Kulipa kwa ajili ya chuo au chuo kikuu
Chuo inaweza kuwa ghali sana. Ni rahisi kwa wanafunzi katika Marekani wanajikuta na kikubwa cha deni kutoka gharama za chuo. Kuna chaguzi kadhaa kwa ajili ya kulipa kwa ajili ya Chuo cha, Hata hivyo. Jifunze kuhusu mikopo ya serikali, mikopo binafsi, ruzuku na masomo.
College can be very expensive. It is easy for students in the USA find themselves with large amounts of debt from the cost of college. There are several options for paying for college, however. Learn about government loans, private loans, grants and scholarships.
Mikopo ya serikali
Baadhi ya wanafunzi kulipa kwa ajili ya chuo na mkopo kutoka serikali. Kwa wanafunzi wengi, Hii ni nafasi ya kwanza wao kuangalia wakati kulipa kwa ajili ya Chuo cha. Wakati wewe kutumia kwa ajili ya mikopo kutoka serikalini, una kulipa fedha na riba. Hii ina maana unaweza kurudi na fedha za ziada aliongeza. Wahitimu wengi kutumia miaka nyuma kulipa mikopo yao mwanafunzi.
Some students pay for college with loans from the government. For many students, this is the first place they look when paying for college. When you apply for loans from the government, you have to repay the money with interest. This means you return it with extra money added. Many graduates spend years paying back their student loans.
Kuomba mkopo kutoka serikali, una kukamilisha ya Matumizi huru kwa ajili ya misaada ya mwanafunzi shirikisho (FAFSA). Kukamilisha FAFSA ya ni ngumu sana na utata. Unaweza kupata mshauri wa shule ili kukusaidia.
To apply for a loan from the government, you have to complete the Free Application for Federal Student Aid (FAFSA). Completing the FAFSA is very complicated and confusing. You may find a school counselor to help you.
Masomo na ruzuku
Scholarships and grants
Ruzuku na masomo ni msaada wa kifedha ambayo haina irejeshwe. Familia ya kipato cha chini anaweza kupokea ruzuku au masomo kuwasaidia kulipa kwa ajili ya Chuo cha. Ruzuku unaweza kuja kutoka serikali ya shirikisho au serikali. USAHello ina orodha ya masomo kwa ajili ya wakimbizi na wahamiaji. Unaweza kutumia kwa ajili ya masomo yoyote kutoka chuoni na Shirika.
Grants and scholarships are financial help that does not have to be repaid. Low-income families can receive grants or scholarships to help them pay for college. Grants can come from the federal government or state government. USAHello has a list of scholarships for refugees and immigrants. You can apply for any scholarships from your college and from local organization.
Mikopo binafsi ni mikopo kutoka mashirika (kama vile ya benki) au kutoka kwa watu – kwa mfano rafiki au mshiriki wa familia yako. Mikopo binafsi wakati mwingine kuwa riba ya juu sana. Kabla ya kuamua kukopa fedha kwa ajili ya ada ya chuo au gharama za maisha, inapaswa kuzungumza na mshauri wa shule au mtu ambaye anaweza kukusaidia na hakikisha unaelewa mikopo. Unaweza pia Soma zaidi kuhusu kadi za mikopo na mikopo.
Private loans are loans from organizations (such as banks) or from individuals – for example a friend or member of your family. Private loans sometimes have very high interest rates. Before you decide to borrow money for college fees or living expenses, you should talk to a school counselor or someone who can help you and make sure you understand the loans. You can also read more about credit cards and loans.
Kazi ya muda mfupi
Baadhi ya wanafunzi kulipa kwa ajili ya chuo na kwenda shule muda na kazi sehemu ya muda. Wakati mwingine, shule kutoa wanafunzi ruzuku kwamba kuruhusu kazi juu ya chuo na kupata kulipwa kutoka Utafiti wa kazi ya shirikisho fedha. Au unaweza kutafuta ajira mbali kampasi ina masaa rahisi ili kuhudhuria Chuo.
Some students pay for college by going to school part-time and working part-time. Sometimes, schools will give students grants that allow them to work on campus and get paid from Federal Work Study funds. Or you can look for a part-time job off campus that has flexible hours so that you can attend college.
Inaweza kuwa vigumu sana kwenda chuo wakati unafanya kazi, hasa kama una familia. Hakikisha unaweza kutumia kwa ajili ya masomo na kupitia FAFSA pamoja.
It can be very hard to go to college while you are working, especially if you have a family. Make sure you apply for scholarships and through FAFSA as well.