 鲜花( 32)  鸡蛋( 0)
|

楼主 |
发表于 2009-7-8 19:58
|
显示全部楼层
学生贷款不用全额还。' S# X; {/ A9 [2 O& T% o" G. ^
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。- X" ^4 y( }: c" x
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 ..., `- I2 T- v* B$ O
paul.dbyu 发表于 2009-7-1 18:03 
4 e4 c4 m- N' I a& A8 Y9 W2 G/ c
student load不用全额还,这一点没错,政策如下:http://alis.alberta.ca/ps/fo/studentsfinance/finished.html! v& Z$ y) W- a/ U' v( J, u6 y" H
. m9 i3 q) o. y& v
Student loan Relief Program Completion Payment, e4 c2 R3 ^& }# b" p1 _9 N
3 D; {% Z; |6 |2 u g6 _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.
) p' H; ]+ u1 B' T0 F" |2 r+ K7 k
% n) E6 d" F x M7 JTo qualify, you must:, }, N# n" q/ w
+ _# I# j( h5 } * have completed (graduated or left) full-time, post-secondary studies, and/ ~' E- L( h0 I& ?# u
* have an Alberta Student Loan, and. R0 S; z3 I1 R6 n. Z6 L2 S1 U
* have exceeded the minimum debt level for your program.; k' g, _6 D) D0 E
8 p' U5 _4 k3 g* t
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
+ v @0 W: d. \6 E) k- n" }0 G2 yDiploma Program 2 x 8 month year $14,280
0 q* E* g5 F9 S' U( ]$ H: [, uDegree Program 4 x 8 month year $28,560
7 N# V- l) `" Z0 @4 X7 {Master's Program $42,8409 j3 l. G" C! q H4 j
PhD Program $47,840 U, {: I+ U5 ~) ^7 W
: U, f8 p) z6 P" ~* ]! {( ?. U
也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。
0 N' Z) U" a/ ~& d% y" A# Q7 ?7 p& Y4 f. O$ Z0 }0 A% o
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% M( G6 G6 z6 r0 f6 s1 s- I
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。
2 m" j) g D" a# n/ c8 S+ _7 i k# E; M; t1 [ G
不知道我的理解和计算是否正确。 |
|