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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。
+ c+ {; ]* t* H( ?, ]+ X7 A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。# `- Y! j( m$ m" {
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 ...) x2 q4 W9 k4 \4 s" G3 U
paul.dbyu 发表于 2009-7-1 18:03 
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1 m# T) ~- R T5 k# ?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; v. n3 |: E" V
) |. N! M5 K3 ?- nStudent loan Relief Program Completion Payment; J, L% k. ^( D; ]! ^$ J
5 e( _( b9 l7 }# j4 T4 j) V, XThe 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.. r3 q6 {* F1 V: g9 j- D
3 t; A3 [0 p9 B! F4 R% k; _6 MTo qualify, you must:. ?6 ?" b8 ]6 t4 j4 V2 f% @
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* have completed (graduated or left) full-time, post-secondary studies, and
' G& d# r$ Y+ T. G8 W& f * have an Alberta Student Loan, and
& }* }9 W6 z, M4 g * have exceeded the minimum debt level for your program.3 U9 J7 m0 q n) y4 U
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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
5 }* q; x3 C" G G" XDiploma Program 2 x 8 month year $14,280
- o, A0 F/ V5 ], c7 ODegree Program 4 x 8 month year $28,560
9 b3 ?4 Z) L& f, K4 v; qMaster's Program $42,840
; Y1 j; f: p) X) nPhD Program $47,840
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3 Z/ U4 c" S( w3 `也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。
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- B5 R' Y% ~! C. x3 }' W- H& F最多可获得的贷款额度计算公式:每月生活费X学期月数+学费书本费-每月收入X学期月数-其他收入1 y$ K$ S7 U: 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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4 A- V9 q" b, m3 V$ g7 M, O& K不知道我的理解和计算是否正确。 |
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