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金融健康

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，以及你是否选择贷款来帮助支付大学费用, 只借你需要的东西. 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 are 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, 比如银河官方网站退休的时候, 丢掉工作, get a divorce or get sick and can not work. Besides basic needs, you have other things that you use and buy. 它们通常是你想要的东西，但如果你没有钱买它们，也可以没有. 比如出去吃饭、修指甲、买辆新自行车或穿名牌衣服. Although an item may be a need, it is still important to budget. For example, a student may need a computer to get school work done.

你选择的学校

银河官方网站会说:有时里吉斯大学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课程，费用可能略低. Does the program, flexibility and location make Regis the best option? 当然可以! 一定要做研究，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, 你可以减少交通成本，或者腾出时间做兼职或全职工作，以提供完成课程的时间/地点的灵活性，并为你的教育赚钱.

毕业后的薪水

债务管理的一部分是决定你能在教育上花多少钱，以及你应该根据未来的工资借多少钱. 对于一个医学院的学生来说，借20万美元的学生贷款可能是有道理的. 它甚至可能是必要的. 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. 银河官方网站鼓励你在网上做一些研究，根据你的课程找到平均工资.

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件).)
  3. 分析: 什么是有效的? 什么是不工作的? What items are you spending money on that may not be necessary?
  4. 反应: 如果你的支出大于收入，制定一个计划，这样你就能回到正轨.
  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需要考虑其他项目. 看看这些东西:

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 金融援助 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申请学生贷款. 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 帮助页面的类型.

The Price of the School You Plan to Attend
学费越贵，你就越有可能需要贷款. 你可以 visit our tuition and fees page to look at the cost of your program.

预计毕业日期
你应该考虑完成课程所需的时间. For many undergraduate students, that is 4 years. 但是，你需要第5年? 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. 想想你要完成多少个学期或多少年的课程，并明白一个学期或一年的课程成本应该乘以你需要什么.

了解你的信用

你的信用评分和信用历史会影响生活中很多东西，比如你支付费用或未来大额购物的能力. 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 申请免费的信用报告 每年.

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债务和借款资源

We have great information on loan options for all students listed on our 帮助页面的类型.

在你选择贷款之前，银河官方网站认为重要的是要审查一个贷款偿还计算器. 你可以指出你已经借了多少钱或你计划借多少钱来审查你最终的月供 来访的热门产品.政府. If the monthly payment looks like it is too much, you will want to take a step back before moving forward. What is your average salary for your program? Do you need to borrow as much as you think? 你看过你的预算，看过你所有的收入和储蓄选择了吗?

Sometimes, the math does not work out. 你可能需要暂停一下，决定去学校是否是正确的选择，或者其他机构是否提供了你的课程，让你在财务上更容易管理. 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, 当你毕业时，限制你的借款额度，并审查所有不同的贷款还款选择.

大多数联邦学生贷款将在你毕业6个月后偿还，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 repayment plans (view different repayment plans).

Look through all of your options. 仅仅因为你开始还款时采用了一种还款计划，并不意味着你以后就不能换一种更适合你的方案. 你需要和你的贷款服务人员一起讨论你所有的选择和改变还款计划的步骤. 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正在接受的贷款将进入“在校延期”状态. This means you do not have to pay on them. 然而，有些贷款会继续产生利息. 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增减日期过后报告给国家信息交换中心. 如果你注册了至少一半时间，你的贷款服务正在要求付款, you can contact them and get what is called an In-School Deferment Form. 银河官方网站的记录和注册办公室可以填写此表格来核实注册情况.

忍耐还允许你暂时停止偿还你的学生贷款. 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申请一般宽限, 医疗费用, change in employment and other reasons. 一般延期可用于直接贷款，FFEL计划贷款和帕金斯贷款. Mandatory Forbearance has a lot more eligibility requirements.

你可以 你可以在这里找到更多关于强制延期、一般延期和延期的信息.

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款项，以不再拖欠贷款. 逾期90天后，你的贷款服务人员将向三个主要的信用报告机构报告你的未付款情况. This will negatively impact your credit score and history!

当你继续拖欠学生贷款时，就会发生违约. 你的贷款是否被视为违约，视乎贷款的种类而定. 你可以 find additional information about delinquency and default.

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