 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。
1 k2 l" G& r; z4 D$ J* r; s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。7 y% P4 H9 K+ G3 ^, l
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 ...1 I: ^+ N2 E- L w! @3 a2 S5 o1 Y
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.html3 |2 N8 |6 G5 d- ?
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Student loan Relief Program Completion Payment' w4 B9 {$ y. p! S6 e% q! c5 H
# ^9 x- e- z3 q, K$ gThe 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.* T" L" f! @- O r
" u; @" v7 D2 v2 i. k5 t' QTo qualify, you must:! T# m* X# E+ S) Z/ e6 O9 K
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* have completed (graduated or left) full-time, post-secondary studies, and5 ^+ s* U Y3 X4 n
* have an Alberta Student Loan, and: \. \% b4 j$ {1 o6 F
* have exceeded the minimum debt level for your program.* g( U2 ?( x6 m& D: Q# |4 {
$ o% P+ W+ P' x, L; \! {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; V: h# X/ @) Z
Diploma Program 2 x 8 month year $14,280
# w( `" t6 C( q1 v* b: O* _, N2 cDegree Program 4 x 8 month year $28,560
G; m& M# P. e4 Y4 x( ]" pMaster's Program $42,840
( Y1 g; [1 \4 L' U2 e( K dPhD Program $47,840
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也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。
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最多可获得的贷款额度计算公式:每月生活费X学期月数+学费书本费-每月收入X学期月数-其他收入
" ~* L! k7 K! i6 H其中每月生活费标准见:http://alis.alberta.ca/pdf/stude ... eCostsInfoSheet.pdf, 两口之家是1873,三口是2322。以三口之家计每月生活费X学期月数=2322X8=18576,学费书本费一年在4500左右,故最多可获得的贷款额度是23076(假设没有收入),那么有23076-7140=15936是不用归还的。
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& T1 o. d$ q) @1 \1 \! J* i- L不知道我的理解和计算是否正确。 |
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