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Question:
I want to go to grm/wfl纪 sc/wo/ (研冗生院) ,but it seems really expensive. What's the best way to pay for it?
Answer:
Pick a school you know you can afford
A big part of your decision will depend on the graduate programs available to you. I had thousands of dollars in student loan debt freim being an w/2办rgradwafe (本科生) at New York University when I made the decision to go to graduate school for journalism. So I searched for a program that wouldn’t cost a lot. Looking back,I'm glad I chose to go to the City University of New York,a public school,because I graduated with almost no debt at all.
Exhaust scholarships and grants before you take out loans
You probably remember hearing this when you applied to college,but there's a huge number of scholarships available,some of which don't get a lot of applicants. Search for professional organizations focusing on the field you* re interested in,for example,and see if they offer graduate scholarships.
Borrow only the amount you need
When you* re accepted to graduate school,you 11 get a financial aid award letter,which will include federal and private loans to cover the cost that scholarships and grants won,t. But you don't need to take the full amount of loans your school offers you. Reduce the amount of loans you take on io the smallest by graduating on time,so you don't have to borrow additional money,and by paying the interest on your federal loans while you* re in school.
Pick the right student loan repayment strategy
When it's time to pay back your graduate school loans,there are lots of ways to make your monthly bills manageable. If you have federal loans,you can choose from six repayment plans,some of which tie your monthly payments to your income. If you don't earn enough to afford the 10-year standard repayment plan,you can pay up to 10% of your income on income-based repayment or the Pay As You Earn plan instead.
13. The author mentioned his experience mainly to show that it's important to .
A. go to a public school
B. choose a good university
C. graduate without any debt
D. pick an affordable graduate school
14. What does the underlined part “Exhaust scholarships and grants” in the text mean?
A. Use all scholarships and grants.
B. Apply for all scholarships and grants.
C. Leam.about all scholarships and grants.
D. Apply for the biggest scholarship or grant.
15. In the author's opinion,graduate school students should .
A. avoid some extra expense
B. cover all costs with scholarships
C. avoid getting too high loans
D. choose federal loans instead of private ones
16. What is mainly suggested in the last paragraph?
A. Finding a well-paid job.
B. Paying back your loans wisely.
C. Paying off your loans in ten years.
D. Refusing the Pay As You Earn plan.