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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。+ ~6 W0 a# u, L' [4 ~0 L
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。
( G0 a4 _# t' b$ h5 W; k- i! z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 ...
0 _+ V; p% b- V- Y& k$ dpaul.dbyu 发表于 2009-7-1 18:03  - U m# p0 {2 D. E( a# h0 V: {
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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& o4 s6 o! }5 G# I
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Student 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." W! ^7 i, c h( _- i' f8 ^
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To qualify, you must:
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+ c/ G2 q3 ?7 g * have completed (graduated or left) full-time, post-secondary studies, and
/ f. K; i5 u: I! | * have an Alberta Student Loan, and
! w7 Z" ~2 y8 a# z- d * have exceeded the minimum debt level for your program.
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: k6 K" R/ L( K! g; f$ S& x5 }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
G5 M9 u7 I! N+ d/ e7 @. e) sDiploma Program 2 x 8 month year $14,280
V9 f/ C! N( BDegree Program 4 x 8 month year $28,560
: n# t: G: z4 I- ?Master's Program $42,840 v, ~+ v) `! @9 ^$ \( b+ J
PhD Program $47,840
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也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。
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最多可获得的贷款额度计算公式:每月生活费X学期月数+学费书本费-每月收入X学期月数-其他收入
n- S$ y! [0 [' v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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