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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。2 ]+ o9 l) U: ?0 G/ j. J6 q
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。$ F; p! Y4 I w w1 P4 a" x
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 ...
: b# i9 I3 g; q8 K0 }+ N, Dpaul.dbyu 发表于 2009-7-1 18:03  / D' d' C" u7 C( B
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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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: [# w c7 ]5 GStudent loan Relief Program Completion Payment( a. F9 N2 f u4 R. U- d
8 Z7 @1 n- V# z3 d2 yThe 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.! U2 f* z, A9 w# e' ]# U0 z
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To qualify, you must:
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* have completed (graduated or left) full-time, post-secondary studies, and8 U$ i4 S& Y: E$ L
* have an Alberta Student Loan, and' P- z' r2 N2 p- b& T! g
* have exceeded the minimum debt level for your program.4 T e# r* E7 E. {( 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
& N4 C& i: [9 I! rDiploma Program 2 x 8 month year $14,280
- z( F, ^! z- o' }Degree Program 4 x 8 month year $28,5607 J# A* p) ^& m/ u
Master's Program $42,840
. A* P r* t, gPhD Program $47,840
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也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。
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最多可获得的贷款额度计算公式:每月生活费X学期月数+学费书本费-每月收入X学期月数-其他收入
1 o9 p; r9 ]5 [% ^4 F1 O其中每月生活费标准见:http://alis.alberta.ca/pdf/stude ... eCostsInfoSheet.pdf, 两口之家是1873,三口是2322。以三口之家计每月生活费X学期月数=2322X8=18576,学费书本费一年在4500左右,故最多可获得的贷款额度是23076(假设没有收入),那么有23076-7140=15936是不用归还的。8 b7 S9 _ y5 n& X
+ _6 x$ k* e4 j+ x( Y0 m不知道我的理解和计算是否正确。 |
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