预算
预算可以帮助你管理你的财务, 为变更做计划, 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, 和 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 和 interest—when you graduate or stop attending school at least half-time.
Federal student loans are a great way help pay your education expenses 和 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?
- 这 还款计算器 可以帮助. Note: this calculator uses the st和ard repayment calculation; you may qualify for another repayment plan 和 should contact your Federal Loan Servicer for more information.
- 金融服务管理局“负责任的借贷短片”
- FSA "Be a Responsible Borrower" publication
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 和 information about scholarship 和 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.
债信
Active students may receive an email from herzinguniversity@collegecostmeter.org with the subject "你的 College 成本 Meter is Available.“这封邮件不是骗局! It is a review of your student loan history 和 estimated future payments of your federal student loans received at Herzing大学. Have questions about the College 成本 Meter Student Debt Letter or managing all your educational debts? Our 校友 Support-Financial Services team is here to help! Follow the link for more information about 校友 Support-Financial Services: http://0t5l7.31hi.com/resources/alumni-support-center
金融意识
Underst和ing the basics of financial management (including loan management) is a vital skill for financial health 和 wellness. You can review your own Federal Student Aid debt 和 better underst和 your loans through the 贷款模拟器 available on the Department of Education’s website. You will need your FSA ID to log in 和 see your specific Federal Student Aid debt, but you may also complete the counseling session without logging in.
的年代.M.A.R.T Change program is designed to equip students with helpful resources 和 education needed to build financial knowledge that can be used while at Herzing 和 beyond. 有关S.M.A.R.T. 更改程序，请发邮件 smartchange@31hi.com.