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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。3 p: s" a) M& J& n' c6 g, J5 T
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。
# B3 f1 u5 m5 P& b1 j4 \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 ...
/ [% p+ w' i( z, o# r& M# O7 jpaul.dbyu 发表于 2009-7-1 18:03 
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: D& d% s/ f7 t" a1 `- vstudent load不用全额还,这一点没错,政策如下:http://alis.alberta.ca/ps/fo/studentsfinance/finished.html: H* d3 x- H" I4 F1 N9 B2 e
5 h5 m) `$ S0 o$ L- h" E( AStudent loan Relief Program Completion Payment- n8 X9 R2 P8 w3 G2 K7 N/ f4 [
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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.& I7 t3 o( U* S& r
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To qualify, you must:6 I, M5 i9 f; F
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* have completed (graduated or left) full-time, post-secondary studies, and: [/ A* {9 \7 z3 d6 ^; m- m
* have an Alberta Student Loan, and" X- s4 v% s% n! p
* have exceeded the minimum debt level for your program.; p! v% z5 v3 {
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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2 v+ U& _! W9 i5 z; o+ L* c7 Y
Diploma Program 2 x 8 month year $14,280' y Q g8 Z/ E( p% D j% F9 C
Degree Program 4 x 8 month year $28,560
( `* b# r% Y- s! _' ?* J0 vMaster's Program $42,840 ^: Y4 I: ]4 @
PhD 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
% y: i8 |( B: E- V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。7 J2 v% a6 T0 C1 D7 n& L
' V0 ?0 i, G) Z' T4 j( H( y* R不知道我的理解和计算是否正确。 |
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