让上得起大学

菠菜网lol正规平台 half of students who attend college receive some type of financial aid. The number one supplier of financial aid is the United States 政府ernment, lending or granting $35-40 billion dollars per year to students. A combination of some or all of the following opportunities may be the best way to make your education affordable.

经济援助有两种基本形式. 第一个, grants or scholarships are programs where money for college is given directly to you, 学生, 或者代表你去学校. 这笔钱不需要偿还. Second, you and/or your family may take out a loan to pay college costs--this money must be repaid.

奖学金和助学金是不断变化的. Some scholarships are offered every year, some only once, and new ones frequently become available. Every college has scholarship and grant programs available to its students. To determine what may be available, you and your family should contact the colleges directly. There are also thousands of national scholarships and grants available. Many colleges offer academic or athletic scholarships to students. 这些很难得到, and at this point in your education you should not count on such scholarships to pay for college. Pell 奖助金 are difficult to get and are limited in number.

These funds are for the families and students with greatest financial need. 与此同时, 发展你在学术上的特殊才能, 体育, 音乐等等, because it will be helpful for your future scholarship applications. Full scholarships to colleges are difficult to get and there are few available. To ensure you have the ability to attend college in the future it is wise to investigate what scholarships may be available, but plan on paying for college either through savings or other financial aid. Should you be fortunate to receive a scholarship in the future--congratulations! If not, there will still be many options to help you pay for college.

Service Scholarships like those offered by the Peace Corps and Reserve Officer Training Corps (ROTC) offer financial assistance to many students throughout the country. These programs are a combination of scholarships and loans. Instead of repaying the money with interest like you would with a loan, 学生 is required to serve in the Peace Corps or the military for a certain number of years after graduation. 如果你对这些课程感兴趣, contact them early to find out what academic and other requirements they may have.

税收抵免和免税储蓄计划. Besides direct financial aid programs the federal 政府ernment also assists families with children enrolled in college by lowering their taxes. 税收抵免, 对于符合条件的人, currently assist families with children in college by lowering their taxes up to $1,000元/年. The federal 政府ernment allows qualified families invest up to $500 per year into Educational IRAs. The interest earned on these accounts is tax free if used for education beyond high school. Almost every bank and financial institution can assist you with opening an Educational IRA.

Work Study programs allow students who qualify for financial aid, to work at jobs on campus or in the local community part time during the school year or during the summer to assist in paying college costs.

学生贷款有多种类型, 有些得到了政府的支持, 其他人则通过大学或金融机构. Like scholarships and grants, these programs are constantly changing. 这里讨论的贷款是由政府资助的, and you may apply for them through financial institutions, 大学或直接通过政府. 当你接近大学入学时, 确保你和你的家人联系大学辅导员, 大学财政援助主任, and other resources to ensure you are aware of any changes made in financial aid requirements and programs. 更实际地, potential college students and their families who will need financial assistance for college should expect to get some type of loan to pay for college costs.

这取决于你家庭的经济需要, different types of loans exist to assist in paying college costs. Here is a partial list of some of the different loans available.

工作人员ord Loans are the most common form of college financial aid. 这些贷款直接贷给学生. Typically repayment of the loans does not begin until six months after 学生 finishes classes. In the case of those who exhibit the greatest financial need, 贷款的部分利息可能会得到补贴, 放宽将来偿还贷款的条件.

PLUS Loans are made to parents to assist in college costs that may not be fully covered by other grants, 奖学金或学生贷款.

Every college has a financial aid office where they can help answer questions you may have about college costs and how you might pay for college. It is never too early to contact colleges about your future plans so that you will be financially prepared to attend college.