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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。
, a, j" o; n* b" n. a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。
8 K9 A4 U) ^+ t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 ...8 ]! _0 c0 U5 g& A- z) [1 N9 u
paul.dbyu 发表于 2009-7-1 18:03 
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# b& [ ~( T% V& u6 mstudent 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; V7 v6 \0 D9 I+ |- h! U J' S
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Student loan Relief Program Completion Payment$ X! o/ D4 [+ ?$ u
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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.& W* H" s3 I, W2 Q) w$ f: s' _! @
5 Q8 ?2 E; Q9 B8 @To qualify, you must:# [ c1 j: r, I
1 Z; O2 ]: q/ H7 J+ f, P5 ^ * have completed (graduated or left) full-time, post-secondary studies, and; [# d( j! m$ Y! Y: B. l+ L; s
* have an Alberta Student Loan, and
2 ]7 K& [5 U0 \. C5 H * have exceeded the minimum debt level for your program.
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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& A* _, z( F" o) l, A, N0 Y
Diploma Program 2 x 8 month year $14,280
8 v' A8 h! {) c; F% Y2 Q QDegree Program 4 x 8 month year $28,560
" S9 x2 B. M9 Q/ q) u4 [Master's Program $42,8406 Z" G* I5 a3 @7 R% T
PhD Program $47,840
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; a+ O. G0 W- C6 X6 y也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。% g N( g4 [) f9 Z; ~- c+ z1 n
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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6 @) [5 s8 C: k6 K
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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5 a9 Y' ^" m: ?. r" ^不知道我的理解和计算是否正确。 |
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