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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 r3 A* G4 k% ]1 W3 E% A( A* N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。
$ g; n) f. d V2 q& d: }. h1 X" b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 ...
. v. h# G1 T( K opaul.dbyu 发表于 2009-7-1 18:03  ; g" \1 H' F1 a( s8 s4 X8 V/ e5 A
+ ~; ]9 O5 j) M( f) A$ E0 Kstudent 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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0 ]( c; m8 J( L) H9 a' l1 Z Z6 |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 a. Y$ X: @. s$ N6 ~$ Z( N! v( x( e
: M4 F% Z0 x6 l# b2 dTo qualify, you must:
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* have completed (graduated or left) full-time, post-secondary studies, and( T: g8 q+ \+ D! H/ D4 C
* have an Alberta Student Loan, and
: z; p: y# K& ^* {- X* K * have exceeded the minimum debt level for your program., ]5 J/ _+ ^7 \ u
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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
7 y) k* V; V% j x4 s: IDiploma Program 2 x 8 month year $14,280) Z! @4 `- ?( y* \" r! v; T/ }
Degree Program 4 x 8 month year $28,560. V- Q) ^' h n6 o! e8 X
Master's Program $42,840& A& {! M* t4 }5 d& C, V# S
PhD Program $47,840
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+ z5 _+ E `' z% j% E* E也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。
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4 y6 U1 p3 X# h& I7 R! |, f最多可获得的贷款额度计算公式:每月生活费X学期月数+学费书本费-每月收入X学期月数-其他收入
, b2 b* Y3 g: x/ e9 ^% d其中每月生活费标准见:http://alis.alberta.ca/pdf/stude ... eCostsInfoSheet.pdf, 两口之家是1873,三口是2322。以三口之家计每月生活费X学期月数=2322X8=18576,学费书本费一年在4500左右,故最多可获得的贷款额度是23076(假设没有收入),那么有23076-7140=15936是不用归还的。
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- ?" E# q$ S: |5 `不知道我的理解和计算是否正确。 |
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