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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。& H; u' h0 }/ t
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。. z8 i h5 x5 d& Q ?0 s
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 ...
! t' a7 Q0 \5 W, g7 vpaul.dbyu 发表于 2009-7-1 18:03 
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% G7 @1 C/ A7 n) P e8 H( Estudent load不用全额还,这一点没错,政策如下:http://alis.alberta.ca/ps/fo/studentsfinance/finished.html' Z" u" ^9 E1 R/ V4 N
5 C, X* H( ^% Z( z9 e$ Z- PStudent loan Relief Program Completion Payment
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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.( {/ _' a. C' s: r* g, v `" f( S
2 @, t, S6 D: n- X; \To qualify, you must:
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* have completed (graduated or left) full-time, post-secondary studies, and7 e, U$ h7 B. n$ a9 x# ^
* have an Alberta Student Loan, and
4 s) m" {6 U0 ~8 B+ f: @ * 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
8 o" \* p9 J2 pDiploma Program 2 x 8 month year $14,280
2 u$ S% i& }2 l6 J0 Z4 \Degree Program 4 x 8 month year $28,5606 I, O8 s4 n: {3 ]7 c7 G
Master's Program $42,840
H/ E1 N0 c/ o5 G& R( kPhD Program $47,840
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* y3 [1 W& n% _( i也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。. ^! \: W& v. ~- e. J9 l! G2 S
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最多可获得的贷款额度计算公式:每月生活费X学期月数+学费书本费-每月收入X学期月数-其他收入
# I$ u; }" g! k' M# X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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