Financial Aid Notification - Glossary of Terminology

Cost of Attendance (COA):十大网赌正规网址就读一学年的估计总费用. This amount includes direct and indirect costs: 

  • Estimated charges for one academic year of tuition and fees 

  • 学费-课程和/或其他课程的费用 

  • Fees – Charges assessed for other services  

  • 住房-包括(1)校内学生的宿舍费用或(2)校外学生的租金和水电费估计或(3)与父母同住的学生的费用估计 

  • 食物-包括膳食计划的费用和/或在家准备食物的费用估计 

  • Estimated transportation and parking costs 

  • Estimated costs for books and supplies 

  • Miscellaneous costs such as, but not limited to, personal hygiene, laundry, and reasonable entertainment 


Direct Costs:
学生/家庭直接向学院支付的费用包含在出勤费中. 


Educational Loan:
A form of financial aid that must be repaid. 教育贷款有不同的费用、利率、还款条款和/或借款人保护. 

  • 联邦学生贷款:提供给学生的联邦资金,学生必须偿还. 学生必须提交联邦学生援助免费申请(FAFSA)。, 完成入学咨询和主本票(MPN)接受这些贷款. 在学生停止注册至少一半的时间后六个月开始还款,并可选择延迟付款. 要符合资格,学生必须在符合条件的学习计划中至少注册一半时间. 

  • 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. Department of Education, through the school. 有经济需要的本科生有资格获得补贴贷款. 当学生至少有一半的时间和在政府允许延期还款的特定时期入学时,政府支付贷款利息. There are annual limits on the amounts that may be borrowed, 根据学生在学校的学年和学生的依赖或独立状态而有所不同. 

  • 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. Department of Education, through the school. Interest accrual begins immediately, 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. There are annual limits on the amounts that may be borrowed, 根据学生在学校的学年和学生的依赖或独立状态而有所不同. 

  • 联邦直接父母PLUS贷款(PLUS):由美国联邦政府提供给受抚养本科生父母的贷款资金.S. Department of Education, through the school. 这项联邦贷款计划允许没有不良信用记录的父母申请贷款金额高达 Cost of Attendance 每年减去受抚养学生获得的任何经济援助. 一旦贷款全部支付,本金和利息立即开始偿还,并有一些延迟付款的选择. 

  • Private Loan: A student or parent loan from a commercial, 国家附属或私人贷款机构过去常常支付每年的入学费用, less any financial aid received. Private loans have varying interest rates, 费用和还款选择,通常要求申请人信誉良好或有信誉良好的委托人. Repayment generally begins immediately. 


Student Aid Index (SAI):
一个资格指数,大学财政援助人员使用它来确定如果你进入他们的学校,你将获得多少财政援助. SAI是根据法律规定的公式计算的,并基于学生及其家庭在联邦学生援助免费申请(FAFSA)上提供的信息。. 


Federal Pell Grant:
联邦政府向表现出特殊经济需求且学生援助指数低于联邦政府规定的某一门槛的本科生提供的联邦补助金. 佩尔助学金的奖励金额是根据注册状态按比例分配的. 


Federal Supplemental Educational Opportunity Grant (FSEOG):
由学校颁发给有特殊经济需要的合格本科生的联邦助学金.  


Federal Work-Study (FWS):
由学校提供和管理的联邦计划,为有经济需要的学生提供兼职工作的机会,以帮助他们支付教育费用. Students are responsible for finding qualified employment. Funds are paid out through a paycheck, as earned. 


Gift Aid:
Funds awarded to the student that do not have to be repaid, unless the student fails to meet certain criteria, 例如,作为捐赠援助的条件指定的服务要求,或未完成提供援助的期间. Gift aid can include awards with titles such as grants, scholarships, remissions, awards, waivers, etc. Gift aid can be awarded based upon many factors, including (but not limited to) financial need, academic excellence, musical talent, affiliation with various groups, and/or career aspirations. 


Grant:
Gift Aid that is typically based on financial need. 


Indirect Costs:
不直接支付给学校的预估费用. 


Need:
学生的出勤费用减去他们的学生资助指数. 


Net Price:
申请所有捐赠援助后剩余的直接和间接费用金额. Net price can be covered through a variety of sources, including savings, income, and education loans. 


Out of Pocket Cost:
 The amount of direct costs remaining after all gift aid, scholarships, and educational loans are applied. 


Scholarship:
Gift Aid that is typically based on merit, such as academic excellence, talent, affiliation with various groups, or career aspirations or a combination of merit and need. 


Self-help:
一种机构期望学生通过贷款组合为他们的教育做出贡献, student employment such as Federal Work-Study, and/or summer savings. 


Unmet Need:
The student's Cost of Attendance, minus their Student Aid Index, less any aid received, such as Gift Aid, Federal Work-Study or Federal Direct Subsidized Loans. 


Verification:
联邦政府授权的程序,以确认选定申请人在联邦学生援助免费申请(FAFSA)上提供的数据的准确性。. To complete the verification process, 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. 如果学生提供的文件与FAFSA报告的不匹配, 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. 曼彻斯特与一家名为Inceptia的公司合作,协助处理验证要求. 

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