Makiba’s family has been saving $2,000 a year for 18 years toward her college education. Makiba herself has been saving $250 a month for the past four years. She wants to complete a four-year program costing $15,000 a year. How much will have to be covered by scholarships or student loans?(1 point)
Makiba's family has saved a total of $2,000 x 18 = $<<2000*18=36000>>36,000.
Makiba has saved a total of $250 x 12 x 4 = $<<250*12*4=12000>>12,000.
She has saved a total of $36000 + $12000 = $<<36000+12000=48000>>48,000.
The total cost of the college program is $15,000 x 4 = $<<15000*4=60000>>60,000.
Therefore, the amount that will have to be covered by scholarships or student loans is $60000 - $48000 = $<<60000-48000=12000>>12,000. Answer: \boxed{12,000}.