 鲜花( 32)  鸡蛋( 0)
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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。
$ ~9 y0 H: B( L* S) e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。
, x3 O) J% _! [& y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 ...0 J2 I* m0 z- K! p' g% I
paul.dbyu 发表于 2009-7-1 18:03  ! S( z7 A! ~/ I4 l+ J
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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% T9 m# ~* S! L
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Student loan Relief Program Completion Payment3 Z: I9 R3 y5 _$ }; A& A
3 y( _5 d" [+ wThe 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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6 _6 s" B$ a9 y$ mTo qualify, you must:
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* have completed (graduated or left) full-time, post-secondary studies, and" [; E4 i7 H. p) e& ^/ W3 O
* have an Alberta Student Loan, and
* b# ^) S; d; u8 h& l* [ * have exceeded the minimum debt level for your program.5 W( V* s( h- \4 N
2 g" X- Q# N4 @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
; f% d/ k4 l' k7 l! {; qDiploma Program 2 x 8 month year $14,280
, @2 E$ Z$ _# CDegree Program 4 x 8 month year $28,560% s' J( Q. w! Y
Master's Program $42,840
2 u; F( a) z8 W7 ]3 LPhD Program $47,840# m) Q& ]" n- o; f# S0 j$ s' ~
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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)。6 s H- U2 Q" Q3 L/ u5 Q/ E: i& P
% E2 {% Y) D0 L" ^* n: g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$ p. ~0 y9 ^" Q+ s4 r. R
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。# o6 T3 O2 k- n; ?( p6 p+ E V
; `# e& R2 B3 n+ w! E, D不知道我的理解和计算是否正确。 |
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