财政援助资源

注意:联邦政府有一个很好的在线 术语表 以及各种术语和问题的帮助部分. The items listed below are the main terms that you will read/hear about while completing your financial aid.

A

学年-不少于30周的教学时间，通常为两个学期.

权责发生制日期-利息费用开始计入贷款余额的日期.

积累的兴趣-在贷款金额上增加利息. 对于一些贷款, 贷款一发放，利息费用就开始增加了, 增加应付总额.

调整后总收入- (美国国际集团) is a United 状态s tax term for an amount used in the calculation of an individual's income tax liability.

资产-用于经济援助目的, 资产通常被认为包括支票和储蓄账户上的现金, 信托基金, 股票, 债券, 房屋净值, 其他证券(房地产), 收入型房地产, 商业设备和商业库存). 在确定预期家庭贡献(成立分公司)时要考虑这些资产。.

奖的信-通知经济援助申请人提供援助的信件. 奖励信提供了提供的援助类型和数额的信息, 以及具体的节目信息, 学生的责任, 以及决定奖项的条件.

B

借款人-承担偿还贷款本金加利息的法律义务的人. 在联邦直接贷款的情况下，借款人是学生. 在PLUS贷款的情况下，借款人是父母.

C

资本化-贷款人在借款人开始还款前就开始计息, 然后把这部分加到本金上. 这有时被称为“复利”.资本化增加了要偿还的总金额和每月最低还款额. 学生可以通过支付利息来避免资本化.

D

默认的- A borrower's failure to repay according to the terms agreed upon when the promissory note was signed. 当借款人未能提交延期或取消贷款的请求时，也可能发生违约. 当借款人拖欠联邦学生贷款时, 这所学校, 持有贷款的机构, 担保机构, 联邦政府都可以采取行动收回这笔钱. A borrower is considered to be "in default" when payments are 180 or more days overdue and no satisfactory arrangements for payment, 已经作出了推迟或容忍. 资产, 包括美国国税局(IRS)退款, 是否会被扣押，借款人的信用记录或历史是否会受到影响. 拖欠学生贷款的借款人将一直如此，直到他们全额偿还贷款, 签订新的贷款协议或重新安排债务. 在违约期间，他们没有资格获得额外的联邦学生援助，包括助学金和贷款.

延期- An authorized period of time during which a student loan borrower may postpone making payments on the principal or the principal plus interest. 借款人必须向贷款人提交延期表格，并获得批准延期.

证明需要- The difference between cost of college attendance and a student's (and the student's parents') ability to pay that cost: Student's Cost of Attendance Budget minus Family Contributions equals Demonstrated need

直接贷款——威廉·D. Ford 联邦 Direct Loan Program provides low-interest loans for students and parents to help pay for the cost of a student's post-secondary education. 贷款人是美国教育部, 而不是银行或其他金融机构.

E

成立分公司-预期家庭贡献. The amount that the federal 政府ernment has determined to be the student's/parent's contribution toward education expenses.

符合条件的非公民-非美国公民的学生, but has a valid Alien Registration Card I-551 (Green Card) or a valid I-94 (Arrival Departure Record with valid designation).

F

联邦家庭教育贷款计划- (FFELP由私人贷款机构提供并由联邦政府担保的教育贷款. 包括有补贴和无补贴的斯塔福德贷款和PLUS.

联邦方法- (FM)用于确定学生是否有资格获得联邦第四章基金的公式. 这些公式考虑了收入、资产、支出、家庭规模和其他因素.

联邦佩尔助学金-佩尔助学金适用于表现出重大经济需求的学生, 由免费申请学生资助决定. 此奖助金无须偿还.

财务需要- The difference between what it costs to attend a particular college and the amount it has been determined that a student and his/her family can afford to pay toward those expenses.

免费申请联邦学生资助- (FAFSA用于申请所有联邦第四章学生援助计划的表格, 包括佩尔助学金, 斯塔福德贷款和校园项目(SEOG和勤工俭学). 联邦助学金免费申请表, 被收集起来, 由美国教育部分发和处理, gathers the information required to determine need and eligibility according to the federal methodology. 该应用程序可在 www.fafsa.政府.

G

宽限期- A specified time period after a student leaves school or drops below half-time status during which he or she is not required to make payments on student-loan principal or interest. 宽限期一般为6个月，具体取决于贷款类型.

毕业后支付- A flexible rescheduling of loan payments that allows the borrower to make payments of different amounts (available through consolidation).

格兰特-一种不需要偿还的经济援助形式. 也被称为捐赠援助和/或优秀奖学金.

担保费用- A premium deducted from the proceeds of a Stafford Loan prior to disbursement and paid to the guarantor.

担保机构-为学生贷款提供保险的国家或州机构.

H

没有术语定义

I

独立的学生- In order to file your financial aid application as an independent student you must meet one or more of the following criteria:

• 在援助年度1月1日前年满24岁
• 美国退伍军人.S. 武装部队
• 目前在美国服役.S. 用于训练以外目的的武装部队
• 研究生或研究生/专业学生
• 在提交和签署联邦学生援助免费申请(FAFSA)之前结婚
• 孤儿或法庭的监护人
• 有配偶以外的法定受抚养人

然而, 有些家庭情况可能需要在极端情况下撤销依赖, 比如吸毒或身体虐待, 忽视, 放弃, 或者难民学生. 在这种情况下，可以向大学提出依赖性覆盖请求.

院校学生信息报告- (样品检验) An electronic record sent by the 教育部 to 这所学校 of choice as a result of completing the Free Application for Student 金融援助 (FAFSA). 也被称为特别行政区.

院校核实表格 (试管婴儿)- Form sent by the University to students selected for verification for update on taxable/non-taxable income and household size.

J

没有术语定义

K

没有术语定义

L

银行-金融机构, 比如银行, 一个国家机构, 储蓄和贷款协会, 信用合作社, 或提供FFELP和/或私人贷款的合格项目.

贷款整合-由两笔或两笔以上学生贷款组成的全新贷款, 减少每月还款额，延长贷款期限.

M

MCS-密歇根大学竞争奖学金. 由密歇根高等教育援助局管理的基于需求的奖学金. 资格部分取决于ACT考试成绩.

以业绩为基础的援助-根据学生的学业成绩发放的经济援助, 运动, 或者艺术价值, 或者其他标准. 这并不取决于经济需求.

或然数- Master 本票 -The 或然数 essentially opens a line of credit for education expenses during your academic career. 当你在期票上签字时，你就承诺偿还学生贷款. 这张便条也包括了你作为借款人的权利和责任的重要信息. The Stafford 或然数 is good for ten years provided at least one Stafford Loan disbursed to you within the first 12 months after signing.

MTG-密歇根大学学费补助金. Need-based grant program for students attending private universities (such as Davenport) in Michigan.

N

需要分析- The process that determines a student's demonstrated financial need by analyzing the information provided by the student and his or her parents (or spouse, (如适用)在经济资助表格上. All students are required to file a FAFSA (Free Application for 联邦 援助) to apply for need-based federal financial aid programs.

助学金-根据学生的经济状况发放的经济援助. 以需求为基础的援助可以以助学金、贷款或勤工俭学的形式发放.

O

融资费用- A fee charged by the federal 政府ernment and deducted from the proceeds of a loan before disbursement. This fee partially offsets the administrative costs of the 联邦 Family Educational Loan Program (FFELP).

P

主要-原始借款金额. 发起和担保费用在支付前从该金额中扣除, 利息是按本金的百分比计算的.

本票-借款人签署的法律文件. 本票包括借款的条件, 利率和其他条款. 借款人应保留所有本票的副本，直到贷款全部付清.

加上贷款- 联邦 loans made by commercial institutions that are designed to help parents meet the cost of a university education for their children.

Q

没有术语定义

R

还款计划-借款人每月供款的说明, 利率, 全部付款义务, 偿还贷款的到期日和期限.

S

特别行政区-学生资助报告-学生在提交免费申请后收到的文件
联邦学生援助(FAFSA).

兵役登记-年满18周岁，12月31日以后出生的男生, 1959, 必须在选择性服务部门注册才能获得联邦学生资助.

SOP / SAP-进步标准/满意的学业进步. Minimum academic standards that a student must maintain in order to continue to receive financial aid.

补贴贷款-学生在校期间，政府支付贷款利息, 在六个月的宽限期内, 在任何延期期间. Subsidized loans are awarded based on financial need and may not be used to finance the family contribution.

T

提示-学费奖励计划. 提示 is an incentive program that encourages eligible Michigan students to complete high school by providing tuition assistance for the first two years of college and beyond. 点击 在这里 了解更多信息.

U

未受资助的贷款-有了这笔贷款，政府在学生入学期间不支付利息. So the student has the option to either pay the accruing interest monthly or allow the interest to capitalize. 要求的付款要在学生的入学时间降至半日以下6个月后才开始. Unsubsidized Stafford Loans are not based on financial need and t在这里fore may be used to finance the family contribution.

V

验证- The process of the University checking the information that the student reported on the financial aid application. This is done by requiring the student to complete the 院校核实表格 (试管婴儿) and requiring the student to submit various documents such as student and parent tax forms.

W-Z

没有术语定义

这些是对财政援助计划有用的各种政府网站.

联邦

直接贷款合并 provides information about consolidating student loans and is very useful for students who have graduated or stopped attending school.

网上直接贷款服务 is a site that provides loan repayment information and has other resources for questions students might have about their loans.

联邦直接贷款计划 这个网站有学生需要的关于联邦学生贷款的所有信息.

国家学生贷款数据系统 (NSLDS)提供了学生贷款的详细历史, 包括退出咨询和还款信息.

学生.政府 对于计划上大学的人来说，这是一个很好的资源吗. 它对高中生和计划重返大学的成年人都特别有帮助.

U.S. 教育部 这是联邦教育部的主页.

军事资源

退伍军人权利法》

兵役制度

U.S. 退伍军人事务部

状态

密歇根担保机构 提供有关学生贷款的信息.

密歇根教育储蓄计划 (MESP)是一个帮助年幼孩子的父母为大学储蓄的州计划.

密歇根教育信托基金 (MET)是一个帮助年幼孩子的父母为他们的大学储蓄的国家项目

密歇根学生经济援助协会 (MSFAA)是密歇根州金融援助专业人员的专业协会

支付大学学费 -密歇根学生经济援助网站，为学生和家长提供许多资源.