Glossary of Financial Aid Terms
Student Aid Index (SAI): SAI是一个资格指数,经济援助办公室使用它来确定学生有资格获得多少联邦援助. 这个数字来自学生在FAFSA®表格上提供的信息. SAI不是一个家庭必须支付的大学学费,也不是学生将获得的联邦学生援助金额. A negative SAI indicates the student has a higher financial need. Learn how the SAI is calculated. 申博太阳城将通过从学习费用中减去你的SAI来确定你的经济需求.
Financial Aid Package: 大学或职业学校为学生提供的财政援助总额(联邦和非联邦). 学校的经济援助人员将各种形式的援助组合成一个“一揽子计划”来帮助学生支付教育费用.
Financial Need: 一所学校的入学费用(COA)与你的学生援助指数(SAI)之间的差异. 虽然COA因学校而异,但你的SAI不会因为你所上的学校而改变.
Adjusted Gross Income (AGI): Your or your family's wages, salaries, interest, dividends, etc., minus allowable deductions as reported on a federal tax return
Cost of Attendance (COA): 你上学的总费用——通常以年为单位. COA includes tuition and fees; on-campus housing and food (or a housing and food allowance for off-campus students); and allowances for books, course materials, supplies & equipment, transportation, federal loan fees, and dependent care. It also includes personal expenses; costs related to a disability; and reasonable costs for eligible study-abroad programs. For students attending less than half-time, the COA includes tuition and fees and an allowance for books, supplies, transportation, and dependent care expenses, 还可以包括最多三个学期的住宿和食物,或在该机构的同等费用. 但是连续的学期不得超过两个学期,或者相当于两个学期. 如果你有任何不寻常的费用可能会影响你的COA,请联系你计划就读的学校的财务援助管理员.
Direct Loan: A federal student loan, made through the William D. 福特联邦直接贷款计划,符合条件的学生和家长直接从美国政府贷款.S. Department of Education at participating schools. Direct Subsidized Loans, Direct Unsubsidized Loans, 直接贷款和直接合并贷款是直接贷款的两种类型.
Direct PLUS Loan: A loan made by the U.S. 向毕业生或专业学生及受供养本科生的家长提供贷款,借款人须负全责支付利息,不论贷款情况如何.
Disbursement (disburse or disbursed): Payment of the loan funds to the borrower by the school. 学生通常在两次或两次以上的支付中获得联邦学生贷款
Federal Pell Grant: A federal grant for undergraduate students with financial need.
Federal Perkins Loan: A federal student loan, made by the recipient's school, for undergraduate and graduate students who demonstrate financial need.
Federal School Code: An identifier that the U.S. 教育部分配给参加联邦学生援助计划的每个大学或职业学校. In order to send your FAFSA information to a school, you must list the school's Federal School Code on your application. A list of Federal School Codes is available in the FAFSA.
Federal Student Aid ID: FSA ID stands for Federal Student Aid ID. 您可以使用FSA ID访问个人信息或在各个教育部(ED)网站上进行电子签名. To apply for one go to FSA ID.
Merit-based: Based on a student's skill or ability. 基于成绩的奖学金可能会根据学生的高分来颁发. 如果助学金和奖学金的总和超过学生账单上的学费和学费相关费用,奖学金可能会减少.
Private Loan: 由银行、信用合作社、州政府机构或学校等出借人发放的非联邦贷款.
FAFSA Submission Summary (FSS): FAFSA提交摘要是一份来自美国农业部的纸质或电子文件.S. 联邦学生援助教育部办公室,列出了学生FAFSA表格上问题的答案,并给出了学生获得联邦学生援助资格的基本估计. It is not a financial aid offer.
If the student provided a valid email address on their FAFSA form, 他们将收到一封电子邮件,说明如何访问他们的FAFSA提交摘要的在线副本.
The student can view or print their FAFSA Submission Summary by:
- Logging in to StudentAid.gov using their FSA ID (account username and password);
- Navigating to the account Dashboard;
- Selecting their processed FAFSA submission from the “My Activity” page, which will bring them to the Status Center “Details” page; and
- Selecting “View FAFSA Submission Summary.”
Verification: The process your school uses to confirm the data reported on your FAFSA. 您的学校有权与您联系,以提供支持您所报告的收入和其他信息的文件.
Tuiton-based scholarship: 指定为只支付学费的奖学金,如果在包中存在与此福利相同的其他奖学金, one of the awards will be reduced.
Income Reduction Appeal: 一个家庭要求经济援助办公室考虑他们的收入损失,以便使用最近的信息来衡量家庭的实力. The process takes time and requires supporting documentation. Please see a Financial Aid Advisor about this.
Summer Pell: 通过了一项新规定,允许在秋季和春季使用常规100%奖励的佩尔获得者在夏季获得额外资助,只要他们在学术上取得进步并注册了至少6个学分.
Student Employment: A job opportunity on campus to build a student’s leader skills and resume. The jobs varies as well as the hourly rate. If you receive Federal Work-Study, 从这个来源的收入不计入以下FAFSA. 但是,如果你使用其他工作来源,它将被计算为FAFSA的收入.
Loan grace period: 毕业后的6个月,或者当学生在半期制注册状态下,贷款正在等待. After the 6-month grace period ends, the loan will fall in repayment.
Deferment: 贷款延期支付的期间,根据贷款的类型可能产生利息. 当学生在学校停留至少一半的注册状态时,提供延期.
Loan Default: 未按贷款条款和条件偿还贷款的一种状态. When in default, 学生可能无法获得联邦援助,并且必须连续支付六次才能取消此状态.
Forbearance: 由于经济困难,贷款暂时延期(通常为一年)的状态. 借款人向贷款人/服务机构请求此状态,但请记住,在此状态期间利息将继续增加.