- 出席费用(COA): 你在学年期间上学的总费用(不包括助学金和奖学金). 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. 如果你选择不支付利息,而你在学校,在宽限期和延期或宽限期, 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:你的学校用来计算你有资格获得的联邦学生援助金额的数字. 它是基于你在联邦学生援助免费申请(FAFSA)中提供的财务信息。. 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.
- 联邦半工半读的一项联邦学生援助计划,在学生入学期间提供兼职工作,以帮助支付其教育费用. The student must seek out 和 apply for work-study jobs at his or her school. 学生将直接获得他或她的工作时间的报酬,可能不会自动记入支付机构的学费或费用. 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. 联邦政府贷款的利率通常比私人贷款的利率低. 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:学生及其家庭在某一学年为学生就读某一特定学校所需支付的实际费用的估计. 净学费是由学校的出勤费用减去学生可能有资格获得的助学金和奖学金决定的.
- 非联邦私人教育贷款:私人教育贷款是由私人教育贷款机构向借款人(通过教育机构或直接向借款人)发放的专上教育费用贷款, 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:提供给受抚养本科生家长的贷款,无论贷款状况如何,借款人都要承担全部利息.
- 教师资助计划:提供最高4美元的补助金,每年向正在完成或计划完成教学工作所需课程的学生提供10,000美元. 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.
- 学费支付计划学校提供的学费支付计划可以让学生分摊学费. 它包括90天或更短的信贷延期,其中教育机构是贷款人, 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.