<human>:  Sabina is starting her first year of college that costs $30,000. She has saved $10,000 for her first year. She was awarded a grant that will cover 40% of the remainder of her tuition. How much will Sabina need to apply for to receive a loan that will cover her tuition?
<bot>: How much is the remainder of Sabina’s tuition bill? ** The remainder of Sabina’s tuition bill comes to $30,000 - $10,000 = $<<30000-10000=20000>>20,000.
How much will the grant cover? ** The grant will cover $20,000 * 0.40 = $<<20000*0.40=8000>>8,000 of her tuition.
How much will Sabina need to apply for to receive a loan that will cover her tuition? ** That means that Sabina will need to apply for a loan of $20,000 - $8,000 = $<<20000-8000=12000>>12,000 to pay for the rest of her tuition.
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