第一年财务规划计算器

步骤1 -完成2024-25年度FAFSA

• 如果你已经完成了24-25年的FAFSA，谢谢! 进入第二步
• If you have not completed the 24-25 FAFSA, check out this website for more info:
  • http://www.sunsethomemanagement.com/admission-and-aid/tuition-and-financial-aid/fafsa-simplification/
• 如果你不打算提交24-25年的FAFSA, we kindly ask that you please reconsider and check out the reasons you should, here.

Step 2 -确定你一年/学期的净成本

• 2024-25年度综合经济援助录取通知书, admitted students with a completed 24-25 FAFSA will be sent in late March 2024 due to colleges and universities delayed receipt of student FAFSA data resulting from the U.S. 教育部’s implementation of the FAFSA简化 Act.
• The first student account e-statement for the 2024–25 academic year will be emailed to all enrolled students 2024年7月8日那一周.

下载电子表格计算自付费用

*请注意 this tool should be used to estimate your costs for the upcoming year as it
反映了食宿的标准费用. 请浏览 http://susqu.campusdish.com/ for additional dining choices/costs and the 学费和杂费 website under the “Special Fees” tab for single, 多个房间, etc. pricing.

Step 3 – Review Payment Plan Options for Remaining Balance or a Portion of the Balance

Utilizing a monthly payment plan each semester is optional but recommended as it’s a good way to minimize student loan debt – especially when you can spread those payments over several months (6, 5, 4, 或3个月).

Pro Tip: 确定你每月可以支付的金额，并利用付款计划. This will decrease the amount you may consider borrowing through a parent or private student/parent loan.

请访问 http://mycollegepaymentplan.com/susquehanna/ 有关更多信息，请参阅 April 2024. 该计划的唯一费用是每学期50美元的注册费.

Students & their authorized users can set up a payment plan by following these steps:

• Go to myNest 然后选择“My AID” & 学生账户”
• 点击“我的付款” & Billing”; and
• Click “Proceed to Processor”; and
• 点击“设置付款计划”.”

Set up an Authorized User Account for Parents/Supporters (where applicable). 登录Campus Commerce后:

• 点击“我的个人资料”
• 管理付款人，点击“添加”按钮;
• 填妥表格后，按“保存”;
• Authorized User will receive an email with instructions on finalizing their account setup.

Step 4 :考虑为父母申请联邦直接+贷款

The federal government offers a loan program for parents of dependent students to borrow for educational expenses. 通过这个项目, a biological or adoptive parent or stepparent may borrow up to the cost for the year less other financial aid the student has received. The PLUS Loan offers a fixed interest rate and tax-deductibility of interest at most income levels.

The Direct Parent PLUS Loan interest rate for 2023-2024 academic year rate is 8.05%. The 2024-25 interest rates will be available no later than July 2024. The U.S. 教育部收费 4.228%的发起费. 例如，如果你想借1万美元，记住4.美国政府将扣留228%的贷款.S. 教育部. To determine the actual amount of the loan to borrow including the fee, 将你需要支付的年度费用除以0.95772. Keep in mind “max” loan requests are not accepted, please specify an amount for your loan.

• 我如何获得2024-2025年直系家长PLUS贷款?
  首次贷款借款人 你能通过拜访获得贷款吗 studentaid.gov in April 2024. 本网站将允许您输入您的信息, 申请贷款金额, 并启动信用检查. You will also be required to complete a Master Promissory Note (MPN). NOTE: Your process will not be complete until both the application and MPN are submitted. 一步一步的指导 here. A parent will be instructed to complete PLUS Credit Counseling if credit is denied and subsequently the decision is appealed, 或者添加一个背书人.

第五步:高等教育的私人学生贷款选择

Private loans are an option for families who need to borrow for their educational investment. Susquehanna recommends that you exhaust federal student borrowing options first. However, for families who wish to consider alternative, private loans, please visit our SU website www.sunsethomemanagement.com/privateloans 查看当前信息. Susquehanna strongly recommends that you compare private loans with federal loan options before coming to a financing decision.

Final Reminders from SFS Regarding Your Investment in Higher Education :

• 监控你的学生账户: Billing at Susquehanna is done electronically through our Student Account Portal. 秋季票据将在 myNest的学生帐户门户网站 2024年7月8日那一周. You and your authorized user(s) will receive an e-statement notification via your SU email and the authorized user’s email on file highlighting the availability of the fall 2024 statement. We kindly ask that payment arrangements for the 2024-25 academic year be in place be in place by August 1, 2024.
• 用学费保险保护你的投资: 如果生命发生, please consider tuition protection insurance through Allianz’s Grad Guard Tuition Insurance. Susquehanna’s refund policy and tuition insurance details can be found at sunsethomemanagement.com/refundpolicy. 取决于购买的保险范围, the optional insurance provides coverage up to 100% of any funds paid by you for tuition, room, meal plan, health fee, and student activity fee for the semester that the student is unable to complete due to medical reasons. Students and families will also have an opportunity to review the refund policy and purchase insurance when entering the student account portal.
• 监控你的联邦贷款借款通过 studentaid.gov: We encourage students and families to track their student loans by using the US 教育部’s “管理贷款” website. Students will need to utilize their FSA ID and password (same as their FAFSA) to login into the site to review their Aid Summary.