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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。
" {5 R1 D, m" M 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。+ a# v/ U6 R$ A7 L: w( J
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 ...6 v3 J5 H8 X, B. s9 A
paul.dbyu 发表于 2009-7-1 18:03  " y+ o/ p- v8 C9 h6 t. X% i
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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. n% o& O2 r# a& H( B
i- i# J3 e- Y3 ?6 O+ sThe 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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% F# J& ^4 j/ t+ Q) u- L) h6 K7 i; [To qualify, you must:* P& @. U3 r$ A* k5 b
: [7 P( q0 x8 J) j: A% e * have completed (graduated or left) full-time, post-secondary studies, and
: X0 L% W6 P! s! N/ I& ]9 g) t6 t * have an Alberta Student Loan, and
+ T# `% H! `/ ~2 {3 c) j * have exceeded the minimum debt level for your program.# d1 L7 m% V3 a2 |
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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
7 |# T4 G- q: |5 p6 D- p/ o$ IDiploma Program 2 x 8 month year $14,280
9 u q# I9 w8 c; y2 O1 _Degree Program 4 x 8 month year $28,5600 [( d: I, l+ ?2 \4 |
Master's Program $42,840
6 O0 v3 T- F% R) @+ u) T, t5 Q9 e, ?. BPhD Program $47,840: S0 N2 d8 s4 }3 P) m
2 Q% w% y5 w! ] r4 X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
0 {5 ~# C' q1 X; x* [. w: A8 T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。9 H! ^9 o. s6 Y1 P/ Y0 d
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不知道我的理解和计算是否正确。 |
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