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Thinking Ahead: Hawaii Pacific University

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by

kayla tymous

on 16 December 2014

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Transcript of Thinking Ahead: Hawaii Pacific University

College Expenses
Clothing
Utilities
Career
•Unlimited talk, text and web
•Unlimited high-speed data on our network. Up to 2.5GB of Smartphone Mobile HotSpot (SMH) service.
•International roaming

- $70 per month

. Huffy Cranbrook 17" Beach Cruiser
. 17 min. bike ride from apt. to work
. It's only an 8 min. car ride, and 32 min. if I were to walk, so purchasing a bike seemed like the best choice. Plus, why drive, when you can enjoy the Hawaiian island breeze?


TOTAL TRANSPORTATION COST: $70
Job: Vector Marketing- Sales/Customer Service

Entry-Level: $14.25 per hour M-F from 9am-5pm

Monthly Net Income: $1,723

$20,676 Per Year
Thinking Ahead: Hawaii Pacific University
. 1 Bedroom, 1 full bathroom apartment located right outside of town
. Includes a washer and dryer, Oven, refrigerator, Water, Sewer, and Electricity

Cost Per Month: $850
Housing
LOANS
Cost per year : $20,080

Total Cost: $80,320

Total Loan Amount: $60,240

Loan Payment per month: $638.94
Subsidized Stafford
Eligibility

. Students who demonstrate financial need and are:

- U.S. citizens or eligible non-citizens.
- Enrolled at least half time in an eligible degree or certificate program
Loan Limits

- Undergraduate independent and dependent students can borrow a maximum of $23,000. This includes:
- Up to $3,500 in their first year.

- Up to $4,500 in their second year.

- Up to $5,500 in their third year and beyond.

Interest Rate

- For undergraduates:

- Loans disbursed before July 1, 2008, and loans disbursed on or after July 1, 2012 have an

interest rate of 6.8%.

- Loans disbursed on or after July 1, 2008, and before July 1, 2009, have an interest rate of 6%. Ä

- Loans disbursed on or after July 1, 2009, and before July 1, 2010, have an interest rate of

5.6%.

- Loans disbursed on or after July 1, 2010, and before July 1, 2011, have an interest rate of

4.5%.

- Loans disbursed on or after July 1, 2011, and before July 1, 2013, have an interest rate of

3.4%.
 Loan Limits  Dependent Undergraduate Students  The base amount can be:   Up to $3,500 in the borrower's first year of school.   Up to $4,500 in the second year.  . Up to $5,500 in the third year and beyond.  However, if the student’s aid has not exceeded the cost of attendance, the student can be eligible for up to an additional $2,000 per

year in unsubsidized funds.  With an additional $2,000 unsubsidized loan per year, dependent undergraduate students can borrow up to a maximum of

$31,000 in Stafford loans. Of that $31,000, no more than $23,000 may be in subsidized funds.  Undergraduate Independent Students and Dependent Students Whose Parents Are Unable to Obtain a PLUS Loan  Undergraduate independent students and dependent students whose parents are unable to obtain a PLUS loan can

borrow a base amount of Stafford loans. These can be either subsidized or unsubsidized, depending on the student's

need.  The base amount can be:   Up to $3,500 in their first year of school.   Up to $4,500 in their second year.   Up to $5,500 in their third year and beyond.  Additionally, if the student’s aid has not exceeded the cost of attendance, the student can be eligible for unsubsidized funds of:   Up to an additional $6,000 in their first and second years.   Up to an additional $7,000 in their third year and beyond.  Undergraduate independent students and dependent students whose parents are denied PLUS loans can borrow up to a maximum

of $57,500 in Stafford loans.  Graduate Students   As of July 1, 2012, all Stafford loans for graduate students are unsubsidized.   Students may borrow up to $20,500 per year.Ä

Unsubsidized Stafford

Interest Rate

 . Loans disbursed on or after July 1, 2006 and before July 1, 2013, have

an interest rate of 6.8% for undergraduate and graduate loans.

  Loans disbursed on or after July 1, 2013 and before July 1, 2014, have

an interest rate of 3.9% for undergraduate unsubsidized Stafford loans.

  Loans disbursed on or after July 1, 2013 and before July 1, 2014, have

an interest rate of 5.4% for graduate unsubsidized Stafford loans.

  Interest accrues upon disbursement of loan funds and can be paid

monthly or quarterly during the in-school period

 The borrower can choose to allow interest to accrue while in school, but

interest will be capitalized, which means it is added to the principal (the

base amount borrowed).
Unsubsidized Stafford
Perkins
Eligibility

 Undergraduate and graduate students who demonstrate exceptional financial need

and are:

  U.S. citizens or eligible non-citizens.

  Enrolled at least half time in an eligible degree or certificate program.

 Loan Limits

 . Undergraduates can borrow up to $5,500 a year, for a maximum of

$27,500.

  Graduate students can borrow up to $8,000 per year, for a maximum

of $60,000.

 Interest Rates

 The interest rate is fixed at 5%. Interest is paid by the federal government while

the borrower is:

  In school.

  In a grace period.

 . In an approved deferment period.
Parent PLUS
 Eligibility

 Natural or adoptive parents or stepparents (in some cases) and legal guardians of eligible

dependent undergraduate students who are:

  U.S. citizens or eligible non-citizens.

  Enrolled at least half time in an eligible degree or certificate program.

 Borrowers must have credit in good standing. A co-signer may be required.

 Parent PLUS loans are not based on financial need.

 Loan Limits

 Parents can borrow up to the total cost of attendance at the student’s school (as determined by

the school), minus all other aid received.

 These loans have no annual or total borrowing limit.

 Interest Rate

 All Parent PLUS loans disbursed on or after July 1, 2010, and before July 1, 2013, have a fixed interest rate of 7.9%.Ä

 Parent PLUS loans disbursed on or after July 1, 2013 and before July 1, 2014, have

an interest rate of 6.4%.

 PLUS loans originated under the Federal Family Education Loan Program (FFELP)

had a fixed interest rate of 8.5%. As of July 1, 2010, there are no FFELP loans.
Cell Phone: T-Mobile
High-Speed Internet + HDTV
- Internet download speeds up to 6.0 Mbps
- Up to 130 channels available
- HD-Ready Total Home DVR® included

- $59 per month
TOTAL UTILITY COST: $129
Sun
Mon
Tues
Wed
Thurs
Fri
Sat
Breakfast
Lunch
Dinner
Cereal and milk
Banana
Bagel
Green Tea
+
+
Scrambled eggs w/ Cheese
+
Milk
Oatmeal
+
Milk
Cereal and milk
+
Apple
Scrambled eggs
+
potatoes
Oatmeal
Turkey Sandwich + Cucumber
Caesar Salad + orange
Egg over rice
Turkey sandwich + apple
Caesar Salad + Banana
Hard-boiled eggs + Ham sandwich
Egg over rice
Chicken and rice
Sausage and onions w/ rice
Canned Soup
Spaghetti w/ Bread
Shin Ramen w/ Rice and egg
Spaghetti w/ Bread
Spaghetti w/Bread
FOOD LIST
- Bread : $7.80
- Shin Ramen: $4.37
- Canned Soup: $17.64
- Oatmeal: $2.88
- Cereal: $7.36
- Apples: $8.50
- Oranges: $8.50
-Bananas: $4.35
- Turkey: $4.72
- Salad: $5.05
- Spaghetti Noodles: $2.56
- Sausage: $6.30
Tomato Sauce: $2.14
Eggs: $3.75
Ham: $4.72
Onions: $4.19
Potatoes: $8.70
Rice: $17.04
Milk: $3.50
Green Tea: $1.83
Chicken: $8.50
Cucumber: $3.20
Cheese: $3.83
Bagels: $6.45
TOTAL MONTHLY COST: $145.13
Monthly Products
Shampoo: $3.79

Conditioner: $3.79

Toilet Paper: $4.29

Deodorant: $4.89

Paper Towels: $4.79

Dish Soap: $3.49

Laundry Detergent: $5.49

Tooth Paste: $5.29

Mousse: $3.99

Entertainment/Recreation
1) Regal Theaters Dole Cannery 18
Adult ticket price: $11.00
Frequency: Once every 2 months, 6 times a year

2) Walk the coastline of Waikiki Beach (2 miles)
FREE~

3) Swim in the Ko Olina Beach Lagoon
FREE~


4) Visit the Pearl Harbor Pacific Aviation Museum (2 hr Aviator's Tour)
Adult ticket price: $30
Frequency: Once

5) Hanauma Bay snorkeling
$20
Frequency: Once every 3 months, 4 times a year
TOTAL RECREATIONAL COST PER Year: $ 176 ($14.67 per Month)
Health Care
Savings
Retirement
Vacation

Emergencies
$43.08
$112.23
$90.20
Total Set Aside per Month: $245.51
Education
Monthly Loan Payments: $212.98

$212.98 x 12 Months= $2,555.76


$2555.76 x 8.2= $20,957


The full loan amount, $20,080 will be paid after about 8.2 Years (About 98 payments).


Miscellaneous
1) Travel
I plan to visit my parents during Christmas/ New Years and possibly on my birthday or some other holiday.
Cost of two round trip tickets: $1,422
2) Pets
I plan to adopt a female german shepherd puppy in Hawaii.
Cost of one: $350
3)Medicine
-Tylenol: $4.99
-Advil: $6.49
-Robitussin: $16.79

4) Donation
American Society for the Prevention of Cruelty to Animals (ASPCA)
$25 per Month
TOTAL MISC. COST PER YEAR: $2100.27
TOTAL MISC. COST PER MONTH: $175.02
By: Kayla Tymous
Works Cited
http://www.bankrate.com/calculators/college-planning/loan-calculator.aspx
https://bigfuture.collegeboard.org/college-university-search/hawaii-pacific-university?searchType=bf_site&q=&bf_cat=bf_
http://www.trulia.com/rental/3139650291-1612-Nuuanu-Ave-Honolulu-HI-96817#photo-2
http://honolulu.craigslist.org/oah/bik/4209665151.html
http://www.mapquest.com/
http://www.t-mobile.com/cell-phone-plans/individual.html
http://www.buyatt.com/bundles/?cpid=42311&gclid=CPbDqvHxqbsCFTRo7AodSnYAGw
http://www.aeropostale.com/product/index.jsp?productId=28760726&cp=3534618.3534619.3534623.3541050.3536152.4330109.4401833
http://www.aeropostale.com/product/index.jsp?productId=20593526&cp=3534618.3534619.3534623.3541050.3536152.11327055.11331562
http://www.aeropostale.com/product/index.jsp?productId=23285356&cp=3534618.3534619.3534624.3542203.3536103.11327010.11331585
http://www.target.com/p/mossimo-supply-co-junior-s-boyfriend-scoop-tee-assorted-colors/-/A-14347765#prodSlot=large_2_4
http://www.walmart.com/ip/Celestial-Dreams-Women-s-Long-Sleeve-Notch-Collar-Top-and-Sleep-Pant-PJ-Set/25139649
http://www.walmart.com/ip/Fruit-of-the-Loom-Seamed-Wirefree-Bra-Style-96825-2-Pack/25391602
http://www.walmart.com/ip/Best-Fitting-Women-s-Hipsters-6-pack/28804691
https://www.converse.com/regular/chuck-taylor-classic-colors/MP_51.html?dwvar_MP__51_color=chocolate&dwvar_MP__51_size=050
http://www.walmart.com/ip/Starter-Pro-Men-s-Lightweight-Running-Sneaker/24626851
http://www.walmart.com/ip/25582175
https://www.walmart.com/cart2/cart.do
https://www.walgreens.com/store/checkout/cart.jsp
https://tickets.fandango.com/transaction/ticketing/express/ticketboxoffice.aspx?row_count=30704590&mid=169228&tid=AANGE
http://www.honolulu.worldweb.com/SightsAttractions/Beaches/
http://www.trekaroo.com/activities/ko-olina-beach-lagoons-honolulu-hawaii
http://www.pacificaviationmuseum.org/buytickets
http://www.fun-hawaii.com/island-oahu/tours/hanauma-bay/hanauma-bay.htm
https://www.ehealthinsurance.com/ehi/individual/cart-summary
http://www.priceline.com/airlines/fareResults.do?session_key=464A200A544A200A20131212085057663910218877&pagesrc=nyop&plf=pcln&jarmkey=564A200A574A200AeWc%3DIgVAWkWDitDHmJVIgA2715&INIT_SESSION=true&ptc=y&pgnm=DEPARTURE
http://www.dogsnow.com/dog-ad-o3542993397
https://www.cvs.com/checkout/fs/shoppingcart_items.jsp
https://www.aspca.org/secure/rk-gn-p2?&ms=MP_PMK_Googlebrand-T4&initialms=MP_PMK_Googlebrand-T4&pcode=WRKDAXXGOGN2PKXXXXX4&lpcode=WRKDAXXGOGN1PKXXXXX4&utm_medium=PPC&utm_campaign=PMK&utm_source=Googlebrand-T4&creative=35195668587&adpos=1t3&device=c&network=g&matchtype=b&gclid=CMSlkLytqrsCFTJp7Aod7GYA_A&mpch=ads

Bottoms: 5 jeans- $81.75
2 shorts- $24
Tops/Outerwear: 1 Longsleeve- $19.75
10 T-shirts- $60
Undergarments/Pajamas: 1 Pajama- $12
8 Bras- $48
12 Underwear- $20
Shoes: 1 Pair of Converse- $50
1 Pair of running Shoes: $16.88
Total Cost per year: $332.38
Total Cost per month: $27.70
TOTAL MONTHLY COST: $47.43
Body Soap: $3.99

Face Wash: $6.29

Body Lotion: $1.49

Pads: $3.99




FOOD
Transportation
Full transcript