- 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. 它还包括杂项和个人费用, 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. 教育部在你上学期间至少支付一半的利息, 离开学校后的前六个月(称为宽限期*), 在延期期间(延期偿还贷款).
- 直接无补贴贷款:借款人在所有期间都有责任支付利息的贷款. If you choose not to pay the interest while you are in school 和 during grace periods 和 deferment or forbearance periods, 你的利息会累积起来,然后资本化, 你的利息将被加到你的贷款本金中。.
- 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). 这不是你的家庭必须支付的大学学费, 也不是你将获得的联邦学生援助金额.
- 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. 学生必须在学校寻找并申请勤工俭学的工作. 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. 你的收入不能超过学校在奖励年度颁发的总金额. 勤工俭学的工作机会因学校而异. 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:不需要偿还的学生援助资金. 助学金通常是基于需求的,而奖学金通常是基于成绩的. 有时你可能需要偿还部分或全部的补助金, 例如, 一个学期还没结束你就退学了. 如果你用助学金或奖学金来支付你的生活费用, 你的奖学金金额可能会在你的纳税申报表上被计算为应税收入.
- 贷款必须连本带利偿还的借款. 贷款 from the federal 政府ernment typically have a lower interest rate than loans from private lenders. 联邦贷款, 从最有利到最不利排列, 是直接补贴贷款吗, 直接无补贴贷款, 及家长PLUS贷款. 你可以在学生援助网站上找到更多关于联邦贷款的信息.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, 高等教育院校贷款由教育部提供.
- 发放的费用:贷款人在处理新贷款申请时收取的预先费用. 这是对贷款到位的补偿. 贷款费用是贷款总额的一个百分比.
- 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. 如果你不符合你的服务义务的要求, 您收到的所有TEACH补助金将转换为直接无补贴贷款. 你必须全额偿还这些贷款, 利息由每次发放教资会补助金之日起计算. 服务义务信息可在 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, 或一年或更短的期限,在此期限内,信贷支付将不适用利率.
- 退伍军人教育福利: 帮助退伍军人的福利, 服务人员, 以及他们有能力支付大学学费的家庭成员, 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.