轻松得到大学学费：4种易被忽视的学费来源

发布时间：2015-03-20来源：查字典留学网

轻松得到大学学费：4种易被忽视的学费来源

轻松得到大学学费：4种易被忽视的学费来源

美国大学学费对一般人来说是一笔不小的开支，人们也在通过各种渠道赚取学费来源，这里介绍了四种容易被忽视的学费来源，大家一起看看吧，也许会对你有帮助!

Paying for college is rarely easy. Ideally, it's a longterm process of building and using a collection of savings, institutional aid, free money, and—if necessary—loans. But with so many avenues for financing your education, it's often difficult to sort out what might work best for you, given your situation and time frame. Whether you'll be moving into your dorm room in two months or you're starting to save now for your toddler's college education, here are four often-overlooked considerations that may lessen your financial burden:

大学学费不是那么容易就能交得起的，得存很久的钱、依靠一些机构的帮助、甚至贷款。虽然给教育提供财政支持的渠道有很多种，但要找到一个最适合你的却不是那么容易。以下有4种容易被忽略的选择，也许能减轻你的经济负担。

Exhaust your federal options: Because federal loans (Stafford and Perkins) are cheaper and have more flexible repayment options, students with financial need should always exhaust their federal options before looking to private loans, says Kevin Walker, cofounder and CEO of . It's an often overlooked route, he adds, because some families mistakenly assume it's a complicated process for a loan they may be too well off to qualify for anyway.

一、联邦贷款。联邦贷款的偿还利息更小，偿还方式也更灵活，所以有借款需求的学生应该在寻求私人贷款前尽可能尝试联邦贷款方式。这是一种容易被忽视的途径，因为一些家庭错误地认为自己不符合借贷要求。

Consider 529 plans: If you have some time before college, a 529 savings plan may be an attractive route for you. Named after Section 529 of the Internal Revenue Code under which it was created, a 529 plan allows users to select from a variety of funds in which to invest, including real estate and money market accounts. In 34 states and the District of Columbia, parents with a 529 plan qualify for an income tax deduction or credit on contributions.

二、考虑529计划。如果你在大学开学前有空闲时间，那么529储蓄计划也许会适合你。

Regiment yourself: No matter how far away college is for you or your child, it's crucial to start adhering to a savings plan now. Though it might feel painful at first, research shows that students and parents who stow away set levels of college cash at specific intervals are more inclined to feel confident about their ability to pay for college.

三、自己省钱并存下来。不管你或你的孩子离上大学的时间还有多长，从现在开始省钱都是十分必要的。

Explore last-minute options: If you are beginning college this fall, don't assume it's too late to find scholarships, SimpleTuition's Walker says. Use these next few weeks to scour the Internet, community listings, and your high school's counseling office for any last-minute sources of aid or scholarship money that went unused in the traditional school year award period. Other scholarships have deadlines throughout the calendar year. In an online scholarship search, specify what state you live in to help you find local results, Walker recommends.

四、最后一刻的选择：奖学金。及时你今年秋天就开学，现在开始申请奖学金也不会晚。在学校搜索所有奖学金的渠道和标准，看看自己是否符合。

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