 鲜花( 32)  鸡蛋( 0)
|

楼主 |
发表于 2009-7-8 19:58
|
显示全部楼层
学生贷款不用全额还。/ q+ l7 l7 e1 i( o/ v8 ~% c
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。
Y1 W: I3 Y; B2 s3 c6 v* R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 ...8 {2 n: @+ F( u+ u
paul.dbyu 发表于 2009-7-1 18:03  6 V# G0 W7 b* U; w+ c5 J
2 G) Y% g2 X* O! y5 F
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
7 T2 `: r; Q, ]$ K5 V9 t( b- [' z5 K- B9 K1 Y7 F H
Student loan Relief Program Completion Payment! C5 _4 Q8 q0 F' V0 v, M
( `0 r% g* @; z* H; U6 G
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.: x* t i2 v/ s+ g
; w% Y3 w' K; g2 R7 c- G5 T0 @7 G
To qualify, you must:; s9 r. P+ U/ b. X
- P- X* n4 g5 h * have completed (graduated or left) full-time, post-secondary studies, and+ Q4 H2 F& f7 j! \9 ~8 _
* have an Alberta Student Loan, and
$ A# m7 k9 W# ~8 o C4 W * have exceeded the minimum debt level for your program.3 B. b6 A1 R. [- T
+ ?4 W1 M0 R, K, `, K# |. ^! s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- a3 l8 p1 M2 A- l5 P8 M# m0 d
Diploma Program 2 x 8 month year $14,2806 o0 i. u( {% D9 N% n
Degree Program 4 x 8 month year $28,560
, p+ U+ i# _1 ]" p3 r2 j/ H/ mMaster's Program $42,840
/ c4 P* Q. r% W- `PhD Program $47,8409 E ~- Y! Q. y5 J. j, `
: T9 ] ?. E: r也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。
3 I5 T4 ^/ A) C" x3 F- l% s4 L) h/ b+ G. n
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
9 I5 q4 d& E" o' ~; s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。3 O. H, E: _: E! P! q, s
( [5 G: t# t- w+ m6 r不知道我的理解和计算是否正确。 |
|