Consolidation 是否将多个Loan合并为单个Loan, often with a lower monthly payment but a longer repayment period.
的 出勤费用(COA) 就读苏大一学年的费用是多少. 这个估计通常包括学费和杂费, 食宿, 书籍及用品, 运输费用, 个人开支. It is important to remember the COA is an estimate 和 costs could vary depending on individual spending habits for non-SU billed items (e.g. 衣服、书籍、娱乐等.). 的 COA also represents the maximum amount of financial aid a student can receive, 包括赠款, 学生和家长Loan, 工作研究, 和Scholarships.
A 信用评分 is a measure of the likelihood a borrower will pay their debt as agreed. For Graduate 和 Parent + Loan, the borrower or cosigner must not have an adverse credit history. With alternative Loans outside the Federal Student Aid Program, a borrower or cosigner’s 信用评分 和 history will often determine approval for the Loan, 也会影响借款人将获得的利率.
联邦Loan被认为是在 Default 如果借款人未能保持他们的每月付款. 逾期270天通常构成违约. Defaulting on a Loan means the lender can take legal action to recover their funds, 包括扣缴工资和代扣所得税退税. It can also make the borrower ineligible for future federal aid 和 adversely affect their credit rating. Terms of Default for an alternative Loan will vary depending on the lender.
Deferment is when the borrower is permitted to postpone repayment of the Loan, typically while the student maintains at least half-time enrollment. Federal 工作人员ord Loan 和 Graduate + Loan will have a deferment period. 家长+Loan没有Deferment期限. 关于另类Loan, borrowers should contact their lender to discuss postponing repayment.
如果一个学生下定决心要 独立的 by the FAFSA, only their 和 their spouse’s (if applicable) income 和 assets need to be provided. 依赖 students are required to provide their parents’ income 和 asset information in addition to their own. Please note how the FAFSA defines dependency is different than how dependency is defined by the Internal Revenue Service (IRS) for tax purposes. 的 questions a student will answer in Step Three of the FAFSA determine their dependency status. 如果有情有可原的情况, 鼓励学生联系财政援助办公室.
入学咨询 是一个在线教程和测试与美国.S. Department which explains a student’s rights 和 responsibilities as a Federal 工作人员ord Loan borrower. All first-time borrowers of 工作人员ord Loan at 澳门线上赌博平台大学 are required to complete 入学咨询 in order to receive these funds.
的 预期家庭贡献(EFC) is the measurement of the family’s financial strength 和 their ability to fund the student’s education expenses based upon the information provided in the FAFSA. 独立学生, only the student’s 和 their spouse’s (if applicable) financial contribution is measured. Please note: the EFC is an estimate used to determine eligibility for financial aid, 而不是学生及其家庭应该支付的费用.
金融援助 对大多数在苏大注册攻读学位的学生开放. 金融援助 is intended for the student’s educational expenses; including tuition 和 fees, 食宿, 书籍及用品, 和运输. 大多数联邦援助和所有形式的州援助都是以需要为基础的. 的 most common types of financial aid are grants, scholarships, Loans, 和勤工助学.
一个学生的 财务需要 is determined by subtracting the student’s 预期家庭贡献(EFC) as determined by their FAFSA from the 出勤费用(COA). Many financial aid programs are awarded on the basis of 财务需要.
COA - EFC =财务需求
的目的 免费申请联邦学生援助(FAFSA) 是决定一个学生的吗 预期家庭贡献(EFC). 的 FAFSA permits students to be considered for aid such as federal grants, 联邦Loan, 和勤工助学. FAFSA提交于 http://www.fafsa.gov/.
的 宽限期 is the time period after a student graduates or drops below half-time enrollment before they are required to begin repayment of their student Loans. 联邦斯塔福德Loan的宽限期是六个月, 而联邦珀金斯Loan是9个月. 学生只有一次宽限期. 一些替代Loan也有宽限期.
Grants 是否有不需要偿还的经济援助形式. 一般来说,助学金是给本科生的. 的 grant amount awarded is often based on the student’s 财务需要, SU的出勤费, 以及学生的注册状态.
Interest Loan是否按月支付有效利率. 利息按借款金额的百分比表示.
的 主本票(MPN) is a binding legal document a student or parent signs in order to obtain a federal educational Loan. It lists the conditions under which you are borrowing 和 the terms under which you agree to pay back the Loan. 的 MPN will include information about the Loan’s interest rate, deferment, 和 cancellation. 在苏大,MPN的有效期为10年. MPN完成于 studentaid.政府.
的 融资费用 Loan人是否收取处理Loan的费用. 例如, if a Loan has an 融资费用 of 4% 和 the Loan was for $10,000, 申请费是400美元. This leaves $9,600 available for the student’s university charges 和 education expenses.
Notice of Federal Student 金融援助 Penalties for Drug Law Violations – Any student that receives a conviction for any offense, during a period of enrollment for which the student was receiving Title IV, 高等教育学院项目资金, under any federal or state law involving the possession or sale of illegal drugs will result in the loss of eligibility for any Title IV, 他叫格兰特, Loan, 或勤工俭学援助(HEA Sec). 484(r)(1)); (20 U.S.C. 1091(r)(1)).
的 最优惠利率 和 银行间拆放款利率 are common benchmarks for consumer 和 business Loans set by banks. 的 interest rate given to borrowers on their Loans is often determined as the prime rate/LIBOR rate plus a certain percentage, which represents the lender’s assessment of the risk in lending, 加上它的利润率. Please note the prime 和 LIBOR rates apply to alternative Loans only; the interest rates for 联邦Loan (工作人员ord, +, 珀金斯, 护理)是由联邦政府制定的.
Loan 借入的资金是否必须连本带利偿还. 本科生和研究生都可以借. Parents may borrow to pay tuition 和 other educational expenses for dependent undergraduate students. Maximum amounts on student Loans are usually based upon the student’s academic level (Freshman, 二年级学生, 初级或高级).
的 Loan本金 or 主要 is the amount of money borrowed or owed a Loan, not including interest.
Scholarships 是否有不需要偿还的经济援助形式. 通常, Scholarships是根据学业成绩颁发的, 虽然有时经济需求也被考虑在内.
的 勤工俭学计划 为本科生和研究生提供就业机会. 的se earnings are intended to help pay for a student’s daily educational 个人开支.
问题?
在谢南多厄,我们明白,财政援助是一个重要的, 有时令人困惑, 这是你找大学过程中的一个因素. We are here to help you underst和 your 澳门线上赌博平台大学 financial aid package 和 financial options. 联系财政援助办公室.