According to the College Board,U,S. college students and their families are paying, on average,$167 go $1,132 more for this year's tuition and fees than they did in 2003-2004. The average annual cost of a public college education, for tuition and fees, is now $11,000, while private college are $27,000 or more.Over the past decade, college tuition has climbed 90 percent.

根据美国大学入学考试委员会的说法，美国大学生和他们的家庭今年平均要比2003至2004年多支出167美元至1132美元的学费杂费。公立大学年均学杂费现在是11000美元，私立大学为27000美元甚至更多。过去10年，大学学费上攀升了90%.

 The cost of a college education is heading north quickly, and many families around the United States now face a dilemma-- they make too much for their kids to qualify for full scholarships to attend college, but not enough to pay the entire cost of tuition, books,lab fees and other costs. They start eyeing the part-time student jobs at Starbucks.

大学教育费用快速增长，许多美国家庭左右为难，他们收入很高，孩子们没有资格申请助学金，但他们的收入不够支付全部学费、书本、实验费和其它费用。他们开始把目光转向在星巴克打工这样的学生兼职工作。

In reality, however,a lot of people incorrectly assume their income is too high and they don't bothering applying for financial aid. There are several options worth considering if you know where to look.

然而事实上，许多人错误地高估了他们的收入，以致懒得申请财政援助。如果你知道到哪儿申请的话，下面有几种途径可以考虑。

Indeed, there is more financial aid than ever before. Nearly 70 percent of students attending four year schools pay less than$8,000 for tuition and fees, according to the College Board, a not-for-profit membership association that is composed of more than 4,7000 schools, colleges, universities, and other educational organizations. Students are currently receiving over $122 billion in aid each year. After grants are taken into consideration, the net price the average undergraduate pays for a college education is significantly lower than the published tuition and fees.

的确，现在的财政援助途径比以往任何时候都多。根据教育委员会的资料，在由47000多所学校、学院、大学和其它教育机构组成的非盈利会员协会里就读的70%的4年制大学生支付的学杂费不超过8000美元。并且那里的学生现在每年会收到超过122亿美元的财政援助，把津贴算进去，一个大学生所支付的净教育费用明显低于公布的学杂费。

 There are even options for a family that earns too much money to qualify for financial aid. A great option to consider is the Federal Parent Loan for Undergraduate Students(PLUS) loan program, which currently have a variable interest rate that is capped at 9 percent but is currently 4.17 percent. These loans are available regardless of income or assets, and are not based on financial aid and do not require collateral, but applicants cannot have filed for bankruptcy,defaulted on student loans in the past or have any tax liens. PLUS loans are part of a federally subsidized educational loan program that allows families with college-aged children to borrow an amount up to the entire cost of the undergraduate college education,minus the sum covered by grants, scholarships or other financial aid. PLUS loans have flexible repayment options, giving borrowers up to ten years to repay. 

对于收入较高，没有资格申请助学金的的家庭而言，也有可供考虑的选择。最值得考虑的是联邦大学生父母贷款项目。这个项目采取浮动利息制，最高9%封顶，现在是4.17%.这些贷款不考虑收入或财产多少，也不是基于接受经济援助的多少或需要中介人，但是申请人必须是没有申请破产，没有不良还款记录或和税务滞留金负担的人。联邦大学生父母贷款项目是联邦资助的教育贷款项目的组成部分，这个项目允许有大学生年龄孩子的家庭借款，最高可达大学生上大学的全部费用，要减去所获得的助学金、奖学金和其他资助的总额。联邦大学生父母贷款有多种还款方式，为贷款者提供长达10年的还款期。