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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。. g# e5 A8 ], {3 e8 D3 V9 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。* c! u, ~6 s: x) R1 g, [
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 ...
& q1 c9 u3 E1 z$ |4 d! C5 Bpaul.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' U) ?: q" U7 h) |8 G$ R! l
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Student loan Relief Program Completion Payment+ W! p9 v# B- W ]6 \
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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.# n2 }4 {% H3 P; k& H( \
3 i5 U% l+ T) ?' e: V2 DTo qualify, you must:+ ^( E( m+ N |9 q" T$ s
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* have completed (graduated or left) full-time, post-secondary studies, and
1 Q7 T6 l W# i& h8 {4 r) \: b * have an Alberta Student Loan, and6 q' x0 g. C: j) F
* have exceeded the minimum debt level for your program.
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$ ]* ^) I. V; V% k4 O' z4 G* _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
8 W$ a. T+ p/ n: ^+ _9 W3 NDiploma Program 2 x 8 month year $14,280
+ } E; ~! m; J0 i" w5 w9 X5 {. _Degree Program 4 x 8 month year $28,560
- @- K+ x) a; o* P# @" x- h5 \Master's Program $42,8401 W- l4 M m: ~" e9 n$ R( ~, U
PhD Program $47,840
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) @ o3 }$ c/ J7 l也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。' u& O) N/ V1 M8 t5 n- t5 d' N1 x
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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
7 @8 y/ j6 P, I; O3 F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。* V5 K) H; l+ L2 G1 B3 H" r
: m+ E4 F8 a# ]' R% L7 i" G不知道我的理解和计算是否正确。 |
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