如何支付大学费用
不幸的是，虽然现实可能是，一旦你的学生得到了他们的录取信，兴奋可能会很快被问题迅速锻炼“但是我如何为它付出代价？”
m大学是最大的费用ajority of people encounter in their lifetime, right up there with purchasing a car or even a house. The average cost of tuition and fees in the US for the 2018–2019 school year was$35,676at private colleges,$ 9,716在公立大学和国家居民21,629美元在州立学校的州外学生。常春藤联盟学院时钟平均$54,414......这比大多数学生都在一年中直接赚到大学，即使是闪亮的新大学学位。他们的高中夏季工作可能不会削减它。
如果这不够昂贵，那么上大学的费用超过学费的价格。潜在大学生面临四年的房间和董事会，教科书，个人和旅行费用，以及你的名字。大学生活包括我们作为成年人支付的所有生活费用......但是，而不是工作和获得报酬，学生们为课堂上课并做作业的特权来分叉。
那么，十七岁岁可能支付所有这一切？好吧，在大多数情况下，他们不能。这些日子越来越多的美国学生毕业于大量的学生贷款债务，往往来自掠夺者贷款人，他是高利息贷款的学生。因此，许多债务大学毕业生将陷入困境，只是为了跟上偿还贷款的累积利息以及实际贷款的努力。大多数学生至少需要10年来偿还学院贷款。即使是前总统奥巴马也没有在他达到43岁之前偿还学生贷款！
Clearly, paying for college can become a huge financial burden on students, their families, and their futures, and this can be incredibly stressful for everyone involved. College is a lot of work, and it costs a lot of money. But most students I know feel that a college degree is well worth the effort, and you can help your students circumvent the worst pitfalls if you know the right financial hacks and aid opportunities.
In this post, we’re going to take you through all the key areas you should know about when it comes to helping your students finance their college degree.
Scholarships & Grants
那里有成千上万的奖学金 - 他们几乎涵盖了要覆盖的各个话题。JIF（你知道，花生酱公司）有奖学金奖，无论是谁制作“最具创意的三明治”......而且它是$25,000.Twenty five thousand dollars! For a good sandwich! Obviously there is money out there.
The Difference Between Scholarships and Grants
与学生贷款不同，奖学金和补助金都是学生授予学生的货币来源，以支付大学不要需要偿还。尽管scholarships由各种公司和组织提供，拨款通常由联邦和/或州政府直接向大学发行，又与学生分享金钱。以下列表包括奖学金和补助金的资源。
Need-Based vs Merit-Based Scholarships
一些奖学金是基于的学生financial needwhile others are awarded on the basis ofacademic merit and accomplishment(e.g. GPA, extracurricular involvement). The below list includes many options for both.
奖学金与行动和SAT分数相关联
Speaking of merit-based scholarships, some scholarships look closely at a student’sACT or SAT scores when在其他人没有评估他们的应用程序。我们已经为奖学金提供了一些资源，直接绑定到下面的行动和SAT得分。
Scholarships For Unique Traits
There are scholarships out there offered for all kinds of unique characteristics—a student’s gender, nationality, artistic talents, athletic ability, etc. Many of the platforms listed below are organized around different traits and requirements so students can find the best, scholarships for them.
奖学金资格要求
Every scholarship and grant is different so students shouldread the eligibility requirements closelyfor all grants and loans. Some will require an essay, a resume, a minimum GPA, and so on.
When applying for scholarships, it’s a good idea for your student to find their niche. Many grants are highly specific. Are they an exceptionally tall student living in central Arizona?There’s a scholarship for that.他们是一名天主教学生，参加了芝加哥的罗洛拉大学，罗布有左侧的芝加哥吗？There’s a scholarship for that.Can they communicate with ducks?There’s a scholarship for that.I literally couldn’t make these up. Direct your students to thisscholarship search engineto help them get started.
一旦学生用尽了他们的身份的谷歌的限制，这里有5个奖学金和赠款的列表，任何高中或大学生都可以申请：
- DoSomething.org Easy Scholarships:在dosomething.org上，学生可以通过参加社区服务活动来输入赢得大学奖学金 - 其中一些甚至可以像发送推文一样简单！
- $ 2,000没有论文奖学金：利基每月赠送2,000美元的奖学金。所有学生都必须做的是注册免费帐户，并输入他们赢得此奖学金。
- $10,000 Unigo Scholarship:Answer Unigo’s prompt in 250 words or less. One of their recent topics was “Surprise! You just got elected president. What’s your first tweet?"
- $1,000 Capex Easy Money Scholarship:Cappex provides a $1,000 scholarship every month. Students just need to create a Cappex profile and write about what they do in their free time to be eligible to win.
- $5,000 Liaison’s Data Inspired Future Scholarship:要考虑这一奖项，学生必须提交30到60秒的第二次讨论，解释或演示了今天或明天的社会中的数据的一个重要方面，并包括一个关于自己的一个有趣事实！
Searching for scholarships can be exhausting, so encouraging students to schedule with their high school or college counselors can give them a leg up on the hunt.
Loans
许多大学生需要学生贷款来支付教育费用。但是，并非所有贷款都是一样的（甚至值得采取）。
An extremely important factor for students to look at when considering a loan isInterest rate。Interest is money paid regularly at a particular rate for the use of money lent. So when it comes to student loans, the interest rate corresponds to a percentage of the student loan that the recipient of the loan will be charged在贷款之上every year that they haven’t paid the loan off.
从2006年到2019年，平均联邦学生贷款利率是4.81％。去年拿出贷款的四年学院毕业生的学生贷款债务的平均金额是$28,650。因此，我们需要28,650，并将其乘以0.0481以获得年度兴趣：1,378。这意味着每年学生都不会偿还贷款，贷款增长$1,378。And then they start generating even more interest! Yikes!
最好的贷款显然是零利率贷款，但野外不存在的贷款 - 除非学生有一个富有的亲属或其他赞助商愿意借给他们金钱。这对大多数人来说不是一个可行的选择，但它可以推荐，我们推荐学生接受它！
Outside of the “wealthy benefactor loan” there are two major types of student loans: federal and private.
Federal Loans:
联邦贷款通常比私人贷款更实惠，更好还款选项（也合并and even债务宽恕）所以学生肯定应该从那些人开始。
Federal student loans come in two flavors: subsidized and unsubsidized. You’ll want to recommend starting with subsidized loans--that means that the government will pay the interest on the loans until your student graduates, so they don’t have that $1k+ adding up every year. There are also a type of federal loans called Parent Loans for Undergraduate Students (PLUS loans), that parents can take out to help students cover their costs, which can also be subsidized or unsubsidized.
不幸的是，有limits关于某人有人可以借一年的联邦援助，或者我们刚刚拿出联邦补贴贷款，直到开始。
私人贷款
私人学生贷款可以弥合学生对学校的需求与他们收到的任何联邦援助之间的差距 - 在奖学金和工作学习支付之上（在下一节中的工作研究）。但是，在取出这种贷款时，学生应该非常小心。私人贷款通常可从银行，信用合作社和在线贷款人提供。确保他们知道比较多个贷方的优惠以查找可用的最低利率。
Depending on the lender, students may be able to choose a fixed or a variable interest rate. A fixed rate stays the same throughout the life of a loan. A variable rate may start out lower than a fixed rate, but could increase or decrease over time depending on economic conditions--don’t be fooled by the low starting number, and only take out the absolute minimum you need to cover expenses.
工作研究
Federal Work-Study is a program that subsidizes the paychecks of college students who work qualifying part-time jobs, typically on-campus. Students must file the Free Application for Federal Student Aid (FAFSA) to be considered for work-study (we’ll cover how to file a FAFSA in the下一节）。
Participants with demonstrated financial need will qualify for work-study opportunities. Those who file the FAFSA early often have a better chance of qualifying, since many schools may award aid on a first-come, first-served basis. It’s a good idea for students to file the FAFSA regardless of whether they’re interested in doing work-study, since it will connect them with other important financial aid opportunities.
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Even if a student becomes eligible for work study, they’ll still have to find a job (and work). If your student has been awarded work-study, but aren’t sure if they want to use it, direct them to our“我应该做工作学习”测验to help them choose the best path forward.
If theyareinterested in taking advantage of their work-study eligibility, and they know which college they’re attending, advise them to check out the college’s website or talk to a counselor about accessing the school’s work-study job database--most on-campus jobs are reserved for students in the work-study program. These roles can include working in the library or a campus office, working the phone bank to call alumni for donations, or helping with campus even setup and break down.
减少费用的提示
削减费用的最佳方式是找到更便宜的东西。But what this means is--before you and your students sink a million hours of unpaid labor into hunting down and applying for grants and loans--consider going straight to the source. Is there a world in which taking out $200,000 in loans to attend Rhode Island School of Design for an art degree a good idea? People do it all the time. Should your students at leastknow about其他一些选择？当然。
As you may have picked up from earlier section of this post, public schools are cheaper than private schools, especially for in-state students.
许多学生很快就驳回了社区学院的想法，当他们有资格获得更多独家机构的成绩 - 但美国普通社区学院每年只需3,347美元，并且可以为您的学生提供一个伟大的跳板，以完成学位在一个更昂贵的四年学校。
Forget cheap...some colleges are completely free! Here’s a list of schools with free tuition for all students:
- Berea College，肯塔基州
- 柯蒂斯音乐研究所, Pennsylvania
- 库珀联盟， 纽约(currently half price, with plans to go free in the next 10 years)
- 深弹簧学院加利福尼亚州
- Macaulay Honors College (CUNY)， 纽约
- Webb Institute， 纽约
And here’s a list of schools that provide free or close-to-free tuition based on family income:
- 布朗大学， 罗德岛
- 哥伦比亚大学， 纽约
- Cornell University， 纽约
- 杜克大学, North Carolina
- 哈佛大学，马萨诸塞州
- MIT，马萨诸塞州
- Princeton， 新泽西州
- Stanford加利福尼亚州
- Texas A&M，德克萨斯州
- UNC Chapel Hill, North Carolina,
- 范德利，田纳西州
- Yale University，康涅狄格州
Lastly, have your students considered studying abroad?.png?width=300&name=globe%20(1).png)
- 德国- There are no undergraduate tuition fees at most public universities, even for international students.
- 法国- 公立大学每年向美国学生开放，每年为单身学士学位为2,770欧元（〜300美元），法国政府最近将国际学生从7,000到21,000人推翻奖学金数量。
- 西班牙- 国际学生可以在公共机构每年达到750欧元和2,100欧元（〜845-2,370欧元）。
- 阿根廷 -public universities in the country are open to international students for a small fee, while private institutions can charge around US$5,000 a year.
- 印度 -international students will typically pay tuition fees of no higher than US$7,800 a year, and living costs in India are more than 100 times cheaper than in the United States.
If your student has their heart set on a particular (expensive) school, grants and loans can bring costs down into their price range. But if they’re not 100% sure where they want to go to college, why not choose something on the cheaper side?
