英格蘭對於進入高等教育機構就讀的學生，原本是採取免學費與生活補貼的方式。但是到了1990年，英格蘭開始引進學生貸款的制度來彌補學生必須自付生活維持費所造成的衝擊，並且在短短十幾年間，歷經了三次改革。為了深入探究英格蘭學生貸款形成背景與演變過程，並從中擷取足為我學習借鏡之制度，筆者特針對四大問題深入探究，分別為：（一）英格蘭學生貸款形成背景（二）英格蘭學生貸款制度之演變過程（三）英格蘭與我國在學生貸款制度方面的異同處（四）英格蘭學生貸款對我國的啟示。希望透過這些問題之探究，進一步對我國學生貸款制度提出具體改善建議。

The English government assisted undergraduate students in paying the fees by the policies of free tuition and living allowances before 1990. However, the government has begun to introduce the system of student loan in order to offset the influence of the insufficient of financial aid on undergraduate students since 1990 and the system of student loan have been reformed three times. To collect implications from the background of the evolvement of “the system of student loan” in England, the author inquires into four main questions. They are: (1) How was the system of student loan established in England? (2) How did the system of student loan evolve in England? (3) What are the similarities and dissimilarities of the system of student loan applied in England and in Taiwan? (4) What can we learn from the application of the system of student loan in England? The author hopes to offer the Taiwan government some suggestions by inquiring these questions in depth.