 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。9 M" ~& J% t# u5 U
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 [( s+ V+ e5 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 ...
5 R7 j" D2 ^$ X- ppaul.dbyu 发表于 2009-7-1 18:03 
- z' e; n. X/ c! x6 j: jstudent load不用全额还，这一点没错，政策如下：http://alis.alberta.ca/ps/fo/studentsfinance/finished.html9 v* f$ p" ~: K6 G9 I" R
4 P( p+ R2 o* q' S Z: iStudent 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.- \8 e5 I/ \3 r, }( {7 i9 g
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To qualify, you must:* C7 |0 {; i7 ~' I, g
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* have completed (graduated or left) full-time, post-secondary studies, and
" E3 ]% M: Y, A * have an Alberta Student Loan, and% U8 V' w- ^3 Z2 S' Y
* have exceeded the minimum debt level for your program." q3 e9 W, p7 M4 l8 y1 q- Q8 z
/ ]5 E! P& ?* O w! \8 X/ t- v+ @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
: R" D" t J9 d; a" _0 k5 eDiploma Program 2 x 8 month year $14,280& ]; ]7 E+ L" {0 V
Degree Program 4 x 8 month year $28,560
7 t: d/ ~, Z( }+ ~, x5 nMaster's Program $42,840
/ Z6 _+ y. x! _* Q! BPhD 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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4 |2 h3 D- o4 k+ t* ], z2 _0 S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
9 [/ g( O( ]9 {: k. ?6 ?0 M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。 y2 s' t- Z3 C/ x- K
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不知道我的理解和计算是否正确。 |
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楼主: 小熊之家
狗仔卡
发表于 2009-5-18 11:49
显身卡
能简单介绍一下情况么？
