的 2024 - 25 FAFSA 除了日常维护之外，现在是否全天候可用.
- 23-24财政援助词汇:你应该知道的定义
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你说经济援助吗? 可能不会——不过没关系! 这就是为什么这本手册 存在. Whether you are a student or parent, browse these terms to get a better understanding 财政援助.
借款人: Person responsible for repaying a loan who has signed and agreed to the terms in 本票. 参见贷款项目.
预算:上学的估计费用. 通常包括学费、书籍、用品、 食宿、交通及其他个人费用.
校园资助:联邦大学工作研究(FWS)，珀金斯贷款和SEOG补助金.
资本化: When interest is added to the loan's principal balance and future interest is calculated 余额包括资本化利息. 延迟利息的学生 on their unsubsidized 工作人员ord loan 需要s to understand this term and how it affects 他们必须偿还的金额:它加起来很快.
中央处理系统(联邦处理器)这是FAFSA被处理的地方.
收集十大博彩公司: 十大博彩公司s the government incurs when collecting a delinquent or defaulted loan. 这些 费用由借款人承担.
出勤费用:看 预算.
默认的: Failure to repay a loan in accordance with the terms of 本票.
延期暂时推迟偿还贷款.
犯罪: Incidents of late or missed loan payments, as specified in the terms of the promissory 备注和选择的还款计划.
直接贷款合并: One or more federal education loans combined into a single loan under the Direct 贷款项目. 只有一个月支付给美国.S. 教育部.
直接贷款服务中心:直接贷款借款人支付贷款的地方. 服务中心 能回答您有关直接贷款的问题吗. 免费电话 电话号码是1-800-848-0979.
支付: Once all financial aid is released, it is applied to the student's account. 如果 amount of aid received is larger than the student's tuition, fees, and other costs, 学校将给(或支付)剩余的学生.
放电(取消): 的 release of borrowers from their obligations to repay their Direct 贷款. 借款人 必须符合某些条件才有资格出院.
公开声明: Statement that is sent to the borrower of a student loan outlining the actual cost 关于贷款 including the interest rate, and any loan fees and estimated disbursement 日期(s).
入学咨询: A group or individual session during which Direct 贷款 borrowers receive important 关于他们贷款义务的信息. 入学咨询需要在接收之前 贷款资金的首次发放.
出口咨询: A group or individual session during which Direct 贷款 borrowers who are leaving school or dropping below half-time enrollment receive important information about 他们的还款义务和更新自己的信息.
*预期家庭贡献(EFC): An eligibility index that college financial aid staff use to determine how much 如果你上他们的学校，你会得到经济援助. 计算EFC according to a formula specified in law and is based upon the information provided by the student 免费申请联邦学生援助(FAFSA). *参见下面的24-25术语表.
联邦直接贷款计划:威廉·D. 福特联邦直接贷款计划，也被称为直接 贷款项目, is a federal program that provides loans to student and parent borrowers 直接通过美国.S. 教育部. 贷款是联邦直接斯塔福德/福特公司提供的 贷款, 联邦 Direct Unsubsidized 工作人员ord/Ford 贷款, 联邦 Direct PLUS 贷款, 和联邦直接合并贷款.
联邦直接补贴贷款: Formerly the GSL (Guaranteed Student 贷款) Program; a federally financed and subsidized student loan made on the basis of the student's financial 需要 and other specific 资格要求. 联邦政府不收取利息 subsidized loans while borrowers are enrolled at least half-time, during the six-month 期间，或在授权的延期期间. 当还款开始的时候 interest rate 关于贷款 depends on when the student first borrowed in the program.
联邦直接无补贴贷款: A federally financed student loan made to students meeting 资格要求. 学生不需要证明经济需要. 利息是终身收取的 关于贷款. 借款人可以选择支付贷款利息或允许 the interest to be capitalized (added to the principal) when the loan enters repayment.
联邦方法: 联邦ly-approved standardized formula to determine a student's financial aid eligibility.
联邦补充教育机会补助金(SEOG): 奖助金 to undergraduate students with exceptional financial 需要 who have not completed 他们的第一个学士学位.
金融援助经济援助是用来支付大学或职业学校学费的钱. 发放助学金、勤工俭学, 贷款和奖学金帮助人们负担得起大学或职业学校.
经济需要(需要): 的 difference between the student's cost of attendance and the expected family 贡献.
忍耐: An arrangement to postpone or reduce a borrower's monthly payment amount for a limited 并规定还款期，或延长还款期. 借款人被收取利息 的忍耐.
免费申请联邦学生援助(FAFSA)联邦形式的学生 必须 以申请除家长贷款外的任何学生资助. 学生可申请 在网上 http://studentaid.gov / h /Apply for Aid/ fafsa. FAFSA每年10月10日开放. 1. 它必须每年完成一个学生的愿望 接受援助.
宽限期: A six-month period before the first payment 必须 be made on a Direct Subsidized 或无资助贷款. 在联邦珀金斯贷款的情况下，宽限期可以 长度为六到九个月. 宽限期从借款人的第二天开始 至少有一半时间停止注册. 在直接无补贴的宽限期内 贷款，累积利息必须支付，否则将被资本化.
分级还款计划: A plan that allows monthly payment amounts to start out at one level and then increase 还款期间每两年一次. 借款人最多有30年的还款期限， 取决于他们借了多少钱. 最低还款额必须包括利息 accumulates monthly and 必须 be at least half of the payment that would be required 根据标准还款计划. 最高不得超过1-1/2倍 根据标准还款计划需要支付的款项.
奖助金通常被称为“赠予援助”，因为这些资金通常不会偿还. 有 different types of grants and many are administered by the federal government. 格兰特 资格由学生的FAFSA决定.
收入或有还款计划: A plan that allows the monthly payment amount to vary with the borrower's income. 借款人有长达25年的还款期限.
院校学生资料纪录(ISIR): 的 paper record that contains the information the student mailed to the Central 处理系统.
感兴趣:美国银行收取的贷款费用.S. 并由借款人支付 为了使用借来的钱. 费用按本金的百分比计算 借款金额(贷款金额).
美国国税局(IRS):负责收集和处理纳税申报单的联邦机构.
贷款借出的必须偿还的钱.
贷款本金借出的钱的总额.
价值的基础: Awards and recognition (including scholarships) that are given in recognition of 值得的或值得的成就或成就.
需要分析: A system used to analyze the household and financial information and calculate an 估计家庭贡献.
需要基础: Financial aid that is available for those students whose financial 需要 is demonstrated 通过联邦申请程序.
Overaward超出经济需要的任何数额的经济援助.
本科生家长贷款(PLUS): 贷款 available to parents to help finance an education for students; not based on 需要. 参见贷款项目.
佩尔: 联邦 grant for which eligibility is determined by the EFC (Expected Family Contribution) 以及出勤费用.
帕金斯贷款为有特殊经济需要的学生提供的联邦贷款. 利息 利率为5%，不变动. 虽然这是一个联邦贷款项目，东田纳西州 州立大学，而不是联邦政府，被认为是贷款人.
提前还款: Any amount paid on a loan before it is required to be paid in the terms of the promissory 请注意. 在直接贷款中，提前支付本金或利息永远不会受到惩罚.
本票一种美国和欧盟之间具有法律约束力的合同.S. 教育部和借款人. 在这份文件中，借款人承诺偿还贷款. 本票包含 the terms and conditions 关于贷款, including how and when the loan 必须 be repaid. 请参阅我们对主本票的介绍.
还款计划: A statement provided by the 直接贷款服务中心 to the borrower that lists the amount borrowed, the amount of monthly payments, and the date payments are due.
学业进展满意(SAP):在完成学位的过程中保持成功的进步. 完工量 通过考试需要几个小时，GAP. 另见满意的学术政策.
奖学金: Sums of money that are given or “gifted” to students for the purpose of paying for 大学学费和其他与大学有关的费用. 奖学金则不必如此 因此，这是一种非常有价值的经济援助.
标准还款计划: A plan that requires a borrower to pay at least $50 a month and allows up to 10 支付年限.
*学生资助报告(SAR)这些表格是由代理机构发给学生的. 这些表格应该 由家人检查其准确性. 如果准确的话，他们应该被家人保留 为了他们的记录. 如果不准确，应予以更正，并由相应的人签名 个体，并返回到处理器. *参见下面的24-25词汇表 更新的术语.
USDOE, USED, ED或US Dept. Ed的:用来表示美国教育部的术语.
验证收集文件(纳税申报表等)的过程.)，以确保有关资料 FAFSA申请表上提供的信息是准确的.
勤工助学: A type 财政援助 that allows students to work university-sponsored jobs and 获得工作报酬. 这些项目的资金来自联邦政府， 而是由每所大学以学生薪水的形式发放. 联邦 College Work Study (FWS) is a part-time employment program which helps provide jobs for students who are in 需要 of earnings to meet a portion of their educational expenses.
- 24-25财政援助词汇:你应该知道的定义
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FAFSA提交摘要(FSS): 这些表格由代理机构发给学生. 这些表格应该 由家人检查其准确性. 如果准确的话，他们应该被家人保留 为了他们的记录. 如果不准确，应予以更正，并由相应的人签名 个体，并返回到处理器. 这以前被称为学生 援助报告(SAR).
学生资助指数: An eligibility index that college financial aid staff use to determine how much financial 如果你上他们的学校，你会得到什么援助. SAI是根据 to a formula specified in law and is based upon the information provided by the student 免费申请联邦学生援助(FAFSA). 这是 以前称为预期家庭贡献(EFC).