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    美國家庭大學教育開支下降,原因何在?

    美國家庭大學教育開支下降,原因何在?

    Megan Leonhardt 2021年08月05日
    去年美國家庭用于大學教育的開支平均為26373美元,較上一年下降12%。

    2020年8月25日,哥倫布市俄亥俄州立大學開學首日,佩戴防護口罩的學生正在湯普森圖書館學習。圖片來源:Ty Wright—Bloomberg/Getty Images

    根據美國學生貸款公司薩利美(Sallie Mae)和益普索(Ipsos)的最新報告,去年美國家庭用于大學教育的開支平均為26373美元,較上一年下降12%。

    該報告名為《美國家庭如何支付大學學費》(How America Pays for College),對近2000名高校學生的家長進行了調查,覆蓋了接受大學教育所需支付的所有費用,包括學費、雜費、食宿費用等等。

    數據顯示,大多數學院和大學的學費依然保持著上漲勢頭。根據美國大學理事會(College Board)提供的數據,四年制公立大學本州住校學生的年均費用總計為26820美元,非本州學生為43280美元。四年制私立大學的年均費用則為54880美元。

    那么去年的學費支出為何還有所下降呢?薩利美的發言人里克?卡斯特拉諾(Rick Castellano)表示,其部分原因是疫情的影響。一些學校退還了學生的住宿費,另有學生選擇在家中遠程上課,這些都使得求學成本有所降低。(有些學生甚至根本沒報名入學:根據美國全國學生資料庫的數據顯示,去年高校入學人數出現下降,春季學期下降了3.5%。)

    益普索董事珍妮?伯格(Jenny Berg)表示:“我們發現,與去年相比,(入學人數)有所下降?!辈贿^她也指出,去年美國家庭報告的大學費用與兩年前一致。因此,現在判斷費用下降屬于長期趨勢還是只是過去兩學年劇變的結果依然為時尚早。

    美國家庭如何支付大學費用

    薩利美和益普索的報告顯示,在支付學費時,學生及其家庭近一半的資金來自儲蓄和父母的收入,獎學金和助學金平均占比為約25%,學生貸款占比為約11%。

    報告顯示,在選擇貸款的學生中,聯邦學生貸款是最常見的資金來源,家庭平均貸款8775美元。此外,超過一半的貸款學生表示,他們在上學期間已開始償還貸款,從而減少了所欠利息。

    但是很多人并未充分利用政府提供的財政補貼。調研顯示,僅有68%的受訪者表示自己去年提交了聯邦學生援助免費申請,創14年來最低水平,兩年前該數字為77%。使用獎學金和助學金的學生人數也出現下降。

    雖然因新冠疫情影響,去年無論是學生還是其家庭都過得頗為不易,但89%的受訪者依然認為上大學“物有所值”,并能為其創造(更好的發展)機會。大約80%的受訪者認為,大學學位能為其帶來更高的收入。伯格表示:“民眾認為上大學能學到有價值的東西,為其所接受的教育花些錢非常劃算”,并補充說,過去四年,這種觀點并未出現變化。(財富中文網)

    譯者:梁宇

    審校:夏林

    根據美國學生貸款公司薩利美(Sallie Mae)和益普索(Ipsos)的最新報告,去年美國家庭用于大學教育的開支平均為26373美元,較上一年下降12%。

    該報告名為《美國家庭如何支付大學學費》(How America Pays for College),對近2000名高校學生的家長進行了調查,覆蓋了接受大學教育所需支付的所有費用,包括學費、雜費、食宿費用等等。

    數據顯示,大多數學院和大學的學費依然保持著上漲勢頭。根據美國大學理事會(College Board)提供的數據,四年制公立大學本州住校學生的年均費用總計為26820美元,非本州學生為43280美元。四年制私立大學的年均費用則為54880美元。

    那么去年的學費支出為何還有所下降呢?薩利美的發言人里克?卡斯特拉諾(Rick Castellano)表示,其部分原因是疫情的影響。一些學校退還了學生的住宿費,另有學生選擇在家中遠程上課,這些都使得求學成本有所降低。(有些學生甚至根本沒報名入學:根據美國全國學生資料庫的數據顯示,去年高校入學人數出現下降,春季學期下降了3.5%。)

    益普索董事珍妮?伯格(Jenny Berg)表示:“我們發現,與去年相比,(入學人數)有所下降?!辈贿^她也指出,去年美國家庭報告的大學費用與兩年前一致。因此,現在判斷費用下降屬于長期趨勢還是只是過去兩學年劇變的結果依然為時尚早。

    美國家庭如何支付大學費用

    薩利美和益普索的報告顯示,在支付學費時,學生及其家庭近一半的資金來自儲蓄和父母的收入,獎學金和助學金平均占比為約25%,學生貸款占比為約11%。

    報告顯示,在選擇貸款的學生中,聯邦學生貸款是最常見的資金來源,家庭平均貸款8775美元。此外,超過一半的貸款學生表示,他們在上學期間已開始償還貸款,從而減少了所欠利息。

    但是很多人并未充分利用政府提供的財政補貼。調研顯示,僅有68%的受訪者表示自己去年提交了聯邦學生援助免費申請,創14年來最低水平,兩年前該數字為77%。使用獎學金和助學金的學生人數也出現下降。

    雖然因新冠疫情影響,去年無論是學生還是其家庭都過得頗為不易,但89%的受訪者依然認為上大學“物有所值”,并能為其創造(更好的發展)機會。大約80%的受訪者認為,大學學位能為其帶來更高的收入。伯格表示:“民眾認為上大學能學到有價值的東西,為其所接受的教育花些錢非常劃算”,并補充說,過去四年,這種觀點并未出現變化。(財富中文網)

    譯者:梁宇

    審校:夏林

    The average American family spent $26,373 for college last year, down 12% from expenses a year prior, according to the latest report from Sallie Mae and Ipsos.

    That includes every single dollar that families put toward college costs, including money spent on tuition, fees, and room and board, as well as transportation costs and technology expenses, according to the How America Pays for College report, which surveys nearly 2,000 parents of college students and undergraduates.

    Yet tuition costs have continued to tick up for most colleges and universities. The average total cost of a public four-year university for in-state students staying on campus is $26,820 a year and $43,280 for out-of-state students, according to College Board. A year at a four-year private college costs an average of $54,880 for all expenses.

    So why did families report paying less last year? In part, because the pandemic had an impact on college costs, says Rick Castellano, a spokesman for Sallie Mae. Some schools issued refunds for housing costs, while other students opted to remain at home while attending classes remotely—all of which lowered the overall cost. (Some also skipped school entirely: Enrollment at colleges and universities fell in the past year, down 3.5% in the spring semester, according to data from the National Student Clearinghouse.)

    “We are seeing a drop compared to last year,” says Jenny Berg, director of Ipsos. But she notes that the college expenses families reported last year are in line with what was reported two years ago. So it’s too early to tell if this is a longer-term trend of declining costs or simply related to the upheaval of the last two academic school years.

    How families are paying for college

    Students and their families covered nearly half of college costs with savings and parental income, according to the Sallie Mae and Ipsos report. Scholarships and grants covered about 25% of the costs, on average, while student loans made up about 11% of the funding.

    Of those students who took out loans, federal student loans were the most common source of funding, and families typically borrowed $8,775 on average, according to the report. Additionally, over half of those who took on loans say they’re already making payments while enrolled in school, thereby minimizing the interest owed.

    But many are leaving money on the table in the form of financial aid. About 68% reported filing for the FAFSA last year, the lowest level in the study’s 14-year history and down from the 77% completion rate reported two years ago. The number of students using scholarships and grants is also down.

    Yet despite the hardships students and their families faced over the past year with the pandemic, 89% of those surveyed still believe that college is worth it and creates opportunities. About eight out of 10 believe a college degree will translate to higher future career earnings as well. “People feel like they're getting value, that the education they're receiving is worth the price,” Berg says, adding that sentiment has remained steady for the past four years.

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