The federal government offers subsidized loans based on the student’s financial need when applying for aid through the FAFSA. The key component of a subsidized student loan (and the biggest benefit) is that the U.S. Department of Education pays for any interest accrued while you are in school. To receive this benefit, you must be enrolled at least halftime. You’ll also get a six-month grace period after graduation, meaning that any interest that accrues during your college career and six months afterward, is completely paid for. When the grace period ends, though, you are required to make monthly payments of principal and interest.
Unfortunately, subsidized loans are only available to undergraduate students. You can also take advantage of this benefit if you choose to defer your student loans, however if you wish to put your loans in forbearance, interest will still accrue on a subsidized loans.
Unsubsidized Student Loans
Unsubsidized student loans, on the other hand, begin accruing interest from the date of your first loan disbursement, though you’re not required to pay that interest until you finish school. When you graduate, the amount of money that accrued during your education is simply added to the principal loan amount and you begin paying off that new amount.
One benefit to taking out an unsubsidized loan is that you are not required to demonstrate financial need so the amount you can take out is much higher than a subsidized student loan. Additionally, unsubsidized federal student loans are available for both undergraduate and graduate students.
儿子昨晚收到的州大Financial Aid package。下年的费用:学费１７Ｋ，房间和食物:１２Ｋ; 费用３Ｋ， 书本费１.２Ｋ...还有几个小项，总共３７Ｋ。
给了１Ｋ的政府补贴的贷款，还有１Ｋ政府没有补贴的贷款，还有父母co-sign的贷款１０Ｋ（估计利息是７-８％），其它就是我的了。儿子看了:爸爸，你还能有点discount吧。我说:有，就是学费的那个部分的一半。不看贷款部分，减掉discount, 剩余的和我在私立大学网站算出来的ＥＦＣ差不多啊。州立这是在赌我们没有私立的选择呢。。。
看了太太一眼:我这博士后工作还不能丢呢。不然这８Ｋ的discount也没有了。。。
昨晚和太太把压床垫下面的钱拿出来数了数，儿子第一年的开销差不多到位了。实在不行，还有儿子回家住一招。不过，不到万不得已，不用。
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🛋️ 沙发板凳
怎么融洽同子女的关系?
·不要监控孩子的电话，尊重其隐私权。
·对孩子的朋友要和蔼可亲，但不要同他们过于亲近。不要侵入他（她）的天地。
·不要在他人面前夸奖孩子，这样会使其尴尬。
·不要在他人面前批评或斥责孩子。如果必须要这样做的话，应该在无人的时候。
·母亲在他人面前要注意服饰。母亲的形象不整洁，孩子会感到羞耻。
·如果你的孩子参加学校的演出，他（她）在舞台上时你不要打手势，这样会令他（她）紧张，甚至出错。
·孩子和你一起坐自己家的车出门时，不要把汽车收音机调到你所喜爱的频道。让孩子挑选电台，但可要求他调低音量。
·在子女需要帮助时要给予帮助，但要注意方法。
·子女在一定的阶段就像需要食品一样需要爱抚，但是爱抚要适可而止，不要在公开场合这样做，更不要在朋友面前这样做。
·不要让你的孩子在外人面前表现他的“本事”，如朗诵、唱歌、跳舞或弹钢琴。如果你为他的本领自豪并希望让人家看到，那就对他提出请求。如果父母坚持让他们在外人面前表现本领，有的孩子会感觉自己像马戏团的猴子。
·不要向他的朋友和亲属讲他的怪癖，尤其不要当他的面前。任何孩子都不愿意别人知道自己的隐私。
·不要让他失去对你的信赖。他向你透露的秘密，你不要告诉别人。你一定要完全尊重他的意愿。
·在他面前不要说谎。他看到自己的父母说谎或弄虚作假，就会感觉不好。例如，父母在某人背后说坏话，而当面又装出热情的样子，孩子就会反感。
下页：父母教育是家庭教育成败的关键
其余20k不算多，要是去Boston上学学费以外20k肯定不够
你大富翁，晚点通知没事。。。
不像是在关心钱。祝贺娃长大了
Ｅ-mail啦。
估计也就这么多钱
哈哈，我读phd就这么做过，一片纸也没有买过，做TA的免费书还卖了赚钱
学校一时半会儿沒定下来个数，先恭喜了！
我们是上公校学费全免，孩子成绩在公校里算拔尖的，如果给奖学金，都是白赚的。上私校反差比较强烈
兄真是一个一丝不苟的好同志。当如此。你们一定会有更好的消息。
多转AP credits，每学期多修课，再早毕业1年半载（早工作1年半载），大学是免费的。还不说牛娃能挣到奖学金。
州立大学就是让州民上的起，否则就揭竿起义了。：）
这个是需要自己去申请waiver的。
https://www.crowdcrux.com/crowdfunding-sites-for-college-and-education-costs/
吃饭喝酒也要一万多。孩子暑期打打工就把剩下一万多付了。
你还是可以酒照喝，鱼继续钓。
应该认真考虑一下私校是真的。也许有更好的option。
按你的人品，5%拿下了：）
我保证给亲家送鱼。。。
要不是儿子的学费，我已经不在乎有没有工作了。。。餐馆打工都行。。。
像你们进藤的爽快付钱没商量。万一进了个UC 中下级的学校和外州稍好一点的州立， 那时你说选哪个? Hithere 不就是这样选择的吗?
leadership。
我不为儿子的学费，我也不能退休。。。
Subsidized Student Loans
The federal government offers subsidized loans based on the student’s financial need when applying for aid through the FAFSA. The key component of a subsidized student loan (and the biggest benefit) is that the U.S. Department of Education pays for any interest accrued while you are in school. To receive this benefit, you must be enrolled at least halftime. You’ll also get a six-month grace period after graduation, meaning that any interest that accrues during your college career and six months afterward, is completely paid for. When the grace period ends, though, you are required to make monthly payments of principal and interest.
Unfortunately, subsidized loans are only available to undergraduate students. You can also take advantage of this benefit if you choose to defer your student loans, however if you wish to put your loans in forbearance, interest will still accrue on a subsidized loans.
Unsubsidized Student Loans
Unsubsidized student loans, on the other hand, begin accruing interest from the date of your first loan disbursement, though you’re not required to pay that interest until you finish school. When you graduate, the amount of money that accrued during your education is simply added to the principal loan amount and you begin paying off that new amount.
One benefit to taking out an unsubsidized loan is that you are not required to demonstrate financial need so the amount you can take out is much higher than a subsidized student loan. Additionally, unsubsidized federal student loans are available for both undergraduate and graduate students.
不过，很多私校的折扣可能更高， 还没有学校限制。。。。
不是在紫檀更抬不起头了?
你看hithere现在都不敢来了