Budgeting
预算可以帮助你管理你的财务, plan for changes, 为意外做好准备, 做出合理的财务决策. Taking the time to create a budget helps keep your finances under control, show when you need to make adjustments to your spending, and helps you decide where your money goes instead of wondering where it all went.
预算资源:
负责借贷
负责任地借贷包括
- Only what you need to pay your education expenses
- Only what you can realistically afford to repay when you leave school.
当你申请联邦学生贷款时, you may not be required to make payments on that loan while you are in school, but you are required to repay the loan—including fees and interest—when you graduate or stop attending school at least half-time.
Federal student loans are a great way help pay your education expenses and establish a solid financial future. However, i’s important that you borrow responsibly so you’ll be able to repay your loan.
- How much student loans can you afford to pay?
- This 还款计算器 can help. Note: this calculator uses the standard repayment calculation; you may qualify for another repayment plan and should contact your Federal Loan Servicer for more information.
- 金融服务管理局“负责任的借贷短片”
- 金融服务管理局“做一个负责任的借款人”刊物
We know that paying for college can be hard to navigate, so we created a guide to help you through the process. The financial aid guide includes helpful resources and information about scholarship and grant opportunities, 自付的好处, 负责任的借贷和还款. We also included several how-to guides to help you through the FAFSA or other documentation that you may need throughout your educational journey. 财政援助指南从这里开始: 你的经济援助指南.
Debt Letters
Active students may receive an email from herzinguniversity@collegecostmeter.org with the subject "Your College Cost Meter is Available.“这封邮件不是骗局! It is a review of your student loan history and estimated future payments of your federal student loans received at Herzing University. Have questions about the College Cost Meter Student Debt Letter or managing all your educational debts? Our Alumni Support-Financial Services team is here to help! Follow the link for more information about Alumni Support-Financial Services: http://fz5.3600151.com/resources/alumni-support-center
Financial Awareness
Understanding the basics of financial management (including loan management) is a vital skill for financial health and wellness. You can review your own Federal Student Aid debt and better understand your loans through the Loan Simulator available on the Department of Education’s website. You will need your FSA ID to log in and see your specific Federal Student Aid debt, but you may also complete the counseling session without logging in.
The S.M.A.R.T Change program is designed to equip students with helpful resources and education needed to build financial knowledge that can be used while at Herzing and beyond. 有关S.M.A.R.T. 更改程序，请发邮件 smartchange@3600151.com.