The following glossary listing contains some of the definitions/descriptions of terms that are related to Financial Aid programs and/or acronyms. Additional glossary terms can be located online.
The terms are listed according to alphabetical order. 您可以选择All链接来查看所有术语表术语的列表, or you may select the letter equal to the first letter of the term.
A
Academic Year -传统上被定义为由秋季和春季学期组成, yet may also include a summer semester at the start of the period.
Accreditation -确认学院或职业学校达到一定的最低学术标准, as defined by an accrediting body recognized by the U.S. Department of Education. Schools must be accredited to be eligible to participate in federal student aid programs.
Adjusted Gross Income (AGI) – your or your family’s wages, salaries, interest, dividends, etc.，减去联邦所得税申报表上报告的某些收入扣除额. Commonly referred to as AGI.
Alternative Private (Credit-Based) Loans – the term "alternative loan" applies to non-federal educational loans, also often referred to as private loans. 不同的贷款机构提供不同条款和条件的另类教育贷款. Generally, while alternative loans might initially have lower interest rates, 他们不提供灵活的还款选择和其他与联邦教育贷款相关的福利.
Annual Loan Limit – the 学生在一学年内可按年级借入的法定上限. It varies by grade level, dependency status of borrower, etc.
Annual Percentage Rate (APR) – amount of interest (fee for borrowing money) associated with a loan. 年利率在贷款的年份和期限内可以改变或保持不变. If the interest rate is variable, the rate can change; if it is fixed, the rate will not change.
Appeal – 如果学生未能保持令人满意的学业进步，则有资格获得联邦和/或机构援助, then they may submit an appeal. Details on the appeal process are available on our Financial Aid Policies page.
Automated Clearing House (ACH) – an electronic network for financial transactions. Any refund due to the student will be issued through ACH.
Award – payment made to an individual under a scholarship, fellowship or participant support costs in pursuit of the individual's own study or research. 奖金不被认为是对雇员所期望的服务的补偿.
Aid Offer - a document sent by a postsecondary institution to a student that outlines the amounts and details of the financial aid being offered to the student, which may include scholarships, grants, loans, employment, or other forms of financial assistance to pay for college expenses. Sometimes schools refer to these as financial aid “awards”, although this term is outdated. Schools should refer to these as financial aid offers.
B
Billable costs – include any charges that are paid directly to the school.
Budget – see “Cost of Attendance.”
C
Campus-Based Financial Aid Programs -财政援助来源，包括联邦补充教育机会补助金和联邦勤工俭学. These programs have limited funds and are awarded by St. Edward's University based on financial need.
Capitalization – The process of adding unpaid interest to the outstanding principal balance of a loan. 这导致贷款的未偿本金余额增加，并可能导致每月还款额增加.
Contributor -任何需要提供同意和批准联邦税务信息(FTI)的个人，并在FAFSA表格上签名, including the student; the student’s spouse; a biological or adoptive parent; or the parent’s spouse (stepparent).
Cost of Attendance – consists of the sum of educational costs payable to the school (also referred to as direct or billable costs) and costs paid to others (or indirect, non-billable or discretionary) costs. 出勤费代表学生在一个奖励年度内可以获得的最高金额的经济援助.
Cost Paid to Others – (also referred to as indirect, non-billable, or additional costs), are other expenses not paid directly to the school, but associated with receiving an education. 这些费用是由学校估计的，根据学生的个人情况可能会有所不同. These expenses may include books, course materials, supplies, equipment, transportation and parking, personal expenses, childcare costs, computer costs, disability expenses, licensure expenses and off-campus rent and food.
Cost Payable to the School -(也称为直接或可计费成本)通常包括学费, fees, housing, and meals/food (for students residing on campus), health insurance (if minimum insurance coverage is not documented), or any other expenses paid to the school for enrollment.
Consolidation Loan 一种贷款，允许借款人通过将原来的联邦贷款合并为一笔贷款来降低月供. You may only consolidate once. More information is available online.
Co-signer – a person other than the borrower who signs a credit agreement and is legally obligated to repay the loan if the borrower does not make payments.
Consolidation – the process of combining one or more loans into a single new loan.
Credit Hour – classes are most often measured in credit hours (typically one class or course represents 3.0 credit hours).
CSS Profile – the aid application used to establish financial need by the College Board. At St. Edward's, 申请只适用于全日制本科国际学生，他们正在考虑以需求为基础的资助资金. Applicants must list St. Edward's University school code 6619.
D
Default -未能按照本票上披露的条款偿还贷款. You are in default on a Federal loan program if your payments are more than 270 days past due or if you fail to comply with other terms of the loan.
Deferment – a period of time during repayment in which the borrower, after meeting certain criteria, is not required to make regular monthly payments. Note: 根据贷款的类型，利息支付可能会推迟，也可能不会推迟.
Delinquent -如果在到期日之前未收到付款，则视为拖欠. 超过30天的拖欠通常报告给国家信用局.
Dependency Status – if you are considered a dependent student, the income and assets of both you and your parents will be considered when awarding financial aid.
Direct Loan – a loan made under the William D. Ford Federal Direct Loan Program.
Direct Data Exchange (DDX)– System used to transfer individuals tax information to determine federal aid eligibility (replaces what used to be the IRS data retrieval tool DRT).
Disbursement – delivery of financial aid funds either through a check or transfer of electronic funds to your school.
Discharge – the release of a borrower from the obligation to repay his or her loan.
Disclosure Statement – notification of the actual cost and terms of a loan, which includes the interest rate and any additional finance charges.
Distance Education – training that uses one or more of the technologies to deliver instruction to students who are separated from the instructor and to support regular and substantive interaction between the students and the instructor.
E
Educational Loan – Money borrowed from the federal government, a college or university, 或者像银行或金融机构这样的私人来源来支付教育费用，并且必须连同利息一起偿还.
Electronic Funds Transfer (EFT) – funds are electronically deposited directly to an account at St. Edward's University, which expedites disbursing funds to you. The transfer of funds between parties or depository institutions through electronic data systems.
Electronic Processing – the electronic exchange of information between St. 爱德华大学，州和联邦处理器，以及州担保机构.
Eligibility – 与学生能够获得和/或获得特定类型的经济援助相关的特定标准. Eligibility criteria may consist of federal regulatory eligibility standards; state eligibility criteria; and institutional eligibility requirements.
Enrollment Status –The number of credits, clock hours, or classes the student is enrolled in, or whether they have withdrawn, graduated, etc. Enrollment status affects eligibility for and the amount of financial aid a student may receive. It also affects when student loans enter repayment status.
Entrance/Exit Counseling – entrance counseling is required for first-time, 第一年的直接贷款发生在借款人收到资金之前. Exit counseling occurs when the borrower leaves or graduates from school.
Estimated Financial Assistance (EFA) -学生(或代表学生的家长)在入学期间将从联邦政府获得的估计援助金额, State, institutional, or other sources, including but not limited to: scholarships, grants, the net earnings from need-based employment, or loans.
Expected Family Contribution (EFC) – is an index, used to determine your eligibility for federal, and in some instances, state and institutional need-based student financial aid. 一般来说，EFC较高的学生有资格获得较少的基于需求的经济援助. 它是基于学生及其家人在联邦学生援助免费申请(FAFSA)上提供的信息。.
F
FAFSA – Free Application for Federal Student Aid (FAFSA) is the application that a student must complete each year in order to be considered for all federal student/parent aid programs. The FAFSA is available online. St. 爱德华大学联邦学校代码:003621必须输入，以便St. Edward's University to receive your FAFSA data.
FAFSA Submission Summary – Output document providing a summary of data input on the FAFSA form received after completing FAFSA application (replaces what used to be known as the student aid report (SAR)).
Federal Loan – also known as the Direct Loan Program, which allows eligible students and parents to borrow directly from the U.S. Department of Education at participating colleges or universities. Federal student loans include Direct Subsidized, 直接无补贴计划和直接PLUS计划，适用于受抚养学生和研究生或专业学生的父母
Federal Direct Subsidized Student Loan – an undergraduate federal student loan based on financial need and offers students a reduced, fixed interest rate and flexible repayment terms. Interest is subsidized, meaning it does not accrue to the borrower, while in an in-school, grace, or deferment period. Annual and aggregate limits apply.
Federal Direct Unsubsidized Student Loan -贷款为学生提供固定利率和灵活的还款条件. It is not based on financial need. 利息在贷款发放时开始累积，可以在学生入学或开始偿还贷款时支付. Annual and aggregate limits apply.
Federal Direct Graduate PLUS Loan – 毕业生或专业学生用来支付教育费用的贷款. A credit check for adverse credit history is required for eligibility. 利息在贷款发放时开始累积，可以在学生入学或开始偿还贷款时支付.
Federal Direct Parent PLUS Loan – a loan that parents of dependent undergraduate students can use to help pay for education expenses. 家长必须通过不良信用记录的信用检查，才有资格获得PLUS贷款.
Federal Pell Grant -是一项联邦拨款计划，旨在帮助低收入和中等收入家庭的本科生支付大学学费. The award amount is based on the cost of the institution, EFC, and enrollment status, and is subject to an aggregate limit.
Federal Supplemental Educational Opportunity Grant (FSEOG) – is a federal grant provided by the institution to qualified undergraduate students who demonstrate exceptional financial need and does not need to be repaid. The amount of funding from this program varies by institution.
Federal Work-Study – the Federal Work-Study (FWS) program offers eligible students the opportunity to work on-campus part-time (or at a limited approved off-campus community service locations) to earn funds towards their educational expenses. FWS计划是根据资金的需要和可用性授予的. An offer of FWS does not guarantee a job. Students can seek employment opportunities through Hilltop Careers. 与助学金和贷款不同，FWS是在学生通过工作赚取资金时支付给他们的.
Fellowship – see “Award.”
FERPA – the Family Educational Rights and Privacy Act, a federal law that protects the privacy of student education records. 当学生年满18岁或进入任何年龄的高等教育机构时, all rights afforded to a parent under FERPA transfer to the student.
Financial Aid Offer - a document sent by a postsecondary institution to a student that outlines the amounts and details of the financial aid being offered to the student, which may include scholarships, grants, loans, employment, or other forms of financial assistance to pay for college expenses. Sometimes schools refer to these as financial aid “awards”, although this term is outdated. Schools should refer to these as financial aid offers.
Financial Need -你的出勤成本(预算)之间的差额，由St. Edward's University and your expected family contribution (EFC).
FSA ID – the FSA ID is a username and password combination that serves as a student’s or parent’s identifier to allow access to personal information in various U.S. 并在一些在线表格上充当数字签名.
Forbearance – 借贷者可能暂时停止偿还贷款的一段时间, temporarily make smaller payments, or extend the time for making payments. 不符合延期资格要求的借款人可以, at the discretion of the loan holder, receive a forbearance if the borrower does not meet the eligibility requirements for a deferment but is temporarily unable to make loan payments for reasons including, but not limited to, financial hardship or illness. Borrowers also are entitled to receive forbearance if they meet certain regulatory eligibility criteria.
G
Guarantee Agency —在借款人违约时为联邦政府提供担保偿还贷款的中介机构.
Gift Aid – financial assistance, such as grants and scholarships, that do not need to be repaid.
Grace Period – a period of time following a borrower's period of enrollment and preceding the repayment period start date for a loan during which the borrower is not required to make payments.
Grants & Scholarships – Any money provided to students that does not have to be repaid. They can be called grants, scholarships, tuition remissions, gift aid, or tuition waivers. Grants and scholarships are provided based on many different factors.
H
Homeless – an individual is considered homeless if he or she lacks fixed, regular and adequate housing. You may be homeless if you are living in a shelter, park, motel or car, 或者因为无处可去而暂时和别人住在一起. Also, if you are living in any of these situations and fleeing an abusive parent you may be considered homeless when completing your FAFSA even if your parent would provide support and a place to live.
Homeschool – a school in which children are educated at home either by parents, legal guardians, or tutors, rather than traditional public or private school.
I
Independent Student – an independent student is one of the following: at least 24 years old, married, a graduate or professional student, a veteran, a member of the armed forces, an orphan, a ward of the court, or someone with legal dependents other than a spouse, 被解放的未成年人或无家可归或有无家可归危险的人. Get additional information to determine your dependency status.
Interest/Interest Rate – an amount charged for borrowing money calculated as a percentage of the principal loan amount.
Iraq and Afghanistan Service Grant – a Title IV Grant for dependents of soldiers who died as a result of service in the U.S. military in Iraq or Afghanistan after September 11, 2001.
L
Legal Guardianship – a relationship created by court order, through which the court appoints an individual other than a minor’s parent to take care of the minor. A legal guardian is not considered a parent on the student’s FAFSA. In fact, 在法律监护下的学生不需要在FAFSA上报告父母信息，因为他或她被视为独立学生.
Lender – the entity that loans funds to a borrower. The lender of federal student loans is the U.S. 教育部(简称联邦直接贷款，因为资金直接来自联邦政府). Private loans are offered by a variety of different lenders (many are for-profit entities, although some may be non-profit), and schools offering their own loan programs may also serve as lenders.
Lifetime Eligibility Used (LEU) -佩尔助学金和伊拉克的所有年度资格使用(欧盟)百分比的总和 & Afghanistan Service Grant recipients. The maximum a student may receive is the equivalent of 12 full-time semesters or 6 scheduled awards.
Loan – 偿还债务:在一定时期内以一定利率偿还一定数额借款的法定义务.
Loan Disclosure Statement – a 向贷款借款人提供重要的贷款特定信息的文件, such as the anticipated loan disbursement amounts, the anticipated loan disbursement dates, and the amount of the borrower's loan fee. It is provided to the borrower before or at the time of the first disbursement of a loan.
Loan Limits – educational loans often include limitations to the total amount that may be borrowed during a specific period of enrollment or over a borrower’s lifetime. Federal Loan limits are available online.
Loan Servicer – the loan servicer is the entity who services the loan, meaning the entity who collects repayments, processes repayment options, and who communicates with borrowers on loan statuses (such as deferments, grace periods or forbearances).
M
Master Promissory Note (MPN) – a promissory note that can be used to make one or more loans for one or more academic years (up to 10 years). An MPN lists the terms and conditions under which the borrower agrees to repay the loan and explains the borrowers’ rights and responsibilities.
Merit Scholarship – gift aid awarded by an admissions office upon review of an applicant’s admission records.
Multiple Disbursements -以多张支票或电子交易支付的贷款收益. For example, a portion of a loan may go toward the first semester of school and the balance for the second semester.
myHilltop – the student information system at St. 爱德华大学将所有学生信息整合到一个数据库中. 网络界面允许您立即访问您的学生信息(例如.g. grades, enrollment; financial aid awards and disbursements, account information, etc.).
N
National Student Loan Data System (NSLDS) – the Department of Education's central database for student financial aid. It contains student-level data received from schools, the Direct Loan Program, the Pell Grant Program, and other ED programs and offices. NSLDS provides a centralized, integrated view of federal student aid loans and Pell grants and tracks them through their entire cycle.
Need – The student's Cost of Attendance minus their Expected Family Contribution
Need Analysis Formula – a federally-mandated formula used to objectively determine your Expected Family Contribution (EFC).
Need-based Aid -根据学生的经济状况向他们提供经济援助, determined by completing the FAFSA. Need-based financial aid can take different forms, including grants, scholarships, work-study programs, and low-interest loans, like the federal direct subsidized loan.
Net Price -出席费用与所有助学金和奖学金之间的差额. 净价反映了学生预计自己支付的教育费用，可以通过各种渠道支付, including savings, student employment, institutional payment plans, or education loans.
Net Price Calculator – an online tool providing estimated net price information to current and prospective students and based, as much as possible, on their individual circumstances. Net price is defined as the cost of attendance minus the average yearly grant and scholarship aid.
Non-degree seeking – a student who is not pursuing a designated degree or credential. Non-degree seeking students are ineligible for aid.
NSLDS -国家学生贷款数据系统(NSLDS)是每个借款人的所有联邦学生贷款细节的中央国家存储库. Data also includes Federal Pell Grant information. 个人可以使用在提交FAFSA时使用的相同安全凭证来访问各自的NSLDS贷款记录.
O
Office of the Inspector General (OIG) – an office within the Department of Education. Within the office, Investigation Services (IS) is responsible for all investigative activities relating to the Department's programs and operations and the prevention and detection of fraud and abuse in these programs and operations.
Origination Fee – a fee that is applied to Federal Loans which may be combined with an insurance premium. 这笔费用是贷款金额的一个百分比，在贷款人发放贷款之前从批准的金额中扣除.
Other Funding Options -助学金和奖学金以外的资助选择，学生及其家庭可以使用这些资金来支付任何剩余的费用或开支. This may include loans, student employment, institutional payment plans, or personal savings.
Outside Scholarship – a scholarship provided by an entity outside of St. Edward's University. 学生必须向学生财务服务办公室报告所有校外奖学金的收据.
Over Award – A over-award occurs when a student has received a level of aid in excess of what they are eligible. The funds received are “over” and above what is allowed, 必须采取行动来解决这种情况，以消除过剩.
P
Payment – the posting of funds associated with an award to a student’s account.
Personally Identifiable Information (PII) – PII means information that can be used to distinguish or trace an individual’s identity, 单独或与其他个人或识别信息相结合时，链接或可链接到特定个人. Some information that is considered to be PII is available in public sources such as telephone books, public websites, and university listings. This type of information is considered to be Public PII and includes, for example, first and last name, address, work telephone number, email address, home telephone number, and general educational credentials. The definition of PII is not anchored to any single category of information or technology. Rather, it requires a case-by-case assessment of the specific risk that an individual can be identified. 每当有额外365比分网电竞时，非PII就会变成PII, in any medium and from any source, that, when combined with other available information, could be used to identify an individual.
PIN – Personal Identification Number.
Principal – the amount of money borrowed or remaining unpaid on a loan. Interest is charged as a percentage of the principal. 保险和申请费将在支付前从该金额中扣除.
Private Loan – A student or parent loan from a bank, credit union, private company, a nonprofit or state-affiliated lender, or from the college or university directly to pay for educational costs. Interest begins to accrue when the loan is disbursed, and repayment begins while the student is still enrolled in school.
Private Outside Aid – financial aid that comes from non-government sources.
Professional Judgment – a professional judgment refers to the provision under federal law whereby a student financial services counselor is authorized to make adjustments to the data elements on the FAFSA in order to compensate for special circumstances on a case-by-case basis with adequate documentation. Such authority does not allow for changes to the need analysis formulas itself or to make direct adjustments to the expected family contribution (EFC) or Student Aid Index (SAI). Instead, only changes to the inputs to the formula are allowed upon review of the special circumstances on the student and/or family income and assets; or to the cost of attendance.
R
Reconsideration – opportunity to request a review of one’s financial aid award offer.
Refund -当学生的账户处于信用余额状态时，向学生发放资金(通过直接存款或支票).
Renewal FAFSA -今年完成FAFSA的大多数学生将获得更新的FAFSA. It is a simpler method of applying for federal financial aid. Much of the required information will be preprinted for you. All you have to do is verify the preprinted information and make any necessary corrections. If you receive a renewal FAFSA, you may complete it instead of a FAFSA.
Repayment Period -你偿还借款的时间加上利息.
Reimbursement – is a payment to a student for direct expenses.
Requirements -在特定的经济援助行动发生之前，援助申请人必须提供或完成的必要文件. Students can identify needed requirements by logging into the myHilltop portal, Financial Aid tab.
Resource -学生在教育费用方面获得的任何经济援助. All resources must be reported to the Student Financial Services office.
S
Satisfactory Academic Progress (SAP) -衡量学生在学业目标方面取得的进步. 进度必须通过基于成绩的(定性的)和完成时间/速度(定量的)标准来衡量. In order to be eligible to receive financial aid, you must meet and maintain satisfactory academic progress toward a degree or certificate program.
Scholarship – Scholarships, like grants, are a form of financial aid that does not have to be repaid. These are available from many sources including community groups, schools and private corporations. Scholarships can be awarded based on a variety of criteria including scholastic achievement, hobbies and college majors.
Selective Service – a federal agency system that collects the names of male U.S. 美国公民和年龄在18岁至25岁之间的非公民男性移民可能被征召入伍.S. military. 这个年龄段的男性必须在兵役局登记才能获得第四章的援助.
Self-help – term associated with these loans and/or employment.
Shopping Sheet – the Financial Aid Shopping Sheet is a standardized form that is designed to simplify the information that prospective students receive about costs and financial aid. 学生可以通过myHilltop门户网站查看各自的购物单, Financial Aid tab, at the time of the award offer.
Sticker Price – a college's published price (tuition and fees, room and board, etc.)
Stipend – see “Award.”
Student – a matriculated student at the university currently enrolled.
Student Account – an account to which your financial aid is disbursed. These funds pay your tuition and fees or receivables you owe St. Edward's University. If funds remain after fees are paid, 余额通过ACH提供或以退款支票的形式邮寄给您.
Student Aid Index (SAI) SAI将从2024-25年FAFSA开始取代EFC，作为确定联邦资格的资格指标, and in some instances, state and institutional need-based student financial aid. 一般来说，EFC较高的学生有资格获得较少的基于需求的经济援助. 这是基于学生及其家人在FAFSA上提供的信息.
Student Aid Report (SAR) -在完成联邦学生援助免费申请(FAFSA)后, a report summarizing the data reported on the FAFSA, displays the calculated federal expected family contribution (EFC), indicates if the student has been selected for federal verification, and identifies other messages.
Study Abroad – 学生在美国以外的地方注册学习. Students enrolled in abroad programs associated with St. Edward's University.
T
Tax Return Transcript – IRS document required when selected for federal verification. The tax return transcript shows basic data such as return type, marital status, adjusted gross income, taxable income, and all payment types. It also shows changes made after you filed your original return.
Terms & Conditions – specific details regarding a financial aid award offer. 受援国通常必须审查并接受援助，才能发放接受的援助.
Title IV – Title IV is a term that refers to federal financial aid funds.
U
Unmet Need – the 学生确定的需求水平与提供的援助金额之间的差异.
Unusual Enrollment History (UEH) – the U.S. Department of Education (DOE) has established regulations to prevent fraud and abuse in the Federal Pell Grant program by identifying students with unusual enrollment histories. DOE reviews enrollment patterns to identify those who have received a Federal Pell Grant at multiple institutions during the past three academic years. Once a student is identified as having an unusual enrollment history, 学生金融服务必须审查学术历史，以确定学生是否有资格获得联邦学生援助.
V
Variable Interest – interest rates that change periodically (e.g. quarterly, annually, etc.). 联邦贷款的利率由政府每年设定，并在每年的7月1日发生变化.
Verification – .a federally mandated process to confirm the accuracy of data provided by selected applicants on the FAFSA. To complete the verification process, the student, their parent(s), or spouse, if applicable, are required to provide certain documents to the school for review. If the documentation the student provides the institution doesn't match what was reported on the FAFSA, 验证可能会导致学生的经济援助资格发生变化, and/or financial aid offers.
Veteran -任何在美国陆军服役的个人, Navy, Air Force, Marines, or Coast Guard (other than for training purposes); and was released under a condition other than dishonorable.
Veterans' Benefits -与他们的服务相关的福利，同时也是退伍军人的学生将在奖励年度获得. For a detailed explanation of Veterans' Education Benefits see the Higher Education Act, as amended, Part F, Section 480(c).
Verification of Enrollment – certification by the school registrar that you are attending full-time, quarter-time, part-time, or less than part-time.
W
W-2 Form – IRS tax document issued by an employer to an employee which details annual earnings and withholdings.
Withdrawal – to cease attendance in all Title IV eligible classes in a payment period or period of attendance, as applicable.
Withdrawal Date – the date a student ceases attendance (drops or withdraws) from all their Title IV eligible courses in a payment period or period of enrollment.
Y
Yellow Ribbon – additional funding available for students using the Ch.33 Post-9/11 benefit at the 100% eligibility level.