In these Regulations—

• “the 1998 Act” (“Deddf 1998”) means the Teaching and Higher Education Act 1998;

• “the 2008 Act” (“Deddf 2008”) means the Sale of Student Loans Act 20083;

• “academic year” (“blwyddyn academaidd”) means the period of twelve months beginning on 1 September, 1 January, 1 April or 1 July of the calendar year in which the academic year of the course in question begins, according to whether that academic year begins on or after 1 August but before 1 January, on or after 1 January but before 1 April, on or after 1 April but before 1 July, or on or after 1 July but before 1 August, respectively;

• “Academic Year 2019/2020” (“Blwyddyn Academaidd 2019/2020”) means an academic year which begins on or after 1 September 2019 but before 1 September 2020;

• “borrower” (“benthyciwr”) means a person who has received a loan for living costs;

• “loan for living costs” (“benthyciad at gostau byw”) is a loan received from the Welsh Ministers in respect of the Academic Year 2019/2020 under Part 6 of the Education (Student Support) (Wales) Regulations 20174 or under Part 8 of the Education (Student Support) (Wales) Regulations 20185 in respect of a full-time course;

• “Outstanding Liability” (“Atebolrwydd sydd heb ei Dalu”) has the meaning given in regulation 7;

• “Repayment Date” (“Dyddiad Ad-dalu”) means the day after the date on which the borrower’s first loan repayment is considered to have been received by either Her Majesty’s Revenue and Customs or the Welsh Ministers, whichever is considered (in accordance with regulations made under section 22 of the 1998 Act6) to have received it first;

• “Satisfaction Date” (“Dyddiad Bodloni”) has the meaning given in regulation 9;

• “Specified Amount” (“Swm Penodedig”) has the meaning given in regulation 6; and

• “Welsh Ministers” (“Gweinidogion Cymru”) includes any person to whom they have transferred or delegated their functions under section 23 of the 1998 Act7 or to whom they have transferred their rights under section 9 of the 2008 Act.