 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。
+ N- w$ \1 O) j7 U0 |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。8 F' m# _! ~, 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 ...! C9 P; x1 q! B$ h' |
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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6 x; l9 h6 ?8 R: Z/ L4 DThe 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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To qualify, you must:
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) z! q' A* `% `; s8 F$ k: l. P# e * have completed (graduated or left) full-time, post-secondary studies, and
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* have exceeded the minimum debt level for your program.
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1 f6 q' j" e9 G7 x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, D* \ ?5 e; A
Diploma Program 2 x 8 month year $14,280
% Y3 K9 T; g, x! K5 ~) I7 \Degree Program 4 x 8 month year $28,5601 q2 r4 N) _, g3 C% k4 H. G
Master's Program $42,840
; }, h9 H5 |& r$ p* sPhD 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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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
. w( g" P# R5 S" l7 O; T; N, 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。: E3 _; n9 s- y1 I1 N: x
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不知道我的理解和计算是否正确。 |
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