Independent Student
You are considered an independent student if:
- You are separated, divorced, or widowed, AND have no dependent children living with you, or
- You have been out of high school for at least 4 years as of the start of your study period.
- You have not been a full-time student at a high school or postsecondary institution for at least 12 consecutive months on 2 or more occasions.
- You are a current Crown ward or a former Crown ward who has not been adopted.
- Both your parents are deceased.
Dependent Student
If none of the statements listed in the above categories (married, common-law, sole-support parent, or independent student) applies to you, you are considered to be a dependent student.
Both you and your parent(s), step parent, legal guardian(s), or official sponsor are required to provide information on your application.
How Loan Amounts are Determined
The amount of funding you may receive is based on your financial need as calculated by OSAP. To determine your financial need, the ministry first calculates your allowable educational expenses, then subtracts from that amount the financial contribution that you and your family (if applicable) are expected to make towards your educational costs. Any calculated financial need is subject to the
funding maximums. You cannot receive funding that exceeds the program maximums.
The following formula is used to determine the amount of funding that may be available to you:
Financial Need=Allowable Educational Expenses-Expected Financial Contributions
Your allowable educational expenses may include:
- tuition fees
- compulsory fees
- books and equipment
- an allowance for computer and computer-related costs
- personal living expenses
- child-care costs
Maximum limits have been set for tuition fees, compulsory fees, books and supplies, equipment costs, and personal living expenses; therefore, the amount of your loan may not completely cover your total educational and living costs.
The
expected financial contribution is based on the ministry's calculation of the amount of money that you should have available to pay for your education and living costs. Your marital status, number of dependent children, educational history, and availability for employment are taken into account in this calculation. Resources which are taken into consideration include such things as your pre-study and
study period income (including income from government sources, investment income and scholarships, bursaries and awards), assets, and your parents' or spouse's income (if applicable).
你小孩贷款估计要算DEPENDENT STUDENT, 所以父母的收入还是要考虑的.
没找到你所说的那个什么2000是什么.
所以说大陆移民爱买RESP,经记一般也是找新移民下手,老移民即使没买他也不推.因为经纪知道,你可能懂了,已经不是中国思维了.让当地白人买RESP更是天方夜谈了.
