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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) g' {- T. _0 e. `' K& w. I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。' D, i$ j7 d8 v6 n. 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 ...0 {1 A; ^0 T" q- [
paul.dbyu 发表于 2009-7-1 18:03  " r' U& b7 }) z! ~4 k( n$ V
1 g( A- F& V8 E0 F5 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; V1 q( V2 a* }: h, @# ?
9 s; K) g7 o% J, m& \Student loan Relief Program Completion Payment7 j" Y9 @* }; X" l
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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.% M( k& e5 f! J6 x( ^( y% Y
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To qualify, you must:6 g9 f- _( q9 C3 s# q( E0 x
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* have completed (graduated or left) full-time, post-secondary studies, and2 q; t3 L/ {0 T8 q
* have an Alberta Student Loan, and5 R. n# Q% s) [, |2 e4 l& G- w
* have exceeded the minimum debt level for your program.
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+ l' _2 S( S2 ]2 o' C* P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 M4 x- i& k6 M% M: f8 ?1 I
Diploma Program 2 x 8 month year $14,280
9 Z- d5 ]' h _$ RDegree Program 4 x 8 month year $28,560$ o; y4 ] L0 y" `" L6 n
Master's Program $42,840' B F: f* c8 |/ @2 j7 Y. w
PhD Program $47,840- C9 \$ \. z. j4 H
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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)。4 K2 U0 a0 a8 \ j3 _
3 u6 H c# V' i7 f4 [; g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
0 ]* R J6 U: g( L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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