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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。) r, G/ ?/ Y5 \6 |* d7 U8 W% S: s
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。- I- k3 W1 ~# d
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 ...
4 s) x8 i8 ~0 W3 j4 r; N$ spaul.dbyu 发表于 2009-7-1 18:03  # Q% j# |( n F! q
- T' q0 h$ v; v0 z# Q, D+ `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
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5 O# x$ W, U0 w `Student loan Relief Program Completion Payment1 o# W P* L% E Q
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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." P7 R+ f$ w# ]: L8 m
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To qualify, you must:# B; I7 h! m2 ]7 y& B) K8 f) y
]& t( s9 q# d * have completed (graduated or left) full-time, post-secondary studies, and
- {' I; g0 |1 F- e% q6 @5 | * have an Alberta Student Loan, and H8 x2 V* W! g
* have exceeded the minimum debt level for your program.6 [2 Z& A: X+ ^2 F) W" J' f1 y: C
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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: y+ {3 N y% Q; I6 y
Diploma Program 2 x 8 month year $14,2801 Z* `& O+ h6 O0 l
Degree Program 4 x 8 month year $28,560+ Y! v- j2 \7 s
Master's Program $42,840
& E8 y+ b5 B' |3 R7 r+ J4 qPhD Program $47,840
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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
% y6 E {6 V! q# |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。, f* `9 Q8 v, ~! p; w( e
8 x1 V4 B6 k1 c9 P- {8 k不知道我的理解和计算是否正确。 |
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