Midk.dk

Midt i Danmark dot DK

Klar leveomkostningerne på studiet

Det er som sådan gratis at tage en uddannelse i Danmark, ja du får faktisk penge for det i form af en SU i forskellig størrelse alt efter om du bor hjemme eller ude. Men det at tage en længere varig uddannelse, samtidig med at skulle flytte hjemmefra kan godt være en bekostelig affære.

Man skal pludselig have penge til husleje, faste udgifter, mad og penge til at deltage i de mange sociale aktiviteter, der foregår når man starter nye steder. SU’en dækker ikke altid dette og man siger at man i gennemsnit skal have en indtægt på over 6.000 kroner om måneden efter skat for at flytte hjemme. Det er under hvad du kan få i SU, så lån penge til uddannelse i stedet for, lyder rådet.

Det kan man gøre på flere måder, men det klart bedste måde at låne penge til sin uddannelse er gennem det dertil indrettede SU lån. Her kan du låne penge, svarende til hvad du ville kunne få ved at have et fritidsjob ved siden af, til en lav rente og først betale af, efter sin uddannelse.

Det er et meget populært valg blandt de mange studerende på landets universiteter, da man sjældent har tid til at skulle lægge en 10-20 timer om ugen i et job ved siden af studiet. At låne penge til ens studie kan også indbefatte andre ting end lige leveomkostningerne, for hvis man gerne vil have sit eget sted, er der altid et stort indskud, som skal betale først.

Det kommer nemt op på en 15-20.000 kroner og det er ikke ligefrem alle der har råd til dette store engangsbeløb, så lån penge til uddannelse, ved at finde et godt sted du kan bo og så komme godt på plads i en lejligheden du senere kan betale af på.

Gør det til en prioritet

Desværre går der ikke langt imellem avisartiklerne om folk der hænger fast i deres gamle studiegæld. Så selvom det måske kan være et godt råd at låne penge, så er der altså også en bagside af historien hvis man ikke sørger for at takle det ordentligt efter endt studie.

Det man også glemmer at fortælle er nemlig, at så snart uddannelsen er færdig så skal der i gang med at betales af og helst så hurtigt som muligt. Mange begår den fejl, at de finder et job og begynder at tjene gode penge. De køber måske en ny lejlighed, rejser mere og nyder i det hele taget at det har flere penge mellem hænderne. Det føles som en overflod af kontanter.

Men langsomt bliver den ekstra indtægt til en vane og man kan pludselig ikke forstå hvordan man har kunnet undvære de penge. Omkostningerne er vokset og der er ikke længere det store overskud man havde i starten.

Her er det så, at det går op for mange at man skulle have betalt gælden af. Havde man valgt at gøre det i starten havde det godt nok betydet lidt færre forbrugs køb, men til gengæld havde man været helt fri for den kedelige studiegæld. Så har du muligheden for at komme af med din gæld som noget af det første efter studiet, så giv din selv den gave. Du vil ikke fortryde det og dine studiekammerater vil være meget misundelige på dig om 5-10 år.

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