关于经济援助的常见问题
早期K8彩乐园
准确填写表格并尽早提交,将确保所有可用的援助项目得到充分考虑. If you apply early and have problems, contact a counselor right away. If you start the application process late and have problems, t在这里 will not be enough time to help you before school starts.
不要估计
Use completed federal income tax returns to fill out the FAFSA. 如果你对这个数据估计不正确, 我们将要求你改正它, which will result in a delay in the processing of your application.
不要留下空白
在你提交的任何表格上,如果你被要求填写,永远不要空着问题. Blank questions will delay your application's processing.
保留副本
保留你提交的所有表格和信件的复印件,并注明提交日期. 当询问你的申请时,请参考他们.
使用全名
使用全名填写所有表格. 不要用昵称. Notify the Office of 学生 Financial Services of any name changes.
使用正确的社会安全号码
Entering your correct Social Security number on all forms, 尤其是父母或配偶的纳税申报表, 非常重要. Be sure to review your SSN for accuracy; transposed or incorrect numbers will result in a delay and reprocessing through the federal processing center.
阅读并回应
仔细阅读并遵循所提供的所有说明. 迅速响应我们办公室的所有请求. 即使你提前提交了联邦申请, you will not receive an award if your file is incomplete.
承担责任
You are applying for financial aid to help you attend the K8彩乐园. Although you may need your parents' help in completing your forms, 申请表格是你的,你需要知道什么表格和信息已经提供给谁和何时.
问问题
Call or 访问 our office if you have questions or need help with your forms. It is helpful if you learn the name of the person with whom you talk. Have your student ID ready when contacting our office about your account.
文件电话
如果你打电话来讨论你的申请, 记下你打电话的那天, 你和谁说话?, 我们讨论了什么. In our peak processing times during the summer and early fall, repeated phone calls can delay the processing of your application. 请 do not be discouraged when you cannot immediately reach us. During peak time, we experience hundreds of phone calls each day.
如有下列情况,我应与谁联络:
I need help completing the FAFSA or need to check the status of my federal application?
Contact the 美国教育部 at 1-800-4-FED-AID, or 访问 their website at www.studentaid.政府.
I need assistance in applying for GI or Veterans' Benefits?
的 K8彩乐园's Veterans' representative, 麦迪逊喜怒无常, 可以发邮件联系吗 mmoody4@salamzone.com or veteranaffa国税局@salamzone.com, 或致电256-765-4832或 256-765-4746.
K8彩乐园程序
我可以得到一份FAFSA的纸质副本吗?
的 美国教育部 no longer supplies UNA with paper versions of the FAFSA. 如果你想邮寄一份申请的副本,你可以打印或要求一份副本邮寄给你 www.studentaid.政府 或致电1-800-4 fed - aid. Note that paper applications may result in a longer processing time.
我怎么把你们学校的代码加到我的FAFSA里?
如果你已经提交了你的财政援助申请,并希望将你的FAFSA信息提供给其他学校, 访问 www.studentaid.政府 并选择“添加或删除学校代码”." Alternatively, a student may call the FSAIC at 1-800-4-FED-AID to add the school. In this case, you will be asked to provide your DRN number from the 学生 Aid Report. UNA的学校代码是001016.
Do I/my parents make too much money to qualify for aid?
T在这里 is no income cut-off to qualify for federal student aid. 除了收入,还有很多因素——从你的家庭规模到你年长父母的年龄——都被考虑在内. Your eligibility is determined by a mathematical formula, not by income alone. 如果你没有资格获得补助资金,只要你在开会,你就有资格获得贷款资金 令人满意的学业进展. Don't make assumptions about what you will get; the application is free to file, so we recommend that you complete it to determine your eligibility. You will not be required to accept any aid that you do not want to receive.
W在这里 can I get the forms that I need for financial aid?
访问我们的 形式 查看当前表单和更多信息. 大多数表格都可以在这里找到. Paper copies of all available forms can be requested via our office.
我怎样可以索取我的报税表副本?
You may request a tax return transcript from the Internal Revenue Service by 访问ing www.国税局.政府 或者拨打1-800-908-9946.请 note the a Tax Account Transcript is not the same thing as a Tax Return Transcript, 不能被接受.
State tax returns should not be used to complete the FAFSA or the verification process.
什么是“验证”?“这是否意味着我在FAFSA上做错了什么??
核实是我们审查您在FAFSA上报告的信息并将数据与您和/或您父母的纳税申报表进行比较的过程. 的 Federal Processor selects about 30% of our financial aid applicants to be verified. It does not mean that you made a mistake or that you are suspected of misreporting. It simply means that you were picked as part of a sample to be reviewed. 如果选择要验证的文件, it is important for you to submit any requested documents as quickly as possible. Financial aid cannot be offered to you until verification has been completed.
如果我去年被选中进行验证, does that mean that I will also be selected again this year?
不一定. 如果您被选中进行验证,您将在每年收到学生资助报告时知道. Check your UNA 门户网站 account for notification of any outstanding requirements.
依赖状态
我如何知道我在经济援助方面被认为是受抚养学生还是独立学生?
在FAFSA上有13个问题,你必须回答这些问题来确定你的经济援助状况. 请记住,你的经济援助的依赖状态不是基于国税局的税务申报标准, 而是完全基于你对FAFSA上的抚养状态问题的回答.
What if my parents don't want to help me pay for college?
他们不必这么做, 但是你需要他们的信息来综合你家庭的财务状况. This helps determine how much help the 政府ernment can give you to pay for school.
What if my parents don't want to provide their private information on the FAFSA?
的 information that you provide on the FAFSA is secure. We recommend that you complete the application online, w在这里 your information is put into special code before it is processed. 美国教育部不会与任何人分享你的信息,除了你所指出的学校和一些联邦机构(所以他们可以检查确保你已经准确地报告了你的信息)。.
如果我不和父母住在一起怎么办?
如果你被认为是一个依赖学生,你仍然必须回答有关他们的问题.
当我提交FAFSA时,谁是我的“父母”?
If your parents are living and married to each other, answer the questions about them. If your parents are living together and are not married, but meet the criteria in your state for common-law marriage, 回答关于他们两个的问题. If your parent is widowed or single, answer the questions about that parent. If your widowed parent is remarried as of the day that you complete the FAFSA, 回答关于父母和你父母的配偶(你的继父母)的问题。. 如果你的父母离婚或分居, 回答以下问题:在过去12个月里,与你同住的父母/向你提供更多经济支持的父母.
以下人不被认为是你的父母,除非他们合法收养了你:祖父母, 养父母, 法定监护人, 年长的兄弟姐妹, 叔叔或阿姨.
奖
我去年申请并获得了经济资助. 我今年还没有收到. 为什么?
你必须每年重新申请经济援助. Applications are available each January for the upcoming academic year, 从秋季学期开始. 访问 www.studentaid.政府 K8彩乐园.
我计划在夏季学期参加, but my award letter only shows amounts for fall and spring semesters. 为什么?
夏季助学金是单独发放的. Generally, we offer your maximum eligibility for fall and spring. 如果你计划参加夏季学期,并接受秋季和春季提供给你的所有援助, 你可能没有剩余的资格参加夏季学期. We review summer aid eligibility after you have registered for summer term. 请 联络我们的办事处 if you are interested in receiving financial aid during the summer term.
I received a letter that says I haven't met 令人满意的学业进展. 我该怎么办??
如果我们的办公室通知你,你没有取得令人满意的学业进步,你觉得有情有可原的情况,你希望我们考虑, you may file an appeal with the office of 学生 Financial Services. 您的解释将被审查,您将被告知是否会给予这些标准的有条件例外.
What is the minimum required enrollment status to receive aid?
For most grants and scholarships, full-time enrollment is required. For federal student loans, half-time enrollment is required.
我想退课. 这对我的经济资助有什么影响?
如果你退出或低于全职状态, you may have to repay all or part of your loans and/or grants. 联系学生资助 before you decide to drop a class or withdraw completely.
计费 & 退款支票
When can I expect to receive a bill from UNA for tuition/housing?
账单账单每月发送,并可在UNA电子账单上提供给所有目前就读的UNA学生. 秋季账单的电子邮件通知通常安排在7月中旬,截止日期为8月初或中旬. Email notices for spring bills are generally scheduled mid-November, 截止日期为12月初/中旬. 夏季账单的电子邮件通知通常安排在4月中旬,截止日期为5月初或5月中.
If the financial aid shown on your bill is not enough to cover the amount due, 您必须在到期日之前支付差额,否则您的课程安排将被取消. 有关您的学生帐户的更多信息可以找到 在这里.
我的帐单寄到什么地址? 我的经济资助文件? 我的退款支票?
Paper bills are NOT mailed for currently enrolled students. 有关电子账单信息,请参阅上面的问题. 新生和在校生将通过UNA电子邮件和UNA门户网站收到大多数经济援助信件.
退款支票将邮寄到您的UNA邮政信箱. 如果你没有被分配到一个盒子,你的支票将被邮寄到你的永久家庭住址.
Can I pick up my refund check instead of having it mailed?
不,你不能亲自去领取支票.
My award letter says that I am entitled to $1250 in Federal Work Study per semester, 但我的账单上没有显示. 为什么?
在你的奖励信上反映的某些类型的经济援助不会支付到你的学生账户. 联邦工作研究就是这类援助的一个例子. 的se funds must be earned over the course of the term. 奖励信上反映的数字是你每学期允许的最大潜在收入. UNA勤工俭学的学生每月根据工作时间领取工资,并通过招聘部门在时间表上报告.
有关学生帐户的详细信息,请参阅 学生帐户办公室常见问题页面.
如何创建你的FSA ID
如果我忘记了我的FSA ID用户名该怎么办 & 密码
我需要做入学咨询吗? 如何和在哪里?
是的. 的 入学咨询 for new borrowers is a requirement for student loan recipients.
我什么时候能收到贷款?
Your student loan disbursements are usually received on or about the f国税局t day of class. Once received, the loan funds will be applied toward your student account. If the application of loan funds to your account creates a credit balance, 财务处会发给你一张退款支票.
NOTE: Loan disbursements for f国税局t-time freshmen borrowers are subject to a 30-day delay, 按照美国教育部的要求.
Am I required to E-Sign a Master Promissory Note (MPN)?
是的. By E-Signing and submitting your MPN with the Direct Loan program, you are promising to repay all student loans made under this note. You may have to sign only one MPN for the life of your student loan. MPN在票据签署后十年失效. An MPN is revoked if the f国税局t disbursement is not made within one year.
Will I be able to consolidate all of my loans after graduation?
是的. Many private lenders have ceased Federal Loan Consolidations. 但是,您可以联系 美国教育部 关于你的贷款合并选项.
我什么时候开始偿还我的学生贷款?
毕业后, 离开学校, 或者降至半日入学率以下, you have a period of time before you must begin repayment. 这个“宽限期”将是
- six months for Federal Stafford Loans (FFEL or Direct)
- 联邦珀金斯贷款9个月
**注意-我们不提供联邦珀金斯贷款
有关还款选择的更多信息,请访问 www.studentaid.政府
Can I get a listing of all of the student loans that I have ever received?
For a complete listing of your loan amounts and lenders, 访问 www.studentaid.政府
我的学费估计是多少?
估计出勤费用(COA)是对参加UNA学年的费用的估计. 这个数字包括估计的学费、书本费、食宿费、个人费用和交通费. Items could be higher or lower than our estimates depending on 个人 spending habits.
什么是“期望家庭贡献”?
期望家庭贡献是你和你的家人期望为你的教育贡献多少的指标. 联邦处理机构根据你在联邦援助申请(FAFSA)上提供的数据计算你的EFC。. 我们使用EFC, 除其他因素外, to determine how much and what types of aid that you qualify for.
什么是“外部资源”?
外部资源包括您向我们报告或我们在您的学生账单对账单上确定的其他援助来源. 的se resources include but are not limited to the Alabama GI Dependents Scholarship, ANGEAP, 以及其他校外奖学金或贷款.
什么是“经济需要”?
经济需求是指你的就读费用和你的家庭预计提供的金额之间的差额(EFC)。. 的 formula is: COA minus EFC minus other aid = Financial Need. 需要金额代表您参加包括助学金在内的基于需要的项目的资格限制, 资助斯塔福德贷款, 和联邦工作研究. 如果你计算的需求是-0-, 你可能有资格获得非基于需求的援助,如无补贴的联邦贷款和/或联邦家长PLUS贷款.
什么是“未满足的需求”?
Unmet need is the amount of need that we cannot meet from need based aid programs. 未满足的需求=需求减去基于需求的援助. 在获得了你有资格参加的基于需要的项目的最高限额后,你可能有未满足的需求.
我和我的家人需要为我的学年支付多少学费(不包括经济援助)?
的 amount the student and/or family can expect to pay for tuition, 书, 房间/板, 个人, transportation = estimated cost of attendance minus total aid. In some cases, students do not receive enough aid to cover the full COA. Parent Loans and alternative loans are available to make up the difference.
For more information about parent and/alternative loans, 访问 our 学生贷款 页面.
如果我的父母被批准了PLUS贷款(需要信用检查),他们可以借多少钱?
受抚养本科生的父母可以借用估计的出勤费用减去学生期望获得的总援助金额. If your parent applies for a PLUS loan and is denied the loan, you may be eligible for additional unsubsidized loan funds.
访问我们的 学生贷款 查看更多信息.
How do I view my account online and/or pay my account online?
学生
要访问您的帐户,请转到 workatuh.salamzone.com 并选择UNA 门户网站. 登录后,选择以下内容:
- 自助服务旗帜
- 学生
- 学生账户
- 账户汇总
您也可以通过进入UNA主页并选择直接访问您的学生帐户 学费支付.
授权用户
由UNA学生授权的非学生付款人可以代表他们查看和支付学生的账单. Authorized payers can only be established by the student. UNA cannot establish an authorized payer for the student. 授权用户将首先被提示使用适当的ID和密码组合登录到一个安全的站点.
向您的学生帐户添加授权用户:
- Follow the above steps to login to your 学生账户
- Click on the 授权用户 tab and follow the prompts
您指定的授权用户将收到一封包含其初始密码和登录说明的电子邮件通知. 当新的电子账单可用时,将向每个提供的地址发送电子邮件通知.
访问已授权的帐户:
- 访问 the Authorized User login 页面 by going to the UNA home 页面 and selecting 学费支付 OR
- 选择UNA 门户网站,然后选择Authorized User Login
- 使用您的电子邮件地址和欢迎邮件中提供的初始密码信息登录.
网上接受什么类型的付款?
在电子帐单帐户内, 学生或授权个人可以使用电子支票(e-check)或信用卡在线支付学生账户. UNA accepts VISA, MasterCard, Discover and American Express. 的 option to pay by e-check and credit card are available online or in person only.
我如何邮寄付款?
Mail checks payable to the K8彩乐园 to:
学生会计处, UNA 5001号包厢, 佛罗伦萨,AL 35632
请注明学生的I号.D. 在支票的备忘栏上写上号码.
我将如何收到结算单?
电子账单(E-Bill)是向所有当前UNA学生提供学生账户对账单的官方手段. 当有新的账单可用时,将向学生的UNA门户帐户和学生建立的任何授权用户发送电子邮件通知. 建议学生定期检查他们的电子邮件.
How do I report non-UNA scholarships, employer education plans, state benefits, etc.,致联合国?
- Employer Sponsorship Assistance Programs: Employers may submit vouchers or checks. Vouchers should be sent to the 学生会计处; checks should be mailed to 学生资助.
- GI家属福利:一旦学生的申请获得批准,退伍军人事务办公室将向学生和UNA颁发资格证书.
- PACT(预付阿拉巴马州负担得起的大学学费):PACT应向学生发放资格卡或信件,并将文件副本发送到UNA的学生账户办公室.
- External 奖学金 from schools, churches, organizations, etc.: 学生 who are receiving an external scholarship should have checks mailed to 学生资助.
请确保将文件和支票提交给UNA的相应办公室,以确保您的学生账户在账单到期日之前得到适当的贷方. 请记住,学生账户的付款始终是学生的责任.
将凭证和其他文件寄至:
学生会计处
阿利亚·克拉克
UNA 5001号包厢
佛罗伦萨,AL 35632
将支票寄至:
学生资助
UNA盒子5014
佛罗伦萨,AL 35632
UNA是否提供付款计划?
UNA offers an interest-free monthly payment option through the 学生会计处. 有关更多信息,请单击 在这里.我已经获得了一笔学生贷款,但我是新生,还款延迟了30天. 这对我的到期付款有什么影响?
学生账户办公室知道首次新生的首次贷款支付需要延迟30天. 在30天的延迟期间,您的帐户付款将被推迟到贷款支付的金额.
所欠总金额与预期贷款支付之间的差额必须在付款到期日之前支付,以避免取消您的计划.
请 note that in order to defer your payment as stated above, 你必须在付款到期日之前完成所有接受和获得经济援助所需的步骤. Failure to comply may result in your schedule being voided.
我需要更多的信息. 我如何联系UNA?
联系学生会计办公室, you may call 256-765-4442 or call 1-800-TALK-UNA and ask for extension 4442.
联系其他部门,请访问 网上部门目录.
W在这里 can I find information on Federal Loan Forgiveness programs?
To be eligible to participate in federal loan forgiveness programs, 你必须符合一定的标准, 这可能包括:
- 履行公共服务
- 开展志愿者工作
- 服兵役
- teach or practice medicine in certain types of communities
- meet other criteria specified by the forgiveness program
公共服务贷款豁免
2007年,国会设立了 公共服务贷款减免计划 to encourage individuals to enter and continue to work full-time in public service jobs. 在这个项目下, 借款人在为某些公共服务雇主全职工作期间,根据某些还款计划偿还120笔贷款后,可能有资格免除其符合条件的联邦学生贷款的剩余余额.
志愿者工作
美国服务队: 服务12个月,并获得高达7400美元的津贴加上5550美元的贷款. 打电话给1-800-942-2677.
和平队:志愿者可以申请延期入学, 珀金斯和合并贷款和部分取消珀金斯贷款(每年15%), 最高达总金额的70%). 志愿者在70多个发展中国家服务两年,真正改变了人们的生活. 联系20街1111号和平队., NW, Washington, DC 20526 or call 1-800-424-8580 or 1-202-692-1845.
美国服务志愿者(VISTA):私人志愿者, 帮助消除饥饿的非营利组织, 无家可归, 贫穷和文盲. 提供1700小时的服务,可获得4725美元. 请致电1-800-942-2677或1-202-606-5000.
服兵役
学生谁是在 陆军国民警卫队 may be eligible for their 学生 Loan Repayment Program, which offers up to $10,000. 军队和退伍军人协会提供许多奖学金和学费援助项目. Contact your veterans’ representative or recruiter for more information.
老师
成为全职教师并符合特定标准的学生可能有资格取消联邦珀金斯贷款 . 有关此程序的详细信息,请单击 在这里.
有关联邦斯塔福德教师贷款减免计划的更多信息,请点击 在这里.
了解更多有关教师贷款豁免资格的资料, and about deferment provisions for teaching for the Stafford Loan program, 还有珀金斯贷款项目, 你可以浏览 Federal Cancellation/Deferment Option for 老师 web 页面.
的 American Federation of 老师 maintains a list of 其他教师贷款减免项目.
托儿服务提供者
在低收入社区提供托儿服务并满足其他特定要求的学生可能有资格免除部分本科斯塔福德贷款. 有关更多信息,请单击 在这里.
医疗服务提供者
美国卫生与公众服务部通过 国民保健服务团 和 护理教育贷款偿还计划. 必须满足特定的要求.
美国国立卫生研究院的 美国国立卫生研究院贷款偿还计划 还款最高可达35美元,为正在进行临床医学研究的美国公民提供000美元/年的学生贷款债务.