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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。- Z8 C# v4 X% W* L6 j! T
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。
; g7 R2 f' O% V: B8 Y6 [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 ...
% r0 j: e8 f; K2 ^4 s4 j( Wpaul.dbyu 发表于 2009-7-1 18:03  # }* S- K3 V+ g+ L6 B
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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.html4 B) f o$ h* ]1 d& T6 d3 Z/ _$ ]
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Student loan Relief Program Completion Payment
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1 V0 h e' [* @' P ~% `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.0 h- Q2 |- X, f9 q; N! m1 y1 v
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To qualify, you must:
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* have completed (graduated or left) full-time, post-secondary studies, and
+ S9 N% s5 c7 C- I% j" K0 o * have an Alberta Student Loan, and; r2 D% z9 X$ c w( s
* have exceeded the minimum debt level for your program.4 X/ ?, V7 ]/ O; L
; Y3 w: F8 |$ M. K- U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
0 b. T; |2 q' s+ e/ j8 QDiploma Program 2 x 8 month year $14,2804 k1 k7 O n! O2 |$ ]
Degree Program 4 x 8 month year $28,5606 @! b% ~: S! M" q# v
Master's Program $42,840; K7 a5 K2 M. H/ h" `2 ~
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)。
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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# A/ h) p3 u" c6 r! b# U
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。4 i1 i# `: X+ E7 t
. N& @1 H. K3 y: q不知道我的理解和计算是否正确。 |
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