{"id":678,"date":"2012-01-05T10:39:01","date_gmt":"2012-01-05T18:39:01","guid":{"rendered":"http:\/\/www.smartandresponsible.com\/blog\/?p=678"},"modified":"2019-04-30T14:29:18","modified_gmt":"2019-04-30T22:29:18","slug":"maximizing-financial-aid-min-efc","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/maximizing-financial-aid-min-efc\/","title":{"rendered":"\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u3092\u591a\u304f\u3082\u3089\u3046\u3000-\u3000EFC\u306e\u6700\u5c0f\u5316"},"content":{"rendered":"

\u30ab\u30ec\u30c3\u30b8\u8cbb\u7528\u306e\u9ad8\u9a30\u304c\u53eb\u3070\u308c\u308b\u6628\u4eca\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u3092\u3067\u304d\u308b\u3060\u3051\u305f\u304f\u3055\u3093\u3082\u3089\u3044\u305f\u3044\u3068\u3044\u3046\u306e\u306f\u3001\u8ab0\u3082\u304c\u671b\u3080\u3068\u3053\u308d\u3067\u3057\u3087\u3046\u3002\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u306e\u3046\u3061\u3001\u3068\u304f\u306b\u30cb\u30fc\u30c9\u30fb\u30d9\u30fc\u30b9\u306e\u3082\u306e\u306b\u3064\u3044\u3066\u306f\u3001EFC(Expected Family Contribution\uff1d\u5bb6\u5ead\u306e\u8ca0\u62c5\u984d)\u3092\u4f4e\u304f\u3059\u308b\u3053\u3068\u304c\u3001\u30a8\u30a4\u30c9\u3092\u6700\u5927\u5316\u3059\u308b\u305f\u3081\u306e\u6700\u3082\u91cd\u8981\u306a\u7b2c\u4e00\u6b69\u3067\u3059\u3002\u3067\u306f\u3001EFC\u3092\u4f4e\u304f\u3059\u308b\u306e\u306b\u306f\u3069\u3046\u3057\u305f\u3089\u3044\u3044\u306e\u3067\u3057\u3087\u3046\u3002EFC\u3092\u6c7a\u3081\u308b\u8981\u7d20\u3068\u306a\u4f55\u306a\u306e\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n

EFC\u306e\u8a08\u7b97\u65b9\u6cd5\u306b\u306fFAFSA\u3068CSS\/Profile\u3068\u3044\u3046\u3075\u305f\u3064\u306e\u65b9\u6cd5\u304c\u3042\u308b\u3053\u3068\u306f\u4ee5\u524d\u306e\u30d6\u30ed\u30b0<\/a>\u3067\u3082\u3054\u8aac\u660e\u3057\u307e\u3057\u305f\u3002\u4eca\u56de\u306fFAFSA\u306e\u307b\u3046\u306b\u7126\u70b9\u3092\u3042\u3066\u3066\u541f\u5473\u3057\u3066\u307f\u307e\u3059\u3002\u3055\u3063\u305d\u304f\u3001EFC\u3092\u6c7a\u3081\u308b\u8981\u7d20\u306b\u306f\u3069\u3093\u306a\u3082\u306e\u304c\u3042\u308b\u306e\u304b\u898b\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

\u8981\u7d20\uff11\uff1a\u3000\u30ab\u30ec\u30c3\u30b8\u306b\u901a\u3046\u5b50\u3069\u3082\u306e\u6570\u3000<\/strong>\u2013\u3000\u300c\u3075\u305f\u308a\u3082\u540c\u6642\u306b\u5927\u5b66\u751f\u3067\u5927\u5909..\u300d.\u306f\u30e9\u30c3\u30ad\u30fc\uff01<\/strong><\/span><\/h2>\n

 <\/p>\n

EFC\u306b\u6700\u3082\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u306e\u306f\u306a\u3093\u3068\u3044\u3063\u3066\u3082\u3001\u305d\u306e\u5bb6\u5ead\u306e\u4e2d\u3067\uff08\u540c\u6642\u306b\uff09\u30ab\u30ec\u30c3\u30b8\u306b\u901a\u3046\u5b50\u3069\u3082\u306e\u6570\u3067\u3059\u3002<\/p>\n

\u4e0b\u306e\u8868\u3092\u3054\u89a7\u304f\u3060\u3055\u3044\u3002\u3053\u308c\u306f\u3001\u89aa\u306e\u53ce\u5165(Annual Income)\u3001\u4e16\u5e2f\u4eba\u6570(Number \u00a0in Family)\u3001\u89aa\u306e\u8cc7\u7523(Total Parent Assets)\u3054\u3068\u306bEFC\u304c\u3069\u306e\u3088\u3046\u306b\u5909\u5316\u3059\u308b\u304b\u30b7\u30e5\u30df\u30ec\u30fc\u30c8\u3057\u305f\u3082\u306e\u3067\u3059\u3002\u5de6\u5074\u306f\u30ab\u30ec\u30c3\u30b8\u306b\u901a\u3046\u5b50\u3069\u3082\u6570(Number in College)\u304c\u4e00\u4eba\u306e\u5834\u5408\u3001\u53f3\u5074\u306f\u4e8c\u4eba\u306e\u5834\u5408\u3067\u3059\u3002<\/p>\n

\"\"<\/a><\/p>\n

\u305d\u308c\u305e\u308c\u306e\u8868\u306e\u53f3\u4e0b\u306e\u8d64\u4e38\u3092\u6bd4\u3079\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002\u4ed6\u306e\u6761\u4ef6\u304c\u307e\u308b\u3067\u540c\u3058\u3067\u3082\u3001\u3075\u305f\u308a\u540c\u6642\u306b\u30ab\u30ec\u30c3\u30b8\u306b\u901a\u3046\u5bb6\u5ead\u3067\u306f\u3001\u3072\u3068\u308a\u3060\u3051\u306e\u5bb6\u5ead\u306b\u6bd4\u3079\u3066\u3001EFC\u304c\u534a\u5206\u8fd1\u304f\u307e\u3067\u4e0b\u304c\u3063\u3066\u3044\u308b\u306e\u304c\u304a\u308f\u304b\u308a\u3067\u3057\u3087\u3046\u3002\u3075\u305f\u308a\u540c\u6642\u306b\u901a\u3046\u3068\u3001\u30ab\u30ec\u30c3\u30b8\u8cbb\u7528\u3092\u652f\u6255\u3046\u306e\u306b\u4f7f\u3048\u308b\u3068\u5b9a\u7fa9\u3055\u308c\u308b\u53ce\u5165\u3084\u8cc7\u7523\u304c\uff12\u3067\u5272\u3089\u308c\u308b\u305f\u3081\u3001EFC\u306f\u6fc0\u6e1b\u3057\u307e\u3059\u3002\u5e74\u53ce\u304c$165,000\u3067\u3042\u3063\u3066\u3082\u3001\u3075\u305f\u308a\u540c\u6642\u306b\u901a\u3048\u3070\u3001\u5b9f\u8cea\u7684\u306b\u306f\u5e74\u53ce\u304c\u7d04$100,000\u3067\u3042\u308b\u306e\u3068\u540c\u3058\u304f\u3089\u3044\u306eEFC\u3092\u5f97\u3089\u308c\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3053\u3089\u304c\u3001\u300c\u81ea\u5206\u306e\u53ce\u5165\u304c\u591a\u3059\u304e\u308b\u3068\u601d\u3044\u8fbc\u307fFAFSA\u3092\u7533\u8acb\u3057\u306a\u3044\u3053\u3068\u306f\u3001\u975e\u5e38\u306b\u9ad8\u304f\u3064\u304f\u9593\u9055\u3044\u304b\u3082\u3057\u308c\u306a\u3044\u300d\u3068\u3044\u308f\u308c\u308b\u7406\u7531\u306e\u3072\u3068\u3064\u3067\u3059\u3002<\/p>\n

\u3068\u3044\u3063\u3066\u3082\u3001\u5b50\u3069\u3082\u306e\u6570\u3084\u5e74\u9f62\u306f\u4eca\u3068\u306a\u3063\u3066\u306f\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3067\u304d\u306a\u3044\u3067\u3059\u306d\u3002\u5b50\u3069\u3082\u3092\u51fa\u7523\u3059\u308b\u6642\u70b9\u304b\u3089\u3053\u3093\u306a\u3053\u3068\u3092\u8a08\u753b\u3059\u308b\u4eba\u3082\u3044\u306a\u3044\u3067\u3057\u3087\u3046\u3002\u3067\u3082\u4eca\u304b\u3089\u3067\u3082\u3067\u304d\u308b\u3053\u3068\u3082\u5c11\u3057\u306f\u3042\u308a\u307e\u3059\u3002<\/p>\n

\u30a2\u30e1\u30ea\u30ab\u3067\u306f\u3001\u9ad8\u6821\u5352\u696d\u5f8c\u30dc\u30e9\u30f3\u30c6\u30a3\u30a2\u306a\u3069\u3092\u3057\u305f\u308a\u6d77\u5916\u306b\u51fa\u305f\u308a\u3057\u3066\u304b\u3089\u5927\u5b66\u306b\u623b\u308b\u3072\u3068\u3082\u3044\u307e\u3059\u304c\u3001\u4e0a\u306e\u304a\u5b50\u3055\u3093\u304c\u305d\u306e\u3088\u3046\u306a\uff08\u6709\u610f\u7fa9\u306a\uff09\u304b\u305f\u3061\u3067\u5927\u5b66\u5165\u5b66\u3092\u9045\u3089\u305b\u3001\u4e0b\u306e\u304a\u5b50\u3055\u3093\u3068\u306e\u91cd\u8907\u5e74\u6570\u3092\u5c11\u3057\u3067\u3082\u5897\u3084\u305b\u308b\u3068\u3001EFC\u3068\u3044\u3046\u70b9\u3060\u3051\u304b\u3089\u8003\u3048\u308c\u3070\u5f97\u7b56\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

\u307e\u305f\u3001\u5927\u5b66\u306b\u3088\u3063\u3066\u306f\u5927\u5b66\u9662\u306b\u901a\u3046\u5b50\u3069\u3082\u3082\u300c\u30ab\u30ec\u30c3\u30b8\u306b\u901a\u3046\u5b50\u3069\u3082\u6570(Number \u00a0in College)\u300d\u306b\u542b\u3081\u3066\u8a08\u7b97\u3057\u3066\u304f\u308c\u308b\u3068\u3053\u308d\u3082\u3042\u308b\u3088\u3046\u3067\u3059\u3002\u3072\u3068\u308a\u5927\u5b66\u3001\u3072\u3068\u308a\u5927\u5b66\u9662\u3068\u3044\u3046\u306e\u306f\u6848\u5916\u3042\u308b\u30d1\u30bf\u30fc\u30f3\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002\u5927\u5b66\u9662\u306e\u5b50\u3069\u3082\u3082\u8a08\u7b97\u306b\u542b\u3081\u3066\u304f\u308c\u308b\u304b\u304f\u308c\u306a\u3044\u304b\u306f\u3001\u305d\u308c\u305e\u308c\u306e\u5927\u5b66\u306e\u30dd\u30ea\u30b7\u30fc\u306b\u3088\u308b\u3088\u3046\u3067\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u30fb\u30aa\u30d5\u30a3\u30b9\u306b\u78ba\u8a8d\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n

 <\/p>\n

\u8981\u7d20\uff12\uff1a\u3000\u53ce\u5165\u3000\uff0d\u3000\u8cc7\u7523\u3088\u308a\u53ce\u5165\u3092\u6e1b\u3089\u3059\u306e\u304c\u52b9\u679c\u7684<\/strong><\/span><\/h2>\n

 <\/p>\n

\u300c\u5927\u5b66\u306e\u305f\u3081\u306b\u8caf\u84c4\u3092\u3057\u3066\u3044\u308b\u3068\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u3092\u3082\u3089\u3046\u306e\u306b\u306f\u4e0d\u5229\u300d\u3068\u3044\u3046\u3053\u3068\u3070\u3092\u805e\u3044\u305f\u65b9\u3082\u3044\u3089\u3063\u3057\u3083\u308b\u3067\u3057\u3087\u3046\u3002\u8cc7\u7523\u3092\u6301\u3063\u3066\u3044\u308b\u3068\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u304c\u3082\u3089\u3048\u306a\u304f\u306a\u308b\u3068\u5fc3\u914d\u3059\u308b\u65b9\u3005\u304c\u3044\u3089\u3063\u3057\u3083\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u3042\u308b\u7a0b\u5ea6\u306f\u5f53\u305f\u3063\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u308c\u3070\u304b\u308a\u306b\u6c17\u3092\u3068\u3089\u308c\u308b\u306e\u306f\u9593\u9055\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u4e0a\u306e\u8868\u306e\u30aa\u30ec\u30f3\u30b8\u306e\u77e2\u5370\u3092\u3054\u89a7\u304f\u3060\u3055\u3044\u3002\u6a2a\u65b9\u5411\u3067\u306f\u8cc7\u7523\u984d\u304c\u5909\u5316\u3001\u7e26\u65b9\u5411\u3067\u306f\u53ce\u5165\u304c\u5909\u5316\u3057\u3066\u3044\u307e\u3059\u3002\u3069\u3061\u3089\u3082$25,000\u3054\u3068\u306b\u5024\u304c\u5897\u6e1b\u3057\u3066\u3044\u307e\u3059\u3002\u8cc7\u7523\u306e\u5897\u6e1b\u3088\u308a\u3001\u53ce\u5165\u306e\u5897\u6e1b\u306e\u307b\u3046\u306bEFC\u304c\u654f\u611f\u306b\u53cd\u5fdc\u3059\u308b\u306e\u304c\u304a\u308f\u304b\u308a\u3067\u3057\u3087\u3046\u304b\u3002\u8cc7\u7523\u304c$$100,000\u304b\u3089$75,000\u306b\u4e0b\u304c\u3063\u3066\u3082EFC\u306f$1,400\u3057\u304b\u4e0b\u304c\u308a\u307e\u305b\u3093\u304c\u3001\u5e74\u53ce$140,000\u304c$115,000\u306b\u4e0b\u304c\u308b\u3068$8,000\u3061\u304b\u304fEFC\u304c\u4e0b\u304c\u308a\u307e\u3059\u3002<\/p>\n

\u3053\u308c\u306fEFC\u306e\u8a08\u7b97\u306b\u304a\u3044\u3066\u3001\u8cc7\u7523\u306e\u3046\u3061\u6700\u9ad8\u3067\u3082\u305d\u306e<\/strong>5.64\uff05\u3057\u304b\u8a08\u7b97\u306b\u8003\u616e\u3055\u308c\u306a\u3044\u306e\u306b\u5bfe\u3057\u3001\u53ce\u5165\u306f\u6700\u9ad8\u3067\u305d\u306e47\uff05\u304c\u8a08\u7b97\u306b\u8003\u616e\u3055\u308c\u308b\u304b\u3089\u3067\u3059<\/strong>\uff08\u8003\u616e\u3055\u308c\u308b\uff05\u306f\u3001\u5e74\u53ce\u3068\u8cc7\u7523\u306e\u984d\u306b\u3088\u3063\u3066\u5909\u5316\u3057\u307e\u3059\uff09\u3002\u8cc7\u7523\u3092\u4f4e\u304f\u3059\u308b\u3053\u3068\u3082\u91cd\u8981\u3067\u3059\u304c\u3001\u53ef\u80fd\u306a\u3089\u3070\u53ce\u5165\u3092\u4f4e\u304f\u3059\u308b\u307b\u3046\u304c\u52b9\u679c\u304c\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u3060\u304b\u3089\u3063\u3066\u5e74\u53ce\u306f\u4e0b\u3052\u3089\u308c\u306a\u3044\u3063\u3066\uff1f\u3054\u3082\u3063\u3068\u3082\u3002\u5b9f\u969b\u3001\u8cc7\u7523\u3092\u6e1b\u3089\u3059\uff08\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u8cc7\u7523\u3092\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u306a\u3044\u8cc7\u7523\u306b\u5909\u3048\u308b\u306a\u3069\u3067\uff09\u307b\u3046\u304c\u3001\u5e74\u53ce\u3092\u6e1b\u3089\u3059\u3088\u308a\u7c21\u5358\u3067\u3059\u3057\u3001\u30c0\u30e1\u30fc\u30b8\u3082\u5c11\u306a\u3044\u3067\u3059\u306d\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u3067\u304d\u308b\u3053\u3068\u306f\u5c11\u3057\u306f\u3042\u308a\u307e\u3059\u3088\u3002<\/p>\n

\uff11\uff0e<\/strong>\u30dc\u30fc\u30ca\u30b9\u3084\u81e8\u6642\u53ce\u5165\u3092\u3082\u3089\u3046\u6642\u671f\u3092\u305a\u3089\u3059<\/strong><\/p>\n

\u305f\u3068\u3048\u3070\u3001\u30dc\u30fc\u30ca\u30b9\u3084\u81e8\u6642\u53ce\u5165\u306a\u3069\u3001\u3082\u3057\u3082\u3089\u3046\u6642\u671f\u3092\u305a\u3089\u3059\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u7533\u8acb\u306e\u30d9\u30fc\u30b9\u30fb\u30a4\u30e4\u30fc<\/span><\/strong>\uff08<\/span>\u30a8\u30a4\u30c9\u3092\u3082\u3089\u3046\u30a2\u30ab\u30c7\u30df\u30c3\u30af\u30fb\u30a4\u30e4\u30fc\u306e2\u5e74\u524d\u306e1\/1\u304b\u308912\/31\u307e\u3067\u3002\u3053\u306e\u9593\u306e\u8ca1\u52d9\u60c5\u5831\u304c\u30a8\u30a4\u30c9\u5be9\u67fb\u306e\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\u3002\u5927\u5b66\u306b4\u5e74\u5728\u5b66\u3059\u308b\u306e\u306a\u30894\u5e74\u306e\u30d9\u30fc\u30b9\u30fb\u30a4\u30e4\u30fc\u304c\u5b58\u5728\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\uff09\u306b\u306f\u3082\u3089\u308f\u306a\u3044\u3088\u3046\u306b\u3057\u307e\u3059\u3002\u6642\u671f\u304c\u305a\u308c\u305f\u3060\u3051\u3067\u3001\u305d\u306e\u5e74\u306e\u53ce\u5165\u3067\u306f\u306a\u304f\u306a\u308a\u3001\u7d50\u679c\u7684\u306bEFC\u306e\u8a08\u7b97\u306b\u542b\u307e\u308c\u306a\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n

\uff12\uff0e<\/strong>\u5024\u4e0a\u304c\u308a\u3057\u305f\u6295\u8cc7\u3092\u58f2\u3089\u305a\u3001\u5024\u4e0b\u304c\u308a\u3057\u305f\u3082\u306e\u3092\u58f2\u308b<\/strong><\/h5>\n

\u307e\u305f\u3001\u682a\u306a\u3069\u306e\u6295\u8cc7\u3092\u58f2\u308b\u3053\u3068\u306b\u3082\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002\u5b50\u3069\u3082\u304c\u5927\u5b66\u306b\u5165\u308b\u306e\u3067\u3001\u305d\u308d\u305d\u308d\u6295\u8cc7\u3057\u3066\u3044\u305f\u3082\u306e\u3092\u73fe\u91d1\u306b\u304b\u3048\u3088\u3046\u3068\u8003\u3048\u308b\u306e\u306f\u81ea\u7136\u306e\u3053\u3068\u306e\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u304c\u3001\u58f2\u5374\u306b\u3088\u308b\u30ad\u30e3\u30d4\u30bf\u30eb\u30fb\u30b2\u30a4\u30f3\u306f\u53ce\u5165\u306b\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u307e\u3059\u3002\u53cd\u5bfe\u306b\u3001\u3082\u3057\u5024\u304c\u4e0b\u304c\u3063\u305f\u6295\u8cc7\u3067\u3042\u308c\u3070\u3001\u58f2\u308b\u3053\u3068\u306b\u3088\u308a\u30ad\u30e3\u30d4\u30bf\u30eb\u30fb\u30ed\u30b9\u3068\u306a\u308a\u3001\u3053\u308c\u306f\u53ce\u5165\u3092\u3055\u3052\u308b\u52b9\u679c\u304c\u3042\u308a\u307e\u3059\u3002\u3054\u81ea\u8eab\u306e\u6295\u8cc7\u8a08\u753b\u3068\u306e\u517c\u306d\u5408\u3044\u306b\u3082\u3088\u308a\u307e\u3059\u304c\u3001\u4e00\u8003\u306e\u4f59\u5730\u306f\u3042\u308a\u307e\u3059\u3002<\/p>\n

\uff13\uff0e<\/strong>FSA\u3084HSA\u3092\u5229\u7528\u3059\u308b<\/strong><\/h5>\n

\u96c7\u7528\u4e3b\u304c\u798f\u5229\u539a\u751f\u306e\u4e00\u90e8\u3068\u3057\u3066\u3001FSA(Flexible Spending Arrangements)\u3084HSA(Health Savings Accounts)\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u306a\u3089\u3001\u5fc5\u8981\u306b\u5fdc\u3058\u3066\u5229\u7528\u3059\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u3053\u308c\u3089\u306e\u30a2\u30ab\u30a6\u30f3\u30c8\u3078\u306e\u5165\u91d1\u5206\u306f\u53ce\u5165\u304b\u3089\u5dee\u3057\u5f15\u304b\u308c\u308b\u306e\u3067\u3001\u7d50\u679c\u7684\u306b\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u53ce\u5165\u3092\u4f4e\u304f\u3057\u307e\u3059\u3002\u3061\u306a\u307f\u306b\u3001401(k)\u306a\u3069\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30fb\u30a2\u30ab\u30a6\u30f3\u30c8\u3078\u306e\u5165\u91d1\u306f\u3001\u7a0e\u63a7\u9664\u306e\u305f\u3081\u7a0e\u91d1\u3092\u4f4e\u304f\u306f\u3057\u307e\u3059\u304c\u3001EFC\u306e\u8a08\u7b97\u306e\u305f\u3081\u306e\u53ce\u5165\u304b\u3089\u306f\u5dee\u3057\u5f15\u304b\u308c\u307e\u305b\u3093\u3002<\/p>\n

\uff14\uff0e<\/strong>\u7a0e\u91d1\u3092\u591a\u304f\u6255\u3046<\/strong><\/h5>\n

\u7a0e\u91d1\u3092\u591a\u304f\u6255\u3046\u3053\u3068\u3067\u3001\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u53ce\u5165\u3092\u4e0b\u3052\u308b\u52b9\u679c\u304c\u5f97\u3089\u308c\u307e\u3059\u3002\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u306e\u305f\u3081\u306b\u308f\u3056\u308f\u3056\u7a0e\u91d1\u3092\u591a\u304f\u6255\u3046\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u53d7\u3051\u3089\u308c\u308b\u63a7\u9664\u3092\u4ed6\u306e\u5e74\u306b\u79fb\u3059\u3053\u3068\u3067\u3001\u7a0e\u91d1\u306e\u652f\u6255\u3044\u984d\u306e\u6642\u671f\u3092\u305a\u3089\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u30e1\u30c7\u30a3\u30ab\u30eb\u8cbb\u7528\u306a\u3069\u306e\u63a7\u9664\u3092\u30d9\u30fc\u30b9\u30fb\u30a4\u30e4\u30fc\u3067\u306f\u306a\u3044<\/span>\u5e74\u306b\u884c\u3044\u3001\u30d9\u30fc\u30b9\u30fb\u30a4\u30e4\u30fc\u306f\u63a7\u9664\u3092\u306a\u3057\u306b\u3059\u308b\u3053\u3068\u3067\u7d50\u679c\u7684\u306b\u7a0e\u91d1\u3092\u591a\u304f\u6255\u3046\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u306d\u3002\u307e\u305f\u3001\u30d9\u30fc\u30b9\u30fb\u30a4\u30e4\u30fc\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u306f\u3001ROTH-IRA\u306b\u3059\u308b\u3068\u3001Traditional-IRA\u308440(1)\u306b\u5165\u91d1\u3057\u305f\u3068\u304d\u306e\u3088\u3046\u306b\u7a0e\u91d1\u304c\u63a7\u9664\u3055\u308c\u307e\u305b\u3093\u304b\u3089\u3001\u7d50\u679c\u7684\u306b\u7a0e\u91d1\u304c\u591a\u304f\u306a\u308a\u307e\u3059\u3002\u3082\u3061\u308d\u3093\u3053\u306e\u3088\u3046\u306a\u65b9\u6cd5\u306f\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u9762\u3060\u3051\u3067\u306f\u306a\u304f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u3068\u3044\u3046\u89b3\u70b9\u304b\u3089\u3082\u541f\u5473\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n

\uff15\uff0e<\/strong>\u592b\u5a66\u3075\u305f\u308a\u3067\u50cd\u304f<\/strong><\/h5>\n

EFC\u306e\u8a08\u7b97\u3067\u306f\u3001\u52e4\u52b4\u306e\u305f\u3081\u306e\u8cbb\u7528\u63a7\u9664\uff08Employment Expense Allowance\uff09\u3068\u3044\u3046\u306e\u304c\u8a2d\u3051\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u592b\u5a66\u3075\u305f\u308a\u3067\u50cd\u3044\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u53ce\u5165\u306e\u4f4e\u3044\u307b\u3046\u306e<\/span>35\uff05\uff08$3,600\u3092\u9650\u5ea6\u3068\u3059\u308b\uff09\u304c\u63a7\u9664\u3067\u304d\u3001\u7d50\u679c\u7684\u306b\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u53ce\u5165\u304c\u4f4e\u304f\u306a\u308a\u307e\u3059\u3002\u89aa\u304c\u4e00\u4eba\u306e\u5bb6\u5ead\u3067\u306f\u3001\u305d\u306e\u4eba\u306e\u53ce\u5165\u306e35\uff05\uff08$3,600\u3092\u9650\u5ea6\u3068\u3059\u308b\uff09\u304c\u63a7\u9664\u3067\u304d\u307e\u3059\u3002\u3068\u3053\u308d\u304c\u3001\u592b\u5a66\u3075\u305f\u308a\u306e\u5bb6\u5ead\u3067\u3072\u3068\u308a\u3057\u304b\u50cd\u3044\u3066\u3044\u306a\u3044\u5834\u5408\u306f\u3001\u4f55\u3082\u63a7\u9664\u3067\u304d\u307e\u305b\u3093\u3002\u3053\u306e\u63a7\u9664\u3092\u6700\u5927\u306b\u6d3b\u7528\u3059\u308b\u306b\u306f\u3001\u50cd\u3044\u3066\u3044\u306a\u304b\u3063\u305f\u89aa\u304c\u6700\u4f4e\uff0410,286\uff08$3,600\u00f70.35\uff09\u53ce\u5165\u3092\u5f97\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u4e00\u4eba\u3060\u3051\u50cd\u3044\u3066$100,000\u5f97\u308b\u3088\u308a\u306f\u3001\u4e00\u4eba$90,000\u3001\u3082\u3046\u3072\u3068\u308a\u304c$10,000\u7a3c\u3044\u3060\u307b\u3046\u304c\u3001\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u53ce\u5165\u306f\u4f4e\u304f\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3068\u304f\u306b\u81ea\u55b6\u696d\u306e\u5834\u5408\u306a\u3069\u306f\u3001\u3082\u3046\u4e00\u4eba\u306e\u914d\u5076\u8005\u3092\u30d1\u30fc\u30c8\u3067\u96c7\u3046\u3053\u3068\u306b\u3088\u3063\u3066\u3001\u3053\u306e\u3088\u3046\u306a\u53ce\u5165\u306e\u5272\u308a\u632f\u308a\u304c\u53ef\u80fd\u306a\u30b1\u30fc\u30b9\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

\u8981\u7d20\uff13\uff1a\u3000\u8cc7\u7523\u3000\uff0d\u3000\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u8cc7\u7523\u3092\u6574\u7406\u3059\u308b<\/strong><\/span><\/h2>\n

 <\/p>\n

EFC\u306e\u8a08\u7b97\u3067\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u8cc7\u7523\u3068\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u306a\u3044\u8cc7\u7523\u306f\u3053\u3093\u306a\u304b\u3093\u3058\u3067\u3059\uff08FAFSA\u3092\u5ff5\u982d\u306b\u304a\u3044\u3066\u3044\u307e\u3059\uff09\u3002EFC\u3092\u6700\u5c0f\u5316\uff08\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u3092\u6700\u5927\u5316\uff09\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u8cc7\u7523\u3092\u3067\u304d\u308b\u3060\u3051\u5c11\u306a\u304f\u3059\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002\u305f\u3060\u3057\u3053\u308c\u306f\u3001\u975e\u5e38\u6642\u306e\u84c4\u3048\u306f\u5341\u5206\u304b\u3001\u5b66\u8cbb\u3084\u8eca\u306e\u8cfc\u5165\u306a\u3069\u8a08\u753b\u7684\u306b\u8caf\u3081\u3066\u304a\u304b\u306d\u3070\u306a\u3089\u306a\u3044\u3082\u306e\u306f\u306a\u306b\u304b\u306a\u3069\u3001\u5168\u4f53\u7684\u306a\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30d7\u30e9\u30cb\u30f3\u30b0\u3068\u5408\u308f\u305b\u3066\u7dcf\u5408\u7684\u306b\u541f\u5473\u3055\u308c\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n

\"\"<\/a><\/p>\n

\u3067\u306f\u3001\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u8cc7\u7523\u3092\u3067\u304d\u308b\u3060\u3051\u5c11\u306a\u304f\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u3069\u306e\u3088\u3046\u306a\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n

\uff11\uff0e<\/strong>\u5b50\u3069\u3082\u306e\u540d\u7fa9\u306b\u3057\u306a\u3044<\/strong><\/h5>\n

\u30ab\u30ec\u30c3\u30b8\u30fb\u30bb\u30fc\u30d3\u30f3\u30b0\u306a\u3069\u5b50\u3069\u3082\u306e\u305f\u3081\u306e\u8cc7\u91d1\u3060\u304b\u3089\u3068\u5b50\u3069\u3082\u306e\u540d\u7fa9\u306b\u3059\u308b\u3068\u8003\u3048\u308b\u306e\u306f\u3001\u81ea\u7136\u306e\u3053\u3068\u3067\u3059\u306d\u3002\u307e\u305f\u3001\u7a0e\u91d1\u5bfe\u7b56\u4e0a\u3001\u6295\u8cc7\u5546\u54c1\u306a\u3069\u3092\u5b50\u3069\u3082\u306e\u540d\u7fa9\u306b\u3059\u308b\u3068\u3044\u3046\u5834\u5408\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001EFC\u306e\u8a08\u7b97\u3067\u306f\u3001\u89aa\u306e\u8cc7\u7523\u306f\u6700\u9ad8\u3067\u30825.64\uff05\u3057\u304b\u8a08\u7b97\u306b\u542b\u307e\u308c\u306a\u3044\u306e\u306b\u5bfe\u3057\u3001\u5b50\u3069\u3082\u540d\u7fa9\u306e\u8cc7\u7523\u306f\u305d\u306e20\uff05\u304c\u8a08\u7b97\u306b\u542b\u307e\u308c\u307e\u3059\u3002\u540c\u3058$10,000\u306e\u84c4\u3048\u3067\u3082\u3001\u89aa\u540d\u7fa9\u3060\u3068\u6700\u9ad8\u3067$564\u3057\u304b\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u306a\u3044\u306e\u306b\u5bfe\u3057\u3001\u5b50\u3069\u3082\u540d\u7fa9\u3060\u3068$2,000\u3082\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u3066\u3057\u307e\u3044\u307e\u3059\u3002\u5b50\u3069\u3082\u540d\u7fa9\u306e\u3082\u306e\u306f\u3001\u3055\u3063\u3055\u3068\u4f7f\u3046\uff08\u5fc5\u8981\u306a\u3082\u306e\u306b\uff01\uff09\u3001\u3042\u308b\u3044\u306f\u540d\u7fa9\u3092\u66f8\u304d\u63db\u3048\u308b\u3053\u3068\u304c\u5f97\u7b56\u3067\u3059\u3002<\/p>\n

\uff12\uff0e<\/strong>\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30fb\u30a2\u30ab\u30a6\u30f3\u30c8\u3092\u6d3b\u7528\u3059\u308b<\/strong><\/h5>\n

\u4f59\u5270\u6d41\u52d5\u8cc7\u7523\u304c\u3042\u308b\u306e\u3067\u3042\u308c\u3070\u3001401(k)\u306a\u3069\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30fb\u30a2\u30ab\u30a6\u30f3\u30c8\u3078\u306e\u5165\u91d1\u984d\u3092\u5897\u3084\u3059\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u300c\u5b66\u8cbb\u306f\u501f\u308a\u3089\u308c\u308b\u304c\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306f\u501f\u308a\u3089\u308c\u306a\u3044\u300d\u3068\u306f\u591a\u304f\u306e\u5c02\u9580\u5bb6\u306e\u6307\u6458\u3059\u308b\u3068\u3053\u308d\u3002\u5b66\u8cbb\u3092\u5fc3\u914d\u3057\u306a\u304c\u3089\u3082\u81ea\u5206\u305f\u3061\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u3053\u3068\u306f\u304d\u3061\u3093\u3068\u8003\u3048\u3066\u304a\u304f\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30fb\u30a2\u30ab\u30a6\u30f3\u30c8\u306fFAFSA\u3067\u306f\u4e00\u5207\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u307e\u305b\u3093\u304b\u3089\u3001\u5b89\u5fc3\u3057\u3066\u84c4\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n

\uff13\uff0e<\/strong>\u5bb6\u306e\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u7e70\u308a\u4e0a\u3052\u8fd4\u6e08\u3059\u308b<\/strong><\/h5>\n

FAFSA\u3067\u306f\u5bb6\u306e\u30a8\u30af\u30a4\u30c6\u30a3\u30fc\uff08\u5e02\u5834\u4fa1\u683c\u304b\u3089\u30e2\u30fc\u30b2\u30fc\u30b8\u984d\u3092\u5dee\u3057\u5f15\u3044\u305f\u3082\u306e\uff09\u306f\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u307e\u305b\u3093\u304b\u3089\u3001\u4f59\u5270\u6d41\u52d5\u8cc7\u91d1\u304c\u3042\u308b\u306e\u306a\u3089\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u7e70\u308a\u4e0a\u3052\u8fd4\u6e08\u3059\u308b\u3053\u3068\u3082\u4e00\u7b56\u3067\u3059\u3002\u3053\u308c\u306b\u3088\u3063\u3066\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u8cc7\u7523\u3092\u5c11\u306a\u304f\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u79c1\u7acb\u5927\u5b66\u3067\u306f\u30a8\u30af\u30a4\u30c6\u30a3\u30fc\u304c\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u3053\u3068\u304c\u307b\u3068\u3093\u3069\u3067\u3059\u304b\u3089\u3001\u79c1\u7acb\u5927\u5b66\u3082\u53d7\u9a13\u3059\u308b\u5834\u5408\u306f\u541f\u5473\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n

\uff14\uff0e<\/strong>\u4ed6\u306e\u8ca0\u50b5\u3092\u8fd4\u6e08\u3059\u308b<\/strong><\/h5>\n

\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u8ca0\u50b5\u3084\u8eca\u306e\u30ed\u30fc\u30f3\u306a\u3069\u8ca0\u306e\u8cc7\u7523\u304c\u3044\u304f\u3089\u3042\u3063\u3066\u3082\u3001EFC\u306e\u8a08\u7b97\u3067\u6b63\u306e\u8cc7\u7523\u3092\u6e1b\u3089\u3059\uff08\u76f8\u6bba\u3055\u308c\u308b\uff09\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3064\u307e\u308a\u3001\u4f59\u5270\u8cc7\u7523\u304c\u3042\u308b\u306e\u306a\u3089\u3001\u8ca0\u50b5\u306e\u8fd4\u6e08\u306b\u56de\u3059\u3053\u3068\u306b\u3088\u3063\u3066\u3001EFC\u306e\u8a08\u7b97\u306b\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u8cc7\u7523\u3092\u6e1b\u3089\u3059\u307b\u3046\u304c\uff08EFC\u306e\u70b9\u3060\u3051\u304b\u3089\u3059\u308c\u3070\uff09\u5f97\u7b56\u3067\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u3001$20,000\u306e\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30fb\u30d5\u30a1\u30f3\u30c9\uff08\u6295\u8cc7\u4fe1\u8a17\uff09\u3092\u89e3\u7d04\u3057\u3066\u3001\u8ca0\u50b5\u306e\u8fd4\u6e08\u306b\u56de\u3059\u3068\u3001$1,128\uff08$20,000×0.0564\uff09\u5206\u3060\u3051EFC\u3092\u6e1b\u3089\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u6295\u8cc7\u3092\u58f2\u308b\u3053\u3068\u306f\u3001\u5148\u306e\u53ce\u5165\u306e\u30bb\u30af\u30b7\u30e7\u30f3\u306b\u3082\u66f8\u304d\u307e\u3057\u305f\u3068\u304a\u308a\u3001\u30ad\u30e3\u30d4\u30bf\u30eb\u30fb\u30b2\u30a4\u30f3\u3092\u5f15\u304d\u8d77\u3053\u3057\u7d50\u679c\u7684\u306b\u53ce\u5165\u3092\u5897\u52a0\u3055\u305b\u308b\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u3002\u305d\u306e\u5834\u5408\u306f\u3001\u3053\u306e\u3088\u3046\u306a\u8fd4\u6e08\u3092\u30d9\u30fc\u30b9\u30fb\u30a4\u30e4\u30fc\u306b\u3059\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u305d\u308c\u4ee5\u524d\uff08\u30cf\u30a4\u30b9\u30af\u30fc\u30eb\u306e\u30bd\u30d5\u30e2\u30a2\u307e\u3067\u306e\u9593\uff09\u306b\u7d42\u3048\u3066\u304a\u304f\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002\u3053\u308c\u304c\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u306e\u30d7\u30e9\u30cb\u30f3\u30b0\u306f\u5341\u5206\u65e9\u3081\u306b\u59cb\u3081\u308b\u5fc5\u8981\u304c\u3042\u308b\u3068\u3044\u308f\u308c\u308b\u7406\u7531\u306e\u3072\u3068\u3064\u3067\u3059\u3002<\/p>\n

\uff15\uff0e<\/strong>\u3086\u304f\u3086\u304f\u8cb7\u308f\u306d\u3070\u306a\u3089\u306a\u3044\u3082\u306e\u3092\u7e70\u308a\u4e0a\u3052\u8cfc\u5165\u3059\u308b<\/strong><\/h5>\n

\u305f\u3068\u3048\u3070\u5bb6\u306e\u5c4b\u6839\u3092\u305d\u308d\u305d\u308d\u65b0\u3057\u304f\u305b\u306d\u3070\u306a\u3089\u306a\u3044\u3001\u8eca\u3092\u8cb7\u3044\u66ff\u3048\u306d\u3070\u306a\u3089\u306a\u3044\u3001\u8eca\u306e\u4fee\u7406\u3092\u305b\u306d\u3070\u306a\u3089\u306a\u3044\u3001\u30b3\u30f3\u30d4\u30e5\u30fc\u30bf\u3092\u8cb7\u308f\u306d\u3070\u306a\u3089\u306a\u3044\u306a\u3069\u3001\u3086\u304f\u3086\u304f\u5fc5\u305a\u5fc5\u8981\u306b\u306a\u308b\u7d4c\u8cbb\u304c\u3042\u308b\u306e\u306a\u3089\u3001FAFSA\u3092\u7533\u8acb\u3059\u308b\u4ee5\u524d\u306b\u601d\u3044\u5207\u3063\u3066\u3084\u3063\u3066\u3057\u307e\u3046\u3068\u3044\u3046\u306e\u3082\u4e00\u7b56\u3067\u3059\u3002\u3086\u304f\u3086\u304f\u4f7f\u308f\u306d\u3070\u306a\u3089\u306a\u3044\u304a\u91d1\u306a\u3089\u3001FAFSA\u7533\u8acb\u306e\u524d\u306b\u4f7f\u3063\u3066\u3057\u307e\u3063\u305f\u307b\u3046\u304c\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u3092\u5897\u3084\u3059\u306e\u306b\u8ca2\u732e\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n

 <\/p>\n

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