援助的种类

与贷款不同，助学金不需要偿还.

联邦标题IV (FAFSA)补助金

• 联邦佩尔助学金 -根据经济需要专门提供.  Amounts vary and based on Student Aid Index, cost of attendance and enrollment status.
• Federal Supplemental Educational Opportunity Grant (FSEOG) – need based grant awarded on a first come first served basis.

其他补助

• 三人组  federal outreach and student services programs designed to identify and provide services for students who are first generation college students, 合格的佩尔助学金, 或有学习/身体障碍的学生.  奖金从299美元到598美元不等.
• 美国服务队, After successfully completing your AmeriCorps term of service, you are eligible to receive a Segal AmeriCorps Education Award.

需要偿还的钱.

联邦第四章学生贷款

• 直接资助的联邦学生贷款 – The loan is considered subsidized when the federal 政府ernment pays the interest to the lender while the student is in school and during the six month grace period, as well as during eligible periods of deferment after the loan enters repayment. Loan amounts vary based on cost of attendance minus all other aid available to the student up to the annual maximum of Freshman (0 to 29 credit hours earned) $3,500; Sophomore (30 credit hours earned) $4,500. Students actively pursuing a BAS program can get an additional $1000. Juniors (60 – 89 credit hours earned) and Seniors (90 credit hours earned) $5,500.
• 直接无补贴联邦学生贷款 differs from the Direct Subsidized Student Loan in one significant way: the student is responsible for paying accrued interest to the U.S. Department of Education throughout the life of the loan. In all other respects, the Subsidized and Unsubsidized Federal Direct 贷款 are alike. Loan amounts vary based on cost of attendance minus all other aid available to the student.
• Federal Direct Parent Loan for Undergraduate Students (PLUS) –  a federal loan borrowed by the parent on behalf of a dependent student to assist with educational expenses. 父母 may borrow up to the cost of attendance minus any other financial aid the student may receive. The PLUS is a non-need based loan at a fixed interest rate capped at 8.5%. Interest is charged on the loan to the borrower from the date the first disbursement is made until the loan is paid in full. Repayment generally begins within 60 days after the final loan disbursement.
• 怀俄明州护理投资贷款(WYIN) - In return 为se loans the nurses agree to engage in the practice of their profession within the state of Wyoming for a period of years or repay the loan in cash. 贷款 are available up to a maximum of $3600 annually for a maximum of two years. To learn more about the eligibility requirements for this program you find information and an application on the Wyoming 社区 College Commission’s website under 怀俄明州护理投资 或联系《乐天堂app》财政援助办公室.

• 联邦工作研究 – provides part-time employment opportunities to eligible students to help meet the cost of education. Placement is limited and determined by matching student qualifications with job descriptions and requirements. Most work-study positions are located on-campus enabling students to set a work schedule around schooling. 每年的奖励金额从750美元到3000美元不等.

乐天堂app has been approved by both state and federal Veterans Administrations to offer training to veterans. 了解更多信息 点击这里.

Biden Administration Officially Launches Application for New Income Driven Repayment Plan By 玛丽亚·卡拉斯科，美国宇航局工作人员记者

The Biden administration on Tuesday officially launched 应用程序 为 为“有价值的教育”(SAVE)还款计划存钱, a new income-driven repayment (IDR) plan that the administration said will “make college more affordable and support students and borrowers.”

7月初, the administration launched the beta SAVE application, where borrowers were able to test the website and apply 为 repayment plan. Borrowers who applied during the beta launch will not be required to resubmit an application and, 根据政府的说法, should have received an email confirmation if they successfully applied.

教育署(教育署) 宣布其最终规则 on the SAVE plan in July, which rebranded the existing REPAYE plan to SAVE. 而SAVE计划将于7月1日全面生效, 2024, 其中的一部分正在提前实施, including increasing the income exemption from 150% to 225% of the federal poverty line and preventing monthly interest not covered under the plan from being charged, 除此之外. Education Secretary Miguel Cardona said in a statement on Tuesday that the SAVE plan is “the most affordable repayment plan in history.”

随着数以百万计的借款人走向还款，随着 利息从九月开始增加 10月份到期, ED said most borrowers who apply 为 SAVE plan in the coming days can expect to have their new monthly payment amount 为ir first payment in October. Borrowers can check the status of their application by visiting their account dashboard on StudentAid.政府.

根据ED, borrowers who are already enrolled in the REPAYE plan will automatically have their monthly payments adjusted to the new SAVE plan before payments restart.
Congressional Review Act (CRA) resolutions that would seek to repeal the SAVE plan when Congress returns in September.
出版日期:2023年8月23日

链接申请SAVE计划 http://studentaid.gov/announcements-events/save-plan.