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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。8 W0 `( p n- B5 g& O+ }
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。 P% }% l" ]3 l1 k
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 ...
$ B9 B/ ^/ D& S5 i& I9 `paul.dbyu 发表于 2009-7-1 18:03  9 O+ Q3 P) a, U! `2 e
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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$ _, o! g8 N5 q
' S$ n- G/ ]" `# D/ j% nStudent loan Relief Program Completion Payment
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; [) s5 O) ^9 E6 D; dThe 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.
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3 h% K, ] I8 T/ T0 BTo qualify, you must:
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0 C* V7 e4 v( e4 a4 F& p4 z9 ` * have completed (graduated or left) full-time, post-secondary studies, and
* o' N: z Y h * have an Alberta Student Loan, and
/ n$ d+ G3 T5 C * have exceeded the minimum debt level for your program.
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, R( Y& t E/ ^" F3 K1 E) f+ X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
/ W3 A2 I$ |4 V2 M( @Diploma Program 2 x 8 month year $14,280. K) T; o# N* z: w$ u
Degree Program 4 x 8 month year $28,560, e! i- O' X, x% h
Master's Program $42,840+ {- R& P4 v/ v; _$ V& R1 E, x! u/ b
PhD Program $47,840
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% p, Z3 Z; h# g& W H1 ~- s; v也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。. q0 q8 q0 S# k1 j2 [4 r) a& U
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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/ o# G8 E. n9 b7 A, B5 m
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。- o5 k0 v' b' n' I% r
& {2 P+ w( E3 ^不知道我的理解和计算是否正确。 |
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