 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。
- q3 y/ I/ R7 @5 j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。
) n( h* M$ j* 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 ...! i. x$ [8 ^& M' |
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 Payment2 S# F2 q0 m. `& M4 f% r
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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:
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* have completed (graduated or left) full-time, post-secondary studies, and
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* have exceeded the minimum debt level for your program.. o' w4 X0 c+ [8 S5 q7 C& s" _3 R- T
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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
* q) L# m7 V* ^. O' P/ ?; F' zDiploma Program 2 x 8 month year $14,280
# y; t( j- n2 V9 C k' BDegree Program 4 x 8 month year $28,5608 W2 \+ [+ d) U& C8 |. f0 J
Master's Program $42,840. Z; {% t1 n2 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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8 X, b- I4 _% \, W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9 b" g+ m H1 ]' a. Z- S' ~( u" U& r; |
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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