캐나다의 맥클린스는 11일, 저렴하게 대학을 다닐 수 있는 방법을 소개했다.
캐나다 대학의 평균 학비는 26,819달러이고 29% 이상의 학생들이 2만 달러 이상의 빚을 지고 있는 것으로 나타난 가운데 한푼이라도 절약을 할 수 있다면 희소식이 아닐 수 없다.
캐나다 학생들에게 지급되는 보조금인 그랜트(Canada Student Grant)는 저소득 전일제 학생인 경우 3천 달러이며 시간제 학생인 경우는 1800 달러이다.
상환지원프로그램(Repayment Assistance Plan)을 이용하면 연소득이 25000달러가 될 때까지 학자금 대출금 상환을 유예할 수 있다.
온타리오주의 경우에는 온타리오 학생지원프로그램(OSAP: Ontario Student Assistance Program)을 이용할 수 있고, 부모는 자녀를 위해 교육적금(RESP: Registered Education Savings Plan)을 들어놓을 수도 있다.
최근에는 이런 내용이 조금씩 바뀌었는데 그 내용은 다음과 같다.
- Federally, the Canada Student Grant will provide up to $3,000 to eligible, low-income students, for total support of $5,000 per year for eligible students beginning in 2017-18.
- Alberta’s low -income grant increased to $250 per month of study from $120 per month for eligible full-time students from low-income families in undergraduate or certificate programs of one year or less in length.
- Completed applications must be received at least 30 days before your session end date.
- New Brunswick’s free tuition bursary will provide upfront, non-repayable assistance for students with gross household incomes of $60,000 or less.
- Eligible students must be attending publicly funded college or university programs in New Brunswick.
- Students will automatically be assessed for the eligibility when applying for New Brunswick student financial assistance funding online.
- In Ontario, the average university or college tuition will be free for students with financial need whose household incomes are $50,000 or less.
- Find out how much student assistance you are eligible for using the OSAP calculator.
- To apply, submit your OSAP application no later than 60 days before the end of your study period. You’ll receive the first installment when you start your study period (usually in September).
- With the Saskatchewan Advantage Scholarship, all Saskatchewan grade 12 graduates automatically receive $500 per year, to a maximum of $2,000, to reduce tuition costs at a Saskatchewan post-secondary education.
- In British Columbia, Adult Basic Education and English Language Learning programs are now tuition-free.
TUITION RELIEF FOR THE MIDDLE CLASS
- Under the new OSAP, students with family incomes of $90,000 or less will receive grants to cover or exceed the average tuition cost.
- Registered Education Savings Plan (RESP) will no longer affect the financial assistance students receive.
- Mature students (anyone out of high school for four years or more) will receive the same access to OSAP support as younger students.
INDIGENOUS GRANTS AND AWARDS
- Alberta’s Indigenous Careers Award offers $2,000 per semester, and a maximum of $4,000 per academic year.
- Alberta also offers an Indigenous Graduate Award presenting a minimum of $7,500 and maximum of $15,000 awarded to students enrolled in a master’s or doctoral degree program approved by the Minister of Advanced Education.
- Eligible students must be Status Indian/First Nations (or be able to provide a copy of proof of Indigenous ancestry) with at least 60% of a full course load.
- Apply through the Student Awards or Scholarship Office at your school, and contact your school for deadline dates.
INTEREST RATE REDUCATION AND REPAYMENT ASSISTANCE
- British Columbia is working towards making provincial student loans interest-free and creating a $1,000 grant for post-secondary students who complete their studies – a goal Premier John Horgan has promised to fulfill by the end of September 2017.
- As of August 1, 2017, the interest rate for the floating rate provincial student loan in British Columbia has been reduced by 2.5% to the prime rate, and the fixed provincial student loan interest rate has been be reduced by 5%, also to the prime rate.
- Contact the National Student Loans Service Centre at 1-888-815-4514 for more information on repaying your student loans.
- Starting in 2018, recent graduates in Ontario can wait until they earn $35,000 a year before beginning to repay the provincial portion of their student loans.
- Saskatchewan’s Graduate Retention Plan (GRP) provides a tax credit of up to $20,000 to eligible post-secondary graduates who live and file an income tax return in Saskatchewan.
TIMELY COMPLETION BENEFIT
- New Brunswick’s Timely Completion Benefit is designed to address accumulated student loan debt and encourage the successful completion of studies in a timely manner.
- Eligible applicants must complete undergraduate program within the minimum established timeline and have total combined Canada and New Brunswick government student loans exceeding $32,000.
- Application forms are submitted online at stuedntaid.gnb.ca, and must be received within seven months of your graduation date.