 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。
6 G1 R+ k( l- f0 k9 a* L, C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。
- Z4 i% T7 v+ y/ Z 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 ...
+ W7 V3 b7 @' C/ r( Y2 Z* npaul.dbyu 发表于 2009-7-1 18:03 
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* L7 `3 z3 [ @& z% M7 Z& Q4 \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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8 R0 @2 @" p+ q# ]' c+ n3 h. i" MThe 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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3 ?( i2 Y1 k3 UTo qualify, you must:8 ~/ u5 \. B& i2 A. X. O! J
4 v6 Y) z. f# ?( }; G: q; l6 P- U ` * have completed (graduated or left) full-time, post-secondary studies, and
, d0 v% j- m7 D( h$ E; m * have an Alberta Student Loan, and$ a% |: b! E/ s# v2 d$ v1 j
* have exceeded the minimum debt level for your program.
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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 [+ u& y; n# p9 w0 I( ~
Diploma Program 2 x 8 month year $14,280( w0 A, J" v: }
Degree Program 4 x 8 month year $28,5604 p& X8 w" K" P1 @! H3 o
Master's Program $42,840
' g8 D3 j- `. U6 ~5 h1 iPhD Program $47,840
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9 \0 ?5 b2 d N. M* P" U7 L$ o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! D4 K& a# M$ R+ X) [7 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。
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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
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能简单介绍一下情况么？
