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发表于 2009-7-8 19:58
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学生贷款不用全额还。) m" L- o" U, M0 B1 R& H4 ]2 \
具体情况可能各有不同,但有个朋友计算过,STUDENT LOAN扣除要还的那部分,实际到手的跟FUNDING差不多。
+ f! m( J* i$ ~( s0 \打比方:可能有人申请FUNDING,除了学费外,生活费1年12000;但如果是申请学生贷 ...
Y# E: ?+ F) Z( f# c6 kpaul.dbyu 发表于 2009-7-1 18:03  ) w( ]( L+ b+ W
( b* \( r. Z: E3 {7 astudent load不用全额还,这一点没错,政策如下:http://alis.alberta.ca/ps/fo/studentsfinance/finished.html
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! e) I4 S7 r3 ^) h: UStudent loan Relief Program Completion Payment
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3 Y; P, |& p* S+ q' Z2 t' o# ]The Loan Relief Program Completion Payment is automatically awarded to qualifying students at the end of their studies. It is designed to provide you with a helping hand when it comes time to pay back your student loans by reducing your overall debt load.7 x' v( Z( b: l' l5 i
0 d* l* ~$ P7 b6 l& `( bTo qualify, you must:
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* have completed (graduated or left) full-time, post-secondary studies, and9 J$ D+ O& [, T' b7 h
* have an Alberta Student Loan, and
& w* N; F+ p1 I% V * have exceeded the minimum debt level for your program.5 t8 M% R% a' T7 r" P5 J& z
9 a7 ?9 D0 e2 `/ o* g1 t0 B9 b就是说仅the minimum debt level部分需用本金+利息归还,超过部分由Student loan Relief Program还。而the minimum debt level不同的program不一样 J$ n% p5 ^9 m
Diploma Program 2 x 8 month year $14,280. |. J7 v7 `" C1 V5 ?
Degree Program 4 x 8 month year $28,560( r6 s/ a( n" O6 j" w
Master's Program $42,840; j$ b5 j5 z& U$ n
PhD Program $47,8404 f5 k6 v5 i+ i
9 G3 `# ~% ?4 W8 h: V0 w2 l% b, _- w& y也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。) k0 X q. }; M. u. b/ s# E
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最多可获得的贷款额度计算公式:每月生活费X学期月数+学费书本费-每月收入X学期月数-其他收入
+ D4 W: H; l( T" C+ l0 S其中每月生活费标准见:http://alis.alberta.ca/pdf/stude ... eCostsInfoSheet.pdf, 两口之家是1873,三口是2322。以三口之家计每月生活费X学期月数=2322X8=18576,学费书本费一年在4500左右,故最多可获得的贷款额度是23076(假设没有收入),那么有23076-7140=15936是不用归还的。
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不知道我的理解和计算是否正确。 |
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