很多中国优秀的学生在国内就读完本科之后，选择去麻省理工学院继续攻读硕士课程，那么费用是怎样的呢?跟着出国留学网一探究竟吧。
一、费用预算
Creating a budget is surprisingly simple. At its most basic, you are determining the difference between your earnings and your expenses. You should aim to at least break even, but having some money left over at the end of each month is ideal.Your actual expenses will vary depending on your academic program as well as your choices of dining and housing options, travel, other personal expenses, etc.
创建预算非常简单。从最基本的角度来看，您正在确定您的收入和支出之间的差异。你的目标应该至少是平衡的，但是在每个月底剩下一些钱是理想的。您的实际费用将取决于您的学术计划以及您选择的餐饮和住房选择、旅行、其他个人开支等。
MIT财政援助预算MIT Financial Aid Budget
If you need to borrow student loans from federal or private sources, those loans combined with any other sources of funding for your education may not exceed your cost of attendance for the academic year. The figures below are the standard amounts budgeted for most graduate students at MIT. These figures are for a 9 month academic year and would change based on actual enrollment. These numbers are informational only. To receive your budget for student loan eligibility, please follow the instructions under Applying for Aid.
如果您需要从联邦或私人来源借用学生贷款，这些贷款与其他任何资金来源相结合，可能不会超过您在学年的出勤费用。下面的数字是麻省理工学院大多数研究生预算的标准金额。这些数字是每学年9个月的相关费用，并会根据实际入学情况而变化。这些数字只是信息。要获得学生贷款资格的预算，请按照“ 申请援助”中的说明进行操作。
Tuition1: $49,580
Student activity fee: $312
Housing (on-campus)2: $15,750
Meals3: $5,300
Books & Supplies: $2,550
Personal Expenses4: $6,508
Transportation: $2,750
学费：49,580美元
学生活动费用：312美元
住房(校内)： 15,750美元
膳食：5,300美元
书籍和用品： 2,550美元
个人开支： 6,508美元
交通费用：2,750美元
1.Tuition amounts are set by the Registrar's Office and vary by academic program. Please confirm your tuition rate with your program directly. All graduate students in the Sloan School of Management are subject to a different base tuition rate than the figure listed above.
2.For information on actual housing options, please see the Housing Office’s website.
3.This is the budget figure suggested by Campus Dining for 32 weeks on campus per academic year.
4Our budget for personal expenses includes the full cost of health insurance for the student. Some form of hospital insurance is required by Massachusetts law. As part of the basic tuition fee, MIT provides the basic Student Medical Plan but also charges all students for the Student Extended Insurance Plan, which provides hospitalization coverage. However, students who can demonstrate that they already have comparable coverage under another insurance program are granted a waiver from the Student Extended Insurance Plan. There are additional charges for coverage of partners and dependents under both the Student Medical Plan and the Extended Student Insurance Plan. MIT Medicalmaintains a chart of rates for students and their families.
1.学费金额由注册办公室制定，并根据学术课程而有所不同。请直接与您的申请的课程的相应的办公室来确认您的学费。斯隆管理学院的所有研究生的基础学费比例都不同于上面列出的数字。
2.有关实际住房选择的信息，请参阅房屋办公室的网站。
3.这是校园餐饮在校园内每学年32周的预算数字。
4.我们的个人支出预算包括学生的全部健康保险费用。马萨诸塞州的法律要求提供某种形式的医院保险。作为基本学费的一部分，麻省理工学院提供了基本的学生医疗计划，但也收取所有学生的学生延长保险计划，提供住院保险。但是，如果学生证明他们已经在另外一个保险计划下具有可比较的保险范围，则可以从学生延长保险计划中获得豁免。“学生医疗计划”和“延长学生保险计划”中的合作伙伴和受抚养人的额外费用。麻省理工学院医学院为学生及其家庭保留一张费率表。
二、资助费用
Once you have received your financial aid award, review the amount we are budgeting for each category. In most cases, we will not be able to increase any of the amounts listed. If you need more money in one category, you will need to reduce the amount you are spending in another.If you will be borrowing student loans, first determine how much you will need to borrow. If your rent is less than what we have budgeted, and you don’t believe you will need more than what we have budgeted for any other category, only borrow the amount you need instead of the full amount you are eligible for.
一旦您获得了您的经济援助奖励，请查看每个类别的预算金额。在大多数情况下，我们将无法增加任何列出的金额。如果你需要更多的钱在一个类别，你将需要减少你在另一个消费的金额。如果你需要借贷学生贷款，首先确定你需要借多少钱。如果您的租金低于我们的预算，而且您不认为您需要比其他任何类别的预算还多的钱，那么您只需借入您所需的数额，而不是您有资格获得的全部数额。
Income:Keep track of your various income sources. This may include wages from work, savings, gifts, or loans. Make sure to capture your net income, the amount you actually take home and not your gross income, your stated earnings before taxes are removed. Determine when your funds will hit your bank or student account. If you are borrowing loans, keep in mind that loan fees may slightly reduce the amount you will receive. Most student loans are split evenly between all terms you will be registered for in an academic year, and will be disbursed at the right time to make your semester payments, however you must be registered for the term first.
收入：跟踪你的各种收入来源。这可能包括工作、储蓄、礼物或贷款的工资。确保获得您的净收入，实际收入的金额，而不是您的总收入，您的税前说明的收入我们将不会计算在内。确定您的资金将何时打到您的银行或学生帐户。如果您借贷，请记住贷款费用可能会稍微减少您将收到的金额。大多数学生贷款平均分配在一个学年你将注册的所有条款，并将在适当的时间发放学期付款，但是你必须首先注册。
Totaling Your Budget:Total your costs and income to see if you have enough funds to cover your budget. If you’re in the red (over spending) you should go back and modify your budget and re-calculate. When making modifications, figure out what out-of-pocket expenses are needs and what are wants.If you have been able to break even, you have a realistic budget to follow. And if you have savings left over you can think about setting up an emergency fund or saving for your future.Make sure to stick to your predetermined spending. Developing good spending habits now will help you far into the future.
预算总计:总计你的成本和收入，看你是否有足够的资金来支付你的预算。如果您处于赤字状态(超出支出)，则应该返回并修改您的预算并重新计算。在进行修改时，弄清楚实际需要的费用和需求是什么。如果你能够盈亏平衡，那么你就有一个切合实际的预算。如果你有剩余的储蓄，你可以考虑设立一个应急基金或为未来储蓄。确保坚持您的预定支出。养成良好的消费习惯，将会帮助你走向未来。
The budget we use to determine your financial need approximates the price of attending MIT for one year. Your actual costs will depend on a number of personal factors, including your housing and dining options, as well as other individual expenses. The majority of expenses incurred are billed through MIT. These can include tuition, the student life fee, health insurance (if you remain on the MIT plan), on-campus housing, dining plans or TechCASH. The remaining expenses are not billed through MIT, but are out-of-pocket purchases you make for books, supplies, personal expenses and travel.We do not change a student’s budget based on your individual expenses. Whether you end up spending more or less than our allowances, your financial need and financial aid award stay the same.Today, six out of every 10 students receive MIT need-based aid. The average price they pay for tuition, fees, books, supplies, room, board and other expenses is about $23,000—considerably lower than our published price of $67,430.Tuition & Fees
我们用来确定您的经济需求的预算可以保证基本接近您的实际消费。但是您的实际费用将取决于一些个人因素，包括您的住房和餐饮选择以及其他个人支出。大部分费用都是通过大学内收取的。其中包括学费、学生生活费、健康保险(如果你仍然在麻省理工学院的计划)，在校住房，餐饮计划或TechCASH。剩下的费用不是通过麻省理工学院收取的，而是您为书本、用品、个人开支和旅行自费购买的。我们不会根据您的个人开支来更改学生的预算。无论您最终支出多于或少于津贴，您的经济需求和财政援助奖励保持不变。
今天，每十名学生中就有六名获得麻省理工学院的需求援助。他们支付的学费、书本费用、生活用品费用、住房费用、董事会和其他费用的平均价格大约是23000美元，比我们公布的价格67430 美元低得多。
家庭资助
Your total Expected Family Contribution (EFC) is a combination of what we expect you and your family to contribute to your education for one year. We use a variation of the College Board's methodology to determine eligibility for MIT undergraduate scholarships. We use Federal Methodology to determine eligibility of federal student financial assistance for undergraduate students.
您的预期家庭资助是我们期望您和您的家庭为您的教育贡献一年的组合。我们使用大学理事会的方法来确定MIT本科生奖学金的资格。我们使用联邦方法来确定联邦学生对本科生资助的资格。
学生捐赠
Part of your EFC is a dedicated student donation. For most college students, the standard contribution is expected to be $2,000 in summer.
你的EFC的一部分是一个专门的学生捐赠。对于大多数大学生来说，标准捐赠金额是夏季学期最低收入预期为2000美元。
自助金额
The first $3,400 of your financial need is designated as self-help. You are expected to meet this amount through a combination of outside scholarships or grants (including Pell Grants), student loans or term-time work earnings. If your need is greater than $3,400, we award you an MIT scholarship.Many students easily make this amount by "UROPing" or doing research through the Undergraduate Research Opportunities Program. Although we encourage MIT students to consider term-time work in order to meet their self-help, some students prefer maximizing their student loan eligibility.
首先你的财务需要3400美元被指定为自助。您需要通过外部奖学金或助学金(包括佩尔助学金)，学生贷款或期限工作收入的组合来满足这一数额。如果您的需要超过3,400美元，我们会授予您麻省理工学院的奖学金。
很多学生很容易通过“UROPING”或通过本科生研究机会计划进行研究。尽管我们鼓励麻省理工学院的学生为了满足他们的自助而考虑短期工作，但有些学生更愿意最大限度地提高他们的学生贷款资格。
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