金融援助
术语表
学年是学校上课的一段时间, 包括至少32周的教学时间. 学年通常包括秋季学期(8月至12月)。, 春季学期(一月至五月)和夏季学期(五月至七月).
An offer letter is an official document issued by the 财政援助办事处 that lists all of your offered financial aid, 包括来源和金额细节. 你不需要在信上签名或归还.
阿尔伯马尔学院’s (COA) 业务办公室 is responsible for the billing and collection of college charges, 以及联邦和州财政援助的支付.
校园资助是由COA管理的联邦项目. 联邦政府每年向COA提供固定的拨款, 什么是由财政援助办公室提供给有资格的学生. 项目 include the 联邦 Supplemental Education Opportunity 格兰特 and the 联邦半工半读的 program. Funding is limited and there’s no guarantee that every eligible student will receive financial aid through these programs.
的 cost of attendance is the average cost to attend college for one academic year (fall through spring). 它包括学费和杂费, 书籍及用品, 食宿, 运输, 个人开支.
A loan is in default when the borrower fails to pay several regular installments on time, 或者不符合贷款的条款和条件. 如果你拖欠贷款, 可能会采取法律行动来追回这笔钱, 包括扣缴你的工资和代扣所得税退税. 拖欠政府贷款会影响你的信用评级, and will make you ineligible for future federal financial aid unless a satisfactory repayment schedule is arranged.
当借款人被允许推迟偿还贷款时，就会出现延期. 如果你有补贴贷款, the federal government pays the interest charges during the deferment period. 如果你有无补贴贷款, you are responsible for the interest that accrues during the deferment period. Most federal loan programs allow you to defer loans while enrolled in school at least half time. 如果你的贷款违约，你就不能得到延期.
如果你不能按时偿还贷款, 你将被视为拖欠，并可能被收取滞纳金. 如果你错过了几次还款，贷款就会违约.
合格的非公民是指非美国公民.S. 是美国公民，但仍有资格获得联邦学生资助. 符合条件的非公民包括美国公民.S. 持有有效绿卡的永久居民.S. 公民, 持有I-94表格并获得难民或庇护身份的人, 以及其他一些非公民. Non-citizens who hold a student visa or an exchange visitor visa aren’t eligible for federal student aid.
表明你是否是全日制学生(12学分或以上), 四分之三学制学生(9至11学分), 全日制学生(6至8学分), 或全日制以下学生(1至5学分). 这包括秋季，春季和夏季学期. 的 North Carolina Community College 格兰特 requires 15 or more credit hours to be considered at Full-time Plus enrollment status.
的 amount of money that your family is expected to be able to contribute to your education, as determined by the federal methodology need analysis formula approved by Congress. EFC包括家长和学生的捐款, 并且是基于你的依赖状态, 家庭规模, 上大学的家庭成员人数, 以及应税和非应税收入和资产. 的 difference between the cost of attendance and the EFC is considered your financial need, 并用于确定你是否有资格获得基于需求的经济援助.
联邦 美国鱼类和野生动物管理局计划 provides part-time employment during the school year based on financial need.
的 FAFSA is the form used to apply for 佩尔助学金s and other need-based aid. 顾名思义，提交FAFSA是不收费的.
的 FSA ID is a username and password that has replaced the 联邦 Student Aid Personal Identification Number (FSA PIN) and must be used to log in to certain U.S. 教育部网站. Your FSA ID confirms your identity when you access your financial aid information and electronically sign 联邦 Student Aid documents.
的 grace period is the period of time in which you don’t need to start making loan payments. Each of your direct subsidized and direct unsubsidized loans has a six-month grace period that starts the day after you stop attending classes or drop below half-time enrollment. 虽然在这段宽限期内你不需要付款, 没有补贴的贷款确实会继续产生利息. PLUS贷款没有宽限期.
GPA是学生成绩的平均值，换算成4分.0刻度(4).0是A, 3.0是a B 2.0是C和1.选D。. W、PA、PB和PC成绩不影响现有GPA. 联邦 坐isfactory Academic Progress requires that all grades be included in the GPA calculation, 无论学校是否允许复读或重新开始, 不管付款的来源是什么.
A grant is a type of financial aid based on financial need that you usually don’t have to repay. You may have to repay part of your grant if you withdraw completely from a semester, 根据联邦第四章基金返还政策计算.
MPN是一份有法律约束力的协议，要求你偿还贷款. 的 MPN must be signed by the student borrower before loan funds are disbursed by the lender. It contains the terms and conditions of the loan and explains how and when it must be repaid. Please keep the MPN and any other loan documents in a safe place for future reference.
需要 is the difference between the cost of attendance and the student’s resources. 确定你的需求的过程被称为需求分析.
基于需求的经济援助是基于你的经济需求水平. Examples of (即 Aid are the 联邦 佩尔助学金, FSEOG, and 联邦 Work Study. Please complete the FAFSA to determine your eligibility for need-based 金融援助.
非(即 Aid is offered to students based on academic and/or extracurricular achievements rather than financial need. 奖学金是最常见的非助学金类型. Please complete the COA Foundation 奖学金 Application to be considered for an award.
外部资源是指从其他来源获得的援助或利益, 包括校外奖学金, 《申博平台》(Workforce Innovation and Opportunity Act 退伍军人事务(VA)教育福利.
An outside scholarship is one that comes from sources other than the school, 联邦政府或州政府.
A 佩尔助学金 is a federal grant that provides funds based on a student’s financial need, 由FAFSA确定.
接受联邦财政援助基金, 学生必须达到美国大学的最低学术要求.S. 教育部. Failing to maintain an academic standing consistent with the school’s SAP policy will make meeting graduation requirements unlikely as well.
A scholarship is a form of financial aid given to students to help pay for their education. 奖学金是一种礼物援助，不需要偿还. 许多奖学金仅限于学习特定课程的学生, 或者有学术或艺术天赋.
A 教育目的陈述书 is a legal document in which you agree to use financial aid for educational expenses only. You and/or your parent(s) must sign this portion of the FAFSA before federal need-based aid can be processed. 电子签名可以使用安全的FSA ID和密码提交.
的 SAR summarizes the information included in your FAFSA and indicates the amount of 佩尔助学金 eligibility as well as the 预期家庭贡献(EFC). 如果你在FAFSA上提供了当前的电子邮件地址, 您将在提交后不久收到一封电子邮件. 如果您没有提供当前的电子邮件地址, 你会在提交后的几周内收到SAR. Please review the information recorded on your FAFSA and correct any errors.
的 FSEOG is a federal grant program for undergraduate students with exceptional need. FSEOG奖助金由财政援助办公室提供. 合格的学生必须是联邦佩尔助学金获得者. FSEOG funds are limited and are offered to eligible students who apply early.
的 业务办公室 issues Internal Revenue Service (IRS) 纳税表1098-T to report amounts billed for qualified tuition and related expenses that you must pay to be enrolled at or attend an eligible educational institution.