Financial aid is money that the government and other organizations give you or lend you so you can pay for college. Financial aid starts with the FAFSA (Free Application for Federal Student Aid). The FAFSA Application is available starting in October. Many colleges use the CSS Profile in addition to the FAFSA. Check with colleges if this form needs to be completed. Watch for financial aid 信息rmation nights available at your colleges and provided by ACCHS.
首先尝试获得“免费”的经济援助. Free financial aid is the type of aid that you do not need to repay. Free aid includes scholarships and grants.
Financial aid deadlines are specific to your situation - your 学校, where you live, what you study.
October 1 - the FAFSA (Free Application for Federal Student Aid) deadline - is the most important deadline you should know. Submit your FAFSA as soon as you can after October 1.
你所在州的援助截止日期, 学校, and private sources lend to be earlier than those for federal aid.
You must complete the FAFSA to qualify for:
Federal and most state grants, scholarships, low-cost student loans, and work-study programs.
The Pennsylvania State Grant Program and other state programs.
Step 4: Compare 学校s' financial aid offers carefully.
You receive the financial aid offer in a package, often referred to as an award letter. 理解你收到了什么. Your financial aid offers will differ from 学校 to 学校 based on differences in the cost of attendance, 提供援助, and 学校-specific criteria for awarding certain types of aid.
Step 5: Be sure you have the money you need.
Once you have received your financial aid award, you need to make sure you have enough money to cover all of your education costs.
直接成本 - costs associated with attending 学校 that are included in your award letter.
间接成本 - additional costs that may require money beyond what is allotted in your award letter.
奖的信: The document you receive from a college that explains the terms of the financial aid that the college is offering you. The 信息rmation includes the types and amounts of financial aid offered, what you're expected to do to keep the award and a deadline for accepting the award.
出勤费用: The total amount of college expenses before financial aid. Cost of attendance includes money spent on tuition and fees, 食宿, 书籍及用品, 以及生活费.
CSS/财政援助档案®: A financial aid application used by more than 300 colleges, universities and private scholarship programs to award their financial aid funds.
证明需要: The difference between your expected family contribution (EFC) and the total cos of attendance for a particular college.
预期家庭贡献: A measure of your family's financial strength. States and colleges use this numbers to help your financial aid award.
FSA ID: An FSA ID gives you access to Federal Student Aid's online systems and can serve as your legal signature.
格兰特: A kind of "gift aid" - financial aid that doesn't have to be paid back. Grants are usually awarded based on need.
负载: Money you borrow from the government, a bank or another source. Loans need to be paid back, usually over an agreed period of time. You will most likely also have to pay interest on a loan - a fee for borrowing the money.
Federal Perkins Loans may be awarded by colleges to students with the highest need.
Federal Direct Subsidized Loans are interest-free while you're in college.
Federal Direct Unsubsidized Loans charge interest, but allow you to add the interest fees to the amount you borrow until after graduation.
Federal Direct PLUS Loans allow parents (or graduate students) to borrow the total cost of college, 减去收到的任何经济援助.
奖学金: A kind of "gift aid" - financial aid that doesn't have to be paid back. Scholarships may be awarded based on merit or partially on merit. That means they're given to students with certain qualities, such as proven academic or athletic ability.
学生资助报告: The report sent to your family after you submit the Free Application for Federal Student Aid (FAFSA) that tells you what your expected family contribution (EFC) is.
勤工助学: A program that allows students to take a part-time campus job as part of their financial aid package. To qualify for the Federal Work-Study Program, 哪个是由政府资助的, you must complete the Free Application for Federal Student Aid (FAFSA). Some colleges have their own work-study programs.
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