what is a financial aid package
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What is a financial aid package

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For example, it will look strange if you and your parents have traveled half the world, and you talk about it in a motivation letter or essay. It will be strange to say that you have no money to study at the same time. Each application for financial assistance is considered by the college admissions individually and meticulously, so take care of all documents proving your family's income. Students can receive various types of aid on several grounds: for certain merits or due to financial need.

Grants are funds provided to you to implement various projects or, as in our case, to study. What do you need to know about the grant? Secondly, you are not the only one who wants to receive a grant, so you will have to compete for it on a competitive basis. Here you can use all your trump cards - special merits, talents, past victories. For enrollment in the ranks of the lucky ones who received such a grant, a student must be researching a university or government agency.

Most often, research grants are given to Ph. Higher education students should fight for eligibility among a variety of federal grants, such as:. The first step is to choose a university or college. Next, find out what grants are offered by this institution or other funding initiators. Then study the requirements in detail and soberly assess your chances of receiving a grant.

If you decide to participate in a program, then start preparing a package of necessary documents and have time to submit them by the deadline for applications. But keep in mind that not all grants fully cover all living expenses and tuition, so pay attention to the minimum required by the grantor including with the removal of housing.

Pay attention to Pell Grant - it is one of the most popular. After reviewing the FAFSA application and calculating the expected family contribution EFC , the financial aid office issues a verdict on the award of the grant. In fact, the only difference is that the grant is a one-time payment of the entire amount declared, and the scholarship is divided into parts and the student receives it monthly during the period of study.

There are two different ways to get a study loan. You can take a loan to study at a bank or from private sources. However, it would be much more profitable to obtain such a loan from the federal government. Such assistance will be called federal student loans. And this is another way, in addition to grants and scholarships, to study where you want. This is a free option but a significant step because, based on this document's review, the educational institution will decide the student's future.

Such loans do not require high-interest rates. It depends on the date of payment of the first installment and does not change during the academic year. The difference between the fixed interest rate of private and federal loans is huge. While borrowers will have to pay 6 times more to private organizations. The direct loan program is the most affordable and reliable source of funding for college students.

Students or family members can also enlist the financial support of private lenders. These can be local and national banks, online lenders, or student credit unions. Private student loans have fewer advantages than federal ones - higher interest rates and mandatory creditworthiness testing. Have you heard of federal work-study? If not yet, we advise you to get acquainted with this type of additional earnings for students. The student can earn extra money for his education without separation from the learning process.

These can be responsibilities related to the training course or community service. The student can work part-time, regardless of the form of study - full-time or part-time. If a student has certain financial problems - he can count on this type of financial aid from the institution.

If you work on campus, you usually work in the same institution where you study. If you work off-campus, your employer will usually be a private non-profit organization or government agency. Then the work done must be in the public interest. Some HEIs may have agreements with private commercial employers for jobs. These jobs must be consistent with your course of study.

The amount you earn cannot exceed the total amount of the tuition fee. Your employer or financial aid department will take care of this. Schedule and academic performance will be taken into account when setting hours. You will not miss classes and will not earn more than is required to pay for tuition. You must also renew your FAFSA for each academic year you are in school or you will not qualify for additional federal financial aid including renewable aid you received the previous year. To maximize your access to aid, renew your FAFSA on October 1 of the year before the academic year you are renewing for, just as you did with your first year of college.

The renewal process is usually easier and faster than the original because much of your personal and demographic information is retained. You still need to check it to make sure it is accurate, but there is no cost to submit or renew the FAFSA. Check the College Board list of Participating Institutions and Programs for detailed information about which schools require CSS and which classifications of students or parents are required to file.

Amherst College in Amherst, Mass. Loyola University in Baltimore, Md. Waivers may be available for first-time domestic college applicants if:. The open date—the soonest you can apply for financial aid—is more important than the deadline, which is the latest you can apply. Procrastinators beware! Although the FAFSA, the CSS Profile, colleges, and universities all have deadlines—the last date you can apply for aid each year—the most important date to remember is the open date—the first date each year you can apply for financial aid.

The open date for the academic year —23, for example, was Oct. Whether need-based or merit-based, federal or private, financial aid typically comes in one of the following forms:. A grant is "free" money that doesn't need to be paid back except when you fail to live up to the terms of the grant, such as by leaving school.

Grants can come from the federal or state government, schools, or private or nonprofit organizations. Most grants are need-based but merit-based grants are also available. Like grants, scholarships are gifts and do not need to be repaid unless you don't live up to the terms of the scholarship. Also like grants, scholarships can come from the federal or state government, universities, or private or nonprofit organizations. Scholarships tend to be merit-based, though there are also scholarships that are need-based or that take both merit and need into consideration.

Some scholarships are aimed at specific groups, such as women, minorities, or students from military families. Learn about scholarships that may be available to you through your school counselor, college financial aid office, or even at your local library. Work-study typically refers to federal work-study, a program that provides part-time work on or off-campus while you are enrolled in school. Federal work-study is only available to you if you have demonstrated financial need.

Qualifying does not guarantee you a job. You will need to apply, interview, and be hired. You will earn at least the federal minimum wage more for higher-skilled jobs depending on when you apply, your financial need, and the school's available funding. Another type of job, known as a non-work study, is also available at many colleges and universities. These jobs are not government-sponsored, earnings vary, and funding comes from the department doing the hiring. To learn more about both programs, contact your college financial aid office.

Federal student loans are government loans and include terms and conditions with benefits i. The Federal Direct Loan Program offers four types of federal loans:. Private student loans are made by banks, credit unions, and other state-based organizations. These loans include terms and conditions set by the lender and are generally though not always more expensive than federal student loans. Unlike most federal loans , private loan rates are based on your credit score and lenders may offer you a variable interest rate instead of a fixed one.

You may be required to begin paying back your private loan while still in school. Federal loans allow you to wait until you leave school or graduate. Most of the details of obtaining financial aid take place at the college or university level.

Importantly, while there are lots of similarities in the ways colleges award aid, each school has its unique process when it comes to open dates, deadlines, procedures, and the actual awards process. It's especially important to understand the differences between scholarships, grants, and loans see above when you read your financial award letter.

Others package financial aid with no loans and some even raise your financial aid package each year to cover tuition increases. It pays to know not only what you will get but also how it will be packaged. A big part of the financial aid awards process has to do with you and your family's ability to pay for college—that is, your expected family contribution EFC.

In addition to some changes in the way the SAI is calculated, the change attempts to clarify what this figure is—an eligibility index for student aid, not a reflection of what a family can or will pay for postsecondary expenses. When the letter will arrive depends on the school, but generally, you can expect it at about the same time you receive your acceptance letter from that school.

The amount of aid offered can range from zero to the full cost of attending college. It will be broken down into three categories: free money you don't have to pay back, earned money via work-study or non-work study , and borrowed money either from federal or private student loans. If you feel your federal financial aid award is inadequate, you can request a professional judgment review by the awarding school.

However, you will need a legitimate reason to convince the school your award is insufficient. One way would be to demonstrate that your family's financial situation has changed for the worse. If that's the case, the school will typically ask you to submit a letter summarizing the new circumstances. This could include a divorce , a death in the family, a job loss, or sudden high medical costs. If another school has offered you a larger award, you could try contacting the school offering the lower award and ask if they will match the larger offer.

Historically, many colleges and universities have been criticized for encouraging college candidates to commit early with the understanding they could not switch colleges, even though the understanding was not legally binding. For the candidates, early commitment could mean passing up a better financial aid package from another school. Now, however, students will have recourse. Furthermore, NACAC members are now allowed to encourage enrolled students to transfer to a school with a better financial aid package, offer perks such as special scholarships and priority course selection for early enrollees , and recruit students beyond the traditional May 1 deadline, giving those students more time to choose the best financial aid package.

The NACAC has said it will follow the restrictions outlined in the consent decree, although it believes the deleted provisions of the CEPP did provide substantial aid and protection to students. Understanding how this process works is the best way to establish as much control and choice over financing college as possible. Financial aid in the form of a loan is to be paid back. If it is a federal loan, repayment begins after a student has graduated, with a grace period of six months after finishing school.

On the other hand, privately-issued loans may require repayment during the school year. Other forms of financial aid, such as scholarships and grants do not need to be paid back. Grants, scholarships, loans, and work-study are four primary forms of financial aid.

Students may be eligible for more than one type of financial aid, based on their financial need and academic, athletic, or artistic achievement. FAFSA aid is calculated based on a number of factors. Next, to identify non-need-based aid, any financial aid already received is subtracted from the COA.

Remember that planning can never start too early. One of the basics to know is that aid can come from a variety of sources. Be sure to look at the College Preparation Checklist published by the U. This will guide you from wherever you are—elementary, middle school, high school, or young adult—to college with a plan to pay for your education. Sallie Mae. Federal Student Aid.

College Board. Department of Education. Federal Register. United States Department of Justice. Student Loans. Saving For College. Your Money. Personal Finance.

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Some types of need-based financial aid may require you to pursue a specific career. This grant requires you to complete four years of qualifying teaching to keep your free money. Like grants, scholarships may be need-based dependent on financial need or merit-based. Merit-based scholarships. A work-study job program allows you to earn cash to cover the cost of tuition and other eligible expenses.

Most undergrads receive an hourly wage, while some graduate students may be eligible for a salary. For this reason, your work hours may be limited. Depending on the terms of your work-study program, your employer may pay you directly or make the payments to your college for eligible education expenses tuition, fees, and room and board.

The Federal Work-Study program from the Department of Education is the most popular work-study program. Many states offer work-study programs separate from the federal program. A student loan is a fixed amount of money that you borrow and pay back according to a schedule typically monthly. Key elements of a student loan include:.

Interest rate: The cost of the money that you borrow, usually expressed as a percentage. Repayment term: The life of the loan: how long it takes you to pay it all back. Monthly payment: The amount that you send to your lender every month. This payment depends on the interest rate and repayment term of the loan. When you borrow from the Department of Education, you take out a federal student loan. A federal subsidized loan covers your interest payment while you're in school and defers your payment up to 6 months after graduation.

If you have to take out a loan, you should first seek a federal subsidized loan and only then consider a federal unsubsidized loan. The next options to consider are state student loans. A private student loan should be your last option when evaluating student loans since they tend to have less favorable terms and higher interest rates.

Often, some of those funds go unused. Contact your state agency for more details because they vary from state to state. Some schools may require you to complete a College Scholarship Service CSS profile to apply for additional sources of financial aid. About schools require a CSS profile. Students with low income or financial need may qualify for a fee waiver. The federal deadline is June 30 of every year. The federal deadline for the academic year is June 30, , and the one for the academic year was June 30, Plus, schools often set their own deadlines, which are typically earlier.

Each college has its own deadline. Contact your state agency and school financial aid for the deadline to keep top of mind. This is another reason to be in constant contact with the financial aid office of your school. If your financial, academic, or life situation has changed, you can submit an appeal for your financial aid package.

Your school will provide you more details on the necessary steps to appeal to your financial aid package. Show your math: If you're requesting an extra amount, break down that amount as much as you can. Bring up another financial award letter: An award letter from another school may provide you some leverage to negotiate a higher amount. Document financial need: Be transparent about what you can afford and reveal your financial situation in more detail.

If you have experienced major life events, such as a family emergency or divorce, you may be able to use them as support for financial need. There are many financial aid opportunities out there. Most money and property owned by your family will be counted as an asset. In this section, write the value of assets and any debt counted against the asset at the time you complete this application. Families are not expected to contribute all their assets toward their child's education.

On the contrary, only a reasonable percentage of assets reported on your financial aid applications will be taken into account when determining EFC. You must use specific amounts for each category listed if applicable. If you do not know the exact amounts, provide an estimate. In this section, identify the amount of money you and your family are able to contribute toward your education. These amounts may not be what you will be responsible for. Families should include information in this if they have experienced unexpected and uncontrollable changes in their financial circumstances.

Examples of these changes include:. In both applications, there is a section for families to explain any special circumstances universities should consider when reviewing their application. In some cases, financial situations might change while the application is being processed. Or maybe you found an error in your application after you submitted. Always inform the colleges of any special circumstance and errors to give yourself the best chance at receiving aid.

Because funding is limited, it is important you update the college with these changes as soon as possible. You might get a full ride, which covers all billable expenses , leaving you responsible for expenses such as health care, books, and transportation costs. The package may also include merit loans , which have academic minimums you must maintain, or loans you must repay after graduation.

This award letter is very clear and breaks down the COA and award for the student. There are no loans in this aid package. Putting your packages side by side in a chart really helps you compare what each school covers and what you are responsible for. For a slightly longer guide to reading your Financial Aid Award Letters, including a downloadable template, click here.

While not guaranteed, it is sometimes possible to make a "Financial Aid Appeal" to a university and have your financial situation reexamined. Financial appeals should be made to the one school, if given the right financial aid package, you would definitely attend. Your appeal not only should ask the university for flexibility, but also show your flexibility regarding your family's contribution.

How likely is it that colleges and universities consider an appeal? It usually depends on whether there are still funds remaining in their financial aid budget. This can be done by submitting supporting documents and explaining the situation in writing. For a longer guide on how to write a letter of appeal, including examples, click here. As you approach the end of the college application season, don't forget about grace and gratitude.

Whoever had a hand in getting you to this finish line, show them your appreciation and thanks. Remember to take a moment to share your news good or bad with the people who wrote letters for you, who sat up late with you as you barely made that deadline, or who had a kind word for you when things felt complicated. With your mind and heart open, remember that a tactful show of appreciation can come in the form of a handwritten note, personalized email, a video chat, or even a face-to-face.

Whatever you decide to do, do it with intention. Here is a sample letter from students to inspire you on your path to gratitude. I hope this email finds you well. With my last milestone as a high school student finally over, I wanted to thank you personally for your support. Thank you for not only helping me with so many personal matters, such as figuring out what I want to be in the future, but reminding me of who I am during the process.

While I am still not sure where exactly I would like to be in a couple of years, it is my firm belief that I hope to be a voice for those less privileged than I am. I am grateful I had such powerful educators such as yourself to support me throughout. Thank you again for everything. I hope to keep in touch with you.

My Responsibility: The Search for Fit. Non-Traditional or Alternative Pathways to College. Create an account or log into your College Board account. Select the correct application year. Complete the application … and pay the fee. Student Demographic Information. Parent Information. Student Academic Status. You are considered a first-year student if you: Earned college credits while in high school Were enrolled in college courses while in high school. Income and Assets of Parents and Students.

Parent Expense Details. Forms and Status of Submitted Documents. Student Information. Financial Information. Income includes: Money earned from work wages Self-employment income Business income Income from investments, dividends or retirement payments Income plays an important factor in determining EFC. Asset Information. Assets include: Savings Land owned Business equity Home equity Families are not expected to contribute all their assets toward their child's education. Special Circumstances.

Changes to your Financial Aid Application. Need more help? What is considered a reason for appeal? Want to see an example? Gratitude and Grace. Glossary of Terms. Agent: A company agency or individual agent contracted and paid by high schools and universities in other countries to advise and recruit students to their institutions.

Apostille: A legalized document. This treaty defines the ways through which a document issued in one of the countries that signed the treaty or convention can be certified for legal purposes in all the other countries that signed the treaty. This is the bill the student or family will receive from an institution.

Colleges: These are often categorized as smaller institutions that emphasize undergraduate education in a broad range of academic areas, such as a liberal arts college. Cost of Attendance COA : This is an estimate of your educational expenses for a given period of enrollment.

The COA is the cornerstone of establishing your financial need, and it sets a limit on the total aid you may receive. It consists of both direct costs , or those paid directly to the institution, and indirect costs , or those that are incidental to your attendance. Department of State works to inform both U. Certificate of Finances: This form, issued by College Board, helps colleges and universities obtain accurate financial-related information about international applicants seeking to study in the United States.

Because financial verification is required before a Certificate of Eligibility Form I can be offered to an international student, this form facilitates that end goal. College Board member schools have access to the information once submitted, and students must pay a small fee to create a CSS Profile. Co-ops are focused on training students for a career in their chosen major e. Universities often partner with employers in various industries for internships, which are likely paying jobs i.

Curricular Practical Training CPT : This is full-time or part-time employment that is an integral part of an established curriculum, such as work study, internship, practicum, etc. These individuals are responsible for communicating regularly with SEVP. The information entered on the DS is used by Consular Officers to process the visa application. Department of State network promotes U. EducationUSA comprises over international student advising centers in more than countries.

F This is the student visa form, issued to international students who are attending an academic or English language program at a U. Students must maintain student status while studying with this visa, which usually means maintaining a full-time course load of a minimum number of credit hours.

General Certificate of Secondary Education GCSE : This academically rigorous subject-specific test is generally taken by students in secondary education institutions in England, Wales, and Northern Ireland over a two-year period. The curriculum is split into two parts, studied over two years. However, when the second part, the A2 Level, is completed as well, the two form a complete A Level qualification. Department of Homeland Security.

Nonimmigrant visitors who need to access their I number can go to the U. Customs and Border Protection website. Independent Educational Consultant: This is a professional hired and paid only by students and their parents for personalized advice on the university search, application, and admission processes.

Indirect Costs: These are all portions of the total cost of attendance except tuition and fees. This includes books and supplies, room and board, transportation, insurance, a small entertainment allowance, and other personal expenses. International Baccalaureate IB : The IB is an international educational foundation offering four programs divided by age for children aged Its diploma program for ages is recognized around the world as a respected, advanced course option for high school students.

This exam is administered face to face with an examiner and assesses test takers on their listening, reading, writing, and speaking skills. IELTS is accepted by more than 9, universities, schools, and organizations in over countries. J This Exchange Visitor Visa is issued to individuals who are approved to participate in work- or study-based exchange visitor programs. Exchange visitors are expected to return to their home country upon completion of their program.

M This student visa is issued to international students who are attending vocational or technical schools in the United States. Merit-based financial aid: Also called merit scholarships or merit award, this financial aid is offered in recognition of student achievements, such as in academics, testing, athletics, arts, service, etc.

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COLLEGE FINANCIAL AID (negotiation, college grants, scholarships, fafsa)

A financial aid package is. A school aid offer (sometimes called an award letter) tells you what financial aid you can receive at a particular college or career school. Your financial aid package is the amount of federal aid, state aid and college aid that the colleges and universities who've accepted you are.