 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。
- R+ z* T, ~3 h! N% d) Y0 S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。5 D- Z1 t( ~8 s6 f+ B 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 ...: T' F9 g# x* v" W3 X
paul.dbyu 发表于 2009-7-1 18:03  - G( k3 B- [) m
0 E( R6 h* y- M& _7 n7 W
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
+ X; q/ b: l* d! o% A. g. Y( w7 b5 F
Student loan Relief Program Completion Payment
, R9 |$ ]( J" Q" H$ F/ u+ B) E
+ @9 z7 L8 ^" o- a7 k TThe 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.
' w8 j2 |; i3 A3 s. \6 i6 i9 H D& ^1 T5 K. h' z
To qualify, you must:
+ d% f& Q9 V' z* \) n( Y# K6 r2 h* l* b& u' O7 S
* have completed (graduated or left) full-time, post-secondary studies, and
/ S6 u+ i$ M- M1 O- ^0 N& `$ |2 A. I * have an Alberta Student Loan, and8 R. d# b# l6 ?+ q
* have exceeded the minimum debt level for your program.
3 }8 [! Z8 `' D3 J0 E6 N( k9 H' S& c3 R, A( X3 o
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' ?5 B" m: Z4 B! I
Diploma Program 2 x 8 month year $14,280( T- C( p0 @7 f5 F5 C7 A- e* K9 B
Degree Program 4 x 8 month year $28,560
$ l2 L7 L, K3 f' HMaster's Program $42,840
$ V+ a% P* M: l! D/ a. xPhD Program $47,8403 d1 L" Z8 \1 I' W1 N6 ^! o; F
+ L; Q! [9 ?# x d9 }3 p. c
也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。
+ J3 ~" P1 x- O, f/ I5 s! r: W
- h4 z( |& p! o6 P! l5 }0 m# R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! v: t4 v4 S% K6 N
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。2 ?2 B9 r u% j) k; b# G) N0 r* m
1 k8 `0 ]/ _6 z' g1 {+ W
不知道我的理解和计算是否正确。 |
|