 鲜花( 32)  鸡蛋( 0)
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楼主 |
发表于 2009-7-8 19:58
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学生贷款不用全额还。
1 U& O( W/ n+ I+ A9 B1 r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。' L$ N7 l. E# F8 W2 G7 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 ...7 C- e3 p& {, Q$ Y8 U5 y+ @) Y
paul.dbyu 发表于 2009-7-1 18:03 
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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
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Student loan Relief Program Completion Payment5 H& p9 A! O% ?4 B' `3 C
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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.
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To qualify, you must:
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% @7 C! C: b) w% Z3 h3 d * have completed (graduated or left) full-time, post-secondary studies, and
$ B0 H* s$ L" @4 Z8 @8 u * have an Alberta Student Loan, and
2 R, c' q S9 H, ~ c, b9 W& b * have exceeded the minimum debt level for your program.# l' A2 n* B2 p) T# m% K
: P$ l% F: G8 K) @3 L% ^" e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/ b; S: `- e! Y4 C. P
Diploma Program 2 x 8 month year $14,280
1 k2 N' K b6 l. V3 eDegree Program 4 x 8 month year $28,560! J; g1 b \- I3 Q# q8 M- k
Master's Program $42,840
6 D1 J6 a) x/ M0 i e# g- ZPhD Program $47,8403 {# h8 V* c0 `# X
6 x1 c$ u$ ]% C9 v: ~6 h也就说如果读deploma或degree的话，超过7140的部分不用归还(一年)。6 y5 c6 H$ {( |
' R1 E) m( h- d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1 j5 {: b, h; y& m1 d8 D, A9 W
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。3 u$ A4 S( ~& d6 M/ b
; h; g' V2 {6 L: A4 q. D. [& I不知道我的理解和计算是否正确。 |
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楼主: 小熊之家
狗仔卡
发表于 2009-5-18 11:49
显身卡
能简单介绍一下情况么？
