日韩色综合-日韩色中色-日韩色在线-日韩色哟哟-国产ts在线视频-国产suv精品一区二区69

手機APP下載

您現在的位置: 首頁 > 英語聽力 > 國外媒體資訊 > 西部落 > 正文

美國原汁原味訪談錄:學費:大學生不能承受之重

編輯:echo ?  可可英語APP下載 |  可可官方微信:ikekenet
  


掃描二維碼進行跟讀打分訓練

Making Cents now. Out of paying off that college loan. There is a new study.

It says a growing number of students are ma, in a major hole from the minute they enter the real world because they are already, some of them, more than 100, 000 dollars in debt. With us now in Studio B is Greg McBride, he is the senior financial analyst for Bankrate. com. Now I guess there are two kinds of debts, good debt and bad debt. Where does this go?

Well, student loan debt is traditionally considered good debt, but the problem for many students and their families is that the cost of colleges has been going up at 6 to 8% a year, far faster than the income, far faster than the standard of living. That means debt's taking on a bigger and bigger role in financing education.

How much debt is too much debt for, for one student?

Well, one guideline is that you look at the first year's salary in your field after graduation, and use that as, as a barometer, but even then. . .

Is that right?

Well, you are talking big payments even in that instance, for example, 30, 000 dollars worth of debt. If you are gonna repay that over 10 years, you are talking more than 300 dollars a month at, in payments every month for 10 years.

There is more than one way to skin a cat and there is more than one way to get a loan for college. There are government programs. There are so many kinds of grants. What's, what's the best advice for people who are looking for these loans to try to keep themselves from going under.

I understand that loans are just one piece of the bigger college financing puzzle. Take advantage of the, other opportunities. Things like a 529 college savings plan, let, let you save on a tax advantage basis.

Now, that's an interesting thing that we've talked about here before. It's state by state, different rules state by state, is that right?

Well, the, the rules are varied from state to state. You are generally, whether or not you are getting an instate tax break, but every state offers them. You don't have to invest in your state's plan.

And you do get a federal tax break?

You do get it as under current rules you get to withdraw that money free of tax at the other end.

And, now there are, there are limits per year and a maximum overall but you can get up to 100, 000 dollars tax-free save, right?

Eh, essentially, yes. I mean you can actually put, put away, er, you know, the generally account limits were limited at about 320, 000 dollars. So, I mean you can really put money away in these accounts and withdraw tax-free to pay for that educated. . .

You're putting a couple hundred bucks away if you're especially talking about a brand new kid. I mean that'll save your butt later on.

It's important to start early and that really reduces that reliance on debt later. Another thing, leave no stone unturned, looking at grants, scholarships, even on-campus jobs. I mean every dollar you get that way is seen as another dollar you don't have to borrow later.

The kinds of jobs that so many students, fresh off students, like to go into, er, charity stuff, volunteer work. This debt is eliminating a lot of that, isn't it?

I think that's the social cost, Chaper. Really, I mean , you know, when you consider that, you know, people may pass up a rewarding career in charitable work, or non--profit organization because they have to get a higher salary someplace else to pay off that debt. You know another I think, is they may dismiss the idea of going back to graduate school later, because they are afraid to incur still more debt.

Yeah, who wouldn't be. . Greg McBride, senior financial analyst at Bankrate. com. Greg, good you could be here.

Thank you.

重點單詞   查看全部解釋    
charity ['tʃæriti]

想一想再看

n. 慈善,慈善機關(團體), 仁慈,寬厚

聯想記憶
senior ['si:njə]

想一想再看

adj. 年長的,高級的,資深的,地位較高的

聯想記憶
financing [fai'nænsiŋ]

想一想再看

n. 融資,資金供應 動詞finance的現在分詞

 
understand [.ʌndə'stænd]

想一想再看

vt. 理解,懂,聽說,獲悉,將 ... 理解為,認為<

 
current ['kʌrənt]

想一想再看

n. (水、氣、電)流,趨勢
adj. 流通的

聯想記憶
advantage [əd'vɑ:ntidʒ]

想一想再看

n. 優勢,有利條件
vt. 有利于

聯想記憶
loan [ləun]

想一想再看

n. 貸款,借出,債權人
v. 借,供應貨款,

 
charitable ['tʃæritəbl]

想一想再看

adj. 仁慈的,(為)慈善事業的,寬恕的

 
varied ['vɛərid]

想一想再看

adj. 各種各樣的 動詞vary的過去式和過去分詞

 
withdraw [wið'drɔ:]

想一想再看

vt. 撤回,取回,撤退
vi. 退回,撤退,

聯想記憶
?
發布評論我來說2句

    最新文章

    可可英語官方微信(微信號:ikekenet)

    每天向大家推送短小精悍的英語學習資料.

    添加方式1.掃描上方可可官方微信二維碼。
    添加方式2.搜索微信號ikekenet添加即可。
    主站蜘蛛池模板: 音乐会电视剧免费观看完整版| 肖红| 搜狐手机网首页新闻| cctv6 节目表| 湖北经视频道| 八年级上册英语课文| 泰坦尼克号电影完整版在线观看| 成人在线| 色戒在线观看汤唯| 禁忌的恋爱关系一部| 冲出堕落城完整高清版| 演员王磊| 恋人电影| 胡渭康| 陈宝莲徐锦江夜半2普通话| 即便如此我依然爱着我的老婆| 张静初吴彦祖演的门徒| 胎心监护多少周开始做| 红灯区免费看| 雪豹46集全| 包公大战潘金莲| 宝力龟龟| 追捕演员表名单| 爱一个人好难吉他谱| 迈克尔·j·福克斯| 康瑞德家的男孩| 潘馨| 蒋锐| 疯狂 电影| 《非常案件》电视剧| 地理填充图册| 儿媳妇电视剧在线观看| 谍之心| 那些年简谱| 全国面积排名省份| 聊斋艳谭之荷花三娘子| 普庵咒全文注音版| 权志龙壁纸| 山西影视频道| 《爱你》演员表| 最可爱的人 电影|