金钱与预算
资助你的留学经历
学费 & 费用
Students participating in SMC-Sponsored or Exchange Programs will pay tuition & 像往常一样向SMC收取费用. Students who currently use TMS Management 服务 Monthly Payment Plan can use the plan for SMC or Exchange study abroad program fees. The Fall and Spring invoices will disseminate by the Business Office in July and December respectively.
**Note fees are subject to change semester to semester
金融援助
Student Loans as well as 金融援助 awards (Federal, State and SMC) may be used to pay for SMC or Exchange study abroad programs fees. 金融援助 awards will be distributed based on the SMC academic calendar.
In addition to 金融援助 awards, there are a variety of scholarships available for study abroad. 我们列出了很多 留学奖学金 这可能会帮助你资助出国留学.
个人支出
Personal expenses are estimated to be between $2,500 to $5,500, 根据个人消费习惯. Students should take a realistic look at what they spend on campus in a semester and add expected expenditures for travel and leisure.
餐
餐费报销因项目而异. Program pages list if meals are included in the study abroad program fees. Students should review their program for specific details.
- 首页stays: programs with host families have breakfasts and dinners included Monday-Friday. Every day lunches and dinners are at the student’s own expense. In these instances, we recommend a budget of $80 per week.
- Apartments/Dorms: students will have access to a private or communal kitchen and will responsible for preparing their own meals. We recommend a budget of $200 per week on groceries.
教科书
Most students will be informed of the books they will need to purchase once they have access to their syllabi on the first day of class. 学生应该为课本预算480美元.
旅行费用
Some excursion fees may be included in the cost of the study abroad program. Students should, however, anticipate some out-of-pocket costs for excursions. Depending on the program, students should budget around $150 per semester for entrance fees.
自由行
学生们经常想去课外旅行. Program fees do not cover independent travel expenses. Students are responsible for independent travel, accommodation and meals. Depending on individual plans, around $2,000 per semester should be budgeted for personal travel.
你需要多少钱?
- 不仅要考虑项目的成本, 但费用不包括在项目费用中, 比如个人旅行, 娱乐, 洗衣, 邮资, 化妆品, 电话, 和互联网.
- Ask your program for a sample budget of personal expenses, or an indication of how prices in your host country compare to those at home.
- 把你的“想要”和“需要”分开. 你需要多少钱 for food and transportation, and how much money do you want to spend on 娱乐 and travel?
- How much is the cost of living in your program location?
计算 & 管理预算
- Estimate high when calculating any variable expenses, such as public transportation and food. It’s better to have money left over than to fall short before the end of your program.
- Remember that you will likely buy souvenirs before you leave, so plan to spend a little more money than usual during your last weeks abroad.
- Keep track of your spending by saving receipts and adding up expenses throughout your program. A simple Excel sheet can be an easy tool to track your spending.
- Review your spending habits every week/month to help you stay on track. 你在哪些地方超支了? 你把钱存哪儿了?? 下周/下个月你能做些什么不同的事情?
海外银行业务
Familiarize yourself with the local currency used in your study abroad destination to make it easier to understand how much you are spending on your various purchases.
- 货币是什么??
- 面值是多少?
- 当前人民币对美元的汇率是多少.S. 美元? 浏览以下网站: www.xe.com 查看汇率.
In many countries, you can use your debit card at an ATM to withdraw cash in the local currency. However, it is imperative that you inform your bank of your travel plans. 否则, the bank may notice foreign activity on your account and freeze your funds for security reasons.
Be aware of the following fees which you may be charged each time you withdraw money from an ATM in a foreign country:
- 您银行的国外ATM机手续费
- 国外ATM机的手续费
- 货币兑换费
We encourage you to contact your bank to learn about their international ATM fees and to determine if they have a partnership with a specific bank overseas that might reduce fees. Be sure to understand your daily withdrawal limit and get a sense of how easy it will be to find an ATM in your host location.
In many countries, credit cards can be a convenient way of paying for items. Most credit cards offer the added security of not holding you liable for fraudulent charges.
However, you may be subject to high interest fees if you do not pay your balance on a monthly basis. Also, depending on your credit card, you may be charged additional fees when using it abroad. We recommend you contact your credit card company and inquire about these fees. 一些常见的费用包括:
- 国际使用费
- Cash advance fee and interest rate (for withdrawing cash through an ATM)
We recommended you inform your credit card company that you will be traveling as some companies may become alarmed when they notice foreign activity on your account and may freeze your card until they can ensure that it is you who is using your credit card abroad.