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Hey everyone, today on Help Desk, we’re talking about good ways to help pick student loans that are the right fit for you. With me to help us to do that, Stacy Francis and Lynnette Khalfani-Cox. Well, let’s take a listen to this question.
大家好，欢迎来到今天的帮助台。今天我们将要讨论一些能够帮助学生挑选适合自己贷款的方法。与我一起完成这一任务的，有 Stacy Francis 和 Lynnette Khalfani-Cox先生。现在，我们来听一听这个问题？
What's the best way to choose my student loans?
选择学生贷款的最好方法是什么？
So consider who that's coming from, pretty young guy, may be just going into college or in college. You know, he's probably looking at, you know, federal loans versus private.
我们得考虑这些可能正要上大学或已在大家的年青人们来自于哪里。你知道，他可能自已正在考虑这些因素，联邦贷款和私人贷款的不同。
Right. And beyond the shadow of doubt, he should absolutely look at federal loans first before he even thinks about private student loans. The reason is that federal student loans have lower interest rates, 3.4% right now for the Stafford Loan. They have loan forgiveness options, they have better deferment and forbearance options as well. So, anybody would tell you that you really should go to the federal loan market first. The problem is that a lot of students and their families, they’re behind the eight balls, so to speak, they fill out application there, they get accepted to the college of their choice, they just think I wanna be able to pay for school and they'll just go for private loan immediately.
是的。 毫无疑问，在考虑私人学生贷款之前，绝对应当首先考虑联邦贷款。原因是联邦学生贷款的利率较低，斯坦福大学的贷款利率目前为3.4% 。联邦贷款拥有贷款宽恕选项，以及更优惠的延期和延缓还款选项。因此，许多机构会告诉你，你首先应当去联邦贷款市场。问题在于许多学生和他们的家庭，他们处于不利地位，也就是说，他们只填手头有的表格，接受他们所能选择的大学的贷款条件。他们仅仅认为，我（家长）能够付得起学费，他们（孩子们）很快就有能力还款。
Yeah.
是的。You really should not do that.
其实，真的不应该这么做。
One of the things I would add my tongue. Look at work-study program as well. I actually did that and at work while I was studying at college. And it helps pay for a good amount of my tuition and also gave me some extra money too. So there're other ways you can think about that, looking at you know other grants in financial. It's amazing the number of grants and opportunities out there. They go on fulfilled that free money sitting there. So loan is not the first thought that should be the last resort.
我可以用其中一件事情补充我的看法。也可以利用工作+学习的方法。当我在大学学习的时候，我就边读书打工，它帮我支付了相当大一部分学费，而且还让我有余钱可花。还有一些你可以想到的其他办法，比如寻找其他金融助学金之类的。助学金的金额和机会可能会让你大吃一惊。学生一边完成学业，一边享受免费的助学金。因此，贷款应该不是优先选择的，而是万不得已的办法。
Very good point. Look at when you're going to school to look at any instant options that are good all states think that is a propensity.
非常好的主意。当你要上大学时，除了所有州所倾向性的作法，想一想其他的选择。
That’s right.
是这样的。
We have really good schools. Thank you both. If you got a question you want our experts to tackle, just upload a 30-second video with your helpdesk question at iReport.com.
我们有许多非常好的学校。谢谢二位。如果你们有问题想让我们的专家帮助解决，请在iReport.com上传30秒的关于你的问题的视频。
