 鲜花( 32)  鸡蛋( 0)
|

楼主 |
发表于 2009-7-8 19:58
|
显示全部楼层
学生贷款不用全额还。
. h s( y0 c7 F5 N( q/ g3 F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。
* [0 m! c5 a* R; _% i* f" Q! q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 ...
( m' P( Z8 \) M5 {( S, B/ A% [, Zpaul.dbyu 发表于 2009-7-1 18:03 
1 V' X9 x& S2 e# K% [* ~& k7 E; O* _! ~; H) Z
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
: \4 `2 l, f' p% w$ u0 e0 m! t0 y3 x* B
Student loan Relief Program Completion Payment
4 S) p$ R$ Q( @. V# w
) Y+ m$ ~# K8 J2 A" h) o; AThe 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.
2 V6 \, @3 j2 ^. |2 [ m4 s' J/ A# y8 q) n5 B
To qualify, you must:$ W, N; b, @/ s, q
' L0 B* V7 E: K/ w) T * have completed (graduated or left) full-time, post-secondary studies, and4 e7 F. R% v2 ?3 ~% v
* have an Alberta Student Loan, and9 M4 P- Z8 |7 `% Y
* have exceeded the minimum debt level for your program.
% Z& }$ }5 ^* g% q- _- R9 U8 U7 ]6 r7 f0 Z1 `' h4 m% K
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
& n9 u) H; R3 DDiploma Program 2 x 8 month year $14,2808 T- k5 p; ` Q7 C- j) t- f
Degree Program 4 x 8 month year $28,560- F8 G3 f/ `+ Q9 w Y# A( }" a
Master's Program $42,840. i& I' N! @; P. J# \$ W, j/ Q
PhD Program $47,840
6 j, _+ }5 d/ k y1 E8 C( ^/ g
+ ?9 n1 }$ m: c也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。
5 H, i" r1 U4 |6 ^+ o( T# \; _4 l) X F
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* |: b' @' w4 S
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。
+ ~1 A* q& n* t1 a* v3 j3 m* F9 a2 E+ u3 b; K" a! L
不知道我的理解和计算是否正确。 |
|