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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。* k7 k5 w6 F3 i* o! |0 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。
3 P8 D {! o, [7 ?7 [: m2 r% \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 ..., g& q2 O6 @$ u+ l
paul.dbyu 发表于 2009-7-1 18:03 
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2 j, n) B! J. E$ g1 s' [8 dstudent load不用全额还,这一点没错,政策如下:http://alis.alberta.ca/ps/fo/studentsfinance/finished.html! } Q6 n. u% q5 n- G5 T6 d7 g
/ j( e8 P/ \2 q0 o' b4 X: FStudent loan Relief Program Completion Payment% z a: l5 K4 F0 V; A6 ?, v
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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, and9 ^6 A4 n# U8 _, B2 E' I& y
* have an Alberta Student Loan, and
) m7 O. c6 [9 l& E6 N. B * have exceeded the minimum debt level for your program.& {' E, R, J4 `- ?
2 j3 O- S5 ~3 y$ b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
9 ^1 r" b7 O* N/ \4 w0 S: k- rDiploma Program 2 x 8 month year $14,280/ D8 _) l, @% o2 D; U" e
Degree Program 4 x 8 month year $28,5607 G9 r% c. _8 Y H" C3 h
Master's Program $42,8401 v1 T- r! `3 e/ Z
PhD Program $47,8403 z- [: B2 V M
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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
0 ]# G; t5 v9 g% S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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