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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 ^# o. z; N" w! D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。2 @8 |0 v1 e6 N
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 ...
9 v; G* g. ~0 e9 b: p7 Kpaul.dbyu 发表于 2009-7-1 18:03 
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6 I7 R8 w, S0 istudent load不用全额还,这一点没错,政策如下:http://alis.alberta.ca/ps/fo/studentsfinance/finished.html
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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./ C, k9 H0 a y' i
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To qualify, you must:
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* have completed (graduated or left) full-time, post-secondary studies, and
$ X+ e! J! y) _; R4 @! c) j5 ~6 m * have an Alberta Student Loan, and+ k# S# U( G3 P( k2 C! Z! \
* have exceeded the minimum debt level for your program.
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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
' H# C% `# c1 {! p5 X" u/ c* sDiploma Program 2 x 8 month year $14,280
7 W+ i* i5 U6 V7 k. Y: d2 nDegree Program 4 x 8 month year $28,560; E! j( U8 n6 W" A: _* @9 `
Master's Program $42,840
' ~, S2 [7 R- p$ p; nPhD 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
- ^1 S3 M9 K! \1 u1 t# f& f) }, O# ~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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