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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。- o: a$ C3 {8 M- U# A2 F
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。& N% E% C$ B4 o) } D$ V1 P; Y- B
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 ...
1 }: n- {0 q- m! d3 u# ~5 r/ Hpaul.dbyu 发表于 2009-7-1 18:03  ( T+ `! _- Z9 Z+ ~
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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
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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.
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2 N5 e; V4 u6 z: I1 }4 f. FTo qualify, you must:
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* have completed (graduated or left) full-time, post-secondary studies, and. m/ n; t. k, H& \2 y* W: N! h
* have an Alberta Student Loan, and: |+ o6 u. }- d& f% @0 N. K' y
* have exceeded the minimum debt level for your program.
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7 l& c( Y: @8 a% B% q) Z# _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
* \- l1 t. h0 e9 A' f' i# k5 SDiploma Program 2 x 8 month year $14,280
; y% C3 F4 ^/ X! \3 |: o% q2 KDegree Program 4 x 8 month year $28,560- U; j8 `, {9 Z( {% S
Master's Program $42,840; T/ v* M: A6 O7 g
PhD Program $47,840, w/ A. U& \' N
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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)。% V1 a; b) _+ m% b
: n5 o; `8 @8 F- Q) `) D' P5 H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
- x! r( {4 c5 ]; a5 b, H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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5 \. H/ h8 G/ r( G9 Y; @9 w h不知道我的理解和计算是否正确。 |
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