Cov nyiaj qiv rau tub ntxhais kawm muab kev pab nyiaj txiag xav tau rau cov neeg uas xav mus kawm ntawv qib siab tab sis tsis muaj peev xwm them taus. Ntau lub tsev kawm qib siab thiab tsev kawm qib siab muaj ntau yam kev xaiv qiv nyiaj rau tub ntxhais kawm. Cov ntaub ntawv hauv kab lus no yuav pab tib neeg thaum txiav txim siab tseem ceeb txog qhov twg mus kawm ntawv thiab yuav them li cas rau nws.
Xaiv lub Tsev Kawm Qib Siab Ua tib zoo. Muaj peb hom tsev kawm qib siab thiab tsev kawm qib siab xaiv los ntawm:
- Cov tsev kawm qib siab pej xeem thiab tsev kawm qib siab (xws li Cuyahoga Community College, Cleveland State University).
- Cov tsev kawm ntawv qib siab thiab cov tsev kawm tsis muaj txiaj ntsig (xws li Baldwin Wallace University).
- Cov tsev kawm ntawv tau txais txiaj ntsig lossis "tus tswv" (xws li Bryant & Stratton College).
Feem ntau, Ohio cov tsev kawm ntawv pej xeem muaj cov nqi kawm pheej yig tshaj rau cov neeg nyob hauv Ohio. Piv txwv li, ib semester nqi kawm ntawv ntawm Tri-C nyob rau hauv ib tug associate degree program nqi tsawg li $1,500,[1] thiab ib semester nqi kawm ntawv ntawm Cleveland State University nyob rau hauv ib tug bachelor's degree program nqi txog $6,250.[2] Hauv qhov sib piv, ib lub semester nqi kawm online rau Bryant & Stratton College hauv kev kawm qib siab tus nqi ntau npaum li $ 16,000.[3]
Xaiv qhov qiv nyiaj kom zoo: Muaj ob hom kev qiv nyiaj tub ntxhais kawm: tsoom fwv teb chaws thiab private. Tsoom fwv teb chaws qiv nyiaj yog tswj hwm thiab muab los ntawm US Department of Education, uas teev cov ntsiab lus thiab txwv cov paj laum. Cov qiv nyiaj ntiag tug yog los ntawm cov qiv nyiaj ntiag tug uas tsim lawv tus kheej cov nqe lus thiab cov paj laum. Ua ntej kos npe rau ib daim ntawv cog lus qiv, sib piv cov nyiaj qiv los ntawm cov qiv nyiaj sib txawv vim tias qee qhov qiv nyiaj kim dua lwm tus. Txhua zaus nug tus qiv nyiaj cov lus nug hauv qab no:
- Koj qiv nyiaj npaum li cas rau kuv?
- Tus paj laum yog dab tsi?
- Thaum twg cov paj laum yuav pib "accrue" (tsim)?
- Thaum twg kuv yuav tsum pib them cov nyiaj qiv rov qab?
- Kuv cov nyiaj hli yuav ntau npaum li cas?
- Cov phiaj xwm them rov qab zoo li cas rau cov nyiaj qiv no?
- Yuav ua li cas yog tias kuv tsis tuaj yeem them cov nyiaj qiv?
Ib qho zoo ntawm tsoom fwv teb chaws Cov tub ntxhais kawm qiv yog qhov kev xaiv rau cov nyiaj tau los them rov qab (IBR) cov phiaj xwm rau cov neeg qiv nyiaj uas muaj teeb meem nyiaj txiag. Raws li IBR cov phiaj xwm, cov nyiaj them txhua hli raug txwv raws li tus neeg qiv nyiaj tau los. Tom qab qee lub sijhawm ntawm kev them nyiaj raws li IBR txoj kev npaj, cov neeg qiv nyiaj kuj tuaj yeem tsim nyog tau txais kev zam txim qiv nyiaj.
Nco ntsoov, cov tub ntxhais kawm qiv yuav tsum raug them rov qab, txawm tias tus menyuam kawm ntawv tsis tiav, nrhiav tsis tau haujlwm, lossis tsis txaus siab rau lub tsev kawm ntawv. Cov tub ntxhais kawm qiv yog tsis txiav tawm nyob rau hauv bankruptcy.
Yog xav paub ntxiv txog cov tub ntxhais kawm qiv nyiaj, mus saib US Department of Education lub vev xaib, www.ed.gov. Lwm lub vev xaib pab tau yog www.studentloanborrowerassistance.org, uas los ntawm National Consumer Law Center.
Yog tias koj muaj teeb meem nrog tsoomfwv cov tub ntxhais kawm qiv, hu rau Federal Student Aid Ombudsman Group. Yog tias koj muaj teeb meem nrog cov tub ntxhais kawm qiv nyiaj, hu rau Consumer Financial Protection Bureau's Private Student Loan Ombudsman ntawm www.consumerfinance.gov/complaint (nias rau ntawm "Student Loan").
TSEEM CEEB: Tsis txhob Scholarship Scams! Ntau lub tsev kawm qib siab thiab tsev kawm qib siab tau txwv cov nyiaj pub dawb, lossis cov nyiaj uas tsis tas yuav them rov qab. Nrhiav kom paub yuav ua li cas thiaj thov tau nyiaj pab kawm ntawv ntawm lub tsev kawm ntawv lub vev xaib lossis hu rau lub chaw pabcuam nyiaj txiag.
Ceevfaj! Qee lub tuam txhab thov kom muab "scholarships," tab sis lawv yeej sim nyiag koj cov nyiaj ntsuab, credit card naj npawb, lossis tus lej nyiaj hauv tuam txhab nyiaj. Txoj kev tiv thaiv koj tus kheej yog:
- tsis txhob muab koj daim npav rho nyiaj lossis tus lej nyiaj hauv tuam txhab rau "tuav" nyiaj pabcuam"" qhov no yog kev dag ntxias! tsis nug rau credit card lossis bank account naj npawb.
- Cov nyiaj pabcuam tiag tiag yog dawb. Yog tias koj yuav tsum them nyiaj los thov, cov nyiaj pabcuam yog kev dag ntxias.
- Yog tias ib tug neeg hu thiab hais tias koj tau "xaiv" rau cov nyiaj pabcuam, tab sis koj tsis tau thov nyiaj pabcuam, qhov no yog kev dag ntxias! Tuav lub xov tooj thiab tsis txhob muab cov ntaub ntawv nyiaj txiag ntawm tus kheej.
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[1] Cuyahoga Community College, Tuition & Payment Schedule rau 2022-2023 Academic Year, muaj nyob ntawm http://www.tri-c.edu/payingforcollege/Pages/TuitionPaymentSchedule.aspx. Tus nqi yog kwv yees li $ 124.54 ib teev credit rau cov neeg nyob hauv Cuyahoga County thiab txog $ 154.08 ib teev credit rau lwm cov neeg nyob hauv Ohio.
[2] Cleveland State University, Tuition and Fees 2022-2023, muaj nyob ntawm https://www.csuohio.edu/sites/default/files/Undergraduate%20Fee%20Schedule.pdf
[3] Bryant & Stratton College, Net Nqe Tshuab xam zauv, muaj nyob ntawm https://www.bryantstratton.edu/financial-aid/net-price-calculator.
Cov ntaub ntawv no tau hloov kho thaum lub Plaub Hlis 2024.