Frequently Asked Questions about Financial Aid
APPLY EARLY
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. 如果你提前申请并且遇到问题,请立即联系咨询师. If you start the application process late and have problems, there will not be enough time to help you before school starts.
DO NOT ESTIMATE
Use completed federal income tax returns to fill out the FAFSA. If you estimate this data incorrectly, we will require you to correct it, which will result in a delay in the processing of your application.
DO NOT LEAVE BLANKS
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.
KEEP COPIES
保留你提交的所有表格和信件的复印件,并注明提交日期. Refer to them when inquiring about your application.
USE YOUR FULL GIVEN NAME
Complete all forms using your full given name. Do not use nicknames. Notify the Office of Student Financial Services of any name changes.
USE YOUR CORRECT SOCIAL SECURITY NUMBER
Entering your correct Social Security number on all forms, especially parent or spouse tax returns, is very important. Be sure to review your SSN for accuracy; transposed or incorrect numbers will result in a delay and reprocessing through the federal processing center.
READ AND RESPOND
Carefully read and follow all instructions provided. Respond quickly to all requests from our office. Even if your federal application is submitted early, you will not receive an award if your file is incomplete.
TAKE RESPONSIBILITY
你正在申请经济援助,以帮助你进入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.
ASK QUESTIONS
如果您有任何疑问或需要帮助,请致电或访问我们的办公室. It is helpful if you learn the name of the person with whom you talk. 当你与我们办公室联系你的账户时,你的学生证准备好了吗.
DOCUMENT PHONE CALLS
If you call to discuss your application, keep notes of the day that you called, with whom you spoke, and what was discussed. In our peak processing times during the summer and early fall, repeated phone calls can delay the processing of your application. Please do not be discouraged when you cannot immediately reach us. During peak time, we experience hundreds of phone calls each day.
WHO SHOULD I CONTACT IF:
我需要帮助完成FAFSA或需要检查我的联邦申请状态?
请致电1-800-4 fed - aid与美国教育部联系,或访问他们的网站 www.studentaid.gov.
I need assistance in applying for GI or Veterans' Benefits?
The University of North Alabama's Veterans' representative, Madison Moody, can be reached by emailing mmoody4@foundationsprogramme.com or veteranaffairs@foundationsprogramme.com, or by calling 256-765-4832 or 256-765-4746.
APPLICATION
Can I get a paper copy of the FAFSA?
美国教育部不再向UNA提供纸质版本的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.gov or by calling 1-800-4-FED-AID. Note that paper applications may result in a longer processing time.
How do I add your school code to my FAFSA?
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, visit www.studentaid.gov and select "Add or Delete a School Code.或者,学生可以拨打FSAIC的电话1-800-4 fed - aid来添加学校. 在这种情况下,你将被要求提供你的DRN号码从学生援助报告. UNA's school code is 001016.
Do I/my parents make too much money to qualify for aid?
There 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. 你的资格是由数学公式决定的,而不仅仅是收入. 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 satisfactory academic progress. 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. 你不会被要求接受任何你不想接受的援助.
Where can I get the forms that I need for financial aid?
Visit our Forms page for current forms and more information. Most forms are available here. Paper copies of all available forms can be requested via our office.
How can I get a copy of my tax return transcript?
您可以通过访问向国税局索取纳税申报表 www.irs.gov or by calling 1-800-908-9946.请注意,纳税账户成绩单与纳税申报表成绩单是不一样的, and cannot be accepted.
州纳税申报表不K8彩乐园于完成FAFSA或验证过程.
What is "verification?" Does it mean I did something wrong on the FAFSA?
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. 联邦处理程序选择大约30%的财政援助申请人进行验证. 这并不意味着你犯了一个错误,也不意味着你被怀疑报错了. 它只是意味着你被选为样本的一部分进行审查. If your file is chosen to be verified, 尽快提交任何被要求的文件对你来说是很重要的. 在验证完成之前,不能向您提供经济援助.
If I was selected to be verified last year, does that mean that I will also be selected again this year?
Not necessarily. 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. 检查您的UNA门户帐户是否有任何未完成的要求通知.
DEPENDENCY STATUS
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?
They don't have to, 但是你需要他们的信息来综合你家庭的财务状况. 这有助于决定政府可以给你多少帮助来支付学费.
如果我的父母不想在FAFSA上提供他们的私人信息怎么办?
The information that you provide on the FAFSA is secure. We recommend that you complete the application online, 你的信息在处理前被输入特殊代码的地方. 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)。.
What if I don't live with my parents?
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.
Who is my "parent" when I file the FAFSA?
如果你的父母还活着,并且已经结婚了,回答有关他们的问题. If your parents are living together and are not married, but meet the criteria in your state for common-law marriage, answer the questions about both of them. 如果你的父母是丧偶或单身,回答有关他们的问题. 如果你的丧偶父母在你完成FAFSA的当天再婚, 回答关于父母和你父母的配偶(你的继父母)的问题。. If your parents are divorced or separated, 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, foster parents, legal guardians, older siblings, uncles or aunts.
AWARDS
I applied for and received financial aid last year. I haven't received any this year. Why?
You must reapply for financial aid each year. 每年1月接受下一学年的申请, which begins with the Fall Term. Visit www.studentaid.gov to apply.
I plan to attend during the summer term, 但是我的奖状只显示了秋季和春季学期的金额. Why?
Financial aid for summer is awarded separately. 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, you may have no remaining eligibility for summer term. 我们在您注册夏季学期后审查夏季援助资格. Please contact our office 如果你有兴趣在夏季学期获得经济援助.
我收到一封信,说我没有达到令人满意的学业进步. What should I do?
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, 你可以向学生金融服务办公室提出上诉. 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.
More Information on Satisfactory Academic Progress
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.
I want to drop a class. How will this affect my financial aid?
If you withdraw or drop below full-time status, you may have to repay all or part of your loans and/or grants. Contact Student Financial Aid before you decide to drop a class or withdraw completely.
BILLING & REFUND CHECKS
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, with a due date of early/mid December. 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.
如果账单上显示的经济援助不足以支付到期金额, 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. More information on your student account can be found here.
What address are my bills mailed to? My financial aid documents? My refund checks?
Paper bills are NOT mailed for currently enrolled students. See the question above for E-Bill information. 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.
Refund checks are mailed to your UNA Post Office Box. 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?
No, you cannot pick up a check in person.
我的奖励信上说我每学期有资格获得1250美元的联邦勤工俭学奖学金, but it does not show up on my bill. Why?
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. Federal Work Study is an example of this type of aid. These 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.
For more information on your student account, see the Office of Student Accounts FAQ page.
How to Create Your FSA ID
What to do if I forget my FSA ID Username & Password
Am I required to do Entrance Counseling? How and Where?
Yes. The Entrance Counseling for new borrowers is a requirement for student loan recipients.
When will I receive my loan funds?
你的学生贷款支付通常会在上课的第一天左右收到. 一旦收到,贷款资金将用于您的学生账户. 如果申请贷款资金到您的帐户产生信用余额, the Bursar's office will issue a refund check to you.
注:首次贷款的新生借款人有30天的延迟付款, as required by the US Department of Education.
Am I required to E-Sign a Master Promissory Note (MPN)?
Yes. 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. An MPN expires ten years after the note is signed. 如果第一笔款项未在一年内支付,MPN将被撤销.
Will I be able to consolidate all of my loans after graduation?
Yes. Many private lenders have ceased Federal Loan Consolidations. However, you may contact the US Department of Education about your Loan Consolidation options.
When will I begin repayment on my student loans?
After you graduate, leave school, or drop below half-time enrollment, you have a period of time before you must begin repayment. This "grace period" will be
- six months for Federal Stafford Loans (FFEL or Direct)
- nine months for Federal Perkins Loans
**Note- We do not offer Federal Perkins Loans
For more information about repayment options, visit www.studentaid.gov
能给我一份我曾经收到过的所有学生贷款的清单吗?
For a complete listing of your loan amounts and lenders, visit www.studentaid.gov
What is my estimated cost of attendance?
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. 项目可能高于或低于我们的估计取决于个人的消费习惯.
What is "Expected Family Contribution?
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。. We use the EFC, among other factors, to determine how much and what types of aid that you qualify for.
What are "outside resources"?
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. 这些资源包括但不限于阿拉巴马GI家属奖学金, ANGEAP, and any other outside scholarships or loans.
What is "financial need"?
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)。. The 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, subsidized Stafford Loans, and Federal Work Study. If your calculated need is -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.
What is "unmet need"?
未满足的需求是指我们无法从基于需求的援助项目中满足的需求数量. Unmet need = Need minus need-based aid. 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)?
The amount the student and/or family can expect to pay for tuition, books, room/board, personal, transportation = estimated cost of attendance minus total aid. 在某些情况下,学生没有获得足够的资助来支付全部COA. 家长贷款和替代贷款可以弥补差额.
For more information about parent and/alternative loans, visit our Student Loans page.
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.
Visit our Student Loans page for additional information.
How do I view my account online and/or pay my account online?
Students
To access your account, go to br6w.foundationsprogramme.com and select UNA Portal. Once logged in, select the following:
- Self-Service Banner
- Student
- Student Account
- Account Summary
您也可以通过进入UNA主页并选择直接访问您的学生帐户 Tuition Payment.
Authorized Users
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.
To add an authorized user to your student account:
- Follow the above steps to login to your Student Account
- Click on the Authorized Users 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.
To access the account for which you are authorized:
- 进入UNA首页,选择“授权用户”,进入授权用户登录页面 Tuition Payment OR
- Select UNA Portal, then select 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.
What types of payments are accepted online?
Within the E-Bill account, 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. 以电子支票或信用卡付款的选择只能在网上或亲自付款.
How do I mail a payment?
Mail checks payable to the University of North Alabama to:
Office of Student Accounts, UNA Box 5001, Florence, AL 35632
Please indicate the student’s I.D. number on the memo line of the check.
How will I receive my billing statement?
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. Students are advised to check their email regularly.
我如何报告非una奖学金,雇主教育计划,国家福利等., to UNA?
- 雇主赞助援助计划:雇主可以提交凭证或支票. Vouchers should be sent to the Office of Student Accounts; checks should be mailed to Student Financial Aid.
- 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 Scholarships from schools, churches, organizations, etc.:获得外部奖学金的学生应将支票邮寄至 Student Financial Aid.
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.
Send vouchers and other documents to:
Office of Student Accounts
Attn: Aleah Clark
UNA Box 5001
Florence, AL 35632
Send checks to:
Student Financial Aid
UNA Box 5014
Florence, AL 35632
Does UNA offer a payment plan?
UNA通过学生账户办公室提供无息每月付款选项. For more information, click here.我已经获得了一笔学生贷款,但我是新生,还款延迟了30天. How will this affect my payment due?
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.
Please 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.
I need additional information. How do I contact UNA?
To contact the Office of Student Accounts, 您可以拨打256-765-4442或拨打1-800-TALK-UNA并要求分机4442.
To contact other departments, visit the online departmental directory.
Where can I find information on Federal Loan Forgiveness programs?
To be eligible to participate in federal loan forgiveness programs, you must meet certain criteria, which may include:
- perform public service
- perform volunteer work
- perform military service
- teach or practice medicine in certain types of communities
- meet other criteria specified by the forgiveness program
Public Service Loan Forgiveness
In 2007, Congress created the Public Service Loan Forgiveness Program 鼓励个人进入并继续从事专职公共服务工作. Under this program, 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.
Volunteer Work
AmeriCorps: 服务12个月,并获得高达7400美元的津贴加上5550美元的贷款. Call 1-800-942-2677.
Peace Corps: Volunteers may apply for deferment of Stafford, 珀金斯和合并贷款和部分取消珀金斯贷款(每年15%), up to 70% in total). 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. Contact the Peace Corps at 1111 20th St., NW, Washington, DC 20526 or call 1-800-424-8580 or 1-202-692-1845.
Volunteers in Service to America (VISTA): Volunteer with private, non-profit groups that help eradicate hunger, homelessness, poverty and illiteracy. Provide 1700 hours of service and receive $4725. Call 1-800-942-2677 or 1-202-606-5000.
Military Service
Students who are in the Army National Guard 是否有资格申请学生贷款偿还计划,该计划可提供高达10,000美元的贷款. 军队和退伍军人协会提供许多奖学金和学费援助项目. 联系你的退伍军人代表或招聘人员了解更多信息.
Teachers
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 . For more information about this program, click here.
有关联邦斯塔福德教师贷款减免计划的更多信息,请点击 here.
了解更多有关教师贷款豁免资格的资料, 以及斯塔福德贷款项目的教学延期条款, as well as the Perkins Loan program, you can visit the Federal Cancellation/Deferment Option for Teachers web page.
The American Federation of Teachers maintains a list of other loan forgiveness programs for teachers.
Child Care Providers
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. For more information, click here.
Medical Care Providers
美国卫生与公众服务部通过 National Health Service Corps and the Nursing Education Loan Repayment Program. Specific requirements must be met.
The US National Institutes of Health's NIH Loan Repayment Program repays up to $35,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.