鲜花( 32) 鸡蛋( 0)
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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。% X( v- [( A6 y _% n8 f
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。* e* t8 B0 G' Y2 }( D
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 ... T$ E9 j" X; |3 C$ N2 o8 u0 r
paul.dbyu 发表于 2009-7-1 18:03 - N7 D; n" |5 S
0 e8 ]# [4 s* ~0 q( A, sstudent load不用全额还,这一点没错,政策如下:http://alis.alberta.ca/ps/fo/studentsfinance/finished.html, t$ p) N) i) B- a! R; D
# K; t; {' R& G$ A5 p% ]+ TStudent loan Relief Program Completion Payment9 M0 I% h$ k0 F3 T8 B5 l) Z
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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.4 o/ _6 ~$ a' }% W D2 I5 Z- i
! z, L! m% T$ o' L ?; KTo qualify, you must:( m! ? L3 _+ l. L2 }+ y1 [* M
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* have completed (graduated or left) full-time, post-secondary studies, and: j4 C0 O( q9 D8 b" {4 O9 U. W
* have an Alberta Student Loan, and+ E9 O) `& Q( G" w1 ~! Y
* have exceeded the minimum debt level for your program.
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2 Z6 x7 [! D! K- Y$ w( H& k6 i' X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0 ~* `* s% a. g- ]) L
Diploma Program 2 x 8 month year $14,280
% r( r. n8 F: @* t5 l5 t KDegree Program 4 x 8 month year $28,560
8 e; B- t+ \7 KMaster's Program $42,840: k6 J. S, L& H! n% ^+ h
PhD Program $47,840
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也就说如果读deploma或degree的话,超过7140的部分不用归还(一年)。& k2 q3 [, K! W
p/ Z: w4 K3 V' e% |1 A2 c( @- J- y最多可获得的贷款额度计算公式:每月生活费X学期月数+学费书本费-每月收入X学期月数-其他收入1 x1 B$ q; Q$ f5 t3 H
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。1 v1 E y/ ~3 S/ m
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不知道我的理解和计算是否正确。 |
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