{"id":900267,"date":"2026-02-14T18:20:45","date_gmt":"2026-02-14T18:20:45","guid":{"rendered":"https:\/\/truenorthtaxes.ca\/?p=900267&amp;lang=zh"},"modified":"2026-02-14T18:20:45","modified_gmt":"2026-02-14T18:20:45","slug":"student-loan-interest-deductions-work","status":"publish","type":"post","link":"https:\/\/truenorthtaxes.ca\/zh\/student-loan-interest-deductions-work\/","title":{"rendered":"\u52a0\u62ff\u5927\u7684\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u62b5\u6263\u662f\u5982\u4f55\u8fd0\u4f5c\u7684?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u4e86\u89e3\u5b66\u751f\u8d37\u6b3e\u4e0e\u7a0e\u52a1\u7684\u5173\u7cfb\u53ef\u80fd\u76f8\u5f53\u590d\u6742\u3002\u638c\u63e1\u5229\u606f\u62b5\u6263\u7684\u8fd0\u4f5c\u65b9\u5f0f,\u5bf9\u4e8e\u6700\u5927\u5316\u60a8\u7684\u7a0e\u52a1\u4f18\u60e0\u3001\u964d\u4f4e\u5e94\u7f34\u7a0e\u6b3e\u81f3\u5173\u91cd\u8981\u3002\u672c\u7bc7\u8be6\u5c3d\u6307\u5357\u5c06\u6df1\u5165\u63a2\u8ba8\u52a0\u62ff\u5927\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u62b5\u6263\u7684\u65b9\u65b9\u9762\u9762,\u5e2e\u52a9\u60a8\u638c\u63e1\u4f18\u5316\u7a0e\u52a1\u7b56\u7565\u6240\u9700\u7684\u77e5\u8bc6\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u52a0\u62ff\u5927\u7684<strong>\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u62b5\u6263<\/strong>\u4e3a\u5b66\u751f\u548c\u6bd5\u4e1a\u751f\u63d0\u4f9b\u4e86\u51cf\u8f7b\u7a0e\u52a1\u8d1f\u62c5\u7684\u5b9d\u8d35\u673a\u4f1a\u3002\u901a\u8fc7\u7533\u62a5\u7b26\u5408\u6761\u4ef6\u7684\u5b66\u751f\u8d37\u6b3e\u6240\u652f\u4ed8\u7684\u5229\u606f,\u60a8\u53ef\u4ee5\u83b7\u5f97\u4e00\u9879\u4e0d\u53ef\u9000\u8fd8\u7a0e\u52a1\u62b5\u514d(non-refundable tax credit),\u4ece\u800c\u6709\u6548\u964d\u4f4e\u60a8\u5e94\u7f34\u7eb3\u7684\u6240\u5f97\u7a0e\u91d1\u989d\u3002\u672c\u6587\u5c06\u8bf4\u660e\u8c01\u6709\u8d44\u683c\u7533\u8bf7\u8fd9\u9879\u62b5\u6263\u3001\u5982\u4f55\u7533\u62a5,\u4ee5\u53ca\u5176\u4ed6\u6709\u52a9\u4e8e\u60a8\u6700\u5927\u5316\u7a0e\u52a1\u8282\u7701\u7684\u91cd\u8981\u4fe1\u606f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5b66\u751f\u8d37\u6b3e\u53ca\u5229\u606f\u62b5\u6263\u7684\u8d44\u683c\u6761\u4ef6<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u6df1\u5165\u63a2\u8ba8\u5229\u606f\u62b5\u6263\u7684\u5177\u4f53\u7ec6\u8282\u4e4b\u524d,\u4e86\u89e3\u8c01\u6709\u8d44\u683c\u5728\u52a0\u62ff\u5927\u7533\u8bf7\u5b66\u751f\u8d37\u6b3e\u5341\u5206\u91cd\u8981\u3002\u4e00\u822c\u800c\u8a00,\u60a8\u5fc5\u987b\u6ee1\u8db3\u4ee5\u4e0b\u6761\u4ef6:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u662f\u52a0\u62ff\u5927\u516c\u6c11\u3001\u6c38\u4e45\u5c45\u6c11\u6216\u53d7\u4fdd\u62a4\u4eba\u58eb\u3002<\/li>\n\n\n\n<li>\u5c45\u4f4f\u5728\u63d0\u4f9b\u5b66\u751f\u8d37\u6b3e\u7684\u7701\u4efd\u6216\u5730\u533a\u3002<\/li>\n\n\n\n<li>\u8bc1\u660e\u5b58\u5728\u8d22\u52a1\u9700\u6c42\u3002<\/li>\n\n\n\n<li>\u5df2\u6ce8\u518c\u5c31\u8bfb\u7b26\u5408\u6761\u4ef6\u7684\u9ad8\u7b49\u6559\u80b2\u8bfe\u7a0b\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u82e5\u8981\u7533\u8bf7\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u62b5\u6263,\u60a8\u7684\u8d37\u6b3e\u5fc5\u987b\u662f\u6839\u636e\u300a\u52a0\u62ff\u5927\u5b66\u751f\u8d37\u6b3e\u6cd5\u300b(Canada Student Loans Act)\u3001\u300a\u52a0\u62ff\u5927\u5b66\u751f\u7ecf\u6d4e\u8d44\u52a9\u6cd5\u300b(Canada Student Financial Assistance Act)\u3001\u300a\u5b66\u5f92\u8d37\u6b3e\u6cd5\u300b(Apprentice Loans Act)\u6216\u7c7b\u4f3c\u7684\u7701\/\u5730\u533a\u6cd5\u89c4\u6240\u83b7\u5f97\u7684\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e86\u89e3\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u7a0e\u52a1\u62b5\u514d<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u7a0e\u52a1\u62b5\u514d<\/strong>\u5141\u8bb8\u60a8\u7533\u62a5\u8be5\u7eb3\u7a0e\u5e74\u5ea6\u5185\u6240\u652f\u4ed8\u7684\u7b26\u5408\u6761\u4ef6\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u768415%\u3002\u8fd9\u662f\u4e00\u9879\u4e0d\u53ef\u9000\u8fd8\u62b5\u514d,\u610f\u5473\u7740\u5b83\u53ef\u4ee5\u964d\u4f4e\u60a8\u5e94\u7f34\u7eb3\u7684\u7a0e\u6b3e,\u4f46\u5982\u679c\u62b5\u514d\u989d\u8d85\u8fc7\u60a8\u7684\u5e94\u7eb3\u7a0e\u989d,\u4e0d\u4f1a\u4ea7\u751f\u9000\u7a0e\u3002\u672a\u4f7f\u7528\u7684\u62b5\u514d\u989d\u53ef\u7ed3\u8f6c\u6700\u591a\u4e94\u5e74\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7a0e\u52a1\u62b5\u514d\u793a\u4f8b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5047\u8bbe\u60a8\u5728\u8be5\u5e74\u5ea6\u652f\u4ed8\u4e86500\u52a0\u5143\u7684\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u3002\u60a8\u53ef\u4ee5\u7533\u62a5\u8fd9\u7b14\u91d1\u989d\u768415%,\u537375\u52a0\u5143,\u4f5c\u4e3a\u7a0e\u52a1\u62b5\u514d\u3002\u8fd975\u52a0\u5143\u5c06\u76f4\u63a5\u51cf\u5c11\u60a8\u7684\u5e94\u7f34\u7a0e\u6b3e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u7533\u62a5\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u62b5\u6263<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u7533\u62a5\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u62b5\u6263\u975e\u5e38\u7b80\u5355\u3002\u8bf7\u6309\u7167\u4ee5\u4e0b\u6b65\u9aa4\u64cd\u4f5c:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7b2c\u4e00\u6b65:\u6838\u5b9e\u8d37\u6b3e\u8d44\u683c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u786e\u8ba4\u60a8\u7684\u8d37\u6b3e\u7b26\u5408\u8054\u90a6\u6216\u7701\/\u5730\u533a\u76f8\u5173\u6cd5\u89c4\u7684\u89c4\u5b9a\u3002\u5408\u5e76\u8d37\u6b3e(\u5373\u7528\u4e00\u7b14\u65b0\u8d37\u6b3e\u507f\u8fd8\u591a\u7b14\u73b0\u6709\u503a\u52a1)\u901a\u5e38\u4e0d\u7b26\u5408\u8d44\u683c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7b2c\u4e8c\u6b65:\u83b7\u53d6\u60a8\u7684\u7a0e\u52a1\u51ed\u5355<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u60a8\u5c06\u6536\u5230\u4e00\u4efdT4A\u51ed\u5355(\u6216\u76f8\u5e94\u7684\u7701\u7ea7\u51ed\u5355),\u4e0a\u9762\u6ce8\u660e\u8be5\u5e74\u5ea6\u6240\u652f\u4ed8\u7684\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u91d1\u989d\u3002\u8bf7\u59a5\u5584\u4fdd\u5b58\u6b64\u51ed\u5355\u4ee5\u5907\u8bb0\u5f55\u4e4b\u7528\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7b2c\u4e09\u6b65:\u7533\u62a5\u7a0e\u52a1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u60a8\u7684\u62a5\u7a0e\u8868\u4e2d\u7533\u62a5\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u91d1\u989d\u3002\u5305\u62ecTurboTax\u5728\u5185\u7684\u5927\u591a\u6570\u62a5\u7a0e\u8f6f\u4ef6\u90fd\u4f1a\u81ea\u52a8\u4e3a\u60a8\u8ba1\u7b97\u8be5\u9879\u62b5\u514d\u989d\u3002\u60a8\u5df2\u507f\u8fd8\u7684\u5b66\u751f\u8d37\u6b3e\u91d1\u989d\u53ef\u5728\u8054\u90a6\u6240\u5f97\u7a0e\u7533\u62a5\u8868\u7684\u7b2c31900\u884c(Line 31900)\u4e2d\u627e\u5230\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">OSAP\u4e0e\u7a0e\u52a1<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u901a\u8fc7\u5b89\u5927\u7565\u5b66\u751f\u8d44\u52a9\u8ba1\u5212(Ontario Student Assistance Program, OSAP)\u83b7\u5f97\u8d44\u52a9\u7684\u5b89\u5927\u7565\u7701\u5c45\u6c11\u800c\u8a00,\u533a\u5206\u8d37\u6b3e\u4e0e\u52a9\u5b66\u91d1\u975e\u5e38\u91cd\u8981\u3002OSAP\u52a9\u5b66\u91d1\u88ab\u89c6\u4e3a\u5e94\u7a0e\u6536\u5165,\u5e94\u5728\u60a8\u7684\u62a5\u7a0e\u8868\u4e2d\u7533\u62a5\u3002\u800cOSAP\u8d37\u6b3e\u5219\u4e0d\u5c5e\u4e8e\u5e94\u7a0e\u6536\u5165,\u4f46\u5176\u6240\u652f\u4ed8\u7684\u5229\u606f\u53ef\u4ee5\u7533\u8bf7\u62b5\u6263\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6700\u5927\u5316\u60a8\u7684\u7a0e\u52a1\u4f18\u60e0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5408\u7406\u8fd0\u7528\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u62b5\u6263\u6709\u52a9\u4e8e\u60a8\u6700\u5927\u5316\u7a0e\u52a1\u8282\u7701\u3002\u8bf7\u8003\u8651\u4ee5\u4e0b\u5efa\u8bae:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6bcf\u5e74\u5c3d\u91cf\u7533\u62a5\u60a8\u80fd\u4f7f\u7528\u7684\u6700\u9ad8\u62b5\u6263\u989d\u5ea6\u3002<\/li>\n\n\n\n<li>\u5c06\u672a\u4f7f\u7528\u7684\u62b5\u514d\u989d\u7ed3\u8f6c\u81f3\u5e94\u7eb3\u7a0e\u6240\u5f97\u989d\u8f83\u9ad8\u7684\u5e74\u5ea6\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u5b66\u751f\u8d37\u6b3e\u8fd8\u6b3e\u65b9\u9762\u7684\u6311\u6218<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u5728\u507f\u8fd8\u5b66\u751f\u8d37\u6b3e\u65b9\u9762\u9047\u5230\u56f0\u96be,\u53ef\u4ee5\u63a2\u8ba8\u8fd8\u6b3e\u63f4\u52a9\u8ba1\u5212\u6216\u7701\u7ea7\u8d37\u6b3e\u51cf\u514d\u9879\u76ee\u7b49\u9009\u62e9\u3002\u8bf7\u8054\u7cfb\u60a8\u7684\u8d37\u6b3e\u673a\u6784\u6216\u5b66\u751f\u8d44\u52a9\u529e\u516c\u5ba4\u4ee5\u83b7\u53d6\u66f4\u591a\u4fe1\u606f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9000\u7a0e\u4e0e\u5b66\u751f\u8d37\u6b3e<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u7a0e\u52a1\u62b5\u514d\u5c5e\u4e8e\u4e0d\u53ef\u9000\u8fd8\u62b5\u514d,\u4e0d\u4f1a\u76f4\u63a5\u589e\u52a0\u60a8\u7684\u9000\u7a0e\u91d1\u989d\u3002\u6b64\u5916,\u60a8\u7684\u9000\u7a0e\u662f\u72ec\u7acb\u7684,\u9664\u975e\u60a8\u7684\u8d37\u6b3e\u5df2\u8fdb\u5165\u52a0\u62ff\u5927\u7a0e\u52a1\u5c40(CRA)\u7684\u50ac\u6536\u7a0b\u5e8f,\u5426\u5219\u4e0d\u4f1a\u81ea\u52a8\u7528\u4e8e\u507f\u8fd8\u60a8\u7684\u5b66\u751f\u8d37\u6b3e\u503a\u52a1\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7ed3\u8bed:\u901a\u8fc7\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u62b5\u6263\u4f18\u5316\u60a8\u7684\u8d22\u52a1\u72b6\u51b5<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e86\u89e3\u52a0\u62ff\u5927\u7684<strong>\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u62b5\u6263<\/strong>\u5bf9\u4e8e\u6709\u6548\u7684\u8d22\u52a1\u89c4\u5212\u81f3\u5173\u91cd\u8981\u3002\u901a\u8fc7\u7533\u62a5\u8fd9\u9879\u4e0d\u53ef\u9000\u8fd8\u7a0e\u52a1\u62b5\u514d,\u60a8\u53ef\u4ee5\u663e\u8457\u51cf\u8f7b\u7a0e\u52a1\u8d1f\u62c5,\u5e76\u817e\u51fa\u8d44\u91d1\u7528\u4e8e\u5b9e\u73b0\u5176\u4ed6\u8d22\u52a1\u76ee\u6807\u3002\u8bf7\u8bb0\u5f97\u6838\u5b9e\u60a8\u7684\u8d37\u6b3e\u8d44\u683c\u3001\u59a5\u5584\u4fdd\u5b58\u8bb0\u5f55,\u5e76\u5584\u7528\u73b0\u6709\u8d44\u6e90,\u4ece\u800c\u5c31\u5b66\u751f\u8d37\u6b3e\u503a\u52a1\u548c\u7a0e\u52a1\u7ba1\u7406\u505a\u51fa\u660e\u667a\u7684\u51b3\u7b56\u3002\u60a8\u662f\u5426\u5df2\u7ecf\u5236\u5b9a\u4e86\u6700\u5927\u5316\u5b66\u751f\u8d37\u6b3e\u5229\u606f\u62b5\u6263\u7684\u8ba1\u5212?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4e86\u89e3\u5b66\u751f\u8d37\u6b3e\u4e0e\u7a0e\u52a1\u7684\u5173\u7cfb\u53ef\u80fd\u76f8\u5f53\u590d\u6742\u3002\u638c\u63e1\u5229\u606f\u62b5\u6263\u7684\u8fd0\u4f5c\u65b9\u5f0f,\u5bf9\u4e8e\u6700\u5927&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,15],"tags":[],"class_list":["post-900267","post","type-post","status-publish","format-standard","hentry","category-zh","category-shui-wu-jian-mian"],"_links":{"self":[{"href":"https:\/\/truenorthtaxes.ca\/zh\/wp-json\/wp\/v2\/posts\/900267","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/truenorthtaxes.ca\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/truenorthtaxes.ca\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/truenorthtaxes.ca\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/truenorthtaxes.ca\/zh\/wp-json\/wp\/v2\/comments?post=900267"}],"version-history":[{"count":0,"href":"https:\/\/truenorthtaxes.ca\/zh\/wp-json\/wp\/v2\/posts\/900267\/revisions"}],"wp:attachment":[{"href":"https:\/\/truenorthtaxes.ca\/zh\/wp-json\/wp\/v2\/media?parent=900267"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/truenorthtaxes.ca\/zh\/wp-json\/wp\/v2\/categories?post=900267"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/truenorthtaxes.ca\/zh\/wp-json\/wp\/v2\/tags?post=900267"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}