Common Terms and Their Meaning
Cost of Attendance (COA): 就读一所院校一学年的估计总费用. 这一数额可能包括以下内容:
- 估计一学年的学杂费
- 学费-课程和/或其他课程的费用
- 收费-其他亚洲体育博彩平台的收费(例如.g. 技术访问，娱乐中心使用)
- Housing – Includes residence hall charges for on-campus students or an estimate of rent and utilities for an off-campus student
- Food – Includes the cost of a meal plan and/or an estimate of the costs of food prepared at home
- 估计的交通和停车费用
- 书籍、课程材料、用品和设备的估计费用
- 购买或租用电脑
- 个人卫生、洗衣和合理的娱乐等杂项费用
- 与出勤有关的特定学生情况下的其他费用, 例如在上课或学习期间的依赖照顾, 有关残疾的开支, study abroad, educational loan fees, and others
- Student health insurance costs
Default: Failure to make student loan payments or otherwise honor its terms; reported to credit bureaus and can influence future credit.
Educational Loan: 一种必须偿还的经济援助. Educational loans have varying fees, interest rates, repayment terms, and/or borrower protections.
- Federal Student Loan: 提供给学生的联邦基金，必须由学生偿还. Students must complete Entrance Counseling and a Master Promissory Note (MPN) to receive these loans. Repayment begins six months after the student ceases to be enrolled at least half-time with options to delay payment available. To be eligible, the student must be enrolled at least half-time in an eligible program of study.
- 联邦直接资助学生贷款: 由美国政府提供给学生的贷款资金.S. 教育部，通过学校. 有经济需要的本科生有资格获得补贴贷款. The government pays the interest on the loan while the student remains enrolled at least half time and during certain periods when the government allows deferment of repayment. 每年的借款额度是有限制的, which vary by the student's academic year in school and the student's dependent or independent status.
- 联邦直接无补贴学生贷款: 由美国政府提供给学生的贷款资金.S. 教育部，通过学校. 本科生和研究生无论他们的需要, 有资格获得无补贴贷款, 只要他们提交了联邦学生援助免费申请(FAFSA). 利息应计立即开始, 学生可以选择在入学时支付利息，也可以选择在还款时支付利息. 每年的借款额度是有限制的, which vary by the student's academic year in school and the student's dependent or independent status.
- 联邦直接毕业生PLUS贷款: 美国政府为研究生提供的贷款基金.S. 教育部，通过学校. This federal loan program allows graduate students with no adverse credit history to apply for a loan amount up to their Cost of Attendance each year, 减去收到的任何其他经济援助.
- 联邦直接父母PLUS贷款(PLUS): 美国政府为受抚养本科生的父母提供的贷款资金.S. 教育部，通过学校. This federal loan program allows parents with no adverse credit history to apply for a loan amount up to the Cost of Attendance each year, 减去受抚养学生获得的任何经济援助. Repayment of principal and interest begins immediately once the loan is fully disbursed with some options to delay payment available.
- Private Loan: 学生或家长从商业贷款, state-affiliated or institutional lender used to pay for up to the annual Cost of Attendance, less any financial aid received. 私人贷款有不同的利率, 费用和还款选择，通常要求申请人有信誉, or have a creditworthy cosigner. 还款一般立即开始.
Enrollment Status: 学术工作量(或课程负荷), as defined by the institution, 学生在规定的学习期间注册. This normally relates to the number of credit hours or clock hours taken by a student during a given academic period (e.g. 全职，四分之三时间，半场时间，不到半场时间).
Expected Direct Costs: Charges included in the Cost of Attendance that the student/family pays directly to the college.
预期家庭贡献: An eligibility index that college financial aid staff use to determine how much financial aid you would receive if you were to attend their school. The EFC is calculated according to a formula specified in law and is based upon the information provided by the student and their family on the Free Application for Federal Student Aid (FAFSA).
家庭经济责任(FFR): Many schools award institutional need-based scholarships and grants based upon a more comprehensive calculation of family financial circumstances using information provided on the CSS PROFILE or the institution's own financial aid form. This can result in a higher (or lower) figure than the Free Application for Federal Student Aid (FAFSA) might indicate with its Expected Family Contribution (EFC) estimate.
Federal Pell Grant: A federal grant provided by the federal government to undergraduate students who demonstrate exceptional financial need and have an Expected Family Contribution below a certain threshold established by the federal government. 佩尔助学金的奖励金额是根据注册状态按比例分配的.
联邦补充教育机会补助金(FSEOG): A federal grant awarded by the institution to qualified undergraduate students who demonstrate exceptional financial need. 优先考虑联邦佩尔助学金获得者.
Federal Work-Study (FWS): A federal program offered and administered by the institution that provides opportunity for part-time employment to students with financial need to help pay their educational expenses. 学生有责任找到合格的工作. 资金通过薪水支付，作为收入.
Gift Aid: 授予学生的不需要偿还的资金, 除非学生达不到某些标准, such as a service requirement that is specified as a condition of the gift aid or not completing the period for which the aid was awarded. 捐赠援助可以包括诸如助学金之类的奖项, scholarships, remissions, awards, waivers, etc. 捐赠援助可以根据许多因素颁发, 包括(但不限于)经济需求, academic excellence, athletic, musical, and/or theatrical talent, affiliation with various groups, and/or career aspirations.
Grant: 通常是基于经济需要的礼物援助.
Income Share Agreement (ISAs): A student's contract with their institution or a private entity to pay a percentage of their future earnings for a fixed period after graduation in exchange for funds to pay for their education while enrolled.
Indirect Costs: Estimated expenses in the Cost of Attendance that are not paid directly to the institution.
伊拉克及阿富汗服务补助金: A federal grant to qualifying students with a parent or guardian who died as a result of U.S. 2001年9月11日之后在伊拉克或阿富汗服役. 如果学生有资格获得联邦佩尔助学金，他或她不能获得isasg.
Need: 学生的就读成本减去他们的预期家庭贡献, 或家庭经济责任(如适用).
Net Price:申请所有捐赠援助后剩余的直接和间接费用金额. 净价可通过多种渠道覆盖, including: savings, income, and education loans.
Program Level: 学生所就读的学位授予课程的等级. 课程级别可能包括:本科(寻求副学士学位的学生), an undergraduate certificate, or a baccalaureate degree); post-baccalaureate (such as teacher certification); or graduate (students working on a master's degree, graduate certificate, doctorate, or professional degree). 学生有资格获得的经济援助的数额和类型是确定的, in part, by their program level.
Scholarship: 捐赠援助通常是基于成绩的, such as, academic excellence, talent, affiliation with various groups, 或者是职业抱负，或者是优点和需求的结合.
Self-help: An institution's expectation that a student contribute toward their education using a combination of loans, 学生就业，如联邦勤工助学, and/or summer savings.
大学及高等教育教师教育资助(TEACH)补助金: 为本科生和研究生提供的联邦助学金, awarded in exchange for specific future teaching service in designated high-need fields and low-income elementary and secondary schools. 如果学生没有完成要求的教学服务, 补助金变成了必须偿还的联邦直接无补贴贷款.
Unmet Need: 学生的出勤费, minus their Expected Family Contribution 或家庭经济责任(如适用), 减去收到的任何基于需要的援助, such as Gift Aid, 联邦勤工俭学或联邦直接补贴贷款.
Verification: A federally mandated process to confirm the accuracy of data provided by selected applicants on the Free Application for Federal Student Aid (FAFSA). 完成验证过程, the student, their parent(s), or spouse, if applicable, 是否需要向学校提供某些文件以供审查. If the documentation the student provides the institution doesn't match what was reported on the FAFSA, 验证可能会导致学生的经济援助资格发生变化, and/or financial aid offers.