金融知识

The relationship between education and basic needs is clear. 你不能专注于你的 education if you can’t afford the basics, so for most of us, we need to make the most 我们有限的财政. Here are some easy tips and personalized resources for you to make sure you’ll have the money to meet your needs and be successful while you’re 在上海州立大学.

iGrad is a free, online financial literacy platform all Spartans can use to learn 更多关于明智的理财选择. 无论你是否对个人预算有经验， or new to managing your finances, iGrad meets you where you’re at and shows you where 从那里开始.

现在就去找我

• 多少钱?

  • iGrad对你来说绝对是免费的. 菠菜网lol正规平台支付与提供相关的所有费用 为学生提供的服务.

• 这对我有什么好处?

  • With the information and skills in iGrad, you’ll be able to grow your financial power 和独立.

• 为什么要注册iGrad?

  • Though you don’t have to register, as soon as you do you’ll have access to personalized, easy to understand, stress-free questionnaires that help iGrad find just the right content to start your financial learning，并从中增长你的技能和知识. 除了往前走，别无他法!

• 当前的iGrad用户在说什么?

  • “iGrad是一个非常有用的工具. iGrad会在那里指导你解决任何财务问题 你可能有. With very detailed information you can't go wrong with learning about the options you have to succeed in school and life stability.”

    “iGrad has exposed me to plenty of the finer points of personal finance that I have never even heard of, and I am not even done with all of the lessons yet! 我很感激 for the service, as I am no longer nervous about dealing with financial affairs. In 事实上，我很兴奋!”

    “iGrad teaches so many topics that I never learned in school. 这有点疯狂 these essential topics are never discussed, such as the terminology and how to effectively 通过贷款和其他事情来管理资金. 伊格拉德真的给了我需要的鼓舞 to start planning for my financial future, because I didn't really realize how important 是的，开始永远不嫌早.”

你的最终目标是你的学位. 你的经济援助中的每一项都是打包的 help you get everything you need to reach that (the Cost of Attendance). 我们都想要 to minimize debt, but for many of us loans are a necessary tool to help us connect with important opportunities, like  a car, a house, or a decent chance at earning a degree. In fact, 37% of Spartans used the 财政援助贷款 they were awarded 帮助他们的教育成为可能. 把你的经济援助放在桌子上， and you could be making getting a degree harder on yourself than it needs to be. Note that most university emergency financial assistance programs require you to have used all your 财政援助贷款 before considering you for crisis funding.

Here are some things to consider about the strategic value of loans that you can use 以你为受益人:

• Loans vs. 信用卡

  • if you’re using a credit card to pay for basic needs like food, housing, and utility bills, and not paying off the balance on your card each month, 那张信用卡 比贷款还贵吗. 收取的本科生金融利息 今年的援助贷款将达到3亿美元.73%. 新信用卡持有者的平均利率 is 18.04% (wallethub.com, 8/2/2021) - that’s charging you almost FIVE TIMES as much 作为财政援助贷款! And subsidized loans don’t even charge you interest as long 当你注册了一半或更多的时间!!  你到底愿意出多少钱 interest for that extra $3,000 that can help you make ends meet each month for the 即将到来的学年? 请看西北大学的研究 信用卡vs. 学生贷款.

    And if you’re carrying a large balance on a credit card and have unused 学生贷款, you should think about taking those loans out to pay off your credit card. You’ll spend less of your money paying the interest for the financial aid loan than you will 对于信用卡的高利率.

• Most 财政援助贷款 are MUCH better than the average personal loan
  • 而不是 个人贷款, for most financial aid, you don’t  even need a credit score to apply - you only 需要提交FAFSA.. 只要你至少有一半的时间留在学校 你不必开始支付. It’s understandable to be worried you won’t get a job right out of college - the terms of your payments may be adapted based on your financial need after you graduate. See what Experian, a global leader in credit reporting, has to say about 个人对. 财政援助贷款.
• 只拿你需要的东西
  • While 22% of Spartans use all the loans in their aid package, those who use only part 他们的贷款平均只占总额的15%.  没有人想要不必要的债务. 如果你对成本进行了预测. 年度收入，以及 你只需要一些贷款就行了, then you can take out only that much (like just enough to pay the security deposit for a new housing rental, or to help you make ends meet until you start your next job). 这将使你的债务降到最低. 从你的补贴贷款开始 is INTEREST FREE as long as you’re enrolled at least half time. 如果意外发生 comes up later in the school year, you can still take out all or a portion of your 当时的贷款余额.看看伊格拉德是怎么说的 聪明的借款.
• Working more so you can avoid loans isn’t always the smartest financial decision
  • Many students need to work while attending college to help make ends meet, but working 太多的工作，或者太多的工作，都有潜在的成本. 在财务方面，你应该总是 考虑你的长期游戏. If you work so much that you don’t have enough time to study and  pass all your classes, then you may need to take those classes again. That means paying the tuition and fees for those repeated classes again. 如果耽误了你的 graduation by a semester, or a year, then that’s 4 to 12 months of missed wages from the professional job you’re planning to get when you graduate. 把这些加起来，然后 maybe taking out some of your 学生贷款 will help you graduate on time and actually 从长远来看，做更多的事情来增加你的财富.
• 更多关于贷款精明的提示
  • 1. Your financial aid loan funds don’t come to you immediately. Plan ahead. Depending on the time of semester, it may take from a couple days to a few weeks until your 贷款资金转入你的账户.
    2. 让你的贷款退还给你更快-如果你设置 直接存款[pdf] with the Bursar’s Office, you’ll gain access to your funds without having to wait 打印并邮寄给你的纸质支票.
    3. 贷款先还清你的大学余额. 如果你需要“额外”资金， make sure you figure that amount into how much of your loan(s) you borrow.
    4. Knowing how much you already owe can help you feel more confident about how much more to borrow. iGrad (http://sjsu.igrad.com/)可以帮助你 在一个地方记录你所有的教育贷款.