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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。
2 S3 [3 R& G0 e, d5 H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。
/ e; V/ `3 T1 B5 B( Q% f4 D9 h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 ...
6 Q3 w# I: l9 `3 W+ {. d4 i: spaul.dbyu 发表于 2009-7-1 18:03 
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& L4 i+ v. I3 d& S+ r; estudent load不用全额还,这一点没错,政策如下:http://alis.alberta.ca/ps/fo/studentsfinance/finished.html+ T' N, x' e I5 ] t! } A
8 _. k/ y: p7 v# x0 m0 x; J0 d- ~Student loan Relief Program Completion Payment
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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.- f' ~) T9 ]* l$ e0 d- Y% K9 S
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To qualify, you must:" [" g. o& c+ X4 K9 c
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* have completed (graduated or left) full-time, post-secondary studies, and
: t* f" @& U+ s. o * have an Alberta Student Loan, and: X3 j' r% x6 U: G. y; x+ j
* have exceeded the minimum debt level for your program.
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8 b9 T; U4 C. l1 u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
1 L3 w3 n& s7 \! q! U) lDiploma Program 2 x 8 month year $14,280
4 n5 C1 B8 e. @1 {- ~- B9 A- YDegree Program 4 x 8 month year $28,560
- ^) }! ^# u% ^) OMaster's Program $42,840
5 [) B3 ?" M! b) k4 B, `3 Q' RPhD Program $47,8408 H# U5 v$ A1 `' u- X
4 w* x/ a- G3 o: ?也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。
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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5 T" ?1 U( s3 b! L) D) e# J' ]
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。1 S) W1 }6 `0 \& `+ P
2 j" F! t0 A Y! l不知道我的理解和计算是否正确。 |
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