The period during which school is in session, consisting of at least 24 units and 40 weeks of instructional time (for a non standard term).
The university office that is responsible for the billing and collection of university charges.
To accumulate.
The date on which interest charges on an educational loan begin to accrue. See also Subsidized Loan.
See Private Loans.
The process of gradually repaying a loan over an extended period of time through periodic installments of principal and interest.
An item of value, such as a family's home, business, and farm equity, real estate, stocks, bonds, mutual funds, cash, certificates of deposit (CDs), bank accounts, trust funds and other property and investments.
由学校的经济援助办公室出具的官方文件，列出胜博发体育app获得的所有经济援助. This letter provides details on the breakdown of your financial aid package according to amount, source and type of aid. The award letter will include the terms and conditions for the financial. You are required to sign a copy of the letter, 表明你是否接受或拒绝每个援助来源, and return it to the financial aid office.
The academic year for which financial aid is requested (or received).
When a person is declared bankrupt, he is found to be legally insolvent and his property is distributed among his creditors or otherwise administered to satisfy the interests of his creditors. Federal student loans, however, cannot normally be discharged through bankruptcy.
The person who receives the loan.
See Cost of Attendance.
增值资产(如股票)价值的增加, bonds, mutual funds and real estate between the time the asset was purchased and the time the asset was sold.
The practice of adding unpaid interest charges to the principal balance of an educational loan, thereby increasing the size of the loan. Interest is then charged on the new balance, 包括未付本金和应计利息. 将利息资本化会增加月供和你最终必须偿还的金额. If you can afford to pay the interest as it accrues, you are better off not capitalizing it. Capitalization is sometimes called compounding. See also Unsubsidized Loans.
Interest that is paid on both the principal balance of the loan and on any accrued (unpaid) interest.Capitalizing the interest on an unsubsidized Stafford loan is a form of compounding.
A pre-screen form to check parents credit for purposes of obtaining the parent plus loan.
(也称为贷款合并)将几笔胜博发体育app贷款合并成一笔来自单一贷方的更大贷款. The consolidation loan is used to pay off the balances on the other loans.
A cosigner on a loan assumes responsibility for the loan if the borrower should fail to repay it.
(也称为教育成本或“预算”)胜博发体育app上学的总费用, including tuition and fees, room and board, allowances for books and supplies, transportation, and personal and incidental expenses. 贷款费用，如果适用的话，也可以包括在COA中. Schools establish different standard budget amounts for students living on-campus and off-campus, married and unmarried students and in-state and out-of-state students.
A loan is in default when the borrower fails to pay several regular installments on time (i.e., payments overdue by 180 days) or otherwise fails to meet the terms and conditions of the loan. If you default on a loan, the university, the holder of the loan, the state government and the federal government can take legal action to recover the money, including garnishing your wages and withholding income tax refunds. Defaulting on a government loan will make you ineligible for future federal financial aid, 除非安排了令人满意的还款计划, and can affect your credit rating.
当借款人被允许推迟偿还贷款时发生. If you have a subsidized loan, the federal government pays the interest charges during the deferment period. If you have an unsubsidized loan, you are responsible for the interest that accrues during the deferment period. You can still postpone paying the interest charges by capitalizing the interest, which increases the size of the loan. 大多数联邦贷款项目允许胜博发体育app在至少一半的时间在校期间推迟贷款. If you don't qualify for a deferment, you may be able to get forbearance. 如果你的贷款违约，你就不能得到延期.
If the borrower fails to make a payment on time, the borrower is considered delinquent and late fees may be charged. If the borrower misses several payments, the loan goes into default.
Determines to what degree a student has access to parent financial resources.
子女或其他被视为受抚养人的人, they must live with you and you must provide them with more than half of their support. 配偶在联邦统计方法中不算作受抚养人. You and your spouse cannot both claim the same child as a dependent. (See also Independent.)
The release of loan funds to the school for delivery to the borrower. 学费将由胜博发体育app和学校共同支付. Loan funds are first credited to the student's account for payment of tuition, fees, and other school charges. 多余的资金将以现金或支票的形式支付给胜博发体育app.
Provides the borrower with information about the actual cost of the loan, including the interest rate, origination, insurance, 贷款费用和任何其他类型的财务费用. Lenders are required to provide the borrower with a disclosure statement before issuing a loan.
Used by some schools and lenders to wire funds for Stafford and PLUS loans directly to participating schools without requiring an intermediate check for the student to endorse. The money is transferred electronically instead of using paper, and hence is available to you sooner. 如果您可以选择资金转账方式，请使用EFT.
Someone who is not a U.S. 但仍然有资格获得联邦胜博发体育app援助. Eligible non-citizens include U.S. 持有有效绿卡的永久居民.S. nationals, holders of form I-94 who have been granted refugee or asylum status and certain other non-citizens. 持有胜博发体育app签证或交流访问学者签证的非公民没有资格获得联邦胜博发体育app援助.
表明你是全日制胜博发体育app还是兼职胜博发体育app. 一般来说，你必须至少注册一半时间(在某些情况下是全日制)才有资格获得经济援助.
See Loan Interviews.
See Loan Interviews.
The amount of money that the family is expected to be able to contribute to the student's education, as determined by the Federal Methodology need analysis formula approved by Congress. The EFC includes the (parent contribution and the) student contribution, and depends on the student's dependency status, family size, number of family members in school, taxable and nontaxable income and assets. The difference between the COA and the EFC is the student's financial need, and is used in determining the student's eligibility for need-based financial aid.
A four-digit number that serves as your electronic signature on your FAFSA application.
用于确定EFC的需求分析公式. The Federal Methodology takes family size, the number of family members in college, 应税和非应税收入和资产. Unlike most Institutional Methodologies, however, the Federal Methodology does not consider the net value of the family residence.
The organization that processes the information submitted on the 免费申请联邦胜博发体育app援助(FAFSA) and uses it to compute eligibility for federal student aid. There are two different federal processors serving specific geographic regions.
Money provided to the student and the family to help them pay for the student's education. 经济援助的主要形式包括礼物援助(助学金和奖学金)和自助援助(贷款和工作)。.
A college or university employee who is involved in the administration of financial aid. Some schools call FAAs "Financial Aid Advisors" or "Financial Aid Counselors".
学院或大学办公室，负责确定经济需求和颁发经济援助.
The complete collection of grants, scholarships, 所有来源的贷款和勤工俭学就业(联邦), state, institutional and private) offered to a student to enable them to attend the college or university. 请注意，无补贴的斯塔福德贷款和PLUS贷款不被视为经济援助计划的一部分, since these financing options are available to the family to help them meet the EFC.
See Need.
A first-year undergraduate student who has no unpaid loan balances outstanding on the date he or she signs a promissory note for an educational loan. First-time borrowers may be subjected to a delay in the disbursement of the loan funds. The first loan payment is disbursed 30 days after the first day of the enrollment period. 如果胜博发体育app在前30天内退课, 贷款被取消，不需要偿还. Borrowers with existing loan balances aren't subject to this delay.
In a fixed interest loan, the interest rate stays the same for the life of the loan.
During forbearance the lender allows the borrower to temporarily postpone repaying the principal, but the interest charges continue to accrue, even on subsidized loans. The borrower must continue paying the interest charges during the forbearance period. 宽限由贷款人自行决定, usually in cases of extreme financial hardship or other unusual circumstances when the borrower does not qualify for a deferment. 如果你的贷款违约，你就不能得到宽免.
用于申请佩尔助学金和所有其他基于需求的援助的表格. 顾名思义，提交FAFSA不收取任何费用.
Financial aid, such as grants and scholarships, which does not need to be repaid.
毕业后的一段短时间，在此期间，借款人不需要开始偿还胜博发体育app贷款. The grace period may also kick in if the borrower leaves school for a reason other than graduation or drops below half-time enrollment. Depending on the type of loan, you will have a grace period of six months (Stafford Loans) or nine months (Perkins Loans) before you must start making payments on your student loans. The PLUS Loans do not have a grace period.
一个胜博发体育app的平均成绩，换算成4分.0 scale (4.0 is an A, 3.0 is a B, and 2.0 is a C). Some schools use a 5.0 scale for the GPA.
攻读硕士或博士学位的胜博发体育app.
每月还款额在还款期初较低，然后逐渐增加的一种计划.
A type of financial aid based on financial need that the student does not have to repay.
Income before taxes, deductions and allowances have been subtracted.
支付给担保机构的贷款的一小部分，以确保贷款不违约. The insurance fee is usually 1% of the loan amount (and by law cannot exceed 3% of the loan amount).
工资从工作中得到的钱(工资, wages, tips), profit from financial instruments (interest, dividends, capital gains), or other sources (welfare, disability, child support, Social Security and pensions).
Under an income contingent repayment schedule, the size of the monthly payments depends on the income earned by the borrower. 随着借款人收入的增加，还款也在增加. The income contingent repayment plan is not available for PLUS Loans.
An independent student is at least 24 years old as of January 1 of the academic year, is married, is a graduate or professional student, has a legal dependent other than a spouse, is a veteran of the US Armed Forces, or is an orphan or ward of the court (or was a ward of the court until age 18). 父母拒绝为孩子的教育提供资助不足以使孩子被宣布独立. (See also Dependent.)
按期(通常是按月)偿还本金和利息的消费贷款. The payments are called "installments" and are all for the same amount.
由教育网速递寄往各学校的电子版本的表格.
Amount charged to the borrower for the privilege of using the lender's money. Interest is usually calculated as a percentage of the principal balance of the loan. 在贷款期限内，利率可以是固定的, or it may be variable, depending on the terms of the loan. All federal loans issued since October, 1992 use variable interest rates that are pegged to the cost of US Treasury Bills.
Allows students and parents to access the IRS tax return information needed to complete the 免费申请联邦胜博发体育app援助(FAFSA). Students and parents may transfer the data directly into their FAFSA.
Federal agency responsible for enforcing US tax laws and collecting taxes.
一种必须连本带利偿还的经济援助. 联邦胜博发体育app贷款计划(FFELP和FDSLP)是资助你大学教育费用的好方法. These loans are better than most consumer loans because they have lower interest rates and do not require a credit check or collateral. 斯塔福德贷款和珀金斯贷款还提供各种延期选择和延长还款期限.
See Consolidation Loan.
联邦政府取消全部或部分教育贷款，因为借款人符合某些标准.g., is performing military or volunteer service).
Students with educational loans are required to meet with a financial aid administrator before they receive their first loan disbursement and again before they graduate or otherwise leave school. During these counseling sessions, called entrance and exit interviews, the FAA reviews the repayment terms of the loan and the repayment schedule with the student. These interviews may be conducted in person, or through traditional U.S. mail.
The difference between the COA and the EFC is the student's financial need -- the gap between the cost of attending the school and the student's resources. The financial aid package is based on the amount of financial need. The process of determining a student's need is known as need analysis. The formula is as follows: Cost of Attendance (COA) - Expected Family Contribution (EFC) = Financial Need
Financial aid that is need-based depends on your financial situation. 大多数政府财政援助来源都是根据需要提供的.
This is income after taxes, deductions and allowances have been subtracted.
See First-Time Borrower.
Fee paid to the bank to compensate them for the cost of administering the loan. 贷款发放时收取贷款费, and typically run to 3% of the amount disbursed. A portion of this fee is paid to federal government to offset the administrative costs of the loan.
Aid or benefits available because a student is in school and is counted after need is determined. Outside scholarships, prepaid tuition plans and VA educational benefits are examples of outside resources.
A scholarship that comes from sources other than the school and the federal or state government.
筹集财政援助的过程.
联邦政府认为你的父母可以负担得起的你的教育费用的估计部分. It is based on their income, the number of parents earning income, assets, family size, the number of family members currently attending a university and other relevant factors. Students who qualify as independent are not expected to have a parent contribution.
联邦贷款提供给受抚养本科生的父母，帮助资助孩子的教育. Parents may borrow up to the full cost of their children's education, 减去收到的任何其他经济援助的金额. PLUS Loans may be used to pay the EFC. There is a minimal credit check required for the PLUS loan, so a good credit history is required. Check with your local bank to see if they participate in the PLUS loan program. 如果你的PLUS贷款申请被拒绝, your child may be eligible to borrow additional money under the Unsubsidized Stafford Loan program.
A federal grant that provides a limited amount of funds based on the student's financial need.
在贷款到期前还清全部或部分贷款.
还款额:借的钱或未付的贷款金额. 利息按本金的一定百分比收取. Insurance and origination fees will be deducted from this amount before disbursement.
Education loan programs established by private lenders to supplement the student and parent education loan programs available from federal and state governments.
For need-based federal aid programs, 财政援助管理者可以调整EFC, adjust the COA, or change the dependency status (with documentation) when extenuating circumstances exist. For example, if a parent becomes unemployed, disabled or deceased, the FAA can decide to use estimated income information for the award year instead of the actual income figures from the base year. This delegation of authority from the federal government to the financial aid administrator is called Professional Judgment (PJ).
贷款人发放贷款资金前，胜博发体育app借款人必须签署的具有约束力的法律文件. 本票上写明了贷款的条款和条件, including repayment schedule, interest rate, deferment policy and cancellations. The student should keep this document until the loan has been repaid.
还款时间表披露了每月的付款, interest rate, total repayment obligation, payment due dates and the term of the loan.
贷款期限是指借款人需要偿还贷款的期限. When the payments are made monthly, the term is usually given as a number of payments or years.
A student must make this in order to continue receiving federal aid. If a student fails to maintain an academic standing consistent with the school's SAP policy, 他们不太可能达到学校的毕业要求, and Federal Aid requirements and may loose Financial aid eligibility.
A form of financial aid given to undergraduate students to help pay for their education. Most scholarships are restricted to paying all or part of tuition expenses, 不过有些奖学金也包括食宿. 奖学金是一种捐赠援助形式，不需要偿还. Many scholarships are restricted to students in specific courses of study or with academic, athletic or artistic talent.
一种收费的服务，将胜博发体育app的个人资料与奖学金项目数据库进行比较. Few students who use a scholarship search service actually win a scholarship.
A loan backed by collateral. If you fail to repay the loan, the lender may seize the collateral and sell it to repay the loan. 汽车贷款和住房抵押贷款是担保贷款的例子. Educational loans are generally not secured.
Registration for the military draft. Male students who are US citizens and have reached the age of 18 and were born after December 31, 1959 must be registered with Selective Service to be eligible for federal financial aid. If the student did not register and is past the age of doing so (18-25), and the school determines that the failure to register was knowing and willful, the student is ineligible for all federal student financial aid programs. The school's decision as to whether the failure to register was willful is not subject to appeal. 需要帮助解决有关兵役登记问题的胜博发体育app应致电1-847-688-6888.
An organization that collects payments on a loan and performs other administrative tasks associated with maintaining a loan portfolio. Loan servicers disburse loans funds, monitor loans while the borrowers are in school, collect payments, process deferments and forbearances, respond to borrower inquiries and ensure that the loans are administered in compliance with federal regulations and guarantee agency requirements.
Interest that is paid only on the principal balance of the loan and not on any accrued interest. 大多数联邦胜博发体育app贷款项目提供单利. Note, however, that capitalizing the interest on an unsubsidized Stafford loan is a form of compounded interest.
如果父母调整后的总收入低于50美元,000 and every family member was eligible to file an IRS Form 1040A or 1040EZ (or wasn't required to file a Federal income tax return), 联邦方法在计算EFC时忽略了资产. If you filed a 1040 but weren't required to do so, you may be eligible for the simplified needs test. Details on the eligibility requirements appear on the Simplified Needs Test Chart. (Please note that starting in 2004, the AGI threshold for IRS Form 1040A and IRS Form 1040EZ changed from $50,000 to $100,000. Nevertheless, a threshold of $50,000 is still used for the simplified needs test.)
See Accounting Department.
总结FAFSA中包含的信息的报告，必须提供给学校的粮农组织. 特别行政区还将表明佩尔助学金资格的金额, if any, and the Expected Family Contribution (EFC). You should receive a copy of your SAR four to six weeks after you file your FAFSA. 复习你的SAR并改正SAR第二部分的错误. Keep a photocopy of the SAR for your records. 如需副本，请致电1-800-433-3243.
The amount of money the federal government expects the student to contribute to his or her education and is included as part of the EFC. The SC depends on the student's income and assets, but can vary from school to school. Usually a student is expected to contribute about 35% of his or her savings and approximately one-half of his summer earnings above $1,750.
With a subsidized loan, 比如珀金斯贷款或斯塔福德补贴贷款, the government pays the interest on the loan while the student is in school, during the six-month grace period and during any deferment periods. 补贴贷款是根据经济需要发放的，不得用于支付家庭供款. See Stafford Loans for information about subsidized Stafford Loans. See also Unsubsidized Loan.
Federal grant program for undergraduate students with exceptional need. SEOG助学金由学校的财政援助办公室颁发. 要符合资格，胜博发体育app还必须是佩尔助学金的获得者.
The number of years (or months) during which the loan is to be repaid.
Title IV of the Higher Education Act of 1965 created several education loan programs which are collectively referred to as the Federal Family Education Loan Program (FFELP). These loans, also called Title IV Loans, 是联邦斯塔福德贷款(有补贴和无补贴), 联邦PLUS贷款和联邦合并贷款.
当你填写FAFSA时，你需要提供你申请的每所学校的Title IV代码. This code is a six-character identifier that begins with one of the following letters: O, G, B, or E. The Financial Aid Information Page provides a searchable database of Title IV School Codes.
大多数学院和大学要求国际胜博发体育app参加托福考试作为他们申请入学的一部分. The TOEFL evaluates a student's ability to communicate in and understand English.
入读学士学位课程的胜博发体育app.
利息收入、股息收入及资本利得.
In an ideal world, 粮农组织将能够向每个胜博发体育app提供其支付能力和教育费用之间的全部差额. 由于预算限制，粮农组织可能会向胜博发体育app提供低于胜博发体育app需求的资助(由粮农组织确定)。. This gap is known as the unmet need.
A loan not backed by collateral, representing a greater risk to the lender. The lender may require a co-signer on the loan to reduce their risk. If you default on the loan, the co-signer will be held responsible for repayment. Most educational loans are unsecured loans. In the case of federal student loans, the federal government guarantees repayment of the loans. Other examples of unsecured loans include credit card charges and personal lines of credit.
政府不支付利息的贷款. 借款人须自发放无补贴贷款之日起承担贷款利息, even while the student is still in school. Students may avoid paying the interest while they are in school by capitalizing the interest, which increases the loan amount. 无补贴贷款不以经济需要为基础，可用于资助家庭供款. See Stafford Loans for information about unsubsidized Stafford Loans. See also Subsidized Loan.
Contributions to IRAs, Keoghs, tax-sheltered annuities and 401k plans, 以及工人的赔偿和福利待遇.
Government agency that administers several federal student financial aid programs, including the Federal Pell Grant, the Federal Work-Study Program, the Federal Perkins Loans, 联邦斯塔福德贷款和联邦PLUS贷款.
In a variable interest loan, the interest rate changes periodically. For example, the interest rate might be pegged to the cost of US Treasury Bills (e.g., T-Bill rate plus 3.1%)，每月、每季度、每半年或每年更新.
Verification is a review process in which the FAO determines the accuracy of the information provided on the student's financial aid application. During the verification process the student and parent will be required to submit documentation for the amounts listed (or not listed) on the financial aid application. 这些文件可能包括您最近的联邦和州所得税申报表的签名副本, your spouse (if any) and your parents, proof of citizenship, proof of registration with Selective Service, and copies of Social Security benefit statements and W2 and 1099 forms, among other things.
Financial aid applications are randomly selected by the Federal processor for verification, 大多数学校至少会核实三分之一的申请. If there is an asterisk next to the EFC figure on your Student Aid Report (SAR), your SAR has been selected for verification. Schools may select additional students for verification if they suspect fraud. Some schools undergo 100% verification.
如果在验证过程中发现任何差异, the financial aid office may require additional information to clear up the discrepancies. Such discrepancies may cause your final financial aid package to be different from the initial package described on the award letter you received from the school.
如果你拒绝提交所需的文件, 你的经济资助计划将被取消，并且不会获得任何资助.
For Federal financial aid purposes such as determining dependency status, 退伍军人是美国武装部队的前成员, Navy, Air Force, Marines or Coast Guard) who served on active duty and was discharged other than dishonorably (i.e., received an honorable or medical discharge). You are a veteran even if you serve just one day on active duty - not active duty for training - before receiving your DD-214 and formal discharge papers. (Note that in order for a veteran to be eligible for VA educational benefits, 他们必须连续服现役180天以上才能光荣退伍. There are exceptions for participation in Desert Storm/Desert Shield and other military campaigns.)
ROTC students, members of the National Guard, and most reservists are not considered veterans.
Since the 1995-96 academic year, a person who was discharged other than dishonorably from one of the military service academies (the U.S. Military Academy at West Point, the Naval Academy at Annapolis, the Air Force Academy at Colorado Springs or the Coast Guard Academy at New London) is considered a veteran for financial aid purposes. Cadets and midshipmen who are still enrolled in one of the military service academies, however, are not considered veterans. According to the US Department of Education's Action Letter #6 (February 1996), "a student who enrolls in a service academy, but who withdraws before graduating, is considered a veteran for purposes of determining dependency status".
Having a DD-214 does not necessarily mean that you are a veteran for financial aid purposes. As noted above, you must have served on active duty and received an honorable discharge.
ward of the court是指受法院保护的人. 法院的被监护人可由法院指定一名监护人. 法定监护人对被监护人的费用不承担个人责任，对被监护人的债务不向第三方承担责任.
虽然法院的监护人可以有法定监护人, having a legal guardian does not automatically make the child a ward of the court. A legal guardian can be appointed by parental consent through a power of attorney. A legal guardian must have been appointed by the court for the child to be a ward of the court. When a guardian is appointed by the court, 父母不再有权撤销监护.
Often a minor becomes a ward of the court when the court determines that the child will be subject to abuse or neglect if they remain with the parent or if both of the student's biological or adoptive parents are deceased.
Note that a child does not automatically become a ward of the court upon being incarcerated. The key issue is whether the court assumed custody of the child because it found that the parents are unable to properly care for the child. Likewise, emancipation does not make a student a ward of the court. 监禁或解放胜博发体育app本身都不足以使胜博发体育app独立.
The key issue for financial aid purposes is that when a child becomes a ward of the court, no parent or other person is financially responsible for the child. Legal guardians and foster parents are not financially responsible for a ward of the court. Adoptive parents, on the other hand, are financially responsible for the child.
If the student is declared a ward of the court before the end of the award year, 该胜博发体育app被认为是一个独立的胜博发体育app在奖励年度，胜博发体育app的状态将需要更新.
学校财政援助管理人员应该要求一份法院命令的副本，宣布孩子是法院的监护人. If there is any confusion as to whether the child is a ward of the court or not, 财政援助管理人应该要求法官出具一封信，说明孩子是否受法院监护.
Note that a child can be a ward of the court and still have contact with his or her biological parents or even still be living with the parents (albeit under court supervision). The biological parents, however, are no longer empowered to make any decisions on behalf of the child.
