 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 p: l- Z+ q1 Y" I3 q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。; Q* T+ |$ q+ ?; q$ a$ A
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 ...; c% I" S) n3 R" I
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 Payment
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5 L+ G0 @7 `, E, |1 C$ Q6 ], BThe 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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& T3 l4 l" d5 F/ t) DTo qualify, you must:, ~: U' S& a3 v5 v G/ Q t
4 f' U9 x: i$ b9 }, E9 _+ ^( |% ^+ V, O * have completed (graduated or left) full-time, post-secondary studies, and' U/ _$ ^; i6 S0 B: m z, u' [" z
* have an Alberta Student Loan, and. W0 ]* ?) j: a4 a w
* have exceeded the minimum debt level for your program.
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4 @( y$ a8 t( @1 }7 R6 }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
. U' v$ K7 a+ W2 x: M$ xDiploma Program 2 x 8 month year $14,280& s; c5 e8 o" b2 D5 W |$ B- T
Degree Program 4 x 8 month year $28,560
. ? Y# [8 K6 K7 {9 k. E8 V1 Q0 uMaster's Program $42,840( ]; I. k' |2 d7 x$ s
PhD Program $47,840
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也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。
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) R3 V7 X" ] A. V! D最多可获得的贷款额度计算公式:每月生活费X学期月数+学费书本费-每月收入X学期月数-其他收入
0 E0 ]$ D. M S% ^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。+ p l9 g. Z' N# g& V5 V% J
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不知道我的理解和计算是否正确。 |
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