The key to financial preparation for a 留学项目 is to start planning as soon as possible and understand the costs involved. Students will work with the 出国留学 Coordinator to budget expenses based on their specific 留学项目.
The following budget planning table is 一个例子 to help guide students through the various possible costs of studying abroad and to provide students with a better understanding of the various types of expenses that one might incur while participating in a 留学项目.
| 需要考虑的费用: | 成本 | |
|---|---|---|
| 项目成本: | 出国留学 participation fee | $400 |
| Program application cost* (programs vary) | ||
| 学杂费 | ||
| 书籍及用品 | ||
| 旅游: | ||
| 机票 | ||
| Transportation to and from airport (if not included in program cost) | ||
| 公共交通 | ||
| 签证旅行证件 | ||
| 保险 | ||
| Entrance and department fee (if required by country) | ||
| 住房: | ||
| 按金(如需要) | ||
| 住房成本 | ||
| 宿舍 | ||
| 公寓 | ||
| 家庭寄宿 | ||
| 公用事业(如果不包括在内) | ||
| 互联网(如不包括) | ||
| 食物: | ||
| 膳食计划(如适用) | ||
| 食品杂货 | ||
| 餐厅 | ||
| 个人: | ||
| 手机 | ||
| 洗衣(如不包括) | ||
| 交易费用 | ||
| 电汇/银行/ATM费用 | ||
| Optional excursions/ independent travel | ||
| 纪念品 | ||
| 紧急现金 | ||
| 其他 | ||
| 总计 估计 成本 | ||
The table above is only a tool used to estimate expected costs. Actual costs will vary from program to program. Meet with your 出国留学 Program Coordinator to determine individual costs and prepare a budget planning sheet.
预算时间表
出发前12 - 6个月
- Students should be saving and applying for funds such as scholarships and FAFSA.
- Meeting with a 出国留学 Advisor is important so that we can get you on the right track.
出发前9 - 4个月
- Select a suitable 留学项目 that fits your budget constraints.
出发前7 - 3个月
- Apply for the program that interests you.
- Apply for a passport if you don’t already have one.
出发前3个月
- After the acceptance to the chosen program, pay for out of pocket expenses such as health insurance, 免疫接种和费用.
- Complete and submit all forms to the Office of International Academic Initiatives.
1 month before departure – This is the final stage of financial planning preparation
- Make sure all payments and paperwork are submitted.
- Have a credit card and cash saved for extra expenses.
第一天出国上课
- Plan out expenses for food, transportation and personal items.
- Have cash available in your account for withdrawals as needed.
低成本的项目
There are a few factors to consider when looking for a 低成本 留学项目.
- 一般来说, 交流项目 (in which you pay 十大博彩推荐排名州立 tuition and fees) are less expensive than affiliated programs (ISA, 东航, 等.)
- 短期的计划 may be less expensive than semester or year-long programs, though this isn’t always the case. A summer semester tuition may replace courses during a fall or spring semester if well planned.
- 生活费用 also varies from country to country. The cost of living expenses include food, housing, transportation, and other incidentals. There are websites that can be used to explore the cost of living difference. 一般来说, Western Europe and Australia are usually more expensive than Latin America, 亚洲, the Middle East and Eastern/Central Europe.
- 美元的价值.S. dollar compared to other currencies changes regularly, so it is important to consider the exchange rate and purchasing power parity before choosing a location to study abroad.
- ISA has a list of affordable programs. 要查看它们，请访问他们的 程序搜索页面 and then click on “Affordable Programs.”
在国外时-一般提示
- 和你的大学核实一下。.S. bank before going abroad to find out if they have a partnership with any banks abroad, which could help you with your international transaction fees.
- 如果你打算使用自动取款机, try to take out enough money to last you for a while in order to avoid racking up withdrawal fees. Of course, be sure to safely stash away large sums of money in a safe or other secure area.
- Emergency money: While it’s important to have an outline of expected costs abroad and money allotted for such expenses, it is also important to have extra money available for emergencies.
- Consider getting a credit card that doesn’t charge foreign transaction fees.
- Revisit your budget while you’re abroad. Determine if you have stayed on track or will need to make adjustments to your budget going forward.
- Make sure to notify your bank and/or credit card company that you will be accessing money abroad so as not to set off a fraud alert.
Note: The Office of International Academic Initiatives often hosts special information sessions on budgeting and planning each semester. 检查日历 对于即将到来的会议.