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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。9 A0 o1 Z* ^" _$ e- M
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。. u3 t; n7 j2 N
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 ...
! y8 H! n" O/ Y. B9 upaul.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 c: r+ [* l6 F5 w3 H5 |/ i3 K
# }+ Z; L0 f1 v* Z5 _5 XStudent loan Relief Program Completion Payment$ C" E1 }$ s0 R5 R3 g. G [
4 o. ^# H9 k; @* FThe 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:7 K* n3 n/ H7 h* u
j' a [ V6 @6 J * have completed (graduated or left) full-time, post-secondary studies, and9 }. l1 { s/ i8 P* c& ~. d
* have an Alberta Student Loan, and
+ p9 G3 \# K/ o( g& E * have exceeded the minimum debt level for your program.
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, V7 h6 \, u( F9 Z; k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
9 `6 y/ i. b ^Diploma Program 2 x 8 month year $14,280
, J- q0 b9 `+ {: p5 FDegree Program 4 x 8 month year $28,560; |- V, d: n8 P' s& K1 v
Master's Program $42,8406 Z* q4 P U- ~' {9 K% `( ~
PhD Program $47,840, f% p( F" }) S% R3 i
& Z4 F6 d$ j+ R6 q也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。/ e) i/ R, H0 j% d
0 h: e6 G2 \7 E1 E4 `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" k6 W6 N4 \% i& }/ y( ]
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 d$ i, Z! O$ O1 }3 K1 v* Y
" _9 D& o% ~# ]0 V; L& r7 H" _不知道我的理解和计算是否正确。 |
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