Manage Expenses & Make the Most Out of Your Finances 一道本不卡免费高清Affording college can be challenging. Overcome any challenges you may face and develop habits that will help your money go further by using the tips and resources below. Money MattersStudentLifeStudentLoansCreditFunStuff College students typically make little or no money. Consequently, through student loans and credit cards they begin the process of getting into debt. Even adult students who are working and going to school have to deal with the added expenses associated with a college education.We want to connect you with tools that can help you plan for and manage college expenses. Two comprehensive financial literacy sites are below. Start here for a valuable overview, and then visit the tabs above for resources specific to financial planning, student loans, credit and “fun stuff."一道本不卡免费高清Cash course is a one-stop, comprehensive online resource from the National Endowment for Financial Education that offers unbiased content geared to the needs of students. Visit the .MyMoney.gov is the U.S. government's website dedicated to teaching all Americans the basics about financial education. Whether you are buying a home, balancing your checkbook, or investing in your 401(k), the resources on MyMoney.gov can help you maximize your financial decisions. Visit the .一道本不卡免费高清 - a customized online financial education platform using videos, articles, webinars, quizzes, online communities, live chats, and more to give you an individualized experience in financial and debt education. Despite the fact that most students arrive on campus with iPods, cellphones and laptops, life as a student can be tough and money has to stretch. Some students may be struggling with day care or lack of family support. When your primary or secondary “job” is going to school, you generally encounter financial pressures.Some students may be able to borrow government loans that provide them with a cushion for living expenses. Rather than accepting the entire loan amount offered, students might want to reexamine their spending habits and limit their debt.Below are some sites that can provide insight regarding your attitude toward money along with tools to help you save while in school. - From Education Cents, a course on discovering your thoughts, feelings and behavior surrounding money. Scholarships - Regis University scholarship page, with scholarship search tools and links. - Online calculator from Mapping Your Future that will automatically calculate your discretionary income. - Offers tools and advice for all aspects of your finances from College Invest. - Specific advice if you find yourself spending more than you have. - Budget worksheet for college students. 12-Step Guide to Financial Success - From Mapping Your Future, the perfect guide to success, particularly once you graduate. Planning For Your Education - Regis College- Costs and budget figures with advice specific to Regis College students. Planning For Your Education - Nontraditional Students - Costs and budget figures with advice specific to the nontraditional Regis student. Great advice, particularly for parents, from Kiplinger Magazine. - Detailed information on tax benefits for higher education. Regis University students can now rent textbooks instead of purchasing them. To rent textbooks: Go to . Click Books>Textbooks and Course Materials. Once you have found the books for your course, you will be given the option to rent. To rent textbooks, all students must register. Fall semester textbooks will be available to purchase and rent online in mid-July.一道本不卡免费高清For more information, visit the or contact the bookstore directly. 一道本不卡免费高清Many students need loans to get through college. But students have several choices about which loans to take. Some loans will not charge you interest until you are out of school and enter repayment; others charge interest from the first day the loan is disbursed, which you may pay as you go or let accrue until you enter repayment.一道本不卡免费高清Let's assume you have a $20,000 subsidized loan. If you pay an extra $25 a month, you will cut 1.3 years off of the 10-year repayment term and save $675.89 in interest over the life of the loan. If you pay an extra $50 a month, you will cut 2.3 years off of the 10-year repayment term and save $1,185.02 in interest over the life of the loan.一道本不卡免费高清Many private banks offer student loans but they are typically more costly than federal loans. The smartest thing to do when planning on using student loans is research. Here are some links to help you get started. -Understand which student loans you qualify for, who will give them to you, and how to get them. - Find out how much you can afford to borrow in student loans. - A new interactive loan counseling tool. Sign in using your PIN and click Financial Awareness Counseling Tool. - All your options, including extended payment, graduated payment and income-based payment. - Loan reduction or cancellation as a result of volunteer or military service, teaching, community service and others. Student loans do not have prepayment penalties. If you wish, you can make an extra payment to principle each month to accelerate repayment of the debt.一道本不卡免费高清If you pay an extra $100 a month, you will cut 3.8 years off of the 10-year repayment term and save $1,901.57 in interest over the life of the loan. *. Since your credit is defined by how you’ve paid (or not paid) your bills in the past, many businesses – landlords, mortgage lenders, utility providers and even employers – use your credit to predict your future financial responsibility. Anytime you need to borrow money, or even services, your credit is called into question. This is why maintaining good credit is so important. - From CNN Money.com, this site includes "Top Things to Know About Different Kinds of Debt," "The Difference Between Good and Bad Debt," and more. - Practical advice for getting out of credit card debt with a calculator telling you how long it will take. - Information from American Student Assistance on ensuring financial fitness, including links to consumer reporting agencies. 一道本不卡免费高清 - Credit card debt calculator that can calculate how much your monthly payments will be with a desired end date.一道本不卡免费高清 - Tutorials, iPhone apps, videos, FICO score estimator and more.一道本不卡免费高清 - Information on fees, interest rates, consumer protections, gift cards and more.一道本不卡免费高清If you do get into trouble or are not able to keep up, consider contacting consumer credit counselors at your financial institution or nonprofit organizations. - From Entrepreneur Magazine, advice on negotiating with collection agencies and credit card companies, excerpted from "The Complete Book of Dirty Little Secrets: Money-Saving Strategies the Credit Bureaus Won't Tell You" by Jason R. Rich. - A debt management plan from the National Foundation for Credit Counseling. - A nonprofit consumer credit counseling service.一道本不卡免费高清Let's assume you have a credit card and have accumulated $2500 in debt. Interest rates can range from 14 percent to 30 percent. Paying only the minimum payment can greatly extend the payoff date and amount. For example: Credit Card Debt: $2,500 Interest Rate 17 percent 一道本不卡免费高清Minimum Payment $50 Total Payoff: $6,608 Assuming you add not one penny to this debt, never charging another dime, it will take you 19 years, 7 months to pay it off.* So, if you're 21 now, it will not be paid off until you're 40.* Play games, test your skills and choose your own path.