It recently came to my knowledge, that Canada keeps on searching for ways to let students learn and continue their education at the univeristies. Nowadays, higher education is expensive and a lot of bright kids are left out of the league, just because they can?t afford the semeter taxes.
Student loans are a popular thing among parents and students. It?s an easy way to get a
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loan, study, get your diploma, find work and then start to pay back your student loan. If you believe in what you go for, there is no doubt about a loan ? it lets you focus on your studies and grades and secure your education background.
Accidentaly I found an article which takes a look at the possible ways to get money for your education and here is the place and time to make the difference between LOANS and GRANTS.
Loans ? money that you pay back
Grants ? money that you do not pay back
If you already are a Canadian citizen, take a look at The Canada Student Loans Program and the options that the Canada Student Grants Program and what they can offer.
If not, then you should consider reading the next paragraphs I took from the website of Schulich ? School of Business York University .
Ontario Student Assistance Program (OSAP)
Full-time students may be eligible for government student loan funding through the Ontario Student Assistance Program (OSAP). OSAP is a need-based program available to Canadian citizens and landed immigrants who are Ontario residents.
Information and application forms for assistance programs administered by the Province of Ontario are available at http://osap.gov.on.ca.
Part-time students may apply for a government student loan through the Part-time Canada Student Loan program.
Out-of-Province Government Student Loans
Students who are residents of other Canadian provinces may apply for a government loan from their home province. For information regarding other provincial student loan programs, consult the Web site of the provincial student assistance office. Out-of-province student assistance information and website links are available at www.yorku.ca/osfs/outofprovince.
U.S. Student Loans
Schulich students who are citizens of the United States are eligible to apply for the federal Stafford Loan program through the U.S. government. Information about eligibility and application procedures for Stafford Loans is available at www.yorku.ca/osfs/usloans.
U.S. citizens may also apply to the International Education Finance Coporation (IEFC) for additional loan funding. Information and application form available at www.iefc.com.
International Students
International students studying on a student visa are not eligible for bank loans or government student loans in Canada. If planning to apply for landed immigrant status, students may become eligible for loans once landed status has been received.
Loan Program for International MBA Students From India
Schulich Business School, in partnership with Scotiabank Group and HDFC Bank is now able to offer students enrolling in its MBA programs in India and Canada the following banking facilities:
Education Loans from HDFC Bank in India to finance studies in India and/or Canada.??????? This would also facilitate visa requirements
Utilize other banking facilities provided by HDFC Bank
Open an account with any Scotiabank branch in Canada, while still in India
Remit tuition fees and other from India to Canada easily, safely and quickly
Access to banking services in Canada, including debit and credit cards
Royal Bank Student Line-of-Credit Program
Schulich students who are Canadian citizens or landed immigrants may apply for the Royal Bank?s Student Line-of-Credit Program. The Royal Credit Line for Students provides students of the Schulich School of Business with a personalized loan to help finance their education. Students may apply for a credit line before the academic year begins.
The Royal Bank provides one-on-one professional financial advice to Schulich students through a Relationship Account Manager, helping students to manage their loans while at Schulich and following graduation. Representatives from the Royal Bank are available to meet with students on an individual basis at Schulich during the first two weeks of the fall and winter terms.
Interest must be paid on the amount owing each month. The interest rate charged as of 2005/2006 is at a preferred rate of prime plus 1%. Following the completion of studies, graduates have a six-month grace period during which only monthly interest is continued to be paid.
To find out more about this program, please contact Ms. Cindy Wong at the Royal Bank Branch below:
Royal Bank (Hwy 7 and 400 Branch)
3300 Highway #7, Suite 100,
Concord, Ontario L4K 4M3
Phone: (905) 738-4405
Email: cindy.wong@rbc.com
For general information, please contact the Royal Bank at 1-800-769-2555 (Royal 5-5), 24 hours a day, 7 days a week, or visit their website at www.royalbank.com.
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