OHIO STATE UNIVERSITY EXTENSION. College Reality. Exploring the hidden costs of college
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1 College Reality Exploring the hidden costs of college
2 College Semester Budget Worksheet Accepted to: Major INCOME BUDGETED ACTUAL DIFFERENCE Financial Aid $ $ $ Loans $ $ $ Parental Contribution (EFC) $ $ $ Scholarships $ $ $ Supplemental Income $ $ $ Other Income $ $ $ Total $ $ $ Total Semester Income $ ACADEMIC EXPENSES BUDGETED ACTUAL DIFFERENCE Books $ $ $ Computer (Desktop, Laptop) $ $ $ Tuition $ $ $ Other Academic Expense $ $ $ Total $ $ $ LIVING EXPENSES BUDGETED ACTUAL DIFFERENCE Appliance & Miscellaneous $ $ $ Cell Phone Service $ $ $ Dorm Room/Apartment (Utilities) $ $ $ Food/Meal Plan $ $ $ Furniture $ $ $ Health Insurance $ $ $ Transportation (Bus, Bike, Car) $ $ $ Other Living Expense $ $ $ Total $ $ $ PERSONAL EXPENSES BUDGETED ACTUAL DIFFERENCE Clothing & Personal Items $ $ $ Entertainment $ $ $ Other Personal Expense $ $ $ Total $ $ $ Total Semester Expense $ Savings Account $ $ $ Total Savings $ After completing all stations; Add all totals from budgeted column and place total amount on the Total Semester Expense budgeted line. Add all totals from the actual column and place total amount on the Total Semester Expense actual line. Compare the two totals. Do you have enough money to pay for college? What can you do right now to plan for college expenses?
3 Financial Aid Draw a card to determine financial aid Place total financial aid in the actual column Get help paying for college. Fill out your FAFSA form at: fafsa.ed.gov Pay attention to deadlines!
4 Parental Contribution (EFC) Draw a card to determine parental contribution Place total contribution in the actual column Questions to ask your parent/legal guardian about college: Can we talk about college? Is it possible for you to help me pay for college? Can you help me complete my FAFSA? Will I be able to work part-time? Do you have scholarship suggestions? Can we talk to a financial consultant about college loans? What are your financial and academic expectations for me?
5 Supplemental Income Pick a card to determine supplemental income Calculate total supplemental income for 1 Semester (4 Months) Place total supplemental income in the actual column Campus Dining Service $8.10/Hour 15 Hours/Week Computer Repair $12.00/Hour 10 Hours/Week Factory Worker $9.00/Hour 15 Hours/Week Farm Worker $8.10/Hour 20 Hours/Week Fast Food Cook $8.10/Hour 10 Hours/Week Gas Station $8.10/Hour 15 Hours/Week Internship $10.00/Hour 20 Hours/Week Landscaper $11.00/Hour 10 Hours/Week Library Assistant $8.10/Hour 20 Hours/Week Maintenance Worker $11.00/Hour 10 Hours/Week Nursing Home $8.10/Hour 10 Hours/Week On-Campus Job $8.50/Hour 20 Hours/Week Receptionist $8.95/Hour 10 Hours/Week Restaurant Host/Hostess $10.00/Hour 15 Hours/Week Restaurant Waiter/Waitress $3.50/Hour 10 Hours/Week Retail Store Assistant $8.10/Hour 15 Hours/Week Secretary $10.50/Hour 10 Hours/Week Stadium Grounds Crew $9.50/Hour 15 Hours/Week Tutor $10.00/Hour 15 Hours/Week Work Study Program $8.10/Hour 10 Hours/Week
6 Scholarships & Grants Select a card to determine grants and scholarships Place total scholarship & grant amount in the actual column Community Organizational Scholarship (Active Participation in Organization) $ University Based Scholarship $1, College Now Scholarship $2, Service Scholarship $2, Athletic Scholarship $2, Merit Scholarship $3, Ohio College Opportunity Grant $5, Morrill Scholarship All Academic Expenses Paid
7 Student Books Declare major on budget worksheet Choose three required classes (highlighted) and two degree specific classes and purchase the corresponding books *Only three used books may be purchased Place total book cost in the budgeted column Agriculture & Animal Sciences $75.25/ Used $61.25 Architecture Engineering Manufacture & Transport $89.25/ Used $76.05 Arts & Humanities $55.50/ Used $46.75 Business & Economics $92.50/ Used $78.25 Communication & Media $83.00/ Used $67.75 Computer Science & Technology $72.50/ Used $58.75 Education $75.95/ Used $64.30 History & Geography $85.75/ Used $72.85 Languages & Literature $65.85/ Used $56.25 Law & Criminal Justice $110.50/ Used $97.75 Math $95.25/ Used $81.50 Medicine $125.00/ Used $ Science $120.50/ Used $ Social Science $78.75/ Used $66.75
8 Computer & Office Supplies Choose either a desktop or laptop computer Add all three supply packages to computer choice Place total computer cost in the budgeted column Desktop Computer $ Laptop Computer $ Tablet $ Computer Accessory Package (Surge Protector, Extension Cord, Ethernet Cables, Flash Drive) Printer Package (Ink Cartridge & Copy Paper) School Supplies (Backpack, Pens, Mechanical Pencils, Highlighter Pens, Notebooks, 3x5 Note Cards, Folders, Post-it Notes, Scissors, Ruler, Stapler, Staples, Paper Clips) $59.95 $ $91.99
9 Appliances & Miscellaneous Select either apartment or dorm package Add all three essential kit cost to living choice Place total appliance cost in the budgeted column Dorm Ready Package (Compact Refrigerator, Area Rug, Fan, Iron, Waste Paper Basket) $ Apartment Ready Package (Pots, Pans, Coffee Maker, Microwave, Toaster, Iron, Fan, Trash Can) $ Kitchen Essentials Kit (Plates, Forks, Knives, Spoons, Cups, Bowls, Dish Detergent, All Purpose Cleaner, Paper Towels) $62.95 Clothing Essentials Kit (Clothes Hangers, Laundry Basket, Laundry Detergent, Fabric Softener) $26.49 Bed and Bath Essentials Kit (Pillow, Pillowcase, Blanket, Sheets, Towels, Washcloths, Storage Containers, Toolkit) $225.49
10 Cell Phone Service Select one cell phone plan Calculate expenses for 1 Semester (4 Months) Place total cell phone service cost in the budgeted column Cell Phone Basic Plan $50.00/Month Cell Phone Moderate Plan (Includes Limited Data Package) $75.00/Month Cell Phone Executive Plan (Includes Unlimited Data Package) $100.00/Month
11 Student Housing Choose to live in dorm or apartment Add a utilities package to total if apartment is chosen Calculate housing cost for 1 Semester (4 Months) Place total housing cost in the budgeted column Dorm Room $ Per Month/ Utilities Included. Apartment $ Per Month/ Some Utilities Included, 1 Year Lease Utilities (Electric, Gas, Water, Trash) No Internet $240.00/Month Utilities (Electric, Gas, Water, Trash) With Internet $280.00/Month
12 Meal Plan Choose Groceries or Campus Meal Plan Add one restaurant and two fast food meals per month Calculate meal costs for 1 Semester (4 Months) Place total food cost in the budgeted column Groceries $400.00/Month Campus Meal Plan $1,000.00/Semester Restaurant $15.00/Meal Fast Food $5.00/Meal
13 Furniture Select furniture according to your living space Place furniture cost in the budgeted column Dorm (Lamp, Book Case, Office Chair) $ Apartment Bedroom (Bed Frame, Mattress, Bedspring, Dresser, Mirror) Apartment Living Room (Futon, Coffee Table, 2 Sofa Tables, Television Stand, Television) $ $ Apartment Personal Office (Desk, Chair, Lamp, Book Case) $ Apartment Dining Room (Tables, Chairs) $250.00
14 Student Health Insurance Roll Health Insurance Dice to determine insurance need Calculate immunization cost to your health insurance Place total insurance cost in the budgeted column Meningococcal Disease or Meningitis Immunization $70.00 Health Insurance (If needed) $1,216.00/Semester
15 Student Transportation Choose at least one mode of transportation Calculate transportation costs for 1 Semester (4 Months) Place total transportation cost in the budgeted column Bus Fee $16.50/Semester Bicycle Repair $29.99/Year Bicycle Tire Repair $19.99/Year Vehicle Gasoline Cost $120.00/Month Vehicle Parking Permit $65.00/Month Vehicle Insurance $600.00/6 Months Vehicle Maintenance $150.00/Semester
16 Clothing & Personal Items Calculate all clothing and personal items total Place total clothing and personal items cost in the budgeted column Essential Toiletries (Toothbrush, Toothpaste, Dental Floss, Razor, Shaving Cream, Lotion, Facial Moisturizer, Q-Tips, Hair Products, Hair Brush, Body & Face Wash, Deodorant, Nail Clippers, Tweezer) $71.95 The Casuals (Shirts/Blouse, Jeans/ Dockers, Tennis Shoes/Boots) $ Weather Wears (Jacket/Sweater, Rain Coat, Gloves, Scarf, Hat, Umbrella) $99.99 Sleepwear (Robe, Pajama, Slippers) $44.99 Over the Counter Medicines $30.00
17 Entertainment Budget at least one event per month Calculate entertainment costs for 1 Semester (4 Months) Place total entertainment cost in the budgeted column Movie $9.75 Popcorn & Soft Drink $9.00 Professional Sports Event $55.49 Semi-Professional Sports Event $23.98 College Sports Event $14.49 Concert $54.49 Get Together with Friends $8.49
18 School Fees Draw card to determine required school fees Place total school fee cost on the other academic expenses line in the budgeted column Lab Fees $95.00 Activity Fees $37.50 General Fees $ Club Fees $22.00 Technical Fees $ Material Fees $43.00 Application Fees $25.00 Course Fees $156.00
19 Bank Services Choose a card to determine your bank service expenses Roll dice to determine debit card fees Place total bank service cost on the other living expense line in the budgeted column Checking Account Fees (to Purchase Checks) $15.00 Over Draft Fees $35.00 Credit Card Fees $35.00 ATM Fees $3.00 Debit Card Fees $1.00/Transaction
20 Graduation Choose 3 graduation expenses Place total graduation cost on the personal expenses line in the budgeted column Cap & Gown $50.00 Tassel $15.00 Cap Gown & Tassel/Package $68.00 Women Class Ring $ Men Class Ring $ Invitations Pack of 30 $37.99 Announcements Pack of 25 $64.95 Photographs $ Graduation Cake (Serves 30) $62.99
21 Savings Account Draw a card to determine the amount of money you have saved for your education Place total savings amount in the actual column Remember the sooner you start saving for college the less you will need to depend on scholarships, grants, and loans. It will also impact how much debt you owe upon graduation. It is important to develop a plan; Set Goals Start Saving Now Adjust Your Spending Set Up Automatic Deposits
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