大学生贷款(student loan) 和学生信贷额（student line of credit）

闲云野鹤

上大学的孩子可以自己贷款来付学费住宿费，如果从政府借的话是学生贷款(student loan), 各大银行也为学生准备了信贷额度(Line of Credit)，如果学习是跟医学等专业相关的话可以借到的信贷额度会高很多。

从政府借钱和从银行借钱的区别：
http://www.fundyourfuture.ca/manageyourmoney/govloanvsloc.aspx
Student Financial Assistance Estimator
http://tools.canlearn.ca/cslgs-scpse/cln-cln/sfae-eafe/sfae-eafe-1-eng.do;jsessionid=EPWPjM7dWFs_4tPkbx5NlH8crCSjMvF_500svaWfaLpOwvr2gkkI!-638474705

ROYAL BANK：
http://www.rbcroyalbank.com/student/medical-dental
Get up to $275,0001 in funding with the Royal Credit Line® for Students — Medical/Dental Studies. You can use all or a portion of the funds in your credit line at any time, and you have flexible repayment options with interest-only payments until after graduation and residency.2

如果不是医生和牙医的话额度会减少：
Flexible limits. Credit lines+ start at $5,000 for undergraduates and $10,000 for postgraduates. If you are pursuing a professional degree (opens new window) , you can apply for the Royal Credit Line for Students – Professional Designation, which offers $40,000 to $150,000, based on the degree. Additionally, the Professional Degrees The Royal Credit Line for Students – Professional Designation is available to students who are
pursuing select degrees that include: optometry, veterinary medicine, pharmacy, podiatry, nursing, chiropractic, law, engineering, occupational therapy, physiotherapy, speech language pathology, audiology, MBA/EMBA and accountancy.

TD BANK:
https://www.tdcanadatrust.com/products-services/borrowing/loans-lines-of-credit/student-line.jsp

Credit limit amount:

• Full-time students: up to $15,000 per year to a maximum of $60,000 over four years of study
• Part-time students: up to $5,000 per year to a maximum of $40,000 over eight years of study
  

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Graduate and Professional Students

Enjoy all the benefits of a Student Line of Credit with higher limits.

Program	Credit Limit Amount (including any existing TD Student Line of Credit debt)
Masters or PhD	Up to $60,000 over two years of study
Chiropractic	Up to $100,000 over four years of study
Optometry/Pharmacy	Up to $125,000 over four years of study
Law	Up to $100,000 over three years of study
MBA	Up to $100,000 over your study period
Dental	Up to $275,000 with no annual re-application; access up to $85,000 in your first year of study
Medical	Up to $275,000 with no annual re-application; access up to $85,000 in your first year of study; continued access during residency
Veterinary	Up to $140,000 with no annual re-application; access up to $31,000 in your first year of study;

NATIONAL BANK:
https://www.nbc.ca/en/personal/programs/professionals/doctors-and-pharmacists.html

Field of study	Maximum limit  authorized for the duration of your studies
Medicine	$250,000
	This includes an extra amount if you  pursue on to a fellowship.
Dentistry	Between $130,000 & $200,000
Podiatry	Between $80,000 & $120,000
Veterinary medicine	Between $80,000 & $100,000
Optometry	Between $80,000 & $100,000
Pharmacy	Between $80,000 & $140,000
Chiropractic	Between $60,000 & $80,000

CIBC BANK:
https://www.cibc.com/ca/loans/calculators/student-calculator.html

college/university:	60000
medicine:	275000
dentistry:	275000
chiropractic:	140000
veterinary:	140000
optometry:	125000
phymacy:	125000
MBA:	125000
law:	100000
Accounting:	80000
occupational therapy	80000
physiotherapy:	80000
nursing:	60000
engineering:	60000

SCOTIABANK:
http://www.fundyourfuture.ca/manageyourmoney/govloanvsloc.aspx

• Full-time undergraduate/diploma students
  
  • Up to $15,000 per academic year
  • Maximum $40,000
    
• Part-time undergraduate/diploma students
  
  • Up to $7,500 per academic year
  • Maximum $20,000
    
• Full-time certificate and apprenticeship students
  
  • Maximum limit per academic year is based on the number of years of the program
  • Maximum $20,000 ($10,000 for part-time students)
    
• Graduate Students
  
  • Maximum limit per academic year is based on the number of years of the program
  • Maximum $100,000
  • If the student has already borrowed the maximum under an undergraduate program ($40,000), the maximum credit available for a graduate program is $60,000.
    

The Scotia Professional Student Plan:
http://www.scotiabank.com/ca/en/0,,628,00.html
The Scotia Professional Student Plan has been designed for students, who are Canadian citizens or landed immigrants, enrolled in an academic program at a Canadian university leading to a professional degree in medicine, dentistry, veterinary medicine, optometry, pharmacy, law, joint law/MBA, audiology, chiropractic, chiropody, naturopathic medicine, occupational therapy, physical therapy, podiatry or psychology.


BMO BANK：
https://www.bmo.com/main/personal/loans-line-of-credit/professional-student-lines-of-credit#used-for
For most programs, you can borrow up to $20,000 in your first year and $20,000 in each remaining year to a 4-year maximum of $80,000 for full-time student.
MBA students can borrow $10,000 per year to a maximum of $50,000