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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。
8 q$ q6 Y3 x9 m( V3 Y& K$ c6 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。( h% I' r [3 j0 V7 `+ g
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 ...4 k! X# B3 ?. d3 L# |. a
paul.dbyu 发表于 2009-7-1 18:03 
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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# a5 W5 q' F C" w, r. F: C
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Student loan Relief Program Completion Payment4 Y4 A6 U6 @" ?4 i3 j+ m7 ?% S
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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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To qualify, you must:. L+ Q6 r$ B/ f0 V
( z: @+ I3 b& l" q2 ]9 H * have completed (graduated or left) full-time, post-secondary studies, and6 J0 d( |- g: `+ G
* have an Alberta Student Loan, and, ~5 l5 ~; H" }/ A
* have exceeded the minimum debt level for your program.
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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
- u3 a6 z" k8 Z# _8 ?Diploma Program 2 x 8 month year $14,280
1 P9 I2 C1 {/ v S$ dDegree Program 4 x 8 month year $28,560
! J9 Q6 h2 p* T8 ~! UMaster's Program $42,840) Y7 p$ j) x9 l7 r9 N
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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1 l( ^6 X2 b( p2 ?0 u' c8 Q( M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
$ s4 V5 ~$ A Q( I8 b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。/ H( k' E+ `2 ? F0 q. h
+ @1 c a# g4 E2 C- i% b {, x. u不知道我的理解和计算是否正确。 |
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