 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。
0 n. w1 S. {9 }0 b3 f5 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。
8 i: S' l) t# B5 d; }& |" D) D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 ...& Y1 O4 x9 H! V ~4 U. f- o+ r
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.html3 ]0 E3 O! w% L" B: E3 |* o1 l
! w* R6 L' ~& h/ sStudent loan Relief Program Completion Payment
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1 A; b# t, t* a; i/ YThe 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.$ d- ], Z! @) u% z, {1 h E
: A+ C3 B, @, d5 T4 lTo qualify, you must:5 U4 L8 U7 H/ A$ t' a
/ Y; T4 v6 d/ d& E * have completed (graduated or left) full-time, post-secondary studies, and
# P$ c* c& G+ A# K1 x * have an Alberta Student Loan, and
9 R6 A: V9 t1 A, Z. U- v; \ * have exceeded the minimum debt level for your program.; j- H/ j" H1 _. B/ r( v9 p
3 g9 f4 S; C1 b5 H+ r5 |5 D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, M& J" k+ }9 `# w eDiploma Program 2 x 8 month year $14,2800 u* o9 {) A1 M G. T, O4 D
Degree Program 4 x 8 month year $28,560; ^) `2 ~4 r1 m# B! ^
Master's Program $42,840
% r Y% j7 M* w* C1 ]PhD Program $47,840! X5 `7 C- E/ ^% ^5 }2 S
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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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8 W9 h1 d& j7 _* H0 N+ O. ] A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% U0 b, Q9 a5 O# Q6 ]+ h. j! Q
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。. U* G1 j* m f* r4 w) q' E
, a# d' M9 G/ k6 t2 V" U H不知道我的理解和计算是否正确。 |
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