前天说了“贷款减免”。今天的问题涉及利息延期 （Interest Relief）。

下面是最常用的一种：

Canada-Ontario Integrated Interest Relief Program
The Canada-Ontario Integrated Interest Relief Program is for borrowers who have a Canada-Ontario Integrated Student Loan alone or in addition to a Canada Student Loan and/or Ontario Student Loan.

Level of Assistance
Interest relief is granted for periods of six months, up to a maximum of 30 months. You may be eligible for extended interest relief beyond the current 30-month maximum provided you have not been out of school for more than 60 months from your last study period end date.

符合条件：

Eligibility
The following is a list of eligibility requirements:

You must have consolidated your loan(s) and signed a Consolidation Agreement for your Integrated Student Loans, Canada Student Loans, and/or Provincial Student Loans, as applicable. If you have not signed a Consolidation Agreement, contact the NSLSC and/or your Financial Institution, as applicable.
You must reside in Canada. For the purposes of this application, an individual who is participating in an international internship program or is a member of the Canadian Armed Forces who is stationed abroad is considered to be residing in Canada.
You must pay or capitalize (up to a maximum of three months) any unpaid interest as of the start of the period for which you are eligible for interest relief in order to receive interest relief.
Your monthly gross family income (before deductions) must fall within the maximum income guidelines. You can view these guidelines on the back of this form, by visiting http://www.CanLearn.ca or by requesting a copy of these guidelines from the NSLSC.
Your eligibility for interest relief must not have been previously revoked or terminated.
You may be ineligible for interest relief if you are currently restricted from eligibility for student loans from the Government of Canada and/or the province from which your student loans were issued.
You must meet the eligibility requirements for all Canada and provincial student loans covered under your application for the Canada-Ontario Integrated Interest Relief Program.

官方地址：http://osap.gov.on.ca/eng/not_secure/ir.htm

下班回来看到一个电话留言。是贷款中心的 （National Student Loans Service Center），让我打电话给他们。接通后一个girl问我地址的问题。说就是为了更新我的地址，奇怪我早告诉他们已搬家，怎么又来电话？无解。

最后顺便问她我是否可以申请延期计息。她问我下个月的月收入将是多少（税前），我说不知道，给她说了年薪的数目，又问我家庭人数，她让我等一会，可能是去计算去了，之后她答复说我不符合条件，因为我目前的收入月收入已经超过了规定的标准 。

她报的标准数字我以前看过，但是我先前以为这个数字是指过去的收入，不是目前的，而且，我以为只是适用于单有安省贷款而无联邦贷款的。看来错了。

所以结论就是：是否符合可以延期计息的标准，是看你目前的收入是否超过的标准。这个标准可以在OSAP网站上下载看到，是PDF格式的。

地址：https://osap.gov.on.ca/eng/PDF/0506/Income%20Eligibility%20Chart%20-%20August%201%20%202005.pdf

另外要说的是：实际上也不是NSLSC给你延期计息，而是他们根据你说的情况，把你的这个申请报给政府，让政府掏钱给你付利息。

她再三告诉我NSLSC也不管贷款减免，就是我上次说的那个Grant。这事得问安省政府，还说让我先还款，还款和安省的资助不矛盾，还款的过程中安省的资助或许会下来。 但是，是否还多了会退？最关键的这个问题我忘了问，糊涂！

不过钱是得要还了，利息7.75%！ 跟抢钱一样。