 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。
& f% V3 {( A$ L9 K0 d6 A3 l) M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。
' l+ |* v8 [% _, S3 w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 ...; a/ R# [0 I+ U8 y8 p' ]
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% H% m7 l1 C: U3 A' |6 [: L `( z
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Student loan Relief Program Completion Payment/ O Z9 P& [! F8 [/ u
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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.
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To qualify, you must:
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* have completed (graduated or left) full-time, post-secondary studies, and4 n% m, I3 e9 B, k; }
* have an Alberta Student Loan, and
/ y7 d( F* x% _ Y * have exceeded the minimum debt level for your program.
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; o( Y# X7 d; a4 J0 |6 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- l9 k' S; B+ m
Diploma Program 2 x 8 month year $14,280# [9 j) O/ { X
Degree Program 4 x 8 month year $28,560
F$ ^5 R m* G2 }* j+ m0 AMaster's Program $42,840+ z g7 l" Y7 n+ z% }5 K
PhD Program $47,840. ~6 }8 F% b1 o' B! u
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也就说如果读deploma或degree的话，超过7140的部分不用归还(一年)。7 }3 I. P6 @1 x2 Z( s. F: S, [
- b. C6 l" U" J7 o+ J- I最多可获得的贷款额度计算公式：每月生活费X学期月数+学费书本费-每月收入X学期月数-其他收入5 ?$ U( h2 ?8 u! D3 u; I" T
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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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？
