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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。" P! O6 Y2 c/ }: j% S8 P! s$ m8 V
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; [* G" M" 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 ...
9 i4 W1 G! y% w' o0 hpaul.dbyu 发表于 2009-7-1 18:03  ' ]- }/ v0 f0 h" H
% C7 Z& M& l% `" Nstudent load不用全额还,这一点没错,政策如下:http://alis.alberta.ca/ps/fo/studentsfinance/finished.html& g+ r3 U+ b2 K# y/ ^5 N
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Student loan Relief Program Completion Payment% _9 s" l ]5 c0 D5 A: m
9 F) ?4 A2 @8 G9 M% r+ iThe 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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4 i& S# h! L) _% oTo qualify, you must:- G5 o- j% B4 @* t, u
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* have completed (graduated or left) full-time, post-secondary studies, and
# C1 x" i7 Z1 I4 A. F9 K * have an Alberta Student Loan, and
9 Q+ l" M8 |* R- P: T * have exceeded the minimum debt level for your program.( m& `2 |; o2 |& Y
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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+ H3 `: p, [# c& D0 ?
Diploma Program 2 x 8 month year $14,280
4 n2 q0 ]2 m; i" p- W0 x" XDegree Program 4 x 8 month year $28,560
4 V; [& ~. J# EMaster's Program $42,840
8 p. ^6 g1 e) ?! X9 fPhD 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)。; D- W% ^- |' \( h
2 l% {# m/ \8 B. N$ a1 M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, B$ \6 H r& T
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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$ |" F4 ^& f6 b# I0 U不知道我的理解和计算是否正确。 |
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