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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。
# |4 f2 a$ h) H9 ~" }% K; q: R& l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。- s: ^: ]0 b" i' {/ |
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 ...
+ B% x# R6 k( O) }paul.dbyu 发表于 2009-7-1 18:03  ! X. _/ u2 P i8 D7 r" Z0 r
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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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% O, l9 R/ k' `Student loan Relief Program Completion Payment
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* W) c) a" E6 {7 V2 x' n2 SThe 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.2 E2 @) |1 H( x
; w0 b, k$ l' f5 L, CTo qualify, you must:* R$ V/ C; a7 e) p# R# v) S _0 ~
8 w9 D' I& _4 N/ d * have completed (graduated or left) full-time, post-secondary studies, and6 T" ^% l' w# c
* have an Alberta Student Loan, and( ~, r# y2 ~# ?5 ^
* have exceeded the minimum debt level for your program.9 J2 ]. U$ h/ s |
! J6 ^% ]! Q! Z3 `& N6 T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
/ Q; F$ Y8 ~/ _9 lDiploma Program 2 x 8 month year $14,280
) M3 R: J! t* JDegree Program 4 x 8 month year $28,560( h0 j& x! K6 i/ p
Master's Program $42,840
, j, y0 _4 H& j5 w/ M: Z( tPhD Program $47,840- s2 F7 s y3 G8 v
1 W! G2 E0 O6 @, V; v也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。7 A# i! Y! o) w* n( M1 i! @4 L
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最多可获得的贷款额度计算公式:每月生活费X学期月数+学费书本费-每月收入X学期月数-其他收入
3 ^; c1 M# e @9 N6 W其中每月生活费标准见:http://alis.alberta.ca/pdf/stude ... eCostsInfoSheet.pdf, 两口之家是1873,三口是2322。以三口之家计每月生活费X学期月数=2322X8=18576,学费书本费一年在4500左右,故最多可获得的贷款额度是23076(假设没有收入),那么有23076-7140=15936是不用归还的。3 h2 r$ _, g+ _1 d6 O
7 H Q8 O5 ~! @, q不知道我的理解和计算是否正确。 |
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