Nov 13th, 2007, 00:51 | #1 |
Junior Member
注册日期: Nov 2007
帖子: 9
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加拿大有这样一种福利,是真的吗?
加拿大有这样一种福利,大家是否知道? 你申请一所college, 上学一年,政府可以给你一些补助(grant)和无息贷款(loan).要求: 1,你是低收入家庭 2,你不能拥有豪华车 3,你的出勤率不少于60% 4,你的帐户上不能有大笔存款 等等. 总之,你越可怜,给你的钱越多. 最多可以给到2万2千多,其中14000多是grant的,不用还,8000多是loan的,你找到工作后要还的.当然,你还得付7500-20000不等的学费. 夫妻可同时申请.也就是说,你一家最多可拿到4万5左右.如果你申请一个最便宜的专业,就当免费学语言,你一个人可以净赚14000-7500=6500.两个人就是13000. 上课一般是上半天的,其余的时间去打打工,不是挺好的吗? 好象是有一年居住时间限制的。你是登陆后多久申请的? 本人没有申请osap,不知道是真是假,如不用还一半, 如EI学费申请不到,干脆申请osap,反正现在钱己不多了,有否谁申请过,能说下吗? |
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Nov 13th, 2007, 02:30 | 只看该作者 #2 |
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注册日期: Nov 2007
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关于学生贷款的还款 “减免” 以下是本人(Tony YangYang)原创,要转贴请注明出处。多谢啦! 这次还学生贷款,确实是自己较粗心,光去看贷款中心NSLSC的网站去了,没有想到看安省的OSAP网站。所以问题一直没有搞明白。 今天才弄明白大家所说的“贷款减免”是怎么回事。 大家平时所说的“减免贷款”,原来是安省的一种学生补助计划,大家都说成“减免”。所以让我只看到Loan Debt Reduction计划,而这个计划并非大家所说的减免,这个需要离开学校至少5年以上才有资格申请。其实现在还说“减免”是错误的,以前确实也有个 fogiveness计划,但是现在已经被这个新的补助计划取代了。 那么,大家说的“减免”到底是什么呢?那是安省学生补助金计划(也可以说是优惠,怎么翻译大家自己看着办)- - Ontario Student Opportunity Grant。这个计划自己是无法申请的,安省政府会自动按你的情况给你这个补助。而他们的操作,和NSLSC是相互独立的,两者在减免操作上互不相干。 可以这么说:贷款中心NSLSC只管收你钱,而安省政府考虑给你补助(也就是大家说的减免),他们不是把补助的钱给你,而是寄给NSLSC贷款中心,以填补你自己有困难偿还的部分,一般是填补你的安省贷款部分。 之前我收到的2封信都是来自NSLSC -- National Student Loans Service Center,他们不管什么减免。现在需要等安省OSAP的来信,就是所谓的减免信。 至于延期计息,那又是另外一个计划,不在这里说了。 详细的自己可以去网站上看。下面我也翻译了一些,是按自己的理解翻译的,大家可以参考一下。有不对的请提出。多谢! https://osap.gov.on.ca/eng/not_secure/osog.htm Ontario Student Opportunity Grant Purpose The Ontario Student Opportunity Grant is available to help students reduce their annual Canada-Ontario Integrated Student Loan debt by limiting a student's repayable debt to $7,000 for a two-term academic year and $10,500 for a three-term academic year. It is available at the end of each of your academic years. The grant has been available since the beginning of the 1998–99 academic year. It replaces the former Loan Forgiveness Program. Loan Forgiveness will continue to be provided for loans issued from the 1993–94 academic year to the 1997–98 academic year. 目的: 安省学生优惠为帮助学生减少他们的年度联邦-安省联合贷款债务而设,限制条件是2个学期减少到$7000,三个学期减少到$10500.在每个学年末尾生效。这个优惠自1998-99学年生效。代替以前的贷款减免计划(Loan Forgiveness Program),Loan Forgiveness 将继续提供给1993-94到1997-98学年拿到贷款的借款者。 Eligibility Requirements (符合条件) You are eligible for a grant if you meet all of the following requirements: You negotiated a Canada-Ontario Integrated Student Loan in the 2004–2005 academic year. 你的贷款是2004-2005年度联邦-安省联合贷款 You are entitled to a student loan(s) that exceeds $7,000 for a two-term academic year or $10,500 for a three-term academic year. If you received a Canada Millennium Bursary (CMB) in the 2004–2005 academic year, you may still be eligible for an Ontario Student Opportunity Grant if your outstanding student loan(s), after the CMB has been released, exceeds $6,500 for a two-term academic year or $10,000 for a three-term academic year. 你的贷款超过2学期$7000或3学期$10500。如果你在2004-2005年度收到过过千禧金,如果你的千禧金除外贷款额仍然是超过2学期$6500或3学期$10,000,你仍然符合资格; You are enrolled in a full-time program for two terms or three terms. 你注册的是全日制2学期或3学期 You have completed your academic year 你已完成你的学业. Note: If you have been denied an Ontario Student Opportunity Grant because you did not complete your academic year, you may request a review of your eligibility under the following circumstances: 注意:如果你曾因为未完成你的学业而被否定有这个安省学生优惠,你需要按下面条款核实你的资格(不符合本人情况,掠过不翻译): if you withdrew from one or more academic terms during the 12-month period before completing the term(s) because of a serious medical condition or a medical emergency or because you were hospitalized for an extended period(s), or if you were expelled from one or more academic terms during the 12-month period before completing the term(s), you appealed the expulsion, and a properly constituted appeal body granted your appeal. Go to the section on Reviews for further information on reviews and review requirements or contact your financial aid office. How to Apply You do not need to fill out a special application for this grant, because the information that you supply on your OSAP application is used to determine your eligibility. 如何申请: 你不用申请,因为你提供给OSAP的申请将被用于你的资格检查。 Conditions You are not eligible for a grant if you: 你不符合资格,如果你是: reduce your course load to part-time (less than 60 per cent of a full course load or less than 40 per cent if you are a student with a permanent disability); 改成parttime学习; are enrolled in a one-term program (less than 21 weeks) or have completed only one term of your program; 只有一个学期,或只完成一个学期学业 have defaulted on a previous student loan(s),; and/or 曾经未履行前一个学生贷款责任 have been reassessed and your loan entitlement has been reduced to less than $7,000 for a two-term academic year or $10,500 for a three-term academic year. 曾被重新评估并且贷款额度低于2学期$7000或3学期$10500 OSAP verifies with Canada Revenue Agency (CRA) your income and the income of your parent(s) or partner (if applicable) as reported through your OSAP application. If there is a discrepancy between the income that is reported to OSAP and the information received from Canada Revenue Agency, your loan entitlement is reassessed and the amount of loan you are entitled to receive may change. A change to the amount of loan you are entitled to receive may affect your eligibility for an Ontario Student Opportunity Grant. OSAP通过你和你的实际税收(从加拿大政府得到),和你的父母或配偶的收入(如果有的话),对照你的OSAP申请的记录。如果有差异,你的贷款权利将被重新评估并且你的贷款数据将被改变。一个你贷款的数字的改变将影响到你的安省学生优惠的资格。 Receipt of Funding The grant is not paid directly to you. If you are eligible, it is sent to the NSLSC to pay down your student loan(s). It is used to pay down the Ontario portion of your Canada-Ontario Integrated Student Loan. OSAP will send you a letter indicating the amount of your grant. 资金的收取: 这个优惠的资金不是直接给你。如果你符合资格,钱将被寄到NSLSC用于偿付你的学生贷款,但是只用于偿付你的联合贷款的安省部分。OSAP将寄一封信告诉你得到的优惠数目。 Reviews If you have been denied a grant because you have not completed your academic year, your eligibility for a grant will be reconsidered if: 如果你因为未完成学业而被否定得到优惠。你的资格将被重新考虑,如果(略): You withdrew from one or more academic terms during the 12-month period before completing the term because of a serious medical condition, medical emergency, or because you were hospitalized for an extended period. As a result, you would have to repeat the term because you: were not able to attend or carry out the activities required to fulfil the course requirements in that term, and could not reasonably have been expected to complete the term. You were expelled from one or more academic terms during the 12-month period before completing the term. As the result, you would have to repeat the term in the loan year subsequent to the granting of the appeal because you: appealed the expulson and a properly constituted appeal body granted your appeal, the duration of the period of expulsion reasonably precluded you from attending or carrying out the activities required to fulfil the program requirements of the term, and you cannot reasonably be expected to complete the term. For further information on reviews, you should contact your financial aid office. 更多的信息请联系你学校的 financial aid office |
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Nov 26th, 2007, 16:13 | 只看该作者 #10 | |
Senior Member
注册日期: Mar 2007
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你说的有部分对,但是过分乐观了.首先,夫妻两个是不可能同时拿到高贷款的,因为你们住一块,他们统计的时候就只给你们一份的生活费,等等. 其次,没听说过有人可以拿14000的GRANT,最多给你3000千禧金加1000多的GRANT,而且千禧金不容易批,你们没有小孩基本没戏. 再次,你一年的还款额为最少7000,你读四年出来,最少还得还两万八. 再再次,你想借学生贷款赚钱基本做梦,他们都算好的,连生活费学费刚刚给你够,饿你不死,也不会怎么剩余的. |
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