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助学金对比:部分 3

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we're here with Karen Cooper director of financial aid at Stanford University and Karen once again thank you so much for being here with us happy to be here so now what we're looking at is three different universities and what we've done is we've taken the time to comb through the financial aid letters that each of them gave us and put it in a form that is consistent so that we can actually compare them sounds great um and you know we have the estimated cost of attendance here tuition room board all that we have subtracting out grants and scholarships and that's giving us the net cost so just taking a look at this top part of our financial aid comparison what are the big things that jump out at you so the first thing I would look at is this net cost calculation so clearly these three we've got three very different situations here $10,000 at school a $15,000 at school B and $7,000 in that cost at school C which is really interesting so you've got three very different options here available to you and then I would look at well how did how did we get here and interestingly enough the cost of attendance at these three institutions it's actually the most expensive institution at $60,000 that has the lowest net cost which wouldn't be what you would always assume from the beginning which is why I think it's good to do this exercise absolutely and and the net costs if I'm remembering correctly are actually what your family is going to owe that's responsible so in in one way or another you're responsible for that amount the schools may be offering you some help to meet that amount through work-study or loans for example but it's gonna come out of your pocket either now or later okay so what you're saying then is because of the really pretty drastically different scholarship amounts between University a university B and universities see the actually the net cost that we're paying actually is very very different from the estimated cost of attendance that we began with that's right great so then once we have that net cost you know what we're gonna either now or down the roads but through work-study through loans do my family contributing you know I look below at some of the different ways that they're suggesting that I cover those now and I see that they're pretty different let me start with University C because they were the one that had the lowest net cost but interestingly they have some of the highest family contribution so the highest amount they're actually suggesting that my family pay you know earlier rather than the work-study or through loans so do do people typically get family contributions that are different from different schools it's highly possible for that to happen even when you've submitted the same information to each school so it really has to do with the school's own institutional policies for how they award their institutional aid so they're going to look at that information that you've provided differently so yes it does happen to students all the time and what I suggest if you've got dramatically different family contributions at need-based institutions schools that are offering need-based aid I might go back in question the one that is expecting more of my family to just make sure that they considered everything that was in my application okay and in this case I mean my gut reaction is based on financial aid package alone universities see in the you know big picture net cost that's is asking the least and so financial aid wise it's the one I want to you know lean towards but then I look down and say well maybe my family can only cover $5,000 so if I go back University C they may be able to adjust offer some work-study or at a minimum perhaps package some of these Stafford loans so that I can take a look that's right I I would go in and talk to University C or at least give them a call and say do you have work-study available is that something that I could sign up for and what about loans so the federal loan programs all students are going to be eligible for a minimum as long as you're eligible for federal aid you're eligible for a minimum of $5,500 in the Stafford loan program might be subsidized might be unsubsidized but a minimum of $5,500 so you know you're gonna have at least that amount to help you with that family contribution okay so they could definitely add that in here that's why I wanted that can move this Family Contribution down that's right below either so so it looks like you know University C is a very generous package I would say so but we know that not every university is going to be able to offer a package like this not every student is going to get a package like this so why don't we move between university and university be sure and kind of compare those to each other so I look down at the family contribution which to me and in some way sort of again gut reaction isn't the most important thing I don't think that's what you use that net cost look at that first but I see family contribution five thousand five thousand and I say well that's how much my family has to pay now so walk me through why these aren't equal if they're truly not right well what I want you to look at is the difference between the work-study that's being offered and the loans that are being offered so at school B they are asking for $4,500 in in work-study during the year that is significantly more than what school a is asking the student to work now that might be due to a couple of different factors maybe at school be the minimum wage they pay their students on campus is significantly higher so the questions to the financial aid office would be how many hours a week do I have to work to earn that amount and I think that would be an important thing to understand and compare school a to school B to decide if that package really is comparable okay and I sort of similar on the loan front I mean that's right it's it's obvious that school B is asking you to borrow more money than school a is so in the long run although you're you don't have to pay that right now when you're in repayment after you've graduated from school hopefully you're gonna have more to pay back than you would at school a okay I think the point is when you look at the net cost there's a $5,000 difference between those two schools and it may come from different places it's for you to consider how how badly you want to be at that school yeah and whether or not you're willing to take on that level of indebtedness or work during the academic year great big picture any other things I need to be looking at when I'm comparing these three offers I think this is a really good way to compare looking first at that net costs it gives you a I think the cleanest picture of what your costs are going to be at that school great great Karen thank you so much thank you