经济援助的种类
Financial Aid assists students and their families in meeting educational expenses that cannot be funded through their own resources. 下面列出的是雷丁地区社区学院提供的经济援助类型.
帮助防止经济援助/奖学金欺诈
每年, millions of high school graduates seek creative ways to finance the markedly rising costs of a college education. 在这个过程中,他们有时会成为奖学金和经济援助骗局的牺牲品. 11月. 2000年,美国国会通过了《中国澳门博彩官网》(CSFPA)。. 的 CSFPA enhances protection against fraud in student financial assistance by establishing stricter sentencing guidelines for criminal financial aid fraud. 它还向该部提出指控, 与联邦贸易委员会(FTC)合作, 开展全国宣传活动, 包括教育署网站上的奖学金欺诈防范网站.
根据联邦贸易委员会的说法,经济援助欺诈的肇事者经常使用这些线索.
- 奖学金是有保证的,否则你的钱就会退!
- 你在其他任何地方都找不到这个信息.
- 我只需要你的信用卡或银行账号来持有这个奖学金.
- 我们会做所有的工作!
- 奖学金要花一些钱.
- 你被“国家基金会”选为奖学金获得者, 或者在你从未参加过的比赛中说“你是决赛选手”.
提出投诉, 或者免费获取信息, 学生或家长应拨打1-800-FTC-HELP(1-877-382-4357)或访问 联邦贸易委员会网站.
联邦拨款
佩尔助学金
佩尔助学金颁发给通过奖学金证明有经济需要的学生 FAFSA. Pell grants are awarded only to undergraduate students who have not previously received a bachelor's or graduate degree. 佩尔助学金是根据FAFSA的分析发放的, cost-of-attendance, 预期家庭贡献, 以及入学情况.
- 2019-2020学年的金额高达6195美元.
补充教育机会奖助金(SEOG)
SEOG奖助金颁发给完成他们的 FAFSA prior to May 1 and who are eligible for PELL grants in ascending order from among 中国澳门博彩官网 students with the least ability to contribute to their costs of education as calculated from the need analysis.
- 奖学金金额为每学年300美元.
国家拨款
PA州拨款计划
This program provides grants to eligible Pennsylvania residents who are in need of financial assistance to attend PHEAA-approved postsecondary schools as undergraduate students.
- 奖学金数额取决于大学费用和学生的需要. Students must be enrolled in an approved program of study that is at least 2 years in length. 其他要求,包括令人满意的进展,可在 PHEAA.org 的 maximum award is dependent upon available funding and subject to review and adjustment. For clarification of PA State Grant certification requirements that impact most 中国澳门博彩官网 students see PA州拨款授予要求.
欲知详情,请浏览 PA州拨款计划 在线或致电1-800-692-7392.
确定你的财务需求, 从你的就读成本(COA)中减去预期家庭贡献(EFC). COA - EFC =财务需求
贷款
行为准则和贷款政策
雷丁区社区学院没有首选贷款人名单. If a student desires to use a loan program other than the Federal Direct Student Loan Program, 找到贷款人并通过他们完成所有文书工作是他们的责任. 的 Financial Aid Office will certify a private loan upon receipt of the necessary information and request for certification. 所有私人贷款将以纸质支票的形式寄到学校, and may take additional time to process since our usual mode of certification is through the Federal Direct Lending Program as mandated by recent legislation. 的 第四章行为准则 提供有关学院对贷款机构立场的更多信息.
联邦直接学生贷款
联邦直接学生贷款 借来的钱是否必须连本带利偿还. Information concerning student enrollment and participation in the Direct Lending program is sent each semester to NSLDS (National Student Loan Data System). 专上助学贷款资助计划保存出勤记录,以作贷款延期之用, and the principal and interest accrued from loans at various colleges to assist students with debt management and schools with certification.
的 Federal Direct Loan Program makes low interest loans available to dependent and independent students enrolled for at least six credits per semester. Students may be eligible for either a subsidized and/or unsubsidized Federal Direct Loan as determined by the College.
- 补贴贷款: 的 Federal 政府ernment pays the interest on these loans while the student is in school or in a period of deferment.
- 未受资助的贷款: 的 student pays the interest after the loan is disbursed until he or she repays the loan in full.
补贴 | 补贴 & 未受资助的 | |
---|---|---|
依赖的本科生1 | 年度 | 每年总 |
第一年 | $3,500 | $5,500 |
第二年 | $4,500 | $6,500 |
独立的大学生2 | ||
第一年 | $3,500 | $9,500 |
第二年 | $4,500 | $10,500 |
总 | 总总 | |
依赖的本科生1 | $23,000 | $31,000 |
独立的大学生2 | $23,000 | $57,500 |
1 家长无法在PLUS计划下借款的学生除外 2 以及父母无法在PLUS计划下借款的受抚养人 |
申请联邦直接学生贷款
申请联邦直接学生贷款必须完成以下步骤:
- 提交相应学年的FAFSA
- 在线完成入学咨询* studentaid.政府
- 填写主本票(MPN) studentaid.政府
- 填写学生贷款确认书,网址为 studentaid.政府 (每年一次)
- 完成一个 贷款申请表格 indicating the amount you wish to borrow and submit it to the Financial Aid Office, B107.
*If we are able to determine that a student has had a prior Federal Direct Student Loan within the last 10 years, 我们不会要求完成联邦学生贷款入学咨询.
出口咨询
All students receiving student loans are required to do an exit interview when they leave the student loan program (are no longer intending to borrow). 退出咨询为学生准备还款, 包括有关可用还款选择和联系人的信息. 出口咨询 helps to ensure that future students involved in the Federal Student Loan Programs will continue to receive a high quality of service. 退出咨询可以在网上完成.
还款、延期和避免违约
Repayment begins 6 months after a student graduates or is no longer considered at halftime enrollment (6 credits) for a period of 6 months. 帮助考虑学生的资源和偿还能力可以在 mysmartborrowing.org. Another way to consider a student’s ability to repay is by estimating the amount of borrowing necessary to complete the student’s educational goals and then looking at a “sample repayment schedule” [link repayment schedule PDF] to estimate approximate repayment amounts after graduation. 如果学生在进入还款时需要帮助, they can always contact our office and we will co-ordinate with their servicer to help them make a smooth transition into whatever payment plan works best for their situation.
在特定的条件下, 学生可以被允许推迟支付联邦学生贷款. 有关联邦学生贷款延期的信息可以在 联邦学生援助网站. 协助完成延期文件也可以在我们的办公室找到.
Our goal as an institution is to help current and prior students keep their loans in good standing and avoid the damaging consequences of Student Loan Default. Any student who borrowed while at our institution should feel free to contact us at any time if they are struggling to stay out of default. Our Default Management personnel will be happy to assist them in exploring any available options to keep their loans in good standing.