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As part of financial literacy at 瑞吉斯大学, we want to help you take the time to make a budget, 了解你的信用状况,如果你选择贷款来帮助支付大学费用, 只借你需要的. Once you graduate, we also want you to know your loan repayment options.

Things to Consider When Budgeting for School

需要对. 希望

When you’re creating your budget you should consider things like “needs vs. 希望.” Each of us has some common things that we require or need to live. Examples of basic needs include food, water and shelter. 对于很多学生来说, those needs may be different at different times in our life, 比如皇冠官方APP下载退休的时候, 失去一份工作, get a divorce or get sick and can’t work. Besides basic needs, you have other things that you use and buy. 它们通常是你想拥有的东西,但如果你没有钱买它们,你也可以没有它们. 比如外出就餐、修指甲、买辆新自行车或穿名牌衣服. Although an item may be a need, it’s still important to budget. For example, a student may need a computer to get school work done. 


你选择的学校

皇冠官方APP下载会说:有时候皇冠官方APP下载可能不是最实惠的选择! 然而,里吉斯可能会提供比其他学校更好的项目,可能花费更少. Does the program, flexibility and location make Regis the best option? 它肯定可以! 一定要做调查,看看你的学位的直接和“间接”成本. Are online or classroom-based courses right for you? Are classroom or online courses less expensive? Even if classroom-based courses are less expensive, if you can take online classes as part of your program, 你可能会减少交通成本,或者腾出时间做兼职或全职工作,以灵活安排你完成课程的时间/地点,并为你的教育赚钱.


毕业后的薪水

债务管理的一部分是根据你未来的工资来决定你能支付多少教育费用,以及你应该借多少钱. 一个医学院的学生借20万美元的学生贷款可能是有意义的. 这甚至是必要的. But that loan debt will not make sense for every student in every program. Even a fraction of that may be too much for some students. 皇冠官方APP下载鼓励你在网上做一些调查,以找到基于你的专业的平均工资.


学生预算计算器

Everyone should create and follow a budget. 网上有很多很棒的预算计算器(搜索预算计算器,你会发现很多), but here are a few easy steps:

  1. 组织: Write down all of your expenses and all of your income and savings.
  2. 跟踪: 详细记录每一件事(即使是你花钱买的小物品).)
  3. 分析: 是什么工作? 什么不工作? What items are you spending money on that may not be necessary?
  4. 反应: 如果你的支出超过收入,制定一个计划,这样你就可以回到正轨.
  5. 点评: Review your budget monthly, especially if your income can vary.

学生们在考虑上大学的预算时还有其他项目需要考虑. 看看这样的事情:

Where You Plan to Attend School
The cost of living is different depending on the city your school is in. If you are planning to move to Denver for graduate school, you should research the cost of housing (renting or owning a home). If you are going to school here in Denver and flying home on breaks, think about how much a plane ticket costs and plan accordingly.

The Amount of 皇冠官方 Your School Can Offer
所有完成FAFSA(联邦学生援助免费申请)的学生通常都有资格获得学生贷款. 你可能还想研究其他形式的援助,如奖学金、助学金和勤工俭学. 你可以 find information based on your program on the 援助页面类型.

The Price of the School You Plan to Attend
学校越贵,你就越有可能需要贷款. 你可浏览皇冠官方APP下载的 学费和费用页面 to look at the cost of your program.

预期毕业日期
你应该考虑完成你的课程所需要的时间. For many undergraduate students, that’s 4 years. 但是,你需要第5年吗? 适合研究生或全职工作但在网上或晚上上课的学生, the length of time it takes you to complete your program may vary. 想想你要花多少个学期或几年的时间来完成它,并明白你的项目的一个学期或一年的成本应该乘以,这样你就知道你需要什么.

了解你的信用

你的信用评分和信用历史会对你的生活产生很大的影响,比如你支付开支或在未来购买大宗商品的能力. Some student loans are based on credit, and once you borrow your student loans, repaying them on time and in full is crucial to maintaining good credit. 

Your student loans do have an impact on your credit. 学生 loans are reported to the credit-reporting agency. Until these loans go into repayment, their status is “open/in good standing.” Once you go into repayment on your loans, your monthly payment and duration are reported to the credit agency.  

Before you decide to borrow money for any purchase, including borrowing money for college, we believe it’s a great habit to review your credit history. 你可以 请求免费的信用报告 每年.

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Debt and Borrowing Money Resources

We have great information on loan options for all students listing on our 援助页面类型.  

在你选择贷款之前,皇冠官方APP下载认为这是重要的审查贷款偿还计算器. 你可以指出你已经借了多少钱,或者你计划借多少钱,以此来评估你最终的月还款额 来访的热门产品.政府. If the monthly payment looks like it’s too much, you’ll want to take a step back before moving forward. What’s your average salary for your program? Do you need to borrow as much as you think? 你有没有检查你的预算,看看你所有的收入和储蓄选择? 

Sometimes, the math doesn’t work out. 你可能需要停下来,决定去学校是否是正确的选择,或者你的课程是否在其他机构提供,可能会使它在经济上更容易管理. You may not always enjoy repaying your student loans, but we want you to feel prepared for those payments once you graduate.

It’s important to understand the loans you’re borrowing, 当你毕业的时候,限制你要借多少钱,并审查所有不同的偿还贷款的选择.

大多数联邦学生贷款将在你毕业后6个月偿还,或者至少在一半时间内停止注册(即使你还没有毕业). Federal loans also offer a variety of different 还款计划.

Look through all of your options. 仅仅因为你用一个还款计划开始还款,并不意味着你不能在以后换一个更适合你的还款计划. 你会想和你的贷款服务讨论你所有的选择和步骤,以改变支付计划. If you don’t know who your loan servicer is, you’ll want to log onto the National 学生 Loan Database System (NSLDS).

When you are enrolled in college at least half-time, 你过去的学生贷款和你目前接受的贷款将进入“在校延期”状态. This means you do not have to pay on them. 然而,有些贷款会继续增加利息. Consider paying on the interest while you go. This will save you money in the long run! 您的注册将在您的课程的添加/删除日期过后上报到国家信息交换中心. 如果你注册了至少一半的时间,而你的贷款服务要求付款, you can contact them and get what is called an In-School Deferment Form. 皇冠官方APP下载的记录和注册办公室可以填写此表格来核实注册.

宽限还允许你暂时停止支付你的学生贷款. However, this is slightly different from the In-School Deferment. There are two types of Forbearances: General and Mandatory. 学生通常会因为经济困难而要求一般宽限, 医疗费用, change in employment and other reasons. 一般的忍耐是可直接贷款,粗呢计划贷款和珀金斯贷款. Mandatory Forbearance has a lot more eligibility requirements.

你可以 查阅更多有关强制宽限、一般宽限及延期的资料.

Delinquency happens the first day you miss a loan payment. 你必须支付错过的付款,并继续按时支付所有其他付款,以不再拖欠你的贷款. 逾期90天后,你的贷款服务机构将向三大信用报告机构报告你的未付款情况. This will negatively impact your credit score and history!

当你继续拖欠你的学生贷款时,违约就发生了. 你的贷款是否被视为违约,取决于贷款的类型. 你可以 find additional information about delinquency and default.

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