 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。5 j& j+ j6 z8 x6 {, K
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。8 U A3 _1 E: ~0 `. [( R5 P' v+ }0 V
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 ...6 a7 P4 o1 ?; i$ |$ {
paul.dbyu 发表于 2009-7-1 18:03 
+ I8 g% @ g3 N1 t' T+ ^) y3 s6 pstudent load不用全额还，这一点没错，政策如下：http://alis.alberta.ca/ps/fo/studentsfinance/finished.html% d5 J) M8 F, y `
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Student loan Relief Program Completion Payment- m0 g2 c! [: {+ T' I0 l
& s0 I0 J: o$ ~: @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:; z" r: N% s/ B) s6 C+ c
' n( R" Y3 d W) e# V) \ * have completed (graduated or left) full-time, post-secondary studies, and4 k& Y5 T x& M1 Y7 z( {
* have an Alberta Student Loan, and
' E4 c! d% Y0 H2 F * have exceeded the minimum debt level for your program.2 d d. Z" m* Z, {' b& @
) X) f" @" L* R6 A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) k+ r! z" ]& {( }( b7 J
Diploma Program 2 x 8 month year $14,280
( Z- A. G( S' e+ L; q4 a' k" ]Degree Program 4 x 8 month year $28,560
5 P0 V9 i" }6 A0 ~6 N UMaster's Program $42,840. S. C+ {& r1 j' M0 M$ |% P1 u
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)。: ?3 f, \% g+ ]4 Z0 I" U8 q" i
( }* @! o4 a L' o# J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- d+ U% g6 h& l: Y9 W1 s# M
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。1 {# t1 b) G S" @
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不知道我的理解和计算是否正确。 |
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楼主: 小熊之家
狗仔卡
发表于 2009-5-18 11:49
显身卡
能简单介绍一下情况么？
