Study Abroad Funding Options

Our interest-free payment plan lets you choose payment amounts and due dates—monthly, bi-weekly, weekly—to meet your budget. 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. Remember, the sooner you start your plan, the smaller your payments will be and the more time you’ll have to pay for your program.

The U.S. Department of Education 为参加批准的宝博体育项目的学生提供贷款和助学金. What’s the difference? Loans must be repaid (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 study abroad term.

William D. Ford Federal Direct Loan Program

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.

• Direct Subsidized Loans: 适用于有经济需要的本科生
• Direct Unsubsidized Loans: for eligible undergraduate/graduate/professional students; students do not have to demonstrate financial need
• Direct PLUS Loans: for graduate/professional students and parents of dependent undergraduate students to help pay for expenses not covered by other financial aid
• Direct Consolidation Loans: 将所有符合条件的联邦学生贷款合并为一笔贷款

Federal Perkins Loan Program

• Your home school acts as the lender

Federal Pell Grants

• 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

• 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 & Higher Education Grants

• Recipients must take certain classes and work in qualifying jobs after graduation to prevent the grant from turning into a loan

Iraq and Afghanistan Service Grants

• 受助人必须满足一定的经济、年龄和教育要求

CEA CAPA Secure is an optional protection plan that allows you to withdraw from you CEA CAPA program for any covered circumstance up to one calendar week before the program's start date. CEA CAPA Secure为以下项目提供按比例退款 covered circumstances.

• 导致严重伤害的医疗事故, illness, 或参与者或直系亲属死亡.
• 严重伤害，限制活动能力(如.e. leg, foot, hip, back)
• Death in immediate family
• Diagnosis of terminal illness
• Destruction of primary residence

What is refundable prior to departure? A refund includes all recoverable program fees that you have paid to CEA CAPA based on the time of your cancellation, less the $95 application fee, non-refundable program confirmation fee, 以及CEA CAPA安全计划的成本.

在我的课程开始后，我有资格获得任何形式的退款吗? CEA CAPA Secure covers trip interruption refunds after your program starts under the following circumstances:

• 导致严重伤害的医疗事故, illness, 或参与者或直系亲属死亡.
• 严重伤害，限制活动能力(如.e. leg, foot, hip, back)
• Death in immediate family
• Diagnosis of terminal illness
• Destruction of primary residence

旅行中断退款如何确定? Refunds are prorated based on how far along you are in your program when a covered condition takes place. The application fee, non-refundable confirmation fee, late fees, 和CEA CAPA Secure的费用不予退还.

How much does CEA CAPA Secure cost?

• $475 for semester and trimester programs
• $275 for summer and short term programs
• $1,000 for academic year programs

How do I enroll in CEA CAPA Secure? Call 1.800.266.4441查询详情或在学生门户帐户中完成任务. 使用信用卡或电子支票在线完成注册. CEA CAPA Secure必须在项目退出日期之前购买.

如果您不选择购买CEA CAPA安全, 您符合CEA CAPA标准退款政策, which provides refunds depending on the withdrawal date's proximity to the program start date. Under the Standard Refund Policy, no refunds are granted after the program withdrawal date and no refunds are possible after the program start date.

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! The CEA Alumni Go-Again Discount 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. Discounts allow go-again alums to save:

• 一个学期/三个学期+一个学期/三个学期=节省1000美元
• Summer + Summer = Save $500
• 学期/三学期/一年+夏季=节省500美元
• Short Term + Any Program = Save $250

那么多令人兴奋的留学项目，那么少的时间...who can choose just one? Fortunately, you don't have to! The CEA Multi-Program Discount allows students who apply for multiple programs at the same time to save:

• 一个学期/三个学期+一个学期/三个学期=节省1000美元
• Summer + Summer = Save $500
• 学期/三学期/一年+夏季=节省500美元
• Short Term + Any Program = Save $250

529 plans, 法律上被称为"合格学费计划", 税收优惠储蓄计划是为了帮助家庭为大学存钱而设立的吗. 不同的计划优势、选择、限制和费用适用于每个州.

Currently, 529 plans are operated by state governments and cover college tuition based on an enrollment-weighted average of in-state public college tuition rates.

The 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, then a student cannot use their 529 plan to pay for their study abroad experience. However, the parent/529 contributor can withdraw funds from the 529 plan at any time, for any reason. Tax penalties may apply in this case.

Please 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 completing 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, like banks or credit unions. 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:

• Interest rates: 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.
• Loan fees: Private lenders may charge origination fees, monthly service charges, and/or late fees
• Eligibility: Private loans generally have stricter eligibility requirements and are subject to credit approval; lenders may require a good credit score and a co-signer.
• Repayment plans: 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? It's time to get creative! 考虑其他资金来源和方法，例如:

• Crowd-funding
• 在Facebook和Twitter等社交媒体网站上筹款
• 当地的商业、宗教和公民团体，如扶轮社、狮子会或基瓦尼斯
• High school alumni organizations
• 地方和全国的姐妹会和兄弟会分会

Study Abroad Scholarships

• Benjamin A. Gilman International
• Boren Awards for International Study
• Freeman Awards for Study in Asia
• Fulbright Program
• Fund for Education Abroad
• Golden Key Study Abroad Scholarships
• HACU Study Abroad Scholarship Programs
• Phi Kappa Phi Study Abroad Grant

Scholarship Searches

• All Abroad
• Black Excel
• Cappex
• College Board Scholarship Search
• College Resource Network
• DiversityAbroad
• FastWeb
• Federal Student Aid
• Hispanic Scholarship Fund
• 人权运动LGBT奖学金数据库
• 国际教育财政援助(IEFA)
• IIE Passport Study Abroad Funding
• International Scholarships
• 密歇根州立大学多元文化学生奖学金
• Mobility International USA
• SallieMae Scholarship Search
• Scholarship Experts
• Scholarships 360
• Scholarships Canada
• Scholarships.com
• StudyAbroad.com Scholarships
• UNESCO
• United Negro College Fund
• 明尼苏达大学留学奖学金搜索