联邦拨款计划
佩尔助学金
与贷款不同，联邦佩尔助学金不需要偿还. Pell grants are awarded to students who demonstrate financial need and have not yet earned a bachelor’s or professional degree. The maximum award for the 2021-2022 award year (July 1, 2021 to June 30, 2022) is to $6,495. The maximum can change each award year and depends on program funding.
佩尔助学金的授予金额将取决于:
- 出勤费用
- 注册状态
- 估计家庭贡献额
爱荷华州学费补助金
爱荷华州学费补助金s are funded by the state of Iowa to its undergraduate residents that demonstrate financial need and attend an independent (private) college in Iowa.
Application for the 爱荷华州学费补助金 is accomplished by completing a Federal Application for 联邦学生资助 (FAFSA). The FAFSA must be received by the processing center by the annual July 1 deadline.
注意: 爱荷华州学费补助金s are available only to residential 澳门网上博彩官方网站 students, 或澳门网上博彩官方网站在线学生谁是爱荷华州居民.
联邦贷款计划
联邦直接贷款
霍道夫参加威廉·D. Ford 联邦直接贷款 Program, commonly referred to as Direct Loans. 直接贷款计划的好处包括:
- 有保证的学生贷款资金来源.
- The option of an income-contingent repayment plan or an income-based repayment plan.
- 为从事公共服务工作的学生减免贷款. 学生 in the Direct Loan program who enter into public service jobs may have any remaining balance on their loans forgiven after 10 years of public service work. (而这个选项在FFEL程序中不存在, students who borrowed within the FFEL program may consolidate their loans into the Direct Loan Program in order in order to take advantage of forgiveness.
- 一年后，学生可以享受贷款人的福利. (Most lenders offer benefits after a student has been in repayment between two-to-four years.)
- 滞纳金低于在FFEL计划中发现的滞纳金.
直接贷款资源中心
学生 wishing to receive federal student loans must meet all requirements outlined by the U.S. 教育部. 这些要求包括:
- 入学面试: To ensure that student loan borrowers understand their rights and responsibilities, the Federal Government requires students to participate in loan counseling prior to receiving a Direct Loan (if they have not previously received a Direct Loan, Federal Family Education Loan or Supplemental Loans to 学生 Loan).
- 知情借阅同意书 教育部每年的贷款要求是多少. The 教育部s's IBC process must be completed once each award year for the first loan a borrower receives for that award year starting in 2022-2023.
- 主本票(MPN): The MPN is a document that must be signed in order to receive a federal student loan. The signed MPN binds you to the federal government as a promise to repay the student loan you intend to take out to help cover your educational expenses and provides valuable information about the rights and responsibilities you have as a borrower.
- 离职面谈: Prior to graduation or exiting school, Direct Loan borrowers must complete exit counseling. The Direct Loan Exit Counseling will explain your rights and responsibilities as a Direct Loan Borrower. 为了完成离职面谈，需要您的联邦密码.
联邦斯塔福德贷款
工作人员ord Loans are Federal Student Loans made directly available to college and university students and are used to supplement personal and family resources, 奖学金及助学金. 他们可能会得到美国政府的补贴.S. government or may be unsubsidized, depending on the student's financial need.
联邦补贴斯塔福德贷款
A Federal Direct Subsidized 工作人员ord Loan is awarded on the basis of the student's financial need and other specific eligibility requirements. The federal government does not charge interest on these loans while borrowers are enrolled at least half-time, 在六个月的宽限期内, 或者在批准的延期期间.
- 基于需要
- 联邦政府在学生上学期间支付的利息
- 必须至少注册一半时间吗
联邦无补贴斯塔福德贷款
A Federal Direct Unsubsidized 工作人员ord Loan is not based on the student's financial need, 但学生还必须满足特定的资格要求. 利息在贷款的整个期限内收取. The borrower may choose to pay the interest charged on the loan or allow the interest to be capitalized (added to the loan principal).
- Non-need基础
- Available to independent students only (with the exception of dependent students whose parents have been denied a PLUS Loan)
- Interest is paid by the student; may be paid during school, or deferred
- 必须至少注册一半时间吗
7月1日开始, 2021 the Subsidized and Unsubsidized 工作人员ord Loan interest rate will be fixed at 3.在该日期之后支付的所有贷款的73%. The Federal 工作人员ord Loan programs carry both annual and cumulative limits. 你的学生资助报告(SAR)列出了你的累计贷款, 但是保存所有贷款交易的记录是很重要的.
| 年/分类 | 基地的数量 | 额外的无补贴贷款金额 | 总计 |
|---|---|---|---|
| 依赖学生 | |||
| 大一新生 | $3,500 | $2,000 | $5,500 |
| 二年级学生 | $4,500 | $2,000 | $6,500 |
| 大三或大四 | $5,500 | $2,000 | $7,500 |
| 独立的学生 | |||
| 大一新生 | $3,500 | $6,000 | $9,500 |
| 二年级学生 | $4,500 | $6,000 | $10,500 |
| 大三或大四 | $5,500 | $7,000 | $12,500 |
注意: It is important to note that even if a student is financing their education on their own, 依赖状态仍由学校决定.
本科生联邦父母贷款
Federal PLUS loans enable parents with good credit histories to borrow money to pay the educational expenses of their children. Each child must be a dependent undergraduate student enrolled at least half-time in an approved college or university.
PLUS Loans allow parents to borrow federally guaranteed low-interest loans to help pay for their child's education. 贷款不是基于需要, but when combined with other resources cannot exceed the student's cost of education. 直接加成贷款的利率固定为6.28 percent as of July 1, 2021 and deferments apply only to the loan principal, not interest.
勤工俭学
Part-time jobs on campus are held by about half of Waldorf’s students. 这些职位几乎分布在大学的所有领域, 职责广泛. Work-study is money a student can earn to use for their education costs where a student obtains a job on or off campus and is paid an hourly wage. Many students also seek part-time employment in the community of Forest City with local businesses. For more information about work-study programs please contact the Financial Aid office at FinAid@Waldorf.edu or 641-585-8120.