怎么还学生贷款，求建议

[Lilia_Van]

快毕业了，总共欠了贷款2.6W。手里暂时有个2W现金，但是得至少留1W在手应急，现在BC的利息很高好像有8.5%。 另外还想跟大家打听下是否有些什么学生贷款减免之类的项目

想请教各位懂经济的朋友，制定怎么样的还款计划既可以保证生活又可以少付利息同时最大化利用税务优惠等等，多谢了！

 

[tiantianyingyu]

利率这么高，不是坑人吗？以前模糊记得是4.8%的。

 

[tiantianyingyu]

你查查网站，应该有一个减免吧，BC减免得少一点而已。

 

[oldseniu]

鉴于如此高的利息，尽快还完为上。

 

[哈法]

机构会寄信给你，详细说明每月还多少，利息多少，什么时候开始还，多少个月还清。然后在你的账户自动扣款。如果你想多还，打电话给机构，比如说还一万，就直接扣钱。不同的省可能作法不太一样。

 

[Lilia_Van]

利率这么高，不是坑人吗？以前模糊记得是4.8%的。

被学生贷款高利息搞破产的加拿大人太多了， 政府没有那么美好的

 

[commoncold]

有government grant， 你查一下！有一部分不要还

 

[二毛]

太黑了，记得我上cegep时候一学期只要一百多加币，而且最后一个学期做实验时候耗材大概有一万多加币学校都包了。

 

[Helen钱]

什么？不是说无息的吗？

 

[Alice Liu]

什么？不是说无息的吗？

上学期间是无息的

 

[asdfg12345678]

赶紧还，这边的银行太黑了

 

[无尽的幽冥]

被学生贷款高利息搞破产的加拿大人太多了， 政府没有那么美好的

真的假的，按照数据来看，加拿大人均GDP也有5万多美元，大学毕业生工资会高一点，顶多三年就还清了。

 

[sandra22]

上学期间是无息的

毕业后还有6个月的无息期。在需还款前的第45天左右，你会收到一封信，关于还款的详细要求。

以下来自： https://studentaidbc.ca/repay/understand-loan-repayment#repayment

What is loan consolidation?
Consolidation means your lender has given you a "repayment date". It starts on the first day of the seventh month after you stopped attending full-time studies or withdrew from classes.

The National Student Loans Service Centre (NSLSC) will automatically send you a consolidation agreement, approximately 45 days before you enter repayment.

Your consolidation agreement shows:

• The details of your current outstanding Canada-B.C. integrated student loans balance.
• Your monthly payment and when it is due. Please note that your payments will be prorated to your Canada and BC student loan debt, based on each loan’s portfolio outstanding balance.
• How long you have to repay.
• The interest rate charged on your loan.
• The bank account from which payments will be withdrawn.

 

[windcm]

楼主说学生贷款的利息是8.5吗？怎么会这么高

 

[marco1982]

一次还完。

 

[sandra22]

以下为2013-2014 各省学生贷款利率比较。目前加拿大学生贷款和BC省学生贷款，浮动利率5.5%，固定利率快8%，老的贷款还更高。这个学生贷款利率也太高了，颠覆了我原来的低息概念。

（ 来源 ：http://www.debt101.ca/content/canada’s-student-loan-rates-compared-2013 ）

From Best to Worst: Canada’s Student Loan Interest Rates (Floating- Rate Loans Only)

Interest-free! Zero! Nada! Canada’s Best!

Newfoundland & Labrador: (Began: August 1, 2009)
Prince Edward Island: (Began: October 1, 2012. For loans after January 1, 2001.)
Nova Scotia: (Beginning 2014 for provincial loans entering repayment no earlier than November 1, 2007.)
--------------------------------------------------------------------------------
Prime Rate (now 3%)

Alberta
Saskatchewan
Manitoba
---------------------------------------------------------------------------------------------------------------------------------------
Prime + 0.5 (now 3.5%)

Quebec
Nova Scotia (for loans not meeting interest-free status above)

---------------------------------------------------------------------------------------------------------------------------------------
Prime + 1% (now 4%)

Ontario

---------------------------------------------------------------------------------------------------------------------------------------
Prime + 2.5% (now 5.5% *) Canada’s Worst!

Canada (Canada Student Loans)
British Columbia (BC)
New Brunswick (NB)

(* Fixed-rate student loans from Canada, BC and NB cost prime +5%. This now adds up to 8% but will be higher for some older loans)

---------------------------------------------------------------------------------------------------------------------------------------
Northern Territories

1. Yukon uses only Canada Student Loans (Prime + 2.5%)
2. NWT and Nunavut are heavily grant-based and not comparable.
---------------------------------------------------------------------------------------------------------------------------------------

 

[laoliufawei]

毕业后还有6个月的无息期。在需还款前的第45天左右，你会收到一封信，关于还款的详细要求。

以下来自： https://studentaidbc.ca/repay/understand-loan-repayment#repayment

What is loan consolidation?
Consolidation means your lender has given you a "repayment date". It starts on the first day of the seventh month after you stopped attending full-time studies or withdrew from classes.

The National Student Loans Service Centre (NSLSC) will automatically send you a consolidation agreement, approximately 45 days before you enter repayment.

Your consolidation agreement shows:

• The details of your current outstanding Canada-B.C. integrated student loans balance.
• Your monthly payment and when it is due. Please note that your payments will be prorated to your Canada and BC student loan debt, based on each loan’s portfolio outstanding balance.
• How long you have to repay.
• The interest rate charged on your loan.
• The bank account from which payments will be withdrawn.

毕业后头六个月有利息，0.9百分之，之后是商业贷款利息。如果毕业后没找到工作，可以申请再延长半年低息时间

 

[sandra22]

毕业后头六个月有利息，0.9百分之，之后是商业贷款利息。如果毕业后没找到工作，可以申请再延长半年低息时间

我引用的是来自政府网站的信息。实际或许有所不同。请有经验的朋友补充。

 

[laoliufawei]

我引用的是来自政府网站的信息。实际或许有所不同。请有经验的朋友补充。

我九月毕业，第二年二月还清，八千多学生贷款收了七十多利息。有条件还是尽快还吧

 

[Lilia_Van]

我九月毕业，第二年二月还清，八千多学生贷款收了七十多利息。有条件还是尽快还吧

谢谢楼上，你说的70利息是1年之内所有利息的总和还是每个月的利息，怎么算的