There are many costs involved with going to college including tuition, books, housing, entertainment, and food.These costs can quickly add up and make life after college a financial nightmare.

To avoid getting into a sticky situation yourself, here are ten practical money tips for you, the college student.Try some of these tips to lower the amount of debt you end up with, and to help clear your head after graduation.If you are the parent of a college student, send them this list.

1.Be Careful Of Promotions On Campus
There are certain companies and organizations that make money by preying on naive and unsuspecting college students. Some examples of this are credit card companies, loan companies, and employers looking for dirt cheap labor. Just be aware of the people out there hoping to make an easy buck off of you. Regardless of the endorsements, read the fine print.

2.Don't Eat Out All The Time
It may be convenient and tempting to eat out frequently, but it can end up costing you a lot of money. Start keeping track of how many times you eat out every week or month, to see how the costs add up. You might be surprised by how much money you spend on food.

3.Use Your Credit Card For Emergencies Only
With all of the expenses associated with going to college, it can be very easy to rack up a lot of credit card debt. So instead of making poor decisions with your credit card, save it for emergencies only. It is easy to overspend and spend without thinking when you're paying with plastic, but when you pay with cash, things are very different.

4.Commute To School
Living off campus and commuting to school is an option that can help you save a bundle of money. This is especially true if you go to school on an urban campus, where rent can cost a lot of money. The cost of gas, insurance, parking, and maintenance can be far less than paying for rent in many cases.

5.Buy Books Online Before The Semester Starts
Most college students know that buying books on campus can be a big rip off. The profit margins at college and university bookstores can be as high as 50%. The main reason why students buy from these book stores is because of convenience. It's so much easier to get your books on campus and go right to class, but the costs are just too high. If you plan ahead and buy your books online, you can save yourself hundreds of dollars per semester.

6.Consolidate Loans
Do the math and find out if consolidating your school loans will make it easier to pay them off in the future. In many cases, loan consolidation can help simplify and reduce your overall debt and interest payments.

7.Get A Part Time Job
If you have time outside of your academic and social life, consider taking on a part time job to make extra money. Having a part time job will give you some extra cash to pay for the things you need and help you avoid adding more to your debts. Many schools offer work/study programs that pay students tax free.

8.Max Out Financial Aid And Scholarships
Find financial aid and scholarship programs to help pay for your education and other expenses. There is probably a scholarship program for your particular major, ethnicity group, or background. Most of these scholarships require a simple essay and resume and can be well worth the time and effort put into applying for them. The bottom line is, if you're not maxing out the amount of financial aid and scholarships you receive, you're leaving money on the table.

9.Take Advantage Of Student Discounts
Ask around to find out about restaurants and entertainment venues that offer discounts to college students. You can get discounts on meals, movie tickets, concert tickets, and clothing just for having a college ID. If you're going to spend money on these things anyway, you might as well try to get a discount.

10.Study Hard
The best way to save money in college is to make the most of the money you're spending. If you study hard and do well academically, the thousands and thousands of dollars you spent to go to school will have been that much better spent. So do the best you can and make the most of your tuition dollars.

College is expensive and is getting more expensive each year. Most college students are unprepared to face the financial burdens that are required to earn a degree. With these ten tips, you’ll have a better chance of maintaining your financial health throughout college.

上大學涉及的費用很多
，包括學費、書、住宿、娛樂還有夥食。這些費用會迅速地疊加起來，並把你的畢業後的生活變成一個“理財地獄”。

這裏有10個實用的理財訣竅,rangnibimianzijixianrujishoudeqingkuang。changshizhelideyixiejianyilaijianshaonizuizhongdezhaiwu，tongshibangzhunibiyehouhaiqingzhaikuan。ruguonishidaxueshengdefumu
，geihaizimenkankanzhexiejianyi。

1、小心校園裏的促銷活動

有you一yi些xie公gong司si和he組zu織zhi通tong過guo獵lie食shi那na些xie天tian真zhen的de沒mei有you疑yi心xin的de大da學xue生sheng來lai賺zhuan錢qian。例li如ru信xin用yong卡ka公gong司si，貸dai款kuan公gong司si還hai有you尋xun找zhao廉lian價jia勞lao動dong力li的de雇gu主zhu。要yao知zhi道dao外wai麵mian的de這zhe些xie人ren隻zhi是shi想xiang從cong你ni身shen上shang簡jian簡jian單dan單dan地di賺zhuan到dao錢qian。無wu視shi其qi他ta羅luo嗦suo的de協xie議yi

，先xian認ren真zhen看kan看kan關guan於yu小xiao字zi體ti的de附fu屬shu條tiao款kuan。

2
、不要總是在外麵吃飯

pinfandiquwaimianchifansuiranhenfangbianyehenyouren
，danshitahuichidiaoniyidabiqian。kaishiliuyimeixingqihuozhemeiyuewaichuchifandecishu，kankanzhehaofeileniduoshaoqian。nikenenghuiduinizaihuoshishangdehuaxiaogandaojingya。

3
、隻在緊急狀況下才使用你的信用卡

加(jia)上(shang)和(he)上(shang)大(da)學(xue)相(xiang)關(guan)的(de)所(suo)有(you)費(fei)用(yong)，大(da)量(liang)的(de)信(xin)用(yong)卡(ka)債(zhai)務(wu)很(hen)容(rong)易(yi)就(jiu)會(hui)被(bei)構(gou)架(jia)起(qi)來(lai)。因(yin)此(ci)，與(yu)其(qi)根(gen)據(ju)你(ni)的(de)拙(zhuo)劣(lie)的(de)決(jue)定(ding)來(lai)使(shi)用(yong)信(xin)用(yong)卡(ka)
，不(bu)如(ru)省(sheng)下(xia)來(lai)應(ying)急(ji)。當(dang)你(ni)用(yong)信(xin)用(yong)卡(ka)買(mai)東(dong)西(xi)時(shi)
，很(hen)容(rong)易(yi)透(tou)資(zi)或(huo)者(zhe)想(xiang)也(ye)不(bu)想(xiang)就(jiu)把(ba)錢(qian)花(hua)掉(diao)
，但(dan)是(shi)如(ru)果(guo)你(ni)用(yong)現(xian)金(jin)付(fu)款(kuan)，情(qing)況(kuang)就(jiu)不(bu)一(yi)樣(yang)了(le)。

4
、通勤上學

住(zhu)在(zai)校(xiao)外(wai)和(he)通(tong)勤(qin)上(shang)學(xue)是(shi)一(yi)個(ge)能(neng)為(wei)你(ni)省(sheng)下(xia)一(yi)筆(bi)錢(qian)的(de)選(xuan)擇(ze)。如(ru)果(guo)你(ni)在(zai)市(shi)區(qu)的(de)校(xiao)園(yuan)裏(li)上(shang)學(xue)則(ze)更(geng)是(shi)如(ru)此(ci)，房(fang)租(zu)就(jiu)能(neng)花(hua)掉(diao)一(yi)大(da)筆(bi)錢(qian)。在(zai)許(xu)多(duo)情(qing)況(kuang)下(xia)，瓦(wa)斯(si)
、保險、停車和維修的費用可以遠低於支付租金。

5
、在開學錢上網買書

很多大學生都知道
，在校園裏買書就像被洗劫一場。學校裏的書店利潤率高達50%。學xue生sheng在zai這zhe些xie買mai書shu的de主zhu要yao原yuan因yin是shi方fang便bian。在zai校xiao園yuan裏li買mai書shu可ke以yi方fang便bian地di拿na了le書shu就jiu直zhi接jie去qu上shang課ke
，但dan是shi費fei用yong太tai高gao了le。如ru果guo你ni事shi先xian計ji劃hua好hao在zai網wang上shang買mai書shu，每mei學xue期qi你ni可ke以yi給gei自zi己ji省sheng下xia幾ji百bai塊kuai的de美mei元yuan。

6、合並貸款

計算並找出，合並你在學校的貸款是否會使得將來更容易還清。在許多情況下，合並貸款能幫助你簡化和減少你的總債務和利息。

7、找一份兼職

如ru果guo除chu了le學xue術shu和he社she交jiao活huo動dong你ni還hai有you足zu夠gou的de時shi間jian，考kao慮lv從cong事shi一yi份fen兼jian職zhi來lai賺zhuan點dian外wai快kuai。有you一yi份fen兼jian職zhi能neng給gei你ni帶dai來lai額e外wai的de現xian金jin來lai購gou買mai必bi需xu品pin
，還hai可ke以yi幫bang你ni避bi免mian增zeng加jia更geng多duo的de債zhai務wu。許xu多duo學xue校xiao提ti供gong給gei學xue生sheng免mian稅shui的de半ban工gong讀du計ji劃hua。

8
、最大化財政援助貸款和獎學金

尋xun找zhao財cai政zheng援yuan助zhu貸dai款kuan和he獎jiang學xue金jin來lai幫bang助zhu你ni的de教jiao育yu和he其qi他ta方fang麵mian的de開kai支zhi。很hen可ke能neng會hui有you為wei你ni的de特te殊shu專zhuan業ye
，種zhong族zu或huo者zhe背bei景jing所suo提ti供gong的de獎jiang學xue金jin。大da部bu分fen這zhe種zhong獎jiang學xue金jin隻zhi需xu要yao一yi篇pian簡jian單dan的de論lun文wen和he一yi份fen簡jian曆li
，而er且qie你ni投tou入ru其qi中zhong的de時shi間jian和he努nu力li能neng獲huo得de相xiang當dang不bu錯cuo的de回hui報bao。如ru果guo沒mei有you最zui大da限xian度du地di獲huo得de這zhe類lei財cai政zheng援yuan助zhu和he獎jiang學xue金jin,你就等於把它們白白錯過了.

9、利用學生折扣

問問周圍的人了解關於提供大學生優惠的餐廳和娛樂場所。隻是因為你有學校的ID你就能在吃飯、電影票、音樂會門票上打折。無論如何，如果你打算在這些方麵花錢的話，你還不如嚐試打折。

10

、努力學習

在大學省錢的最佳方法是讓你所花的錢價值最大化。如果你努力學習並在學術上最的很好,上學所花的成千上萬塊錢將更有價值。所以，要全力以赴，做到最好，充分利用你的學費。

大學很貴，而且每一年都變得越來越貴。許多大學生沒有準備好麵對獲取學位所必須的經濟負擔。根據這10條建議，你將有更好的機會在整個大學期間來保持你的財務健康。