Name: 你的學校在騙你！ (Your School is Lying to You!)
Uploaded: 2026-03-20T16:34:08.000Z
Duration: 6 min 7 s

After high school, many of us looked to college as the gateway to better, higher paying careers.

高中畢業後，我們很多人都把大學看成是通往更好、薪水更高職涯的跳板。

In fact, in some cases, it's pretty much mandatory if you want to get ahead and build yourself a better future.

事實上，在某些情況下，如果你想出人頭地、打造更好的未來，這幾乎是必須的。

And since colleges know this, they get away with a lot and it makes me kind of mad.

而且大學們知道這一點，所以他們肆無忌憚，這讓我很生氣。

Despite them promising this brighter future for their students upon graduation, they certainly are not helping those same students afford to attend making.

儘管他們承諾學生畢業後會有更光明的未來，但他們絕對沒有幫助這些學生負擔學費，讓他們能順利就學。

And in some cases, they're being outright shady about it.

在某些情況下，他們甚至還在耍手段。

From the absurd cost of textbooks, which could be nearly eliminated if colleges instead opted to use open source material, to hidden expenses like housing, parking, transportation, food and supplies, which adds tens of thousands of dollars to the overall college cost.

從教科書的離譜價格（如果大學改用開源教材，這幾乎是可以省下來的），到住宿、停車、交通、食物和雜項等隱藏開銷，這都讓大學總成本增加了數萬美元。

To tuition prices, which have more than doubled in the last 40 years.

再加上學費價格，在過去40年裡已經翻倍了。

All of this combined equals, well, students being really broken.

總之，這一切加起來，就是讓學生們真的身無分文。

But of course, there are many sources of financial support to help those who can afford college costs pay for their learning expenses.

但當然，還是有很多財務支援管道，可以幫助那些付得起大學費用的人支付他們的學費。

These include scholarships, institutional aid from the college itself, and financial aid from the government.

這些包括獎學金、大學本身的學校補助，以及政府的助學金。

Well, this is where colleges have been found to be a little more than sneaky.

嗯，這就是大學被發現有點鬼鬼祟祟的地方。

As demand has increased, financial aid programs have been increasing over the years, providing more than $160.7 billion to help students pay for college.

隨著需求增加，助學金方案多年來一直在增加，提供了超過 1607 億美元來幫助學生支付大學費用。

However, many researchers believe that this increase may actually be prompting colleges to raise their tuition prices, ultimately negating the help that financial aid provides.

然而，許多研究人員認為，這種增加實際上可能促使大學提高學費價格，最終抵銷了助學金提供的幫助。

And even though the vast number of colleges available to prospective students should lead to more competitive prices, colleges seem to be able to charge as much as they want.

儘管潛在學生有眾多大學可供選擇，應該能帶來更有競爭力的價格，但大學似乎可以隨意定價。

One reason for this is that they don't leave much time for comparison shopping, which while most students get at least some financial aid, they typically won't know just how much until the college accepts them.

其中一個原因是，他們沒有留下太多時間進行比較購物，雖然大多數學生至少能獲得一些助學金，但他們通常要等到大學錄取他們後，才知道具體金額。

This means that they won't know how much they'll have to pay out of pocket or through loans until then.

這意味著在那之前，他們不會知道自己需要自掏腰包或透過貸款支付多少錢。

And the loans they offer can be really dangerous.

而且他們提供的貸款可能非常危險。

One popular for profit college shut down after it was accused of illegally collecting high interest private loans that it marketed to its students.

一間受歡迎的營利大學在被指控非法收取高額私人貸款並向學生推銷後關閉了。

Your financial aid package may also change over time.

你的助學金方案也可能隨時間改變。

So some schools front load the financial aid to attract freshmen, but

所以有些學校會先給新生較多的助學金來吸引他們，但

then decrease it over the first year, or include grants or scholarships that aren't renewable every year.

之後在第一年會減少，或包含無法每年續期的補助金或獎學金。

But it turns out that college tuition and financial aid packages aren't set in stone.

但事實證明，大學學費和助學金方案並非一成不變。

You can negotiate with the financial aid office to lower their prices, get a tuition discount, or ask for more financial aid.

你可以和助學金辦公室協商，降低價格、獲得學費折扣，或爭取更多助學金。

by doing this, you may be able to lower the cost by 5 to 15%, which can save you thousands of dollars.

透過這樣做，你或許能降低 5% 到 15% 的費用，省下數千美元。

Ultimately, the amount that you earn after college made possible by a degree is supposed to make up for the expense.

最終，大學畢業後你賺的錢應該要能彌補學費的開銷。

While most non profit schools offer this return in investment, that's not always the case, especially with for profit schools.

雖然大多數非營利學校都能提供這樣的投資回報，但並非總是如此，尤其是營利學校。

Some of these have even been accused of defrauding their students through false marketing and providing a poor quality education.

其中一些甚至被指控透過虛假廣告詐騙學生，並提供劣質教育。

This leaves students in lots of debt without the ability to get the job required to be able to pay it off.

這會讓學生負債累累，卻無法獲得能償還債務的工作。

A report published in 2020 found that only 49% of for profit schools deliver enough financial gain to offset their costs, compared to 94% of public and 86% of private nonprofit colleges.

2020 年的一份報告發現，只有 49% 的營利學校能提供足夠的財務收益來抵銷其成本，相比之下，公立大學和非營利私立大學的比例分別為 94% 和 86%。

But while you will most likely be able to pay off your college debt over time, no one wants to be in debt, especially since the average amount of student loan debt per borrower was 37,500 DOL $500 in 2020.

但雖然你很可能最終能償還大學債務，但沒有人想負債，尤其是在 2020 年，平均每位借款人的學生貸款債務為 37,500 美元。

Luckily, you can also seek financial aid help from outside sources such as Moss.

幸運的是，你也可以尋求 Moss 等外部來源的財務支援協助。

Finding college funding is a complicated, time consuming process.

尋找大學資金是一個複雜且耗時的過程。

There are thousands of grants and scholarships that are hard to find, have varying eligibility criteria, confusing applications and fluctuating deadlines.

有成千上萬的補助金和獎學金難以尋找，且資格標準各異、申請流程混亂、截止日期也經常變動。

The FAFSA Application for Student Financial Aid alone consists of over 100 questions and and one study found that over 800,000 students didn't complete the application, resulting in $2.9 billion of available financial aid going unused.

僅《聯邦學生助學金申請表》(FAFSA) 就包含一百多個問題，一項研究發現，有超過 80 萬名學生未能完成申請，導致 29 億美元的可用助學金未使用。

In addition, surveys have found that students don't receive enough communication from their financial aid office, which can lead to further confusion and application errors.

此外，調查發現學生從助學金辦公室收到的溝通資訊不足，這可能導致進一步的困惑和申請錯誤。

So sometimes they lie to you and other times they just don't do anything at all.

所以有時候他們會騙你，有時候他們根本什麼都不做。

They're meant to confuse you, keep you broke, and they often leave you feeling hopeless again.

這些做法就是要讓你困惑，讓你沒錢，而且常常讓你再次感到絕望。

Colleges know that you most likely need school and they're going to take advantage of that.

大學知道你很需要唸書，他們就會利用這一點。

Being aware of the shady practices can help you navigate this post high school world a little better.

瞭解這些不良的做法，能幫助你更好地在這個高中畢業後的環境中 navigate。

I love learning and the idea of higher education.

我熱愛學習和高等教育的理念。

What I don't love is students being duped students so are you planning on going to college?

我不喜歡的是學生被騙，所以你打算去唸大學嗎？

What are you studying and are you excited?

Let's talk about it in the comment section below.

Our friends over at Moss who sponsored this video are giving students the ability to hack through all of these annoying practices and claim more of that financial aid money that metaphorically gets lit on fire every year.

我們這支影片的贊助商 Moss，讓學生們能夠破解這些惱人的做法，並領到每年被浪費掉的財務支援金。

They're a banking product built to help students avoid debt by giving them access to the largest scholarship pool in America.

他們是一個銀行產品，旨在幫助學生避免負債，讓他們能獲得美國最大的獎學金池。

By matching them with all the financial aid they qualify for and helping them to negotiate with their college for more money.

透過將他們與所有符合資格的財務支援配對，並協助他們跟大學協商爭取更多錢。

Their customizable debit card comes with no overdraft fees, minimum balance requirements or late fees, and

他們可自訂的簽帳金融卡沒有透支費、最低餘額要求或滯納金，而且

an easy to use feature packed app that lets you set up direct deposit in minutes.

還有一個功能齊全、易於使用的應用程式，讓你幾分鐘內就能設定直接存款。

If you're struggling with finding money for school or you might be soon, check out Moss by clicking the first link in the description.

如果你正在為學校的經費煩惱，或者很快就會面臨這個問題，請點擊說明欄的第一個連結，看看 Moss。

Thank you for supporting their great cause, which in turn supports Life Noggin.

感謝你支持他們的偉大事業，這也相對支持了 Life Noggin。

And and thank you to Moss for making this video possible.

同時也感謝 Moss 讓這支影片得以實現。

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你的學校在騙你！ (Your School is Lying to You!)

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