聪明理财: During this session you’ll learn smart tips for managing your money while in school. You’ll gain confidence in your financial skills and the knowledge you need to create a budget and savings plan.
每月预算工作表: Use this worksheet to create a budget and check how you’re doing each month compared with your budget goal. The worksheet will total your numbers at the bottom so you can see if you need to make adjustments — like cutting expenses or boosting your income — to reach your goal.
信贷及银行业务
了解信贷了解信用是如何工作的，并尽早建立一个负责任的信用记录是建立一个强大的信用评分的必要条件。 本课程将回顾您的信用评分中考虑的五个主要因素，并讨论建立和管理信用的最佳实践。 You’ll learn more about FICO® Scores, credit cards, and credit reports. 了解信贷： FICO评分、贷款和财务健康提示
学生贷款利息: Learn about the components of loans - interest rate, principal amount, accrue, capitalization – and tips on how to manage your loans.
浮动利率vs固定利率利率是指借钱时收取的利率。 当你贷款时，你要连本带利偿还，所以你还的比你借的多。 固定利率通常比起始可变利率高一点。 However, with a fixed interest rate, you’ll have predictable monthly payments, which can make it easier to stick to a budget or plan for college. 另一方面，可变利率可以根据金融市场的变化而变化。 通常，浮动利率开始时比固定利率低，这有助于你为大学攒钱。 It is important to bear in mind that variable interest rates could go up or down due to an increase or decrease in the loan’s index. 观看Sallie Mae的这段视频，了解更多关于私人学生贷款的固定和可变利率的好处和考虑。 和你的私人学生贷款贷款人谈谈，这样你就能了解你的选择，并为你选择合适的。
累算利息计算器查看应计利息如何影响你的贷款余额。 Even if you’re not currently making loan payments, interest continues to accrue (grow). 为你的贷款多支付一点可能会降低你的总贷款成本。
大学生负责任的还款策略: It’s never too early to understand important considerations for managing your student loan debt. 本次重要会议将分享：
学生贷款支付金额估算器: When you’re considering taking out a student loan, or about to start paying off one, use this calculator to estimate what your monthly payment might be.
