融资选择
让它成为现实的几个选择
If you think you have to pay for your study abroad program all on your own, think again! We’ve 和piled a list of different financial aid opportunities for you to choose from if you need assistance. 从CEA capa专属资金到各种外部来源, 在支付留学费用方面，你有很多选择.
Every student who wants to experience education and life overseas should get the chance. 这就是我们在CEA CAPA所相信的. 我们希望这个资源列表能帮助你去你想去的地方.
助学金和飞行学分
Whether you’re a student at one of our affiliate universities or a student who wants to save on airfare to your CEA CAPA program, 我们有东西要给你.
CEA CAPA奖学金
CEA CAPA is 和mitted to increasing all students' access to the many benefits of study abroad. 要了解更多关于我们目前的奖学金，请访问 奖学金 & 奖助金 页面.
融资选择
Our interest-free payment plan lets you choose payment amounts and due dates—monthly, 每两周, 每周——以满足你的预算. 单独使用这个灵活的计划或与其他经济援助结合使用.
设置您的付款计划很容易:宝博体育的学生账户团队800.266.4441 ext. 1807. 还记得, 你越早开始你的计划, the smaller your payments will be and the more time you’ll have to pay for your program.
的 U.S. 教育部 为参加批准的宝博体育项目的学生提供贷款和助学金. 有什么区别?? 贷款必须偿还 (with interest); grants are free money toward your education. You may use federal funding for study abroad if your home school approves your study abroad program for academic credit and you are enrolled at your home school throughout the 留学学期.
威廉D. 福特联邦直接贷款计划
在符合资格的学校至少兼职注册的学生
Direct Loans generally offer lower interest rates and more flexible repayment options than private loans.
- 直接资助贷款: 适用于有经济需要的本科生
- 直接无补贴贷款: for eligible undergraduate/graduate/professional students; students do not have to demonstrate financial need
- 直接PLUS贷款: for graduate/professional students and parents of dependent undergraduate students to help pay for expenses not covered by other financial aid
- 直接合并贷款: 将所有符合条件的联邦学生贷款合并为一笔贷款
联邦珀金斯贷款计划
有特殊经济需要的学生
- 你的家庭学校充当贷款人
联邦佩尔助学金
对于尚未获得学士学位的本科生
- 金额取决于经济需要、出勤费用和出勤计划.
联邦补充教育机会补助金
由你所在学校的财政援助办公室管理
- 金额取决于你的经济需要、申请时间和收到的其他援助
- 学校每年获得的FSEOG基金数量有限，所以请尽早申请
大学教师教育援助 & 高等教育补助金
For eligible students who plan to work as teachers in high-need fields or low-in和e areas
- Recipients must take certain classes and work in qualifying jobs after graduation to prevent the grant from turning into a loan
伊拉克和阿富汗服务补助金
对于父母/监护人在美国服役期间去世的学生.S. 在伊拉克或阿富汗的武装部队
- 受助人必须满足一定的经济、年龄和教育要求
CEASecure™ is an optional refund plan that allows you to withdraw from your CEA program for any covered reason up to one calendar week before the program’s start date. CEASecure™为以下承保项目提供退款 原因:
- 医疗: 如果你或你的直系亲属得了重病, 在事故中严重受伤, 或者死亡.
- 恐怖袭击: 如果美国.S. 美国国务院确定，发生了针对美国政府的恐怖袭击.S. 在东道国的利益和问题等 官方旅游警告 说美国人不应该去那个国家旅行.
- 失业: If your parent or legal guardian is laid off from work or loses their job as a result of a general staff reduction or position elimination.
- 彻底摧毁你的主要住所 If your primary place of residence is destroyed by a natural disaster, fire, or explosion.
出发前可退还的物品有哪些?
退款包括支付给东航的所有项目费用, 减少申请费, 不可退还的节目确认费, 滞纳金, 还有成本 cesecure™计划.
在我的课程开始后，我有资格获得任何形式的退款吗?
CEASecure™ covers trip interruption refunds after your program starts under the following conditions:
- 医疗: 如果你或你的直系亲属得了重病, 在事故中严重受伤, 或者死亡.
- 恐怖袭击: 如果美国.S. 美国国务院确定，发生了针对美国政府的恐怖袭击.S. 你的项目所在国家的兴趣，以及问题 官方旅游警告 说美国人不应该去那个国家旅行.
旅行中断退款如何确定?
Refunds are pro-rated based on how far along you are in your program when a covered condition takes place. 申请费、 non-refundable confirmation fee, 滞纳金, 还有成本 of CEASecure™ are not refundable. 每宗事件的退款总额不得超过一百万元.
CEASecure™的成本是多少?
- 学期和三学期课程475美元
- 夏季和短期课程275美元
- 每学年1000美元
如何注册CEASecure™?
打电话给1.800.266.4441或在您的MyCEA帐户中填写并签署注册表. 请 点击这里 了解更多信息.
如果您不选择购买CEASecure™, 你符合CEA标准退款政策, which provides refunds depending on the withdrawal date's proximity to the program start date. 根据标准退款政策，不退款 granted after the program withdrawal date and no refunds are possible after the program start date.
折扣
We offer discounts for alumni and for students who are enrolled in more than one program.
你非常喜欢在国外的时光，所以你想再去一次? 你肯定不是唯一一个，我们想帮助你! 的 CEA 校友 再去一次折扣 is available to any CEA Alumnus who’s paid their previous CEA 有充分的海外学习经历并被另一个CEA项目录取. 折扣让“再来一次”的校友省钱:
- 一个学期/三个学期+一个学期/三个学期=节省1000美元
- 夏天+夏天=节省500美元
- 学期/三学期/一年+夏季=节省500美元
- 短期+任意项目=节省250美元
折扣 can’t be 和bined with multi-program discounts (the greater of the two will be awarded). 折扣不适用于定制/教师主导的课程. 最后余额的折扣.
再次出国那么多令人兴奋的留学项目，那么少的时间——谁能只选一个呢? 幸运的是，你不需要这么做! 的 CEA Multi-Program Discount provides savings for students who want to participate on multiple programs. Apply for your first program and your CEA CAPA Admissions Advisor will help you through the multi-program application process:
- 一个学期/三个学期+一个学期/三个学期=节省1000美元
- 夏天+夏天=节省500美元
- 学期/三学期/一年+夏季=节省500美元
- 短期+任意项目=节省250美元
多项目折扣不能与其他优惠合并使用.
资源
寻找更多的方法来实现你的海外生活梦想? 考虑以下建议，以拓展传统的财政援助. 一些创造力和聪明才智可以大有帮助.
529年计划, 法律上被称为"合格学费计划", are tax-advantaged savings programs created to help families save money for college. 不同的计划优势、选择、限制和费用适用于每个州.
目前, 529年计划 are operated by state governments and cover college tuition based on an enrollment-weighted average of in-state public college tuition rates.
的 rules determining plan use and fund withdrawal capabilities vary from state to state. You will need to consult your 529 plan requirements to learn what your funds can be used for. 一般来说，只有认可的学位授予机构 或第四章机构接受529计划基金. This means that if a student is not registered at their home institution and/or that institution will not disperse a student's financial aid to CEA, 那么学生就不能使用他们的529计划了 支付他们宝博体育的费用. However, the parent/529 contributor can withdraw funds from the 529 plan at any time, for any reason. 在这种情况下可能会受到税务处罚.
请 speak with your 529 provider and home institution about whether you can apply your 529 plan funds to study abroad.
If you still need funding after 和pleting your FAFSA and applying for scholarships, 你可以考虑通过私人贷款机构申请教育贷款, 比如银行或信用合作社. 先和你的家人讨论一下利弊，然后 确保你了解联邦和私人学生贷款的不同之处:
- 利率: Private loan interest rates are usually higher than federal student loans and may vary based on market interest rates; that means your monthly payment can change.
- 贷款费用: Private lenders may charge origination fees, monthly service charges, and/or 滞纳金
- 资格: Private loans generally have stricter eligibility requirements and are subject to credit approval; lenders may require a good credit score and a co-signer.
- 还款计划: Private lenders may not offer flexible repayment options like those offered for federal student loans, 比如以收入为基础或延长付款计划.
如果经济援助和奖学金不够怎么办? 是时候发挥创造力了! 考虑其他资金来源和方法，例如:
- 集体融资
- 在Facebook和Twitter等社交媒体网站上筹款
- Local business, religious, and civic groups, like Rotary, Lion’s Club, or Kiwanis
- 高中校友组织
- 地方和全国的姐妹会和兄弟会分会