Financial literacy is about making good financial decisions to manage your personal finances – from Budgetinging to credit scores. Many people think of Budgetinging with dread – that it's restrictive and impossible unless you have an accounting degree or love math. 它既不. It's a way to give you financial freedom so you can enjoy spending your money on the things that you want, 不要让自己负债. 有关更多信息，请参见 “理财知识指引”(PDF) 来自美国联邦学生援助办公室.S. 教育部.
在圣. 澳门威尼斯人娱乐城，我们和五大湖合作 & 为学生提供附属机构 GradReady, a financial literacy tool designed for college students to learn more about managing their tuition, Budgeting, 和账单.
A Budgeting, or spending plan, is your first step in managing your money. Before you can create your Budgeting and effectively direct your income, 你需要知道你的钱都花到哪里去了.
While 贷款 may be a part of 资助你的教育, consider two things before you borrow:
确定你真正需要借什么 在你签署贷款协议之前.
When you borrow under the federal loan program, your loan is automatically assigned to a 联邦贷款服务商. Work with the servicer to make payments on interest while you're in school (maybe even a little on the principal) to keep your debt load down.
If you've borrowed and are having trouble repaying the loan or feeling overwhelmed by the process, 一定要联系你的 联邦贷款服务商 或者是 LSS财务咨询中心 免费协助. The LSS财务咨询中心 has partnered with 明尼苏达州 schools to help students with loan counseling. 许多网站都提供面对面的预约 位置 通过电话或Skype在全州范围内联系. You'll work with a Financial Counselor with National Foundation for Credit Counseling (NFCC) 谁会调出你的信用报告呢 回顾NSLDS with you to get a full picture of all your student 贷款 and personal financial situation. Your loan servicer 或者是 LSS Financial Counselor will walk through your repayment options, 帮助你理解每个选择的利弊, and work with you to develop a plan that best meets your personal situation to help you 避免违约 或者如果你已经违约了，就回到正轨. Financial counselors will also work with you to develop a Budgeting and spending plan for your financial success.
When 资助你的教育 abroad experience, preparation and planning are essential. 我们建议您 至少计划一年的财务 在你旅行之前. The 财政援助办事处 is available to help you begin and navigate this process.
当你出国时, you will have similar types of costs that you would during your time on campus (tuition, 费用, 住房, 食品/餐, 健康保险, 运输). There are additional costs to consider such as the $75 application fee, 机票, 护照/签证, 免疫接种和个人开支. 这 留学Budgeting工作表 能帮你做Budgeting和计划吗.
Once you have been accepted into your study abroad program, the Center for International (CIS) will submit an official Budgeting to the 财政援助办事处 prior to your term abroad. 如果你申请了经济资助 项目Budgeting和成本表 (PDF) supplied by CIS will be used to estimate your financial aid eligibility and award f或者是 term(s) that you are studying abroad.
许多学生将额外借阅 贷款 用以支付海外教育项目的费用. 通过严格的Budgeting来降低你的债务负担, 只借你需要的东西, and paying for as much as you can out of pocket with savings or earnings from work.