 鲜花( 32)  鸡蛋( 0)
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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。
' X; F1 g- l# x2 }- c' x3 P( I2 Z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。3 s- {( c- D- V8 `5 \
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 ...
" R4 e: c* y; e, {+ ?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
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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.& ]+ l2 Z, |' A. f% C$ }
# d* y& V! e! c5 x C/ w$ ]1 L8 b6 PTo qualify, you must:
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G) K, B& L: d! D7 h% D* z * have completed (graduated or left) full-time, post-secondary studies, and
* }9 l$ a3 L# u5 G" L * have an Alberta Student Loan, and
H/ m6 R! T8 Z: D/ `- G0 ~ * have exceeded the minimum debt level for your program.6 g n6 b3 ^- \+ ?
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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' {5 R1 _ c0 x. F9 B X
Diploma Program 2 x 8 month year $14,280
& X5 \1 O. o2 n/ P8 IDegree Program 4 x 8 month year $28,560& p, y% S! R8 ^! X
Master's Program $42,8405 y6 y8 A9 `/ C: L' {. F, S
PhD Program $47,840
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2 I9 P6 K4 ^: b7 N" C也就说如果读deploma或degree的话，超过7140的部分不用归还(一年)。/ B) O# g) U' |" ^/ @! Z6 s+ Z4 [
) Y+ y( O7 ^+ ^/ X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( L- P2 \& E+ b! D
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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不知道我的理解和计算是否正确。 |
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楼主: 小熊之家
狗仔卡
发表于 2009-5-18 11:49
显身卡
能简单介绍一下情况么？
