财政援助词汇表

Here are definitions for common terms used in 金融援助: 

• 预算
  • 参见出勤费用
• 资本化
  • 的 practice of adding interest to the principal, or loan amount, instead of paying 在学校的兴趣. 资本化 eliminates payments while in school, but does increase the amount owed after school.
• 取消
  • Some loans provide for cancellation for part or all of the amount owed under certain circumstances, such as teaching in designated teacher shortage areas.
• 合并贷款
  • This is a loan that allows borrowers to lower their monthly payments by replacing 他们的原始贷款加上新的贷款. 合并贷款的期限通常较长 period of repayment, and more interest that must be paid.
• 出勤费用(预算) 
  • A figure used to determine eligibility 申请经济援助, representing the average cost of education, generally for a school year. 出勤成本也是已知的 as the 预算; it includes fees, tuition, room and board, books and supplies, transportation 杂项.
• 默认的
  • Failure to repay or otherwise meet the terms and conditions of a loan. 对大多数学生来说 loans, it takes six months of delinquent payments for a loan to go into default. 的 penalties for defaulting include loss of 金融援助 eligibility, a bad credit rating, withholding of tax refunds, garnishing wages, and loss of monthly payment options (the whole loan becomes due and payable at once).
• 延期
  • A deferment is the postp一个ment of the payments 在学生贷款上. 大多数缓服兵役的时间 are legal entitlements; if you meet the deferment criteria and apply for it properly, 必须批准你的延期. (参见忍耐).
• 犯罪
  •  不能按期偿还贷款.
• 依赖 

  • This means that parental information is considered in determining a student's eligibility 申请经济援助.

    Note that a student may be living away from home and not receiving any m一个y from parents and still be dependent 申请经济援助 purposes.

    Also, students are not considered independent just because their parents are not claiming 他们的纳税申报单. Generally, any student under age 24 is considered dependent.

• 入学贷款咨询
  • A required online session for first time student borrowers during which the terms 并说明了贷款的条件.
• 退出贷款咨询 
  • A required on-line session for student borrowers who are graduating or otherwise leaving school, or drop below half time enrollment, during which the terms and repayment of 对贷款进行了解释.
• 预期家庭贡献(EFC)
  • 联邦学生资助(金融服务管理局) defines EFC as: An index number that 金融援助 uses to determine how much financial 学生将获得的援助. 的 information reported on the FA金融服务管理局 is used to calculate 一个更.
• FA金融服务管理局
  •  This is the Free Application for Federal Student Aid used to apply for federal and 国家财政援助.
• 金融服务管理局 ID
  •  的 金融服务管理局 ID is issued by the US Department of 教育, and is used by students to to: apply 申请经济援助 online, electronically sign their applications, and access 其他几个联邦学生援助网站. 
• 费延期
  •  Fee deferrals protect classes and delay the payment of tuition fees until after the 学期开始.
• 财务需要
  • 财务需要 is the difference between the student's 出勤费用 (budget) 期望的家庭贡献. Eligibility is determined by a student's need.
• 忍耐

  • 忍耐 is a way to postp一个 or reduce the payments 在学生贷款上. 忍耐 与延期在三个方面不同:

    1:这不是法律要求;

    2: It is given at the lender's (or holder of the loan) discretion; and

    3: Interest continues to acrrue even if forebearance is granted (see also deferment).

• 装饰
  •  Withholding part of a borrower's paycheck to repay a loan, generally when that loan 已经违约了.
• 宽限期
  • This is a period of time during which a borrower is not required to make payments 在学生贷款上. Grace periods normally begin after the student is no longer enrolled at least half-time, and last from 6 to 9 months.
• 独立的
  • Parental information is not considered in determining a student's eligibility for 金融援助. Any student who is age 24 by December 31 of the award year is automatically 独立于经济援助目的.
• 主本票(MPN)
  • A written, legally binding promise to repay a loan. 主本票(MPN) outlines the terms and conditions of the loan, including repayment schedule, interest rate, deferment policy, and cancellation provisions. 根据联邦直接贷款 Program, the MPN must be signed every 10 years.
• 需要
  • 需要 is the difference between the student's 出勤费用 (budget) and expected 家庭的贡献. Eligibility is determined by a student's need.
• 融资费用
  • This is a fee deducted from student loans to help pay the administrative costs.
• 主要
  • 贷款所借或欠的金额.
• 学生资助报告(SAR)
  • 的 学生资助报告(SAR) is sent to the student after applying 申请经济援助. 特别行政区决定是否有资格获得 佩尔助学金.
• 令人满意的学业进展
  • Refers to a school's policy concerning the minimum number of units that must be completed each semester, the maximum time frame, and the minimum GPA required while receiving 金融援助.
• 补贴贷款
  • This is a loan that student borrowers do not have to pay interest on until after their 宽限期届满.
• 未满足的需求
  • 的 difference between the financial need and your 金融援助 offer is considered 未满足的需求.
• 未受资助的贷款
  • This is a loan that student borrowers must pay all the interest on, including while 他们注册了. However, students can elect to capitalize the interest, and make 他们毕业后的工资.
• 验证
  • A review process through which a 金融援助 Office must request documentation from a 金融援助 applicant to verify the accuracy of the information provided on the FA金融服务管理局应用程序.