- 出席费用(COA): The total amount (not including grants 和 scholarships) that it will cost you to go to school during the school year. COA includes tuition 和 fees; housing 和 food; 和 allowances for books, 供应, 运输, 贷款费用, 依赖性护理. It also includes miscellaneous 和 personal expenses, such as an allowance for the rental or purchase of a personal computer; costs related to a disability; 和 reasonable costs for eligible study-abroad programs. 上课时间少于半天的学生, the COA includes tuition 和 fees; an allowance for books, 供应, 和 运输; 依赖性护理 expenses.
- 直接资助贷款:美国提供的贷款.S. Department of Education pays the interest on while you’re in school at least half-time, for the first six months after you leave school (referred to as a grace period*), 和 during a period of deferment (a postponement of loan payments).
- 直接无补贴贷款: 贷款 that the borrower is responsible for paying the interest on during all periods. If you choose not to pay the interest while you are in school 和 during grace periods 和 deferment or forbearance periods, your interest will accrue (accumulate) 和 be capitalized (that is, your interest will be added to the principal amount of your loan).
- 预期家庭贡献: A number used by your school to calculate the amount of federal student aid you are eligible to receive. It is based on the financial information provided in your Free Application for Federal student Aid (FAFSA). This is not the amount of money your family will have to pay for college, nor is it the amount of federal student aid you will receive.
- 联邦半工半读的: A federal student aid program that provides part-time employment while the student is enrolled in school to help pay his or her education expenses. The student must seek out 和 apply for work-study jobs at his or her school. The student will be paid directly for the hours he or she works may not automatically be credited to pay for institutional tuition or fees. The amount you earn cannot exceed the total amount awarded by the school for the award year. The availability of work-study jobs varies by school. Please note that 联邦半工半读的 earnings may be taxed in certain scenarios; however the income you earn will not be counted against you when calculating your 预期家庭贡献 on the FASFA.
- 助学金及奖学金: Student aid funds that do not have to be repaid. 奖助金 are often need-based, while scholarships are usually merit-based. Occasionally you might have to pay back part or all of a grant if, 例如, you withdraw from school before finishing a semester. If you use a grant or scholarship to cover your living expenses, the amount of your scholarship may be counted as taxable income on your tax return.
- 贷款: Borrowed money that must be repaid with interest. 贷款 from the federal 政府ernment typically have a lower interest rate than loans from private lenders. 联邦贷款, listed from most advantageous to least advantageous, 是直接补贴贷款吗, 直接无补贴贷款, 及家长PLUS贷款. You can find more information about federal loans at StudentAid.政府.
- 净价: An estimate of the actual cost that a student 和 his or her family need to pay in a given year to cover education expenses for the student to attend a particular school. Net price is determined by taking the institution's cost of attendance 和 subtracting any grants 和 scholarships for which the student may be eligible.
- 非联邦私人教育贷款: A private education loan is a loan issued expressly for postsecondary education expenses to a borrower (either through the educational institution or directly to the borrower) from a private educational lender, 而不是第四章, HEA loan offered by the Department of Education.
- 发放的费用: An upfront fee charged by a lender for processing a new loan application. It is compensation for putting the loan in place. Origination fees are quoted as a percentage of the total loan.
- 家长附加贷款: A loan available to the parents of dependent undergraduate students for which the borrower is fully responsible for paying the interest regardless of the loan status.
- 教师资助计划:提供最高4美元的补助金,000 a year to students who are completing or plan to complete course work needed to begin a career in teaching. If you do not meet the requirements of your service obligation, all TEACH 奖助金 you received will be converted to 直接无补贴贷款. 你必须全额偿还这些贷款, with interest charged from the date of each TEACH Grant disbursement. Service obligation information can be found at http://studentaid.gov/understand-aid/types/grants/teach.
- 学费支付计划: A tuition payment plan offered by an institution may allow students to spread out their payments. It includes an extension of credit of 90 days or less in which the educational institution is the lender, or of one year or less where an interest rate will not be applied to the credit payment.
- 退伍军人教育福利: 帮助退伍军人的福利, 服务人员, 和 their qualified family members with needs like paying college tuition, 找到合适的学校或培训项目, 获得职业咨询. 你可以在这里找到更多信息: http://www.va.gov/教育/.
欲知详情,请浏览 http://studentaid.gov.