評論
打印
Hey everyone, today on Help Desk, we’re talking about good ways to help pick student loans that are the right fit for you. With me to help us to do that, Stacy Francis and Lynnette Khalfani-Cox. Well, let’s take a listen to this question.
大家好，歡迎來到今天的幫助臺。今天我們將要討論一些能夠幫助學生挑選適合自己貸款的方法。與我一起完成這一任務的，有 Stacy Francis 和 Lynnette Khalfani-Cox先生。現在，我們來聽一聽這個問題？
What's the best way to choose my student loans?
選擇學生貸款的最好方法是什么？
So consider who that's coming from, pretty young guy, may be just going into college or in college. You know, he's probably looking at, you know, federal loans versus private.
我們得考慮這些可能正要上大學或已在大家的年青人們來自于哪里。你知道，他可能自已正在考慮這些因素，聯邦貸款和私人貸款的不同。
Right. And beyond the shadow of doubt, he should absolutely look at federal loans first before he even thinks about private student loans. The reason is that federal student loans have lower interest rates, 3.4% right now for the Stafford Loan. They have loan forgiveness options, they have better deferment and forbearance options as well. So, anybody would tell you that you really should go to the federal loan market first. The problem is that a lot of students and their families, they’re behind the eight balls, so to speak, they fill out application there, they get accepted to the college of their choice, they just think I wanna be able to pay for school and they'll just go for private loan immediately.
是的。 毫無疑問，在考慮私人學生貸款之前，絕對應當首先考慮聯邦貸款。原因是聯邦學生貸款的利率較低，斯坦福大學的貸款利率目前為3.4% 。聯邦貸款擁有貸款寬恕選項，以及更優惠的延期和延緩還款選項。因此，許多機構會告訴你，你首先應當去聯邦貸款市場。問題在于許多學生和他們的家庭，他們處于不利地位，也就是說，他們只填手頭有的表格，接受他們所能選擇的大學的貸款條件。他們僅僅認為，我（家長）能夠付得起學費，他們（孩子們）很快就有能力還款。
Yeah.
是的。You really should not do that.
其實，真的不應該這么做。
One of the things I would add my tongue. Look at work-study program as well. I actually did that and at work while I was studying at college. And it helps pay for a good amount of my tuition and also gave me some extra money too. So there're other ways you can think about that, looking at you know other grants in financial. It's amazing the number of grants and opportunities out there. They go on fulfilled that free money sitting there. So loan is not the first thought that should be the last resort.
我可以用其中一件事情補充我的看法。也可以利用工作+學習的方法。當我在大學學習的時候，我就邊讀書打工，它幫我支付了相當大一部分學費，而且還讓我有余錢可花。還有一些你可以想到的其他辦法，比如尋找其他金融助學金之類的。助學金的金額和機會可能會讓你大吃一驚。學生一邊完成學業，一邊享受免費的助學金。因此，貸款應該不是優先選擇的，而是萬不得已的辦法。
Very good point. Look at when you're going to school to look at any instant options that are good all states think that is a propensity.
非常好的主意。當你要上大學時，除了所有州所傾向性的作法，想一想其他的選擇。
That’s right.
是這樣的。
We have really good schools. Thank you both. If you got a question you want our experts to tackle, just upload a 30-second video with your helpdesk question at iReport.com.
我們有許多非常好的學校。謝謝二位。如果你們有問題想讓我們的專家幫助解決，請在iReport.com上傳30秒的關于你的問題的視頻。
