哈哈哈,你写的帖子我都同意!有些人太理想化了,那些”最好的结果“最大化都发生 在你身上了?我怎 么看到那么多还不起学生贷款的人呢?我就是在美国上的大学,普通公立。我roomate 的男朋友(美国 人)到现在毕业四五年了还没还清贷款,别说什么旅游,回家探亲都没钱买飞机票。很 多美国middle class其实挺穷的,我们博士班有个人就存了1万块钱,其他人说起来还嫉妒死,说, she has ten thousand!我刚开始还以为是十万,值得这么嫉妒。
【在 az 的大作中提到】 : 我都说了我嫉妒了啊。。。。。。如果是真的,我往下downgrade努力下不行啊,哈哈 : 大家说话就好好说,你讲理,我也讲理,干嘛总是人身攻击呢,这样不能显得是你是对 : 的啊
N*g
45 楼
Just one example of "need-based" financial aid... "For more than three decades, we've considered students for admission to Princeton without concern over their families' ability to pay — and offered aid to cover 100 percent of each admitted student’s need. In 2001 the University implemented a variety of financial aid improvements to create the best possible need-based aid program. Central to this program is our groundbreaking "no loan" policy; Princeton was the first university to offer every aid recipient a financial aid package that replaces loans with grant aid (scholarships) that students do not pay back. " http://www.princeton.edu/admission/financialaid/
【在 N*******g 的大作中提到】 : Just one example of "need-based" financial aid... : "For more than three decades, we've considered students for admission to : Princeton without concern over their families' ability to pay — and offered : aid to cover 100 percent of each admitted student’s need. : In 2001 the University implemented a variety of financial aid improvements : to create the best possible need-based aid program. Central to this program : is our groundbreaking "no loan" policy; Princeton was the first university : to offer every aid recipient a financial aid package that replaces loans : with grant aid (scholarships) that students do not pay back. " : http://www.princeton.edu/admission/financialaid/
https://sweb2.princeton.edu/cgi-bin/FinAid/finaid_form.pl 在他家的官网估算了一下,假定家庭年收入10万,3个上大学的小孩,有房另有10万存 款: Review Your Information Here are the answers you gave. Please check them for accuracy. Then follow the instructions at the bottom of this page. Country of citizenship: USA Section I Answers Adjusted gross income $100000 Untaxed income 0 Income tax paid 20000 Mother's income 50000 Father's income 50000 Section II Answers Parents' savings $100000 Parents' investments 0 Home Owner Yes Other equity 0 Business or farm equity 0 Section III Answers Family size 5 Children in college 3 Private school tuitions paid $0 Siblings in private school 0 Medical and dental expenses 0 Child support paid to another household 0 Parents' state New Jersey Parent's age 50 Section IV Answers Student's savings $0 Student's investments and trusts 0 New Jersey Public High School Yes
注意这个cost是包括room, board, book and personal expenses在内的,不算个人生 活费, 学校是严重倒贴的
【在 N*******g 的大作中提到】 : https://sweb2.princeton.edu/cgi-bin/FinAid/finaid_form.pl : 在他家的官网估算了一下,假定家庭年收入10万,3个上大学的小孩,有房另有10万存 : 款: : Review Your Information : Here are the answers you gave. Please check them for accuracy. Then : follow the instructions at the bottom of this page. : Country of citizenship: USA : Section I Answers : Adjusted gross income $100000 : Untaxed income 0
【在 N*******g 的大作中提到】 : https://sweb2.princeton.edu/cgi-bin/FinAid/finaid_form.pl : 在他家的官网估算了一下,假定家庭年收入10万,3个上大学的小孩,有房另有10万存 : 款: : Review Your Information : Here are the answers you gave. Please check them for accuracy. Then : follow the instructions at the bottom of this page. : Country of citizenship: USA : Section I Answers : Adjusted gross income $100000 : Untaxed income 0
没有什么too good to be true的。想一想: 如果你的家庭人均收入常年都是低于人均2万,这样生活十几年,二十年,你家里的总 资产是一个什么状况? 别人的家庭人均有4,5万,去除不可再转为现金的开销(吃饭 ,汽油,水电费...)积累下来,总资产又是什么状况? 不管东西岸还是大农村,谁有 钱谁没钱,最终比得难道不还是总资产么? 这样20年算下来,总资产差距一两百万是 很有可能的吧? 那现在孩子们要上大学了,A家的总资产有40万,目前家庭收入有8- 10万养5个人,B家的总资产有140万,目前家庭收入20-25万养4个人,A家的孩子拿补 助上学,没有too good to be true吧? 更何况,家庭经济状况差一些的孩子上大学或 者上好大学的比例本来就少很多,学校鼓励一下经济支持一下,从人情上,也不难理解 吧?
【在 f*******e 的大作中提到】 : : 多谢信息。。。 : 是一个孩子5800-6800? : 后面孩子上大学也叫这么多?只要不是几个同时交,那收入10万,也可以承受啊。怎么 : 我觉得有点TOO GOOD TO BE TRUE...学习去了。
s*z
151 楼
"家庭经济状况差一些的孩子上大学或者上好大学的比例本来就少很多" 这话一出,没有人敢冒这个险了吧。
【在 l*******m 的大作中提到】 : 没有什么too good to be true的。想一想: : 如果你的家庭人均收入常年都是低于人均2万,这样生活十几年,二十年,你家里的总 : 资产是一个什么状况? 别人的家庭人均有4,5万,去除不可再转为现金的开销(吃饭 : ,汽油,水电费...)积累下来,总资产又是什么状况? 不管东西岸还是大农村,谁有 : 钱谁没钱,最终比得难道不还是总资产么? 这样20年算下来,总资产差距一两百万是 : 很有可能的吧? 那现在孩子们要上大学了,A家的总资产有40万,目前家庭收入有8- : 10万养5个人,B家的总资产有140万,目前家庭收入20-25万养4个人,A家的孩子拿补 : 助上学,没有too good to be true吧? 更何况,家庭经济状况差一些的孩子上大学或 : 者上好大学的比例本来就少很多,学校鼓励一下经济支持一下,从人情上,也不难理解 : 吧?
According to the following article: http://financiallyfit.yahoo.com/finance/article-111721-7948-3-5 3. For adults and young people seeking higher education in 2011, chose a school whose costs keep you out of debt. Students don't realize that, when they take a government or private loan, they're potentially selling themselves into financial slavery. If you lose your job, or don't earn enough to repay your student debts on time, late fees and interest charges mount fast. Delayed-payment plans only add to your debt. You can't escape an unpayable student loan by declaring bankruptcy. You'll carry it, and a wrecked credit history, all your life. The same thing can happen to friends and relatives who co-sign student loans. No college or trade school is worth this risk. Choose a community college or a four-year school that will cover most of your costs. Schools - including famous ones - that turn a blind eye to the burden of loans should be taken out and shot.