 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。
4 K1 c' ?' a. V+ Z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。$ ?+ U8 ^% M8 v, H7 h
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 ...: a8 }- O; `1 [- N+ D
paul.dbyu 发表于 2009-7-1 18:03  % R1 T5 c5 Z$ j' p' O4 Y% C5 v3 G+ l
/ B7 n8 B& k* x/ M; v% Ostudent load不用全额还,这一点没错,政策如下:http://alis.alberta.ca/ps/fo/studentsfinance/finished.html+ v9 n/ ~0 Z7 Y. h m$ D6 u6 F+ }
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Student loan Relief Program Completion Payment
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+ U4 ^1 J+ O$ ~! s7 E) K6 wThe 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, and# @; v) }0 s( a2 f; \
* have an Alberta Student Loan, and2 u7 c# ]8 y) B4 n0 ^6 C. h8 M# `
* have exceeded the minimum debt level for your program.$ E0 f0 y0 b5 Z+ S. s! s0 X
+ M# U/ f P7 i4 l" 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3 W7 Y% f: A/ i8 r# S& \; n
Diploma Program 2 x 8 month year $14,280* y" Y% n. _. n ^/ C
Degree Program 4 x 8 month year $28,560
8 r9 |- W9 _2 [; KMaster's Program $42,840/ e7 b2 @1 g {3 L" j
PhD Program $47,840, Y- m) p5 K* G9 L9 G- _
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也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。6 h: P& i5 @3 g( z* \ S8 w
1 n# T5 d6 E$ h5 h: A+ h0 t# g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# R, P9 t9 ~/ I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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