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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。$ J S, `8 a# I
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。
\9 P7 @+ c; R) `8 u" F6 u4 u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 ...; x( f8 P! a2 Z3 S' a7 e
paul.dbyu 发表于 2009-7-1 18:03 
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4 T. Z) Y. e3 h# \1 b& Z1 ?6 h* r6 _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) i3 \1 V% ]! S k8 g
$ o" H2 Q r! S; `; FStudent loan Relief Program Completion Payment% C6 r1 q% N, ], @
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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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! @+ I8 ? E" C9 _8 X% H! sTo qualify, you must:) }5 |' C# C3 v. N. [0 Y* f5 O6 E: V
1 [$ M1 R% ^9 {1 ?/ D" P * have completed (graduated or left) full-time, post-secondary studies, and3 |$ _4 ~! c1 q1 g6 F* B) s
* have an Alberta Student Loan, and( ]$ P! F# q; W. m3 w
* have exceeded the minimum debt level for your program.+ S: O* G. v/ E& n
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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
/ A9 X$ K: y4 G7 i$ XDiploma Program 2 x 8 month year $14,280
# r. n1 ?* ~3 s6 U9 m& vDegree Program 4 x 8 month year $28,560
6 I* h; p" r$ A d% h( W$ yMaster's Program $42,840
& y: W1 j; ~' p _5 TPhD Program $47,840( J. {/ u$ m; R* \2 _& M! S
$ T3 n. T. P: `' }9 X也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。# D, c0 [# o6 N3 t3 O, q
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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
9 J( C: q1 p& k8 g' p# d$ U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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