Consolidation is combining multiple loans into a single loan, 通常每月还款额较低,但还款期较长.
The Cost of Attendance (COA) is the estimated cost to attend SU for the academic year. This estimate typically includes tuition and fees, room and board, books and supplies, transportation expenses, and personal expenses. 重要的是要记住COA是一个估计,成本可能会根据个人对非su计费项目的消费习惯而变化.g. clothes, books, recreation, etc.). COA也代表了学生可以获得的最高经济援助金额, including grants, student and parent loans, work study, and scholarships.
A credit score 是衡量借款人按约定偿还债务可能性的指标吗. 对于毕业生和家长PLUS贷款,借款人或联署人不得有不良信用记录. With alternative loans outside the Federal Student Aid Program, 借款人或委托人的信用评分和历史通常会决定贷款的批准, as well as influence the interest rate a borrower will receive.
A federal loan is considered to be in default if the borrower fails to keep their monthly payments current. Typically 270 days past due constitutes a default. 拖欠贷款意味着贷款人可以采取法律行动收回他们的资金, including garnishing wages and withholding income tax refunds. 它还可能使借款人没有资格获得未来的联邦援助,并对他们的信用评级产生不利影响. 替代贷款的违约条款将因贷方而异.
Deferment 是借款人获准延期还款的时间, 通常情况下,学生保持至少一半的注册时间. 联邦斯塔福德贷款和研究生PLUS贷款将有延期期限. The Parent PLUS Loan does not have a deferment period. In regards to alternative loans, 借款人应与贷款人联系,商讨延期还款事宜.
If a student is determined to be independent 通过FAFSA,只需要提供他们和他们的配偶(如果适用)的收入和资产. Dependent 学生除了提供自己的收入和资产信息外,还需要提供父母的收入和资产信息. 请注意,FAFSA对依赖关系的定义与美国国税局(IRS)对依赖关系的定义不同. 学生将在FAFSA第三步中回答的问题决定了他们的依赖状态. If there are extenuating circumstances, students are encouraged to contact the Office of Financial Aid.
Entrance Counseling is an on-line tutorial and quiz with the U.S. 解释学生作为联邦斯塔福德贷款借款人的权利和责任的部门. 澳门网上赌博平台斯塔福德贷款的所有首次借款人都需要完成入学咨询,以便获得这些资金.
The Expected Family Contribution (EFC) 衡量家庭经济实力和他们资助学生教育费用的能力是否基于FAFSA提供的信息. For independent students, 仅衡量学生及其配偶(如适用)的经济贡献. 请注意:EFC是用于确定是否有资格获得经济援助的估计, not what a student and their family is expected to pay.
Financial aid is available to most enrolled degree-seeking students at SU. Financial aid is intended for the student’s educational expenses; including tuition and fees, room and board, books and supplies, and transportation. Most federal aid and all forms of state aid are need-based. 最常见的经济援助类型是助学金、奖学金、贷款和勤工俭学.
A student’s financial need 由学生的FAFSA从出勤成本(COA)中减去学生的预期家庭贡献(EFC)来确定。. 许多经济援助项目都是基于经济需要而授予的.
COA – EFC = Financial Need
The purpose of the Free Application for Federal Student Aid (FAFSA) is to determine a student’s Expected Family Contribution (EFC). FAFSA允许学生考虑获得联邦助学金等援助, federal loans, and work-study. The FAFSA is submitted at http://www.fafsa.gov/.
The grace period 学生毕业后的一段时间,或者在入学时间低于一半之前,他们需要开始偿还学生贷款吗. The grace period for Federal Stafford Loans is six months, while the Federal Perkins Loan is nine months. Students are granted only one grace period. Some alternative loans have grace periods as well.
Grants are forms of financial aid that do not have to be repaid. Generally, grants are for undergraduate students. 助学金数额通常根据学生的经济需要而定, the cost of attendance for SU, and the student’s enrollment status.
Interest is the monthly effective rate paid on borrowed money. Interest is expressed as a percentage of the sum borrowed.
The Master Promissory Note (MPN) 为了获得联邦教育贷款,学生或家长是否签署了具有约束力的法律文件. 它列出了你借款的条件和你同意偿还贷款的条件. MPN将包括有关贷款利率、延期和取消的信息. At SU, MPN’s are valid for 10 years. The MPN is completed at studentaid.gov.
The origination fee is the fee a lender charges to process a loan. For example, 如果一笔贷款的发起费是4%,贷款是10美元,000, the origination fee would be $400. 剩下的9,600美元可用于学生的大学费用和教育费用.
违反毒品法的联邦学生经济援助处罚通知-任何因任何罪行而被定罪的学生, 在学生获得第四章的入学期间, HEA program funds, 任何涉及拥有或销售非法毒品的联邦或州法律将导致失去任何第四章的资格, HEA grant, loan, or work-study assistance (HEA Sec. 484(r)(1)); (20 U.S.C. 1091(r)(1)).
The Prime Rate and LIBOR Rate 银行是否为消费者和企业贷款设定了通用基准. 借款人的贷款利率通常由优惠利率/伦敦银行同业拆借利率加上一定的百分比决定, 哪个代表贷款人对贷款风险的评估, PLUS its profit margin. Please note the prime and LIBOR rates apply to alternative loans only; the interest rates for federal loans (Stafford, PLUS, Perkins, Nursing) are set by the federal government.
Loans are borrowed funds that must be repaid with interest. Both undergraduate and graduate students may borrow. 父母可以借钱为受抚养的本科生支付学费和其他教育费用. 学生贷款的最高额度通常取决于学生的学术水平(大一), Sophomore, Junior or Senior).
The loan principal or principal 所借或欠的金额是否为贷款,不包括利息.
Scholarships are forms of financial aid that do not have to be repaid. Typically, scholarships are awarded upon the basis of academic merit, though at times financial need is considered as well.
The Work Study Program provides jobs for undergraduate and graduate students. 这些收入旨在帮助支付学生的日常教育和个人费用.
Questions?
在谢南多厄,我们明白,财政援助是一个重要的, and sometimes confusing, factor in your college search process. 我们在这里帮助您了解雪兰多大学的财务援助计划和财务选择. Contact the Office of Financial Aid.