FAQ Model for Student Verification

Student Verification FAQ Questions and Answers (sorted by Category)
Category	Question	Generic Response (Default Answer)	Additional Utterances	ID
Academic Year
Academic Year	What is an academic year?	An academic year is period of time to measure academic progress and award financial aid. The length of an academic year is based on academic credit hours or clock hours and on the number of weeks to complete those hours. Refer to your school's catalog for the academic year length for your program of study.	AY? What is an AY?	012
Academic Year	What is BBAY?	Borrower-Based Academic Year	What is a borrower based academic year?	126
Academic Year	What is SAY?	A Scheduled Academic Year (SAY) is traditional academic calendar typically including the fall through spring. You may refer to your school's handbook for the published schedule.	What is a standard academic year? What is a scheduled academic year?	127
Academic Year	What is a crossover payment period?	A crossover payment period means an academic year starts before June 30 and ends after July 1, so it starts in one award year and ends in another. The payment period that straddles this line is called a crossover payment period. Pell grants and other awards may be awarded from either award year based on institutional policy.		164
Academic Year	What is a payment period?	An academic year is divided into payment periods. Depending on the program, an academic year may have two or three payment periods. A payment period is often the term, but for some programs, the payment period may simply be half of the academic year. Payment periods are used to divide financial aid awards over the academic year. Your award letter will show you the payment period dates and award amount for each period.	what is a payment .	165
Accreditation
Accreditation	Is my school accredited?	You can find out of your school is accredited by visiting https://ope.ed.gov/dapip/#/home">https://ope.ed.gov/dapip/#/home	How can I find out if my school is accredited? Is my college accredited? Is my university accredited?	002
Accreditation	What is Accreditation?	Accreditation is a term used to describe the process that institutions of higher education undergo to confirm they meet the strictest educational standards. Accreditation is earned through accrediting bodies, which are private, nongovernmental organizations that have been created specifically to review higher education institutions and programs. These accreditors are reviewed for quality by entities such as the Council for Higher Education Accreditation (CHEA) or the United States Department of Education (USDE), and they are held to extremely high quality standards of their own	Why does a school need to be accredited? Is it necessary for a school to be accredited?	003
Applying for Aid
Applying for Aid	What is the Financial Aid process?	The first step in the financial aid process is to complete the Free Application for Federal Student Aid (FAFSA). This will help determine your eligibility for federal student aid. To complete the FAFSA, go to: https://studentaid.ed.gov/sa/fafsa. You can also read more on the financial aid process on this site.	How do I apply for financial aid? What is financial aid? How do I get financial aid?	001
Applying for Aid	What is an Award Year?	The federal aid award year runs from July 1 -June 30 each year. If you want to use federal aid, you must complete your FAFSA each year in order for your school to determine your eligibility.		018
Applying for Aid	What is college aid?	Institutional aid is awards offered from the institution you attend. This financial aid need or may be considered non-need based. Please see your financial aid administrator for additional questions related to institutional aid.		031
Applying for Aid	What is dependency status?	Dependency status is based on your answers to specific questions on the FAFSA and determine whether parent information is required to determine eligibility for federal student aid. For more information and see a list of dependency questions, visit https://studentaid.ed.gov/sa/fafsa/filling-out/dependency		038
Applying for Aid	What is early action?	Taking steps to apply for college is important. The early action process consists of you applying to your college of choice and receiving a decision prior to the normal college deadlines.		046
Applying for Aid	What is an early decision?	Taking steps to apply for college is important. The early decision process consists of you applying to your college of choice and committing to that institution. Way to go! Please be sure to visit your institution's site and complete the remaining documents needed for enrollment and financial aid, where applicable.		047
Applying for Aid	What is an eligible non-citizen?	A person is generally considered an eligible non citizen if they are in the U.S. for other than a temporary purpose with the intention of becoming a citizen or lawful permanent resident, as evidenced by the United States Citizenship and Immigration Services (USCIS) in the Department of Homeland Security (DHS).	eligible non-citizen eligible noncitizen citizen not eligible	050
Applying for Aid	What is an emancipated minor?	A minor who has been release from the control of their parent or legal guardian as determined by a court in the state of the student's legal residence at the time of the ruling.		051
Applying for Aid	What is the FAFSA form?	The Free Application for Federal Student Aid (FAFSA) is the application used to determine a student's eligibility for federal student aid. To complete the FAFSA or learn more about the process visit https://studentaid.ed.gov/sa/fafsa	What is FAFSA on the web? What is FAFSA? Where do I fill out my FAFSA?	055
Applying for Aid	What is a Federal School Code?	This number is a unique 6 character code for institutions participating in federal student aid programs. On the FAFSA you can search for schools by entering the state and school name if you don't know the Federal School Code.		057
Applying for Aid	What is my school's Federal School Code?	On the FAFSA you can search for schools by entering the state and school name if you don't know the Federal School Code.		058
Applying for Aid	What is a federal student aid pin?	The FSA ID is used to verify your identity to access information and sign documents related to your federal student aid account. The FSA ID should never be shared. You can apply for your FSA ID by visiting https://fsaid.ed.gov/npas/index.htm		059
Applying for Aid	What is an FSA ID?	The FSA ID is used to verify your identity to access information and sign documents related to your federal student aid account. The FSA ID should never be shared. You can apply for your FSA ID by visiting https://fsaid.ed.gov/npas/index.htm		066
Applying for Aid	What is an independent student?	Dependency status is based on your answers to specific questions on the FAFSA. An independent student does not have to include parent information to determine eligibility for federal student aid. For more information and see a list of dependency questions, visit https://studentaid.ed.gov/sa/fafsa/filling-out/dependency	Am I an independent student?	072
Applying for Aid	What is an LEU?	LEU stands for Lifetime Eligibility Used. LEU is the sum of all annual Eligibility Used (EU) percentages for Pell Grant and Iraq & Afghanistan Service Grant recipients.	What is Lifetime Eligibility? Lifetime eligibility used	077
Applying for Aid	Who is my loan servicer?	Visit My Federal Student Aid at https://www.studentaid.ed.gov (be sure to login) to view information about all of the federal student loans you have received and to find contact information for the loan servicer or lender for your loans.		085
Applying for Aid	What does need-based mean?	Need-based means that your award is based on financial need. The FAFSA is generally used to determine need when evaluating Federal, State, and Institutional Aid awards.	need based mean	090
Applying for Aid	What is a professional judgement?	A professional judgment (PJ) or a special circumstance is considered a request from a student to review the current situation when determining financial aid eligibility. An aid administrator may use a PJ on a case-by-case basis only to adjust the cost of attendance or the data used to calculate the EFC. Documentation is required to support the request. Please contact your financial aid administrator for additional information.	What is a pj? What is a special circumstance? my parents wont help me my parents cannot help me my parents won't help me	168
Applying for Aid	What is a dependency override?	A dependency override is an action a financial aid administrator may take to change a student's status for federal student aid from dependent to independent (the reverse is not permitted). There must be unusual circumstances to warrant an override, and the FAA must document those circumstances in the student's file.		169
Applying for Aid	What is a dependent student?	Dependency status is based on your answers to specific questions on the FAFSA. Dependent students must provide parent information to determine eligibility for federal student aid. For more information and see a list of dependency questions, visit https://studentaid.ed.gov/sa/fafsa/filling-out/dependency	Am I a dependent student? What are dependents?	170
Applying for Aid	What are disclosures?	This is a document that provides loan information, such as disbursement amounts, disbursement dates, and fees. This is provided to you before or at the time of your first loan disbursement.		173
Applying for Aid	What is failure to register?	To determine eligibility for federal student aid, there are some requirements related to Selective Service. To learn more about Selective Service requirements, how to register, and exemptions, visit https://www.sss.gov/	What is failure to register for selective service?	180
Applying for Aid	What is household size?	Household size refers to the number of individuals, including yourself, who will receive more than half of their financial support from you (or your parents if dependent) for a particular award year.	I take care of my sister can I claim her on my verification worksheet I take care of my brother I take care of my parents I take care of my mom I take care of my dad can I claim my cousin on the fafsa can i add my sister to my household?	182
Applying for Aid	What is a Financial Aid Appeal?	If you have a change in your financial situation after you completed your application for Financial Aid you may be able to request an appeal. Contact you school's Financial Aid office to find out their policy for appeals.		187
Applying for Aid	What is grade level progression?	In order to continue to be eligible for Federal Financial Aid, a student must be making progress towards completion of a degree. In some cases that means earning enough credits to be considered in the next grade level. Your school will define the rules to progress to the next grade level. You should know that your grade level also impacts the amount of money you may be eligible for in loans and grants.		199
Applying for Aid	What is an ISIR?	An Institutional Student Information Record (ISIR) is the copy of your FAFSA information sent to the schools you listed. This will look similar to your Student Aid Report (SAR). The ISIR will tell the school if you are selected for verification or if there are any other areas that need documentation. Once you provide the school with all the documentation needed, they can finalize your financial aid awards.		202
Applying for Aid	How do I correct my FAFSA?	You can make updates to your FAFSA by logging in to https://FAFSA.gov with your FSA ID. Once you are logged in click on Make FAFSA Corrections. You can also work with your school's Financial Aid office to update your FAFSA.	I need to correct my FAFSA?	203
Applying for Aid	What if my parent is also attending school?	Having a parent attending college at the same time as you will impact your Federal Financial Aid if you are considered a dependent student. After you fill out your FAFSA you may want to check with your school's Financial Aid Office for more details about your specific situation.	I have a parent in school?	212
Applying for Aid	What if I have a sibling in school?	Having a sibling attending college at the same time as you will impact your Federal Financial Aid. After you fill out your FAFSA you may want to check with your school's Financial Aid Office for more details about your specific situation.	I have a sibiling in school?	213
Applying for Aid	I worked, but did not file taxes.	All students who apply for Federal Financial Aid must file a FAFSA. However, not all students are required to file taxes in order to fill out a FAFSA. To complete the FAFSA or learn more about the process visit https://studentaid.ed.gov/sa/fafsa	I have not filed taxes I have not filed my taxes	214
Applying for Aid	Do I have to reapply for financial aid every year?	The federal aid award year runs from July 1 -June 30 each year. If you want to use federal aid, you must complete your FAFSA each year. Students can start filling out the FAFSA beginning on October 1st of the year before they are applying for Federal Financial Aid. Check with your school's Financial Aid office for school specific deadlines.		215
Applying for Aid	How do I apply for Pell grant?	The Free Application for Federal Student Aid (FAFSA) is the application used to determine a student's eligibility for federal student aid. To complete the FAFSA or learn more about the process visit https://studentaid.ed.gov/sa/fafsa		216
Applying for Aid	Where can I get information about Federal student financial aid?	The Free Application for Federal Student Aid (FAFSA) is the application used to determine a student's eligibility for federal student aid. To complete the FAFSA or learn more about the process visit https://studentaid.ed.gov/sa/fafsa	how do I do my fafsa?	217
Applying for Aid	Where can I get a copy of the FAFSA?	Once your FAFSA form or FAFSA correction has been processed, you can get a copy of your SAR by logging in to fafsa.gov using your FSA ID and selecting the “View or Print your Student Aid Report (SAR)" option near the middle of the “My FAFSA" page; or contacting the Federal Student Aid Information Center at 1-800-4-FED-AID (1-800-433-3243; TTY for the deaf or hard of hearing 1-800-730-8913) and requesting a copy be sent to you via U.S. mail (allow 10–14 days for delivery).		219
Applying for Aid	When can I renew my FAFSA?	Students can start filling out the FAFSA beginning on October 1st of the year before they are applying for Federal Financial Aid. Check with your school's Financial Aid office for school specific deadlines.		220
Applying for Aid	Am I required to file taxes every year?	All students who apply for Federal Financial Aid must file a FAFSA. However, not all students are required to file taxes in order to fill out a FAFSA. To complete the FAFSA or learn more about the process visit https://studentaid.ed.gov/sa/fafsa	I am not required to file?	221
Applying for Aid	I forgot to sign my FAFSA	If you did not electronically sign your FAFSA during submission you may print a signature page and mail it in afterwards. You are also able to log back into your FAFSA with your FSA ID to provide an electronic signature. Remember that your Financial Aid application cannot be fully processed without your signature.		222
Applying for Aid	My parent forgot to sign the FAFSA	A parent can create their own FSA ID in order to electronically sign their child's FAFSA application. A parent can also print the signature page, sign it and mail it to the address on the FAFSA website.		223
Applying for Aid	Can I get a loan if I have a bankruptcy?	This depends on the type of loan program and the type of bankruptcy. You should contact the Financial Aid office at your school to find out more about getting loans after bankruptcy.		228
Applying for Aid	What is untaxed income?	Any income that is earned by a student or their parents which does not appear on a Federal tax return.		240
Applying for Aid	How do I register for selected service?	The Department of Education requires that all (male) students seeking Federal financial aid be registered for Selective Service, as this is a general requirement for all male citizens within the United States between the ages of 18 and 25.	Do I need to register for selected service?	242
Applying for Aid	What kind of financial aid is available?	The four main sources for financial aid are the federal government, the state government, postsecondary institutions, and private organizations. The types of aid are: Federal Aid which consists of Grants, Scholarships, Loans, and Work-Study Funds State Aid where state governments offer grants, scholarships, work-study funds, state loands and tuition assistance. Institutional Aid which consists of aid that individual colleges and universities provided to their students. Private Aid which is typically in the form of loans and scholarships or private financial aid which comes from corporations, religious organizations, cultural organizations, professional and service organizations, and more.		246
Applying for Aid	I am a new mom	In some cases, unborn children may be included in household size. Please contact your financial aid officer to discuss your situation.	I'm pregnant. can i include my baby on my verification worksheet	260
Applying for Aid	Are food stamps taxable income?	Food stamps and other government assistance programs are not taxable income.	Am I taxed on food stamps? Are SNAP benefits taxable?	265
Attendance
Attendance	What is an LDA?	Your Last Date of Attendance (LDA) is the last day you attended your classes.	What is the last date of attendance? What is the last day of attendance? How is there an LDA when my professor does not take attendance?	227
Attendance	What is a leave of absence?	A period of time when a student stops attending school with the intent to return to their studies at a later date. A leave of absence may impact academic progression, financial aid and other things. Students are encouraged to meet with someone at their institution in either the Dean of Student's office or the Finanical Aid office prior to leaving school.	What is an LOA? LOA?	229
Collections
Collections	What is a collection agency?	A collection agency is a 3rd party that may be hired by your school to collect payments owed to the school. Collection agencies are commonly used for balances that are past due. It is important to make your payments on time.		021
Collections	What is a collection cost?	If your account is past due and sent to collections, the school must pay the collection agency for their services. The collection fee is added onto the amount you owe. It is important to make your payments on time.	What is a collection fee? What is a collection fee? What are collection fees? Whats a collection fee? What's a collection fee? What are collection costs?	030
Collections	What does it mean to be delinquent?	Delinquency means payments are past due. Delinquency can refer to payments you owe to your school or payments due to a lender.		037
Collections	What is wage garnishment?	When you default on Federal Student Loan payments the government may take a certain percentage of your paychecks to settle the debt.	What is garnish my wages?	252
Education Credential
Education Credential	What is an Associate Degree?	An Associate's degree is an undergraduate degree typically completed in 2 years.		016
Education Credential	What is a Bachelor's Degree?	A bachelor's degree is an undergraduate degree typically completed in 4 years.		019
Educational Cost
Educational Cost	What are the tuition and fees?	Tuition is the cost for your courses. Fees can be charged based on a specific situation. For example, all students may be charged an application or registration fee, but a technology fee or equipment fee may be specific to a program or course. Your financial aid officer can review the tuition and fees for your program of study.	What is tuition? What are fees? What's tuition? Whats tuition? How much does it cost per semester? How much does it cost per term? What is the tuition? What are the fees and tuition for my degree?	005
Educational Cost	How can I afford school?	There are many options to help you afford to go to college. A few of the common ones are: Scholarships - There are many scholarships available to college students that can assist with the offset of college costs. State Aid - Many states have college funding programs. Grants - Grants are free money that do no have to be repaid. Loans - Student loans are real loans that need to be repaid with interest after graduation. Work-study - A work-study job gives you the opportunity to earn money to help pay your educational expenses.		006
Educational Cost	What is cost of attendance?	The cost of attendance (COA) is not the bill that you may get from your college; it is the total amount it will cost you to go to college each year. The COA includes tuition and fees; on-campus room and board (or a housing and food allowance for off-campus students); and allowances for books, supplies, transportation, loan fees. Please refer to your institution for additional details related to your cost of attendance.	What is COA? How much does it cost to attend? How much does my degree cost? What is the cost of my program?	010
Educational Cost	What is a budget?	A budget helps compare your income to your expenses to help make decisions and ensure your bills can be paid. To calculate your budget, visit https://mappingyourfuture.org/money/budgetcalculatorInt.htm		020
Educational Cost	What is a direct cost?	Direct Costs are charged by your school and can be seen on your student account record. These are usually tuition and applicable fees. If you live on campus, direct costs may include room and board.	What are direct costs? what's direct costs? whats indirect costs?	034
Educational Cost	What is financial need?	Financial Need is the difference between the Cost of Attendance (COA) and Expected Family Contribution (EFC). The figure is used to determine the total amount of need-based aid a student may receive for an academic year.		065
Educational Cost	What is indirect cost?	Indirect Costs are not charged by the school, but are included in your overall cost of attendance. These include room and board if you live off-campus or with your parents, transportation costs to and from school, and personal expenses.	What are indirect costs? What's indirect costs? whats indirect costs?	073
Educational Cost	What is net price?	The net price is defined as the cost of attendance minus the average yearly grant and scholarship aid, and all Title IV schools that enroll full-time, first-time degree- or certificate-seeking undergraduate students must have on their website a net price calculator.		091
Educational Cost	What is a net price calculator?	The net price calculator is an online tool that provides estimated net price information for current and prospective students and based, as much as possible, on their individual circumstances.		092
Educational Cost	What is outstanding principal?	Outstanding principal is the remaining balance of your loan.		095
Educational Cost	What is room and board?	Room and board is considered an indirect cost, when calculating the cost of attending a school. This cost may be in addition to tuition and other fees, but is common associated with the student’s housing situation (for example, a dorm room) and their meals. Please contact your financial aid administrator for additional information related to room and board.		106
Educational Cost	What is an automatic zero EFC?	A zero Estimated Family Contribution (EFC) means that the family has no means of contributing to the cost of education. This number is determined by information provided on the Free Application for Federal Student Aid (FAFSA). In some cases the full calculation is bypassed based on a predetermined set of criteria. This bypass is called an automatic zero EFC.	What is an automatic EFC? 0 EFC	125
Educational Cost	Will financial aid cover my housing?	Yes. It is possible that financial aid may assist in covering the cost of housing and living expenses. Contact your Financial Aid Office for questions on your specific needs.	Will financial aid cover my dorm? Will financial aid pay for my housing? Can I get help with living expenses?	266
Educational Cost	Will financial aid cover my books?	In some cases financial aid may be able to assist in the cost of your books or other school supplies. Contact your Financial Aid Office for questions regarding your specific needs.	Will financial aid cover the cost of my books? Can i get help with the cost of my books? Does financial aid cover school supplies? Can i get help with school supply costs? Will financial aid help with books and school supplies?	267
Educational Grant
Educational Grant	What is the Federal Pell Grant?	Federal Pell Grant is a type of need-based aid for undergraduate students that does not have to be repaid, except in limited circumstances. For additional information, click https://studentaid.ed.gov/sa/types/grants-scholarships/pell	What is Pell? Can I get Pell?	056
Educational Grant	What is a grant?	A grant is commonly referred to as "Gift-Aid" because it does not have to be paid back. Grants are typically need-based. For more information visit https://studentaid.ed.gov/sa/types/grants-scholarships		069
Educational Grant	What is Title IV?	This is federally funded aid. It includes Federal Pell Grant, Federal Supplemental Educational Opportunity Grant, Federal Loans and other resources. For more information on TIV funds visit https://studentaid.ed.gov/sa/types	What is TIV? What is federal aid? Title IV? Title 4	119
Educational Grant	What is FSEOG?	Federal Supplemental Educational Opportunity Grant (FSEOG) is a need based grant for undergraduate students that does not have to be repaid. Schools have a limited amount of FSEOG to award each year, and it is awarded to students with the highest need.		186
Educational Grant	What is a scholarship?	A grant is commonly referred to as "Gift-Aid" because it does not have to be paid back. Grants are typically need-based. For more information visit https://studentaid.ed.gov/sa/types/grants-scholarships		249
Educational Grant	What is the TEACH grant?	Teacher Education Assistance for College and Higher Education (TEACH) Grant is a grant for students in certain teaching certificate programs. If you are enrolled in an eligible program and your school participates in the TEACH Grant program, there are additional requirements that must be met in order to be eligible for the grant. Further, there are employment requirements that must be met after graduation or the grant will be converted into a loan that must be repaid.	Teach grant?	254
Educational Loan
Educational Loan	What is a loan?	Loans can be used to help cover the cost of education and must be repaid. There are several types of loan options. The department of education offers Subsidized Direct Loans, Unsubsidized Direct Loans, Parent PLUS Loans, Graduate PLUS Loans. There are also several options for private loans. Your financial aid officer can discuss the types of loans available based on your situation.	Do I need a loan? Do I have to take out loans? What's a loan? Whats a loan?	017
Educational Loan	What is a loan principal?	Loan principal is the amount you owe, not including interest charges.	What is principal? What's principle? Whats principle?	023
Educational Loan	What is interest?	Interest is charged by a lender when you borrow money. A loan disclosure will provide the interest rate, which is a percentage of the loan balance.		024
Educational Loan	Can I get a PLUS loan if I am a graduated or professional student?	The US Department of Education offers a Graduate PLUS loan for eligible students at participating schools. Your financial aid office can advise if a Graduate PLUS loan is an option for you. For more information click https://studentaid.ed.gov/sa/types/loans/plus/grad-professional		040
Educational Loan	What is a direct subsidized loan?	Federal Direct Unsubsidized Loans are available for Undergraduate and graduate students. Students do not have to demonstrate financial need for this type of loan. For more information on subsidized loans visit https://studentaid.ed.gov/sa/types/loans/subsidized-unsubsidized.		041
Educational Loan	What is a PLUS Loan?	PLUS loans are available for graduate and professional students as well as parents of dependent undergraduate students to assist in educational expenses. These loans are not need based loans, but do require a credit check. For more information on PLUS loans visit https://studentaid.ed.gov/sa/types/loans/plus		042
Educational Loan	What is an endorser?	An individual who agrees to pay the loan if the borrower fails to do so.		052
Educational Loan	What is entrance counseling?	Students who have not previously utilized student loans are required to receive counseling on loan terms, loan conditions and debt management prior to receiving their first Direct Loan payment. Entrance Counseling is provided at https://studentloans.gov/myDirectLoan/counselingInstructions.action		053
Educational Loan	What is exit counseling?	Schools participating in federal education loan programs must provide information about loan terms and conditions and debt management to student borrowers. Exit Counseling places emphasis on preparation for repaying student loans. Counseling should take place shortly after a student graduates, leaves school or is no longer attending at least half time. Exit Counseling is provided at https://studentloans.gov/myDirectLoan/counselingInstructions.action		054
Educational Loan	What is a loan date?	The date your loan was booked or originated with Common Origination and Disbursement (COD). You should receive correspondence from the lender and your institution regarding your loan. Please review the disclosures and your award letter for additional details.	What is my loan origination date?	078
Educational Loan	What is a loan holder?	The organization that owns a loan. Most federal student loans (not private loans) are serviced by the U.S. Department of Education. For more information, contact your financial aid administrator.		079
Educational Loan	What is a loan period?	A loan period is the time frame for which loans are awarded, which is commonly an academic year.		080
Educational Loan	What is a loan period begin date?	Visit My Federal Student Aid at https://www.studentaid.ed.gov (be sure to login) to view information about all of the federal student loans you have received and to find contact information for the loan servicer or lender for your loans.		081
Educational Loan	What is a loan period end date?	A loan period end date is the last day of a loan period.		082
Educational Loan	What is an MPN?	A Mastery Promissory Note (MPN) is an agreement to pay back your student loan. It also outlines the terms and conditions of your loans. You can learn more about the MPN and fill it out at https://studentloans.gov/myDirectLoan/launchMpn.action?mpnType=subUnsubMpn It is important to make your payments on time!	What is a master promissory note? What is a promissory note?	086
Educational Loan	What is a private loan?	A loan provided by a private educational lender that is not a federal student aid loan and that is issued expressly for postsecondary education expenses to a borrower.		098
Educational Loan	What is total borrowed?	The total amount borrowed for attending school from all loan types and all years attended.		110
Educational Loan	What is an annual loan limit?	There are maximum amounts of Federal Subsidized and Unsubsidized Loans you are eligible to take out. These are called annual loan limits. These limits are based on a number of things including dependency status and grade level. Your school will determine your overall eligibility for these loans and the amount you are able to receive. To learn more about annual loan limits visit https://studentaid.ed.gov/sa/types/loans/subsidized-unsubsidized	How much can i borrow? What is the maximum amount i can take out in loans? What is the most I can borrow? What is the max i can borrow?	122
Educational Loan	What is a credit check?	A credit check may be performed when applying for PLUS loans or private loans.  This means your credit history will be evaluated to see if you meet the requirements for the respective lender.  Your financial aid office will not see your credit report, only the decision from the lender.	Why do I need to check my credit? Why do you need to check my parent's credit? Will the school see my credit report? Will the school see my credit history?	163
Educational Loan	What is a FFLEP Loan?	FFLEP loans were a system of private loans guaranteed by the Education Department	What is the Federal Family Loan Education Program?	172
Educational Loan	What is a Perkins Loan?	Federal Perkins Loan Program was a low interest federal loan for students with exceptional need. This program has been discontinued. New loans cannot be awarded after September 30, 2017.		184
Educational Loan	What is a guaranty agency?	A state agency or a private, nonprofit organization that administers Federal Family Education Loan (FFEL) Program loans. As of July 2010 there are no more FFEL Program Loans.		200
Educational Loan	What is an institutional loan?	An institutional loan is a loan from your school rather than a bank or the federal government. Many schools offer both short term emergency loans and longer term loans for the purposes of paying for tuition and fees. See your school's Financial Aid Office to find out if they offer institutional loans.		225
Educational Loan	How long will I qualify for loans?	Most federal and private loans used to pay for college are available as long as you are enrolled at your institution.		233
Educational Loan	What is an origination fee?	An origination fee is a fee that a bank charges for loaning you money in addition to interest. In many cases, the origination fee is taken out of your loan disbursement so the amount you receive is less than what you borrow. Both federal and private loans may charge origination fees so it is important to review all fees before accepting a loan.		234
Educational Loan	What is a direct subsidized loan?	Federal Direct Subsidized Loans are available for undergraduate students with financial need. For more information on subsidized loans visit https://studentaid.ed.gov/sa/types/loans/subsidized-unsubsidized		243
Educational Loan	What is a direct unsubsidized loan?	Federal Direct Unsubsidized Loans are available for Undergraduate and graduate students. Students do not have to demonstrate financial need for this type of loan. For more information on subsidized loans visit https://studentaid.ed.gov/sa/types/loans/subsidized-unsubsidized.		244
Educational Loan	What is a loan period start date?	A loan period begin date or start date is the first day of a loan period.		255
Educational Loan	What is a loan?	Loans can be used to help cover the cost of education and must be repaid. There are several types of loan options. The department of education offers Subsidized Direct Loans, Unsubsidized Direct Loans, Parent PLUS Loans, Graduate PLUS Loans. There are also several options for private loans. Your financial aid officer can discuss the types of loans available based on your situation.	can I get loans Do i qualify for loans?	257
Family Contribution
Family Contribution	What is expected family contribution (EFC)?	Expected Family Contribution (EFC) is calculated by the US Department of Education based on the information from your FAFSA. The EFC is used to determine your eligibility for need-based aid such as grants, scholarships, federal work study, and subsidized loans.	What is my efc? What is an efc?	011
Financial Aid
Financial Aid	How can I meet with someone in financial aid?	You can make an appointment with your advisor to discuss any financial aid needs.		009
Financial Aid	What is an annual award?	An annual award typically refers to grants or loans, but could refer to scholarships or other types of funding. For Federal grants, an annual award commonly refers to an Award Year (July 1-June 30). For federal loans, an annual award refers to the loans awarded for an academic year.		121
General
General	What is an approved drug rehabilitation program?	A qualified drug rehabilitation program must include at least two unannounced drug tests and satisfy at least one of the following requirements: Be qualified to receive funds directly or indirectly from a federal, state, or local government program; Be qualified to receive payment directly or indirectly from a federally or state-licensed insurance company; Be administered or recognized by a federal, state, or local government agency or court; or Be administered or recognized by a federally or state-licensed hospital, health clinic, or medical doctor.		015
General	What is common-law marriage?	Common law marriage is when a couple lives together and presents themselves for a period of time to the community as being married without a formal ceremony and obtaining a legal marriage license. See your financial aid administrator to determine if your state recognizes common law marriage.	What is commonlaw marriage? I have a common law spouse I have a common law husband I have a common law wife	032
General	What is a credit bureau?	A company that collects information relating to the credit ratings of individuals and makes it available to financial institutions. Credit ratings can be utilized in applying for the Parent Plus Loan and Alternative Loans. Please review the conditions of these loans prior to applying.		035
General	What is a diploma mill?	An entity that charges a fee and requires students to complete little or no coursework to receive a certificate, diploma, or degree. In addition, the entity lacks accreditation by a recognized accrediting body for institutions of higher education by the Secretary or a federal agency, state government, or other organization that recognizes accrediting agencies. However, not being accredited does not necessarily make a school a diploma mill. A list of unacceptable high schools may be viewed at https://nces.ed.gov/globallocator/. Speak with your academics department for further information.		039
General	What is a Financial Aid Officer?	A financial aid officer is your point of contact throughout the financial aid process. They can answer questions, review your eligibility with you, or help you understand documents.		062
General	How do I contact my Financial Aid Office?	You can make an appointment with your advisor to discuss any financial aid needs.		063
General	Who is my Financial Aid Officer?	Visit Contact Us on the Student Portal or refer to the school catalog		064
General	What is a GED?	A General Education Diploma (GED) is the equivalent of a high school diploma. It is designed for those who did not complete high school. Also referred to as a General Equivalency Diploma or General Education Development Certificate.	What is a general education diploma? What is a General Equivalency Diploma?	067
General	What is a graduation rate?	This is the percentage of first-time, first-year undergraduates who complete their program within 150% of the published time for their given program. For example, a student entering a four-year program who completes the program within 6 years would be included as a graduate.	What is the grad rate? What's the grad rate? Whats the grad rate? grad rate	068
General	Am I considered homeless?	Homeless means lacking fixed, regular and adequate housing. Please contact your financial aid administrator for additional questions related to determining your eligibility.		070
General	What is homeschool?	A home school is where children are taught at home instead of attending a public or private school.	What is home school?	071
General	What is a job placement rate?	Speak with your career services department to find out more about your college's job placement rate.		074
General	What is my school's job placement rate?	Job placement rates measure the percentage of students who are placed in occupations related to what they studied in school.		075
General	What is legal guardianship?	Legal guardianship is when a child's primary care is provided by someone other than a biological parent. A legal guardian provides the primary care for a child when the parents are unable to do so. The guardian may have been selected by the parent or appointed by the courts.		076
General	What is NSLDS?	The National Student Loan Data System (NSLDS) is the Education Department's centralized system for federal aid. Here you can access information on your federal student loans and grants. You can access your information at https://nslds.ed.gov/nslds/nslds_SA/	What is the National Student Loan Data System?	088
General	Where can I find information on my loans?	For information on your federal student loans you can access The National Student Loan Data System (NSLDS) at https://nslds.ed.gov/nslds/nslds_SA/. Contact your Financial Aid Office for more information on Institutional or private loans you may be utilizing.		089
General	What is a new borrower?	A new borrower is considered to be an eligible student that did not have a student loan prior to the active loan being disbursed.		093
General	Who is an out-of-state student?	An out-of-state student has not established residency in the state where they are attending school. Rules for establishing residency vary by state.	out of state student	094
General	What is a proprietary school?	A proprietary college is a private school that is a profit-seeking business.	What is a for-profit school? What is a for-profit college?	099
General	What is a non-profit school?	A non-profit institution is owned and operated by one or more nonprofit corporations or associates. No part of the net earnings of which benefits shareholders or an individual.		100
General	What are qualified public services?	Qualified public services entities are emergency management, military service, public safety, law enforcement, public interest law services, early childhood education,public service for individuals with disabilities, public service for the elderly, public health public education, public library services, and other school-based services. For more information on qualified public services, visit https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service#qualifying-employment		101
General	What is a regular student?	A regular student is someone that is enrolled or accepted for enrollment in an eligible program at an eligible institution for the purpose of obtaining a degree, certificate, or other recognized educational credential offered by that institution.	what is a basic student?	102
General	What is a retention rate?	The percentage of first-time, first-year undergraduates who continue at the given school the next year. For example, a student who attends in the fall semester and continues their studies in the program the next fall term would be included in this rate.		104
General	What is my school's retention rate?	Please visit the College Navigator site https://nces.ed.gov/collegenavigator/ to search for your institutions' retention rate. For additional questions, please reach out to your financial aid administrator.		105
General	What is SAP?	SAP stands for Satisfactory Academic Progress. Please contact your financial aid administrator for additional questions related to Satisfactory Academic Process	What is satisfactory academic progress? What's sap? whats sap? What's satisfactory academic progress? whats satisfactory academic progress?	107
General	What is a teach-out plan?	A teach-out plan means that a student will finish their program of study at a different school than they originally attended, typically in the case of program discontinuation or school closure.	What is a teach out plan?	109
General	What is a transfer rate?	The percentage of first-time, first-year undergraduates who transfer to another college within 150% of the published time for the program. For example, a student who is in a four-year program and transfers to another college within six years would be included in this rate.	transfer rate?	111
General	What is the Treasury Offset Program?	This program will utilize your tax refund to offset federal payments. This program may be used when students default on payments for their Federal Direct Loans.	What is a tax offset?	112
General	What is a ledger card?	A ledger card is a record of all the financial activity related to your school attendance. This will include charges (ex. Tuition, fees) and payments (ex.cash, grants, loans) and a remaining balance.	What is an account? What is an AR card? What is a student account?	117
General	What is adverse credit history?	Your credit history is impacted by many financial activities. Adverse credit history can mean there are payments are repeatedly late, severely delinquent, accounts sent to collection agencies, and many more. For more information about credit and the decisions that impact your credit history, visit https://www.consumer.gov/articles/1009-your-credit-history		118
General	What aid earned mean?	Students "earn" their financial aid by attending class. The percentage of aid you earn would be a pro-rated amount based on the date you stopped attending class.		120
General	What is ability to benefit?	In most cases, students must have a high school diploma or GED to qualify for TitleIV funding. However, the Ability-to-Benefit Program (ATB) provides an opportunity for those who do not have a diploma or GED to be eligible for Federal funding. Speak with your Financial Aid Office for more information about this program.	What is abt? Can I get loans if i didn't graduate high school?	123
General	What is BIA?	The Bureau of Indian Affairs is an organization serving American Indians, Indian Tribes, and Alaskan Natives. There may be financial assistance available for the cost of education. For more information, visit https://www.bia.gov/	Bureau of Indian Affairs? What about aid for American Indians?	128
General	What is a book voucher?	A book voucher generally means that you are able to charge the cost of your books to your student account prior to your financial aid paying. Speak with your Financial Aid Office to see if they offer this resource.		129
General	What is a borrower?	A loan borrower is the recipient of funds that they agree to pay back. The borrower incurs debt which generally accrues interest. The borrower is required to pay back the accrued interest and the original principle loan amount.		130
General	What is a branch campus?	A branch, or satellite, campus commonly refers to campus that is physically at a distance from the original college campus which is often referred to as the main campus.	What is a satellite campus? What is a regional campus?	131
General	What is a campus?	A campus refers to the grounds and facilities used by faculty and students of an educational institution. This may include classrooms, dorms, dining halls, athletic facilities, and libraries for example.	What is a main campus?	132
General	What are campus-based programs?	There are some federal student aid programs that the school must apply for and be granted a specific budget for student awards. Once the Department of Education has given the school their budget, the school makes awards to students throughout the award year. These programs include Federal Supplemental Educational Opportunity Grant (FSEOG) and Federal Work Study (FWS).		133
General	Where can I find my campus security records?	Please refer to your school catalog to find out where to find campus security records.		134
General	What is the Central Processing System Student Account Internet Gateway?	Student Aid Internet Gateway, known as SAIG. Is an internet-based tool that enables Federal Student Aid trading partners to securely exchange batch data with Federal Student Aid Application Systems. For example: SAIG enabled your institution to receive a copy of your FAFSA application (ISIR) for review.		135
General	Who is my campus president?	Please refer to your school catalog to locate the name of your campus president.		136
General	Who is my academic advisor?	Please contact your school to find out who your academic advisor is, or visit your student portal.		137
General	What is my schedule?	Please contact your registrar or academic advisor to discuss your schedule.		138
General	What is Children of Fallen Heroes?	Children of Fallen Heroes is a Federal Financial Aid program which provides a maximum Pell grant to pell-eligible students whose parent or guardian died in the line of duty while serving as a public safety officer.		139
General	What is Children of Iraq and Afghanistan Soldiers?	Children of Iraq and Afghanistan Soldiers Service Grant is a Federal Financial Aid program for students whose parent or guardian died as a result of military service in Iraq or Afghanistan.		140
General	What is CPS?	The Central Processing System (CPS) uses information on the FAFSA to calculate an EFC and communicate results to students and schools.		141
General	What is COD?	Common Origination and Disbursement (COD) is a Department of Education system used to track the awards and payments of student's federal student aid.		142
General	What is the Clery Act?	The Jeanne Clery Disclosure of Campus Security Policy and Campus Crime Statistics Act (Clery Act). The Clery Act requires institutions of higher education to comply with certain campus safety- and security-related requirements as a condition of their participation in the title IV, HEA programs. Click here for more information https://studentaid.ed.gov/sa/about/data-center/school/clery-act-reports	What is the Cleary act?	143
General	What is a clock hour?	A period of time measuring academic progress, consisting of: 50- to 60-minute class, lecture, or recitation in a 60-minute period; or 50- to 60-minute faculty-supervised laboratory, shop training, or internship in a 60-minute period; or 60 minutes of preparation in a correspondence course		144
General	What is a credit hour?	Academic Credit Hours are a measure of academic progress that consist, on average, of at least 1 hour in class and 2 hours out of class work in each week of a quarter, semester, trimester OR the equivalent for lab work, intern/externship, and other academic work earning credit hours.		145
General	What is a clock to credit hour conversion?	Undergraduate programs offered in credit hours that are not at least 2 academic years leading to an associate degree or higher, and all hours in the program do not apply to an associate degree program or higher at that school are subject to this conversion. The converted value is used to determine Title IV eligibility. These are commonly referred to as Financial Aid (FA) Credits.		146
General	What are comment codes?	Comment code is a numeric code on the Student Aid Report and ISIR that identifies data matches and issues on the student application. Each code corresponds to specific comment text for the award year.		147
General	What is competency-based education?	Competency-based education allows students earn college credit and progress through a program at their own pace, based on demonstrated mastery of skill or knowledge in the respective area of study.	What is CBE? What is competency based education?	148
General	Does my school offer competency-based credits?	Refer to your school catalog to see if competency-based credits are offered.		149
General	What is conditional acceptance?	Conditional acceptance is when a student meets many requirements for enrollment into a particular program, but must been certain criteria before being fully accepted into the program. For example, a student enrolling in masters degree program may have undergraduate prerequisites that must be completed.		150
General	What is a consortium?	A consortium is an association of two or more organizations working together toward a common goal.		151
General	What is a consortium agreement?	A consortium agreement between schools may allow students to take courses at a school other than their home school and have those courses count toward the degree or certificate at their home school, and continue receiving federal student aid.		152
General	What is consumer information?	Consumer information are the types of information that schools must provide or make available to students, applicants and employees in order to participate in federal student aid programs. The list is extensive and required by the Higher Education Opportunity Act.		153
General	What is continuing education?	Continuing Education commonly refers to units (CEU) required for certain professions to maintain certifications or licenses.		154
General	How can I get a copy of my enrollment agreement?	Contact your admissions office for a copy of your enrollment agreement.		155
General	What is an enrollment agreement?	An enrollment agreement outlines the details of your enrollment and may include your program, the date you will start school, the cost of the program, and institutional policies.		156
General	What is a correspondence course?	Correspondence courses are a form of distance learning where students are given expectations of what must be completed along with deadlines, but the student works independently, at their own pace.		157
General	Does my school offer correspondence courses?	Refer to your school catalog or speak to see if correspondence courses are offered.		158
General	Does my school offer online classes?	Refer to your school catalog or speak to see if online classes are offered.		159
General	What are online courses?	Online courses are a form of distance learning, offered through web based platforms instead of attending class face to face. There will likely still be regular lectures, discussions, assignments, and exams, similar to in person classes.		160
General	What is a DD214?	The DD214 is the Department of Defense form 214. It is the form, received at separation, that certifies a veteran's service.		166
General	How can I get a copy of my DD214?	To request an electronic copy of the DD241, submit a military records request through the milConnect website. Click here for more information https://www.va.gov/records/		167
General	What is DHS?	DHS stands for Department of Homeland Security. For more information on how federal agencies are used to determine eligibility for federal student aid, visit https://studentaid.ed.gov/		171
General	What is DOB?	DOB stands for date of birth.	What is the acronym for date of birth?	174
General	What is DOD?	DOD stands for Department of Defense. For more information on how federal agencies are used to determine eligible for federal student aid, visit https://studentaid.ed.gov/. DOD can also stand for Date of Determination which is the last date of attendance used when a student withdraws from an institution and is used to calculate the return to title IV.		175
General	What is ED?	ED stands for the U.S. Department of Education or Dept of ED. For more information, please click here https://www.ed.gov/	US Department of Education Department of ED DOE What is the DOE?	176
General	What is Enrollment Status?	Enrollment status typically refers to the number of hours a student is enrolled in for a particular term. A student can be enrolled full-time, three-quarter-time, half-time, or less-than-half-time.	my enrollment status	177
General	What is an ESL Program?	English as a Second Language	What is ESL?	178
General	What is E-sign?	E-Sign or electronic signature allows legal recognition of documents signed electronically.	What is e sign? What is esign?	179
General	What is FERPA?	Family Educational Rights and Privacy Act (FERPA) requires schools to keep a student's information private unless the student has given permission. There are some exceptions, such as directory information or parent's access for student's under 18. For more information, visit https://www2.ed.gov/policy/gen/guid/fpco/ferpa/index.htm	Family Educational Rights and Privacy Act	181
General	What is an FAO?	FAO is a financial aid officer. A financial aid officer is your point of contact throughout the financial aid process. They can answer questions, review your eligibility with you, or help you understand documents.		183
General	What is FSA?	FSA stands for Federal Student Aid. FSA is an Office of the US Department of Education. For more information, visit https://studentaid.ed.gov/	Federal Student Aid	185
General	What is Academic Probation?	Students must maintain Satisfactory Academic Progress (SAP) in order to continue attending school and receive federal student aid. Academic Probation means your academic progress is not meeting SAP requirements, and your continued attendance and/or financial aid eligibility could be lost. Please refer to your school catalog for SAP policies and speak with your academic and financial aid advisors to get back on track.	What happens if i fail SAP? academic probation	189
General	What is a Financial Aid Warning?	Students must maintain Satisfactory Academic Progress (SAP) in order to continue receiving federal student aid. Financial Aid Warning means your academic progress is in jeopardy of not meeting SAP requirements. Please refer to your school catalog for SAP policies and speak with your academic and financial aid advisors to get back on track.		190
General	What is a First-Time Borrower?	A first-time borrower is a student attending a post-secondary institution, taking out federal loans for the first time. The student may have attended college before, but never borrowed federal loans. First-time borrowers may have to attend 30 days of school prior to loans being disbursed to the school.	What is a first time borrower? 1st time borrower	191
General	What is a First-Time Student?	A first time student is a person who is attending a post-secondary institution for the first time. Historically, first time students have just graduated high school, but more and more first time students can be any age or level of experience.		192
General	What is a first time student?	A first time student is a person who is attending a post-secondary institution for the first time. Historically, first time students have just graduated high school, but more and more first time students can be any age or level of experience.	1st time student	192
General	What is a full time student?	A full-time student means the student is enrolled in and attending enough credit hours to be considered full-time. This may vary by program, but it is typically a minimum of 12 credit hours.	What is full time? am i full time?	196
General	What is half time?	A half-time student means the student is enrolled in and attending enough credit hours to be considered half-time. This may vary by program, but it is typically between 6 and 8 credit hours.	am i half time	197
General	What is three-quarter time?	A three-quarter-time student means the student is enrolled in and attending enough credit hours to be considered half-time. This may vary by program, but it is typically between 9 and 11 credit hours.		198
General	Where is my award letter?	Your school may send your award letter through mail, email or a link to a website. Contact your school's Financial Aid office if you think you should have an award letter and can't find it.		206
General	Is my file complete?	The file review process may take a couple of days to complete. Please refer to your Student Portal for updates. If you have additional questions related to your file status, please contact your financial aid administrator.		207
General	Where can I find my completed documents?	Many schools allow students to access their documents through their student portal. If you are unable to locate your documents there speak with the appropriate department to obtain a copy of the documents you seek.	Where can I get a copy of my documents? How can I get a copy of my documents?	209
General	How do I update my address?	You may be able to update your address on you profile in the student portal. If this section is disabled, you can contact your financial aid officer to update.	I need to update my address?	210
General	What is in-kind support?	Goods, services, or support provided instead of money.	What is in kind support? Whats in-kind? What's in kind	224
General	What is a module?	A module is a period of time within a term during which a student is able to take courses. Schools sometimes break up terms into the mini terms or sessions in order to offer more flexible programs.		230
General	What is nonterm?	Nonterm refers to programs that offer more flexibility than traditional program with flexible course length and start/end dates that may or may not overlap with a standard term dates. Nonterm programs can be more self-paced or independent study.	What is non-term	232
General	Do I qualify for state aid?	Many states have programs to help students with paying for college. Check with your school's financial aid office click here for more information. https://www.nasfaa.org/State_Financial_Aid_Programs	What is state aid?	237
General	Will financial aid cover study abroad?	Yes, in some cases your federal financial aid may be used to cover study abroad programs. Click here for more information https://studentaid.ed.gov/sa/types/international		238
General	What is unusual enrollment history?	The U.S. Department of Education has established guidelines for preventing fraud and abuse in the Federal Pell Grant program by flagging cases where students have received a Pell Grant at multiple institutions over the last three academic years. If you have been flagged for unusual enrollment history (UEH) contact the Financial Aid office at your institution so that they can help you.	What is UEH?	239
General	How can I meet with someone in financial aid?	You can make an appointment with your advisor to discuss any financial aid needs.	I need to meet with someone in financial aid office. Where can I make an appointment with financial aid advisor? Can I get financial aid counseling?	248
General	Does my school offer competency-based credits?	Refer to your school catalog to see if competency-based credits are offered.		250
General	What is a standard term?	A standard term is a traditional quarter, semester, or trimester. Quarters are 10-12 weeks long, semesters and trimesters are 15-17 weeks long.	A term What is a term? What is a semester? What is a quarter?	253
General	What does aid earned mean?	Students "earn" their financial aid by attending class. The percentage of aid you earn would be a pro-rated amount based on the date you stopped attending class.		256
General	What is less than half time?	A less-than-half-time student means the student is enrolled in and attending enough credit hours to be considered less-than-half-time. This may vary by program, but it is typically less than 6 credit hours. It is important to note that less-than-half-time students cannot receive federal direct loans for the term and grace period for repayment begins.	What is a half time student? What does it mean to go half time? am I less than half time?	258
General	I need money.	Your financial aid or business office can advise you of your loan options.	Give me money for school	259
General	When do I get my refund check?	Please contact your Accounting or Financial Aid Office for information on this process.	When do I get my stipend? When do I get my financial aid money? How do I get my refund from financial aid? Where is my FA check	261
General	What is a C flag?	Comment code is a numeric code on the Student Aid Report and ISIR that identifies data matches and issues on the student application. Each code corresponds to specific comment text for the award year. A C-Flag is a comment code that may require additional documentation to resolve an issue on the application.	What is a comment code? I got a C flag C' flag comment code C-code C code C' code	262
General	I want to cancel my loans,	Please contact your financial aid office to discuss canceling your loans and how to cover any remaining balance.	Can I cancel my loans? Is it possible to cancel my loans? Can i keep one, but cancel another loan?	263
General	How do I change programs?	Before changing your degree/major, it is recommended to follow these steps: Read and understand major descriptions in the school catalog. Talk with your Academic advisor. Discuss career options with a Career Services advisor. Submit your request.	How do I change my degree? How do I change my major? How do I change my minor?	264
Loan Repayment
Loan Repayment	What is default?	Default occurs when payment on a loan has become severely past due. For federal direct loans, a loan that is in repayment may be considered in default when no payment has been made for 270 days or more. It is important to make payments on time or make arrangements if you cannot pay. Your financial aid office can advise on repayment, deferment, or foreberance options. For more information about default, click https://studentaid.ed.gov/sa/repay-loans/default		014
Loan Repayment	What is loan forgiveness?	Loan forgiveness means that loan payment is no longer required. There are very limited circumstances where a loan may be forgiven. For more information, click https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation		025
Loan Repayment	What is a grace period?	A grace period is a set period of time, after you leave school or drop below half-time status, before payments are required. Not all loans have a grace period and some loans accrue interest during the grace period. For more information, click https://studentaid.ed.gov/sa/repay-loans/understand#grace-period		026
Loan Repayment	What is deferment?	A deferment is a temporary period of time where loan payments are not required. You must apply and receive approval of a deferment before you stop making payments. For more information on deferment options, visit https://studentaid.ed.gov/sa/repay-loans/deferment-forbearance		027
Loan Repayment	What is forbearance?	A forbearance is a temporary period of time where loan payments can be reduced or stopped. You must apply and receive approval of a forbearance before you reduce or stop making payments. For more information on deferment options, visit https://studentaid.ed.gov/sa/repay-loans/deferment-forbearance		028
Loan Repayment	What is a lender?	The lender is an organization that initially originates the education loan. The lender could be the U.S. Department of Education, the borrower's school, or a lending institution. For more information on lenders, visit https://studentaid.ed.gov/sa/types/loans		029
Loan Repayment	What is loan consolidation?	Consolidation is the process of combining multiple loans into one. For more information, click https://studentloans.gov/myDirectLoan/launchConsolidation.action	What is consolidation? What's consolidation? Whats consolidation?	033
Loan Repayment	What is a default rate?	Default rate refers to the percentage of students who have defaulted on their federal student loans for a cohort group at a particular school. Default rates are calculated each year.	What's the default rate? whats default rate?	036
Loan Repayment	What is discretionary income?	Discretionary income is utilized as part of calculating repayment options for federal student loans. For more information, visit https://www.studentloans.gov and select repayment for additional options.		045
Loan Repayment	What is loan rehabilitation?	Loan rehabilitation is a one-time opportunity to clear the default on a defaulted federal education loan and regain eligibility for federal student aid. If you redefault on the loan, you will not be able to rehabilitate the loan a second time. If a judgment has been obtained on the defaulted loan, it is not eligible for rehabilitation.	loan rehab what is a loan rehab? loan rehabilitation	083
Loan Repayment	What is a loan servicer?	Loan services collect payments on loans and handle other administrative functions necessary for maintaining a loan.		084
Loan Repayment	What is outstanding interest?	Outstanding interest is the dollar amount of the accrued interest balance on your loan.		096
Loan Repayment	What is a repayment date?	The repayment date is the date you are obligated to begin repaying of the principal and interest on your loan.		103
Loan Repayment	What is a fixed interest rate?	A fixed rate means that the interest rate will remain the same for the life of your loan.		193
Loan Repayment	What is a variable interest rate?	A variable rate means that the interest rate will change, or vary, throughout the life of your loan.		194
Loan Repayment	What is the interest rate on my loans?	You should contact your lender to determine the interest rate for your loan. Information on Federal Direct Loans can be found at https://studentaid.ed.gov/sa/types/loans/interest-rates#what-interest	What is my interest rate?	195
Loan Repayment	What if I can't make my payment?	You may qualify for a forbearance or deferment, which allow you to temporarily reduced or stop payments. You must apply and receive approval before you reduce or stop making payments. For more information on deferment options, visit https://studentaid.ed.gov/sa/repay-loans/deferment-forbearance	I can't pay on time What happens if I don't have enough to pay my bill?	201
Loan Repayment	What is an interest only payment?	Certain loans earn interest while you are in school. You may choose to make small payments on the interest that accrues each month. This is a good way to get into the habit of making on time monthly payments and it also keeps the original amount (principal) borrowed from growing while you are in school. Interest only payments can be made on federal, institutional, and private loans. Speak with your Financial Aid Office if you are interested in learning more about interest only payments while you are in school.		226
Loan Repayment	What if I can't make a payment?	You may qualify for a forbearance or deferment, which allow you to temporarily reduced or stop payments. You must apply and receive approval before you reduce or stop making payments. For more information on deferment options, visit https://studentaid.ed.gov/sa/repay-loans/deferment-forbearance Do not ignore or miss payments without contacting student aid. There are options.	What if I can't pay this month? What if I don't have enough to pay back my loans this month? I lost my job and can't pay	251
Packaging
Packaging	What is an award letter?	An award letter provides information related to the cost of your education for an academic year along with the financial awards you may receive during that academic year. These awards may include grants, scholarships, loans, or work study. You have the option to accept or decline some or all of the awards. Contact your financial aid office for more information.	How much am I awarded?	022
Packaging	What is a disbursement?	A disbursement is a single payment of a financial aid award. This is typically one half or one third of the total award.		043
Packaging	What is a disbursement date?	A disbursement date is the date a disbursement is paid to the school.		044
Packaging	What does merit-based mean?	Merit based aid is financial aid that is awarded based on factors other than financial need such as academic merit, talent, community service, etc.		087
Packaging	What is a scheduled award?	The amount of an award which would be paid to a full-time (or at least half-time) student for a full academic year. Please see your award letter for scheduled awards and contact your financial aid administrator for questions related to scheduled amounts or awards.	What is a scheduled amount?	108
Packaging	What is a Financial Aid Package?	A Financial Aid Package is the collection of different types of aid sources that are available to you after submitting your application for Financial Aid. Generally, your school will provide this information to you through a letter or by sending you a link to the information on your school's portal.	What is my award package?	188
Payments	What is the payment due date deadline?	Your financial aid or business office can advise you of your payment schedule.	When is my payment due? Is my payment late? Is my payment due?	008
Payments
Payments	What is an electronic debit?	Electronic debit is a way to transfer money (make a payment) electronically.		048
Payments	What is ACH?	ACH stands for Automatic Clearing House and is a way to transfer money (make a payment) electronically.		049
Payments	What is an over payment?	An over payment occurs when funds disbursed to a student are in excess of their need.	What is an overpayment?	097
Payments	What is a credit balance?	A credit balance can occur if more money is paid to your account is more than the charges.		161
Payments	What is a Title IV credit balance?	A Title IV credit balance can occur if the Title IV (federal student aid) paid to your account are more than the amount of tuition and fees for a given term or academic year. If this occurs, you may have options for how you want the school to handle this balance. Speak to your financial aid officer about your options		162
Payments	Can I set up automatic payments?	You school may offer the ability to set up automatic payments for tuition and fees. Look at the Student Accounts or Bursar's section of your school's website for specific options at your institution.		231
Payments	What are available payment methods?	Your school may accept many different forms of payments such as cash, checks, credit cards, payment plans and financial aid. Look at the Student Accounts or Bursar's section of your school's website for specific options at your institution.	can I pay with cash? Can I pay with credit card? Can I pay with ACH? Can I pay by check? Can I pay with Paypal? Can I pay with ApplePay? Can I pay with bitcoin?	235
Payments	Do I qualify for loans?	Your financial aid or business office can advise you of your payment schedule.	Can I get loans? Can I get a loan with bad credit?	236
Payments	What happens to my aid if I withdraw?	If you withdraw from any or all of your classes your Financial Aid will be impacted. You may be expected to return funds or start repayment of loans. Please contact your Financial Aid office.		241
Scholarships
Scholarships	Are there scholarships available specifically for students in this major?	The four main sources for financial aid are the federal government, the state government, postsecondary institutions, and private organizations. The types of aid are: Federal Aid which consists of Grants, Scholarships, Loans, and Work-Study Funds State Aid where state governments offer grants, scholarships, work-study funds, state loans and tuition assistance. Institutional Aid which consists of aid that individual colleges and universities provide to their students. Private Aid which is typically in the form of loans and scholarships or private financial aid which comes from corporations, religious organizations, cultural organizations, professional and service organizations, and more.		004
Scholarships	What is athletically related student aid?	This would be scholarship, grant, or other financial aid dependent upon the student to participate in an intercollegiate athletic program at the institution. Speak with your Financial Aid Office on any opportunities that may be available.	What are sports scholarships? Are there sports scholarships? Is there aid for student athletes?	124
Scholarships	Do you offer scholarships?	Scholarships are financial aid awards designed to help students pay for an undergraduate degree. Sometimes a scholarship is a one-time check. Other school scholarships are renewable and provide money for students each semester or school year. These awards differ from student loans in that they don't have to be repaid. Also see: [Student Aid](https://studentaid.ed.gov/sa/)		245
Verification
Verification	What is Adjusted Gross Income?	Adjusted Gross Income (AGI) is calculated on your tax returns by subtracting allowable adjustments from your total income. For more information, click https://www.irs.gov/e-file-providers/definition-of-adjusted-gross-income	What is AGI?	013
Verification	What is V1?	V1 is standard Verification tracking. The following FAFSA items will be validated during this process: Adjusted Gross Income U.S. Income Tax Paid Untaxed Portions of Individual Retirement Account (IRA) Distributions Untaxed Portions of Pensions IRA Deductions and Payments Tax Exempt Interest Income Education Tax Credits Income Earned from Work Number of Household Members Number in College	I have been flagged for V1. What do I do if I have been selected for V1? What is verification group 1? I have been selected for V1 verification What do I need to do for V1?	114
Verification	What is Verification?	Verification is the process your school uses to confirm that the data reported on your FAFSA form is accurate. If you’re selected for verification, your school will request additional documentation that supports the information you reported.		113
Verification	What is V4?	V4 is custom Verification tracking. The following FAFSA items will be validated during this process: High School Completion Status Identity/State of Educational Purpose Number of Household Members Number in College	What is verification group 4? I have been selected for V4 verification What does it mean to be flagged for V4? What do I do if I have been selected for V4? What do I need to do for V4?	115
Verification	What is V5?	V5 is aggregate Verification tracking. The following FAFSA items will be validated during this process: Adjusted Gross Income U.S. Income Tax Paid Untaxed Portions of Individual Retirement Account (IRA) Distributions Untaxed Portions of Pensions IRA Deductions and Payments Tax Exempt Interest Income Education Tax Credits Income Earned from Work Number of Household Members Number in College High School Completion Status Identity/State of Educational Purpose	What is verification group 5? I have been selected for V5 I have been flagged for V5 verification	116
Verification	Do I need my tax return?	To obtain a copy of your taxes visit the IRS website at https://www.irs.gov/individuals/get-transcript	I need my tax return? Where can I get my taxes?	204
Verification	Do my parents need their tax return?	Your parents can request a copy of their taxes from the IRS website at https://www.irs.gov/individuals/get-transcript	My parent needs their tax return?	205
Verification	What is a Verification Worksheet?	If you are selected for Verification, you are not alone. The Department of Education selects 30% of the student poplution for Verification. The Verification Worksheet is part of the verifying process. It validates information related to your household, tax filing status, and/or educational certification and purpose. For more information related to Verification, please contact your financial aid adminstrator and be on the lookout for information from your school.		208
Verification	How long does this verification take?	Once you receive notification of the documents required for verification, you can speed up the process by submitting your documents as quickly as you can. It may take some time for your school to review your documents, and they may reach out to you for clarification or additional information. Don't worry! We know it seems like a lot, but stay patient and respond quickly, and it will be done before you know it.		211
Work Study
Work Study	Are there work study positions available?	Refer to your school catalog or speak to a financial aid officer to see if Federal Work Study is available at your school.		007
Work Study	What is Federal Work Study?	Federal Work Study is a type of need-based federal aid. Schools can post jobs which allow students to gain work experience while helping cover the cost of education. There are also academic standards that must be met to remain eligible for these positions.		060
Work Study	Does my school have a Federal Work Study Program?	Refer to your school catalog or speak to a financial aid officer to see if Federal Work Study is available at your school.		061
Work Study	Are work-study earnings taxable?	Yes. Federal work-study earnings are taxable and should be reported when you file your taxes.	Are workstudy earnings taxable? Am I taxed on FWS wages? Are FWS earning taxable?	218
Work Study	Are there Federal Work-Study positions available?	Once you start school, you can find work-study jobs through postings by the Financial Aid and/or Career Services offices.	Where can I find on campus jobs? What kind of jobs are available on campus? Can I work while in school? Can I work at the college? Can I work for the university? What kind of workstudy positions are available? Are there workstudy jobs available?	247

Academic Year

What is an academic year?

An academic year is period of time to measure academic progress and award financial aid. The length of an academic year is based on academic credit hours or clock hours and on the number of weeks to complete those hours. Refer to your school's catalog for the academic year length for your program of study.

AY?
What is an AY?

012

Academic Year

What is BBAY?

Borrower-Based Academic Year

What is a borrower based academic year?

126

Academic Year

What is SAY?

A Scheduled Academic Year (SAY) is traditional academic calendar typically including the fall through spring. You may refer to your school's handbook for the published schedule.

What is a standard academic year?
What is a scheduled academic year?

127

Academic Year

What is a crossover payment period?

A crossover payment period means an academic year starts before June 30 and ends after July 1, so it starts in one award year and ends in another. The payment period that straddles this line is called a crossover payment period. Pell grants and other awards may be awarded from either award year based on institutional policy.

164

Academic Year

What is a payment period?

An academic year is divided into payment periods. Depending on the program, an academic year may have two or three payment periods. A payment period is often the term, but for some programs, the payment period may simply be half of the academic year. Payment periods are used to divide financial aid awards over the academic year. Your award letter will show you the payment period dates and award amount for each period.

what is a payment .

165

Accreditation

Is my school accredited?

You can find out of your school is accredited by visiting https://ope.ed.gov/dapip/#/home">https://ope.ed.gov/dapip/#/home

How can I find out if my school is accredited?
Is my college accredited?
Is my university accredited?

002

Accreditation

What is Accreditation?

Accreditation is a term used to describe the process that institutions of higher education undergo to confirm they meet the strictest educational standards. Accreditation is earned through accrediting bodies, which are private, nongovernmental organizations that have been created specifically to review higher education institutions and programs. These accreditors are reviewed for quality by entities such as the Council for Higher Education Accreditation (CHEA) or the United States Department of Education (USDE), and they are held to extremely high quality standards of their own

Why does a school need to be accredited?
Is it necessary for a school to be accredited?

003

Applying for Aid

What is the Financial Aid process?

The first step in the financial aid process is to complete the Free Application for Federal Student Aid (FAFSA). This will help determine your eligibility for federal student aid. To complete the FAFSA, go to: https://studentaid.ed.gov/sa/fafsa. You can also read more on the financial aid process on this site.

How do I apply for financial aid?
What is financial aid?
How do I get financial aid?

001

Applying for Aid

What is an Award Year?

The federal aid award year runs from July 1 -June 30 each year. If you want to use federal aid, you must complete your FAFSA each year in order for your school to determine your eligibility.

018

Applying for Aid

What is college aid?

Institutional aid is awards offered from the institution you attend. This financial aid need or may be considered non-need based. Please see your financial aid administrator for additional questions related to institutional aid.

031

Applying for Aid

What is dependency status?

Dependency status is based on your answers to specific questions on the FAFSA and determine whether parent information is required to determine eligibility for federal student aid. For more information and see a list of dependency questions, visit https://studentaid.ed.gov/sa/fafsa/filling-out/dependency

038

Applying for Aid

What is early action?

Taking steps to apply for college is important. The early action process consists of you applying to your college of choice and receiving a decision prior to the normal college deadlines.

046

Applying for Aid

What is an early decision?

Taking steps to apply for college is important. The early decision process consists of you applying to your college of choice and committing to that institution. Way to go! Please be sure to visit your institution's site and complete the remaining documents needed for enrollment and financial aid, where applicable.

047

Applying for Aid

What is an eligible non-citizen?

A person is generally considered an eligible non citizen if they are in the U.S. for other than a temporary purpose with the intention of becoming a citizen or lawful permanent resident, as evidenced by the United States Citizenship and Immigration Services (USCIS) in the Department of Homeland Security (DHS).

eligible non-citizen
eligible noncitizen
citizen not eligible

050

Applying for Aid

What is an emancipated minor?

A minor who has been release from the control of their parent or legal guardian as determined by a court in the state of the student's legal residence at the time of the ruling.

051

Applying for Aid

What is the FAFSA form?

The Free Application for Federal Student Aid (FAFSA) is the application used to determine a student's eligibility for federal student aid. To complete the FAFSA or learn more about the process visit https://studentaid.ed.gov/sa/fafsa

What is FAFSA on the web?
What is FAFSA?
Where do I fill out my FAFSA?

055

Applying for Aid

What is a Federal School Code?

This number is a unique 6 character code for institutions participating in federal student aid programs. On the FAFSA you can search for schools by entering the state and school name if you don't know the Federal School Code.

057

Applying for Aid

What is my school's Federal School Code?

On the FAFSA you can search for schools by entering the state and school name if you don't know the Federal School Code.

058

Applying for Aid

What is a federal student aid pin?

The FSA ID is used to verify your identity to access information and sign documents related to your federal student aid account. The FSA ID should never be shared. You can apply for your FSA ID by visiting https://fsaid.ed.gov/npas/index.htm

059

Applying for Aid

What is an FSA ID?

The FSA ID is used to verify your identity to access information and sign documents related to your federal student aid account. The FSA ID should never be shared. You can apply for your FSA ID by visiting https://fsaid.ed.gov/npas/index.htm

066

Applying for Aid

What is an independent student?

Dependency status is based on your answers to specific questions on the FAFSA. An independent student does not have to include parent information to determine eligibility for federal student aid. For more information and see a list of dependency questions, visit https://studentaid.ed.gov/sa/fafsa/filling-out/dependency

Am I an independent student?

072

Applying for Aid

What is an LEU?

LEU stands for Lifetime Eligibility Used. LEU is the sum of all annual Eligibility Used (EU) percentages for Pell Grant and Iraq & Afghanistan Service Grant recipients.

What is Lifetime Eligibility?
Lifetime eligibility used

077

Applying for Aid

Who is my loan servicer?

Visit My Federal Student Aid at https://www.studentaid.ed.gov (be sure to login) to view information about all of the federal student loans you have received and to find contact information for the loan servicer or lender for your loans.

085

Applying for Aid

What does need-based mean?

Need-based means that your award is based on financial need. The FAFSA is generally used to determine need when evaluating Federal, State, and Institutional Aid awards.

need based mean

090

Applying for Aid

What is a professional judgement?

A professional judgment (PJ) or a special circumstance is considered a request from a student to review the current situation when determining financial aid eligibility. An aid administrator may use a PJ on a case-by-case basis only to adjust the cost of attendance or the data used to calculate the EFC. Documentation is required to support the request. Please contact your financial aid administrator for additional information.

What is a pj?
What is a special circumstance?
my parents wont help me
my parents cannot help me
my parents won't help me

168

Applying for Aid

What is a dependency override?

A dependency override is an action a financial aid administrator may take to change a student's status for federal student aid from dependent to independent (the reverse is not permitted). There must be unusual circumstances to warrant an override, and the FAA must document those circumstances in the student's file.

169

Applying for Aid

What is a dependent student?

Dependency status is based on your answers to specific questions on the FAFSA. Dependent students must provide parent information to determine eligibility for federal student aid. For more information and see a list of dependency questions, visit https://studentaid.ed.gov/sa/fafsa/filling-out/dependency

Am I a dependent student?
What are dependents?

170

Applying for Aid

What are disclosures?

This is a document that provides loan information, such as disbursement amounts, disbursement dates, and fees. This is provided to you before or at the time of your first loan disbursement.

173

Applying for Aid

What is failure to register?

To determine eligibility for federal student aid, there are some requirements related to Selective Service. To learn more about Selective Service requirements, how to register, and exemptions, visit https://www.sss.gov/

What is failure to register for selective service?

180

Applying for Aid

What is household size?

Household size refers to the number of individuals, including yourself, who will receive more than half of their financial support from you (or your parents if dependent) for a particular award year.

I take care of my sister can I claim her on my verification worksheet
I take care of my brother
I take care of my parents
I take care of my mom
I take care of my dad
can I claim my cousin on the fafsa
can i add my sister to my household?

182

Applying for Aid

What is a Financial Aid Appeal?

If you have a change in your financial situation after you completed your application for Financial Aid you may be able to request an appeal. Contact you school's Financial Aid office to find out their policy for appeals.

187

Applying for Aid

What is grade level progression?

In order to continue to be eligible for Federal Financial Aid, a student must be making progress towards completion of a degree. In some cases that means earning enough credits to be considered in the next grade level. Your school will define the rules to progress to the next grade level. You should know that your grade level also impacts the amount of money you may be eligible for in loans and grants.

199

Applying for Aid

What is an ISIR?

An Institutional Student Information Record (ISIR) is the copy of your FAFSA information sent to the schools you listed. This will look similar to your Student Aid Report (SAR). The ISIR will tell the school if you are selected for verification or if there are any other areas that need documentation. Once you provide the school with all the documentation needed, they can finalize your financial aid awards.

202

Applying for Aid

How do I correct my FAFSA?

You can make updates to your FAFSA by logging in to https://FAFSA.gov with your FSA ID. Once you are logged in click on Make FAFSA Corrections. You can also work with your school's Financial Aid office to update your FAFSA.

I need to correct my FAFSA?

203

Applying for Aid

What if my parent is also attending school?

Having a parent attending college at the same time as you will impact your Federal Financial Aid if you are considered a dependent student. After you fill out your FAFSA you may want to check with your school's Financial Aid Office for more details about your specific situation.

I have a parent in school?

212

Applying for Aid

What if I have a sibling in school?

Having a sibling attending college at the same time as you will impact your Federal Financial Aid. After you fill out your FAFSA you may want to check with your school's Financial Aid Office for more details about your specific situation.

I have a sibiling in school?

213

Applying for Aid

I worked, but did not file taxes.

All students who apply for Federal Financial Aid must file a FAFSA. However, not all students are required to file taxes in order to fill out a FAFSA. To complete the FAFSA or learn more about the process visit https://studentaid.ed.gov/sa/fafsa

I have not filed taxes
I have not filed my taxes

214

Applying for Aid

Do I have to reapply for financial aid every year?

The federal aid award year runs from July 1 -June 30 each year. If you want to use federal aid, you must complete your FAFSA each year. Students can start filling out the FAFSA beginning on October 1st of the year before they are applying for Federal Financial Aid. Check with your school's Financial Aid office for school specific deadlines.

215

Applying for Aid

How do I apply for Pell grant?

The Free Application for Federal Student Aid (FAFSA) is the application used to determine a student's eligibility for federal student aid. To complete the FAFSA or learn more about the process visit https://studentaid.ed.gov/sa/fafsa

216

Applying for Aid

Where can I get information about Federal student financial aid?

The Free Application for Federal Student Aid (FAFSA) is the application used to determine a student's eligibility for federal student aid. To complete the FAFSA or learn more about the process visit https://studentaid.ed.gov/sa/fafsa

how do I do my fafsa?

217

Applying for Aid

Where can I get a copy of the FAFSA?

Once your FAFSA form or FAFSA correction has been processed, you can get a copy of your SAR by logging in to fafsa.gov using your FSA ID and selecting the “View or Print your Student Aid Report (SAR)" option near the middle of the “My FAFSA" page; or contacting the Federal Student Aid Information Center at 1-800-4-FED-AID (1-800-433-3243; TTY for the deaf or hard of hearing 1-800-730-8913) and requesting a copy be sent to you via U.S. mail (allow 10–14 days for delivery).

219

Applying for Aid

When can I renew my FAFSA?

Students can start filling out the FAFSA beginning on October 1st of the year before they are applying for Federal Financial Aid. Check with your school's Financial Aid office for school specific deadlines.

220

Applying for Aid

Am I required to file taxes every year?

All students who apply for Federal Financial Aid must file a FAFSA. However, not all students are required to file taxes in order to fill out a FAFSA. To complete the FAFSA or learn more about the process visit https://studentaid.ed.gov/sa/fafsa

I am not required to file?

221

Applying for Aid

I forgot to sign my FAFSA

If you did not electronically sign your FAFSA during submission you may print a signature page and mail it in afterwards. You are also able to log back into your FAFSA with your FSA ID to provide an electronic signature. Remember that your Financial Aid application cannot be fully processed without your signature.

222

Applying for Aid

My parent forgot to sign the FAFSA

A parent can create their own FSA ID in order to electronically sign their child's FAFSA application. A parent can also print the signature page, sign it and mail it to the address on the FAFSA website.

223

Applying for Aid

Can I get a loan if I have a bankruptcy?

This depends on the type of loan program and the type of bankruptcy. You should contact the Financial Aid office at your school to find out more about getting loans after bankruptcy.

228

Applying for Aid

What is untaxed income?

Any income that is earned by a student or their parents which does not appear on a Federal tax return.

240

Applying for Aid

How do I register for selected service?

The Department of Education requires that all (male) students seeking Federal financial aid be registered for Selective Service, as this is a general requirement for all male citizens within the United States between the ages of 18 and 25.

Do I need to register for selected service?

242

Applying for Aid

What kind of financial aid is available?

The four main sources for financial aid are the federal government, the state government, postsecondary institutions, and private organizations. The types of aid are:

Federal Aid which consists of Grants, Scholarships, Loans, and Work-Study Funds
State Aid where state governments offer grants, scholarships, work-study funds, state loands and tuition assistance.
Institutional Aid which consists of aid that individual colleges and universities provided to their students.
Private Aid which is typically in the form of loans and scholarships or private financial aid which comes from corporations, religious organizations, cultural organizations, professional and service organizations, and more.

246

Applying for Aid

I am a new mom

In some cases, unborn children may be included in household size. Please contact your financial aid officer to discuss your situation.

I'm pregnant. can i include my baby on my verification worksheet

260

Applying for Aid

Are food stamps taxable income?

Food stamps and other government assistance programs are not taxable income.

Am I taxed on food stamps?
Are SNAP benefits taxable?

265

Attendance

What is an LDA?

Your Last Date of Attendance (LDA) is the last day you attended your classes.

What is the last date of attendance?
What is the last day of attendance?
How is there an LDA when my professor does not take attendance?

227

Attendance

What is a leave of absence?

A period of time when a student stops attending school with the intent to return to their studies at a later date. A leave of absence may impact academic progression, financial aid and other things. Students are encouraged to meet with someone at their institution in either the Dean of Student's office or the Finanical Aid office prior to leaving school.

What is an LOA?
LOA?

229

Collections

What is a collection agency?

A collection agency is a 3rd party that may be hired by your school to collect payments owed to the school. Collection agencies are commonly used for balances that are past due. It is important to make your payments on time.

021

Collections

What is a collection cost?

If your account is past due and sent to collections, the school must pay the collection agency for their services. The collection fee is added onto the amount you owe. It is important to make your payments on time.

What is a collection fee?
What is a collection fee?
What are collection fees?
Whats a collection fee?
What's a collection fee?
What are collection costs?

030

Collections

What does it mean to be delinquent?

Delinquency means payments are past due. Delinquency can refer to payments you owe to your school or payments due to a lender.

037

Collections

What is wage garnishment?

When you default on Federal Student Loan payments the government may take a certain percentage of your paychecks to settle the debt.

What is garnish my wages?

252

Education Credential

What is an Associate Degree?

An Associate's degree is an undergraduate degree typically completed in 2 years.

016

Education Credential

What is a Bachelor's Degree?

A bachelor's degree is an undergraduate degree typically completed in 4 years.

019

Educational Cost

What are the tuition and fees?

Tuition is the cost for your courses. Fees can be charged based on a specific situation. For example, all students may be charged an application or registration fee, but a technology fee or equipment fee may be specific to a program or course. Your financial aid officer can review the tuition and fees for your program of study.

What is tuition?
What are fees?
What's tuition?
Whats tuition?
How much does it cost per semester?
How much does it cost per term?
What is the tuition?
What are the fees and tuition for my degree?

005

Educational Cost

How can I afford school?

There are many options to help you afford to go to college. A few of the common ones are:

Scholarships - There are many scholarships available to college students that can assist with the offset of college costs.
State Aid - Many states have college funding programs.
Grants - Grants are free money that do no have to be repaid.
Loans - Student loans are real loans that need to be repaid with interest after graduation.
Work-study - A work-study job gives you the opportunity to earn money to help pay your educational expenses.

006

Educational Cost

What is cost of attendance?

The cost of attendance (COA) is not the bill that you may get from your college; it is the total amount it will cost you to go to college each year. The COA includes tuition and fees; on-campus room and board (or a housing and food allowance for off-campus students); and allowances for books, supplies, transportation, loan fees. Please refer to your institution for additional details related to your cost of attendance.

What is COA?
How much does it cost to attend?
How much does my degree cost?
What is the cost of my program?

010

Educational Cost

What is a budget?

A budget helps compare your income to your expenses to help make decisions and ensure your bills can be paid. To calculate your budget, visit https://mappingyourfuture.org/money/budgetcalculatorInt.htm

020

Educational Cost

What is a direct cost?

Direct Costs are charged by your school and can be seen on your student account record. These are usually tuition and applicable fees. If you live on campus, direct costs may include room and board.

What are direct costs?
what's direct costs?
whats indirect costs?

034

Educational Cost

What is financial need?

Financial Need is the difference between the Cost of Attendance (COA) and Expected Family Contribution (EFC). The figure is used to determine the total amount of need-based aid a student may receive for an academic year.

065

Educational Cost

What is indirect cost?

Indirect Costs are not charged by the school, but are included in your overall cost of attendance. These include room and board if you live off-campus or with your parents, transportation costs to and from school, and personal expenses.

What are indirect costs?
What's indirect costs?
whats indirect costs?

073

Educational Cost

What is net price?

The net price is defined as the cost of attendance minus the average yearly grant and scholarship aid, and all Title IV schools that enroll full-time, first-time degree- or certificate-seeking undergraduate students must have on their website a net price calculator.

091

Educational Cost

What is a net price calculator?

The net price calculator is an online tool that provides estimated net price information for current and prospective students and based, as much as possible, on their individual circumstances.

092

Educational Cost

What is outstanding principal?

Outstanding principal is the remaining balance of your loan.

095

Educational Cost

What is room and board?

Room and board is considered an indirect cost, when calculating the cost of attending a school. This cost may be in addition to tuition and other fees, but is common associated with the student’s housing situation (for example, a dorm room) and their meals. Please contact your financial aid administrator for additional information related to room and board.

106

Educational Cost

What is an automatic zero EFC?

A zero Estimated Family Contribution (EFC) means that the family has no means of contributing to the cost of education. This number is determined by information provided on the Free Application for Federal Student Aid (FAFSA). In some cases the full calculation is bypassed based on a predetermined set of criteria. This bypass is called an automatic zero EFC.

What is an automatic EFC?
0 EFC

125

Educational Cost

Will financial aid cover my housing?

Yes. It is possible that financial aid may assist in covering the cost of housing and living expenses. Contact your Financial Aid Office for questions on your specific needs.

Will financial aid cover my dorm?
Will financial aid pay for my housing?
Can I get help with living expenses?

266

Educational Cost

Will financial aid cover my books?

In some cases financial aid may be able to assist in the cost of your books or other school supplies. Contact your Financial Aid Office for questions regarding your specific needs.

Will financial aid cover the cost of my books?
Can i get help with the cost of my books?
Does financial aid cover school supplies?
Can i get help with school supply costs?
Will financial aid help with books and school supplies?

267

Educational Grant

What is the Federal Pell Grant?

Federal Pell Grant is a type of need-based aid for undergraduate students that does not have to be repaid, except in limited circumstances. For additional information, click https://studentaid.ed.gov/sa/types/grants-scholarships/pell

What is Pell?
Can I get Pell?

056

Educational Grant

What is a grant?

A grant is commonly referred to as "Gift-Aid" because it does not have to be paid back. Grants are typically need-based. For more information visit https://studentaid.ed.gov/sa/types/grants-scholarships

069

Educational Grant

What is Title IV?

This is federally funded aid. It includes Federal Pell Grant, Federal Supplemental Educational Opportunity Grant, Federal Loans and other resources. For more information on TIV funds visit https://studentaid.ed.gov/sa/types

What is TIV?
What is federal aid?
Title IV?
Title 4

119

Educational Grant

What is FSEOG?

Federal Supplemental Educational Opportunity Grant (FSEOG) is a need based grant for undergraduate students that does not have to be repaid. Schools have a limited amount of FSEOG to award each year, and it is awarded to students with the highest need.

186

Educational Grant

What is a scholarship?

A grant is commonly referred to as "Gift-Aid" because it does not have to be paid back. Grants are typically need-based. For more information visit https://studentaid.ed.gov/sa/types/grants-scholarships

249

Educational Grant

What is the TEACH grant?

Teacher Education Assistance for College and Higher Education (TEACH) Grant is a grant for students in certain teaching certificate programs. If you are enrolled in an eligible program and your school participates in the TEACH Grant program, there are additional requirements that must be met in order to be eligible for the grant. Further, there are employment requirements that must be met after graduation or the grant will be converted into a loan that must be repaid.

Teach grant?

254

Educational Loan

What is a loan?

Loans can be used to help cover the cost of education and must be repaid. There are several types of loan options. The department of education offers Subsidized Direct Loans, Unsubsidized Direct Loans, Parent PLUS Loans, Graduate PLUS Loans. There are also several options for private loans. Your financial aid officer can discuss the types of loans available based on your situation.

Do I need a loan?
Do I have to take out loans?
What's a loan?
Whats a loan?

017

Educational Loan

What is a loan principal?

Loan principal is the amount you owe, not including interest charges.

What is principal?
What's principle?
Whats principle?

023

Educational Loan

What is interest?

Interest is charged by a lender when you borrow money. A loan disclosure will provide the interest rate, which is a percentage of the loan balance.

024

Educational Loan

Can I get a PLUS loan if I am a graduated or professional student?

The US Department of Education offers a Graduate PLUS loan for eligible students at participating schools. Your financial aid office can advise if a Graduate PLUS loan is an option for you. For more information click https://studentaid.ed.gov/sa/types/loans/plus/grad-professional

040

Educational Loan

What is a direct subsidized loan?

Federal Direct Unsubsidized Loans are available for Undergraduate and graduate students. Students do not have to demonstrate financial need for this type of loan. For more information on subsidized loans visit https://studentaid.ed.gov/sa/types/loans/subsidized-unsubsidized.

041

Educational Loan

What is a PLUS Loan?

PLUS loans are available for graduate and professional students as well as parents of dependent undergraduate students to assist in educational expenses. These loans are not need based loans, but do require a credit check. For more information on PLUS loans visit https://studentaid.ed.gov/sa/types/loans/plus

042

Educational Loan

What is an endorser?

An individual who agrees to pay the loan if the borrower fails to do so.

052

Educational Loan

What is entrance counseling?

Students who have not previously utilized student loans are required to receive counseling on loan terms, loan conditions and debt management prior to receiving their first Direct Loan payment. Entrance Counseling is provided at https://studentloans.gov/myDirectLoan/counselingInstructions.action

053

Educational Loan

What is exit counseling?

Schools participating in federal education loan programs must provide information about loan terms and conditions and debt management to student borrowers. Exit Counseling places emphasis on preparation for repaying student loans. Counseling should take place shortly after a student graduates, leaves school or is no longer attending at least half time. Exit Counseling is provided at https://studentloans.gov/myDirectLoan/counselingInstructions.action

054

Educational Loan

What is a loan date?

The date your loan was booked or originated with Common Origination and Disbursement (COD). You should receive correspondence from the lender and your institution regarding your loan. Please review the disclosures and your award letter for additional details.

What is my loan origination date?

078

Educational Loan

What is a loan holder?

The organization that owns a loan. Most federal student loans (not private loans) are serviced by the U.S. Department of Education. For more information, contact your financial aid administrator.

079

Educational Loan

What is a loan period?

A loan period is the time frame for which loans are awarded, which is commonly an academic year.

080

Educational Loan

What is a loan period begin date?

Visit My Federal Student Aid at https://www.studentaid.ed.gov (be sure to login) to view information about all of the federal student loans you have received and to find contact information for the loan servicer or lender for your loans.

081

Educational Loan

What is a loan period end date?

A loan period end date is the last day of a loan period.

082

Educational Loan

What is an MPN?

A Mastery Promissory Note (MPN) is an agreement to pay back your student loan. It also outlines the terms and conditions of your loans. You can learn more about the MPN and fill it out at https://studentloans.gov/myDirectLoan/launchMpn.action?mpnType=subUnsubMpn It is important to make your payments on time!

What is a master promissory note?
What is a promissory note?

086

Educational Loan

What is a private loan?

A loan provided by a private educational lender that is not a federal student aid loan and that is issued expressly for postsecondary education expenses to a borrower.

098

Educational Loan

What is total borrowed?

The total amount borrowed for attending school from all loan types and all years attended.

110

Educational Loan

What is an annual loan limit?

There are maximum amounts of Federal Subsidized and Unsubsidized Loans you are eligible to take out. These are called annual loan limits. These limits are based on a number of things including dependency status and grade level. Your school will determine your overall eligibility for these loans and the amount you are able to receive. To learn more about annual loan limits visit https://studentaid.ed.gov/sa/types/loans/subsidized-unsubsidized

How much can i borrow?
What is the maximum amount i can take out in loans?
What is the most I can borrow?
What is the max i can borrow?

122

Educational Loan

What is a credit check?

A credit check may be performed when applying for PLUS loans or private loans.  This means your credit history will be evaluated to see if you meet the requirements for the respective lender.  Your financial aid office will not see your credit report, only the decision from the lender.

Why do I need to check my credit?
Why do you need to check my parent's credit?
Will the school see my credit report?
Will the school see my credit history?

163

Educational Loan

What is a FFLEP Loan?

FFLEP loans were a system of private loans guaranteed by the Education Department

What is the Federal Family Loan Education Program?

172

Educational Loan

What is a Perkins Loan?

Federal Perkins Loan Program was a low interest federal loan for students with exceptional need. This program has been discontinued. New loans cannot be awarded after September 30, 2017.

184

Educational Loan

What is a guaranty agency?

A state agency or a private, nonprofit organization that administers Federal Family Education Loan (FFEL) Program loans. As of July 2010 there are no more FFEL Program Loans.

200

Educational Loan

What is an institutional loan?

An institutional loan is a loan from your school rather than a bank or the federal government. Many schools offer both short term emergency loans and longer term loans for the purposes of paying for tuition and fees. See your school's Financial Aid Office to find out if they offer institutional loans.

225

Educational Loan

How long will I qualify for loans?

Most federal and private loans used to pay for college are available as long as you are enrolled at your institution.

233

Educational Loan

What is an origination fee?

An origination fee is a fee that a bank charges for loaning you money in addition to interest. In many cases, the origination fee is taken out of your loan disbursement so the amount you receive is less than what you borrow. Both federal and private loans may charge origination fees so it is important to review all fees before accepting a loan.

234

Educational Loan

What is a direct subsidized loan?

Federal Direct Subsidized Loans are available for undergraduate students with financial need. For more information on subsidized loans visit https://studentaid.ed.gov/sa/types/loans/subsidized-unsubsidized

243

Educational Loan

What is a direct unsubsidized loan?

Federal Direct Unsubsidized Loans are available for Undergraduate and graduate students. Students do not have to demonstrate financial need for this type of loan. For more information on subsidized loans visit https://studentaid.ed.gov/sa/types/loans/subsidized-unsubsidized.

244

Educational Loan

What is a loan period start date?

A loan period begin date or start date is the first day of a loan period.

255

Educational Loan

What is a loan?

Loans can be used to help cover the cost of education and must be repaid. There are several types of loan options. The department of education offers Subsidized Direct Loans, Unsubsidized Direct Loans, Parent PLUS Loans, Graduate PLUS Loans. There are also several options for private loans. Your financial aid officer can discuss the types of loans available based on your situation.

can I get loans
Do i qualify for loans?

257

Family Contribution

What is expected family contribution (EFC)?

Expected Family Contribution (EFC) is calculated by the US Department of Education based on the information from your FAFSA. The EFC is used to determine your eligibility for need-based aid such as grants, scholarships, federal work study, and subsidized loans.

What is my efc?
What is an efc?

011

Financial Aid

How can I meet with someone in financial aid?

You can make an appointment with your advisor to discuss any financial aid needs.

009

Financial Aid

What is an annual award?

An annual award typically refers to grants or loans, but could refer to scholarships or other types of funding. For Federal grants, an annual award commonly refers to an Award Year (July 1-June 30). For federal loans, an annual award refers to the loans awarded for an academic year.

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General

What is an approved drug rehabilitation program?

A qualified drug rehabilitation program must include at least two unannounced drug tests and satisfy at least one of the following requirements:

Be qualified to receive funds directly or indirectly from a federal, state, or local government program;
Be qualified to receive payment directly or indirectly from a federally or state-licensed insurance company;
Be administered or recognized by a federal, state, or local government agency or court; or
Be administered or recognized by a federally or state-licensed hospital, health clinic, or medical doctor.

015

General

What is common-law marriage?

Common law marriage is when a couple lives together and presents themselves for a period of time to the community as being married without a formal ceremony and obtaining a legal marriage license. See your financial aid administrator to determine if your state recognizes common law marriage.

What is commonlaw marriage?
I have a common law spouse
I have a common law husband
I have a common law wife

032

General

What is a credit bureau?

A company that collects information relating to the credit ratings of individuals and makes it available to financial institutions. Credit ratings can be utilized in applying for the Parent Plus Loan and Alternative Loans. Please review the conditions of these loans prior to applying.

035

General

What is a diploma mill?

An entity that charges a fee and requires students to complete little or no coursework to receive a certificate, diploma, or degree. In addition, the entity lacks accreditation by a recognized accrediting body for institutions of higher education by the Secretary or a federal agency, state government, or other organization that recognizes accrediting agencies. However, not being accredited does not necessarily make a school a diploma mill. A list of unacceptable high schools may be viewed at https://nces.ed.gov/globallocator/. Speak with your academics department for further information.

039

General

What is a Financial Aid Officer?

A financial aid officer is your point of contact throughout the financial aid process. They can answer questions, review your eligibility with you, or help you understand documents.

062

General

How do I contact my Financial Aid Office?

You can make an appointment with your advisor to discuss any financial aid needs.

063

General

Who is my Financial Aid Officer?

Visit Contact Us on the Student Portal or refer to the school catalog

064

General

What is a GED?

A General Education Diploma (GED) is the equivalent of a high school diploma. It is designed for those who did not complete high school. Also referred to as a General Equivalency Diploma or General Education Development Certificate.

What is a general education diploma?
What is a General Equivalency Diploma?

067

General

What is a graduation rate?

This is the percentage of first-time, first-year undergraduates who complete their program within 150% of the published time for their given program. For example, a student entering a four-year program who completes the program within 6 years would be included as a graduate.

What is the grad rate?
What's the grad rate?
Whats the grad rate?
grad rate

068

General

Am I considered homeless?

Homeless means lacking fixed, regular and adequate housing. Please contact your financial aid administrator for additional questions related to determining your eligibility.

070

General

What is homeschool?

A home school is where children are taught at home instead of attending a public or private school.

What is home school?

071

General

What is a job placement rate?

Speak with your career services department to find out more about your college's job placement rate.

074

General

What is my school's job placement rate?

Job placement rates measure the percentage of students who are placed in occupations related to what they studied in school.

075

General

What is legal guardianship?

Legal guardianship is when a child's primary care is provided by someone other than a biological parent. A legal guardian provides the primary care for a child when the parents are unable to do so. The guardian may have been selected by the parent or appointed by the courts.

076

General

What is NSLDS?

The National Student Loan Data System (NSLDS) is the Education Department's centralized system for federal aid. Here you can access information on your federal student loans and grants. You can access your information at https://nslds.ed.gov/nslds/nslds_SA/

What is the National Student Loan Data System?

088

General

Where can I find information on my loans?

For information on your federal student loans you can access The National Student Loan Data System (NSLDS) at https://nslds.ed.gov/nslds/nslds_SA/. Contact your Financial Aid Office for more information on Institutional or private loans you may be utilizing.

089

General

What is a new borrower?

A new borrower is considered to be an eligible student that did not have a student loan prior to the active loan being disbursed.

093

General

Who is an out-of-state student?

An out-of-state student has not established residency in the state where they are attending school. Rules for establishing residency vary by state.

out of state student

094

General

What is a proprietary school?

A proprietary college is a private school that is a profit-seeking business.

What is a for-profit school?
What is a for-profit college?

099

General

What is a non-profit school?

A non-profit institution is owned and operated by one or more nonprofit corporations or associates. No part of the net earnings of which benefits shareholders or an individual.

100

General

What are qualified public services?

Qualified public services entities are emergency management, military service, public safety, law enforcement, public interest law services, early childhood education,public service for individuals with disabilities, public service for the elderly, public health public education, public library services, and other school-based services. For more information on qualified public services, visit https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service#qualifying-employment

101

General

What is a regular student?

A regular student is someone that is enrolled or accepted for enrollment in an eligible program at an eligible institution for the purpose of obtaining a degree, certificate, or other recognized educational credential offered by that institution.

what is a basic student?

102

General

What is a retention rate?

The percentage of first-time, first-year undergraduates who continue at the given school the next year. For example, a student who attends in the fall semester and continues their studies in the program the next fall term would be included in this rate.

104

General

What is my school's retention rate?

Please visit the College Navigator site https://nces.ed.gov/collegenavigator/ to search for your institutions' retention rate. For additional questions, please reach out to your financial aid administrator.

105

General

What is SAP?

SAP stands for Satisfactory Academic Progress. Please contact your financial aid administrator for additional questions related to Satisfactory Academic Process

What is satisfactory academic progress?
What's sap?
whats sap?
What's satisfactory academic progress?
whats satisfactory academic progress?

107

General

What is a teach-out plan?

A teach-out plan means that a student will finish their program of study at a different school than they originally attended, typically in the case of program discontinuation or school closure.

What is a teach out plan?

109

General

What is a transfer rate?

The percentage of first-time, first-year undergraduates who transfer to another college within 150% of the published time for the program. For example, a student who is in a four-year program and transfers to another college within six years would be included in this rate.

transfer rate?

111

General

What is the Treasury Offset Program?

This program will utilize your tax refund to offset federal payments. This program may be used when students default on payments for their Federal Direct Loans.

What is a tax offset?

112

General

What is a ledger card?

A ledger card is a record of all the financial activity related to your school attendance. This will include charges (ex. Tuition, fees) and payments (ex.cash, grants, loans) and a remaining balance.

What is an account?
What is an AR card?
What is a student account?

117

General

What is adverse credit history?

Your credit history is impacted by many financial activities. Adverse credit history can mean there are payments are repeatedly late, severely delinquent, accounts sent to collection agencies, and many more. For more information about credit and the decisions that impact your credit history, visit https://www.consumer.gov/articles/1009-your-credit-history

118

General

What aid earned mean?

Students "earn" their financial aid by attending class. The percentage of aid you earn would be a pro-rated amount based on the date you stopped attending class.

120

General

What is ability to benefit?

In most cases, students must have a high school diploma or GED to qualify for TitleIV funding. However, the Ability-to-Benefit Program (ATB) provides an opportunity for those who do not have a diploma or GED to be eligible for Federal funding. Speak with your Financial Aid Office for more information about this program.

What is abt?
Can I get loans if i didn't graduate high school?

123

General

What is BIA?

The Bureau of Indian Affairs is an organization serving American Indians, Indian Tribes, and Alaskan Natives. There may be financial assistance available for the cost of education. For more information, visit https://www.bia.gov/

Bureau of Indian Affairs?
What about aid for American Indians?

128

General

What is a book voucher?

A book voucher generally means that you are able to charge the cost of your books to your student account prior to your financial aid paying. Speak with your Financial Aid Office to see if they offer this resource.

129

General

What is a borrower?

A loan borrower is the recipient of funds that they agree to pay back. The borrower incurs debt which generally accrues interest. The borrower is required to pay back the accrued interest and the original principle loan amount.

130

General

What is a branch campus?

A branch, or satellite, campus commonly refers to campus that is physically at a distance from the original college campus which is often referred to as the main campus.

What is a satellite campus?
What is a regional campus?

131

General

What is a campus?

A campus refers to the grounds and facilities used by faculty and students of an educational institution. This may include classrooms, dorms, dining halls, athletic facilities, and libraries for example.

What is a main campus?

132

General

What are campus-based programs?

There are some federal student aid programs that the school must apply for and be granted a specific budget for student awards. Once the Department of Education has given the school their budget, the school makes awards to students throughout the award year. These programs include Federal Supplemental Educational Opportunity Grant (FSEOG) and Federal Work Study (FWS).

133

General

Where can I find my campus security records?

Please refer to your school catalog to find out where to find campus security records.

134

General

What is the Central Processing System Student Account Internet Gateway?

Student Aid Internet Gateway, known as SAIG. Is an internet-based tool that enables Federal Student Aid trading partners to securely exchange batch data with Federal Student Aid Application Systems. For example: SAIG enabled your institution to receive a copy of your FAFSA application (ISIR) for review.

135

General

Who is my campus president?

Please refer to your school catalog to locate the name of your campus president.

136

General

Who is my academic advisor?

Please contact your school to find out who your academic advisor is, or visit your student portal.

137

General

What is my schedule?

Please contact your registrar or academic advisor to discuss your schedule.

138

General

What is Children of Fallen Heroes?

Children of Fallen Heroes is a Federal Financial Aid program which provides a maximum Pell grant to pell-eligible students whose parent or guardian died in the line of duty while serving as a public safety officer.

139

General

What is Children of Iraq and Afghanistan Soldiers?

Children of Iraq and Afghanistan Soldiers Service Grant is a Federal Financial Aid program for students whose parent or guardian died as a result of military service in Iraq or Afghanistan.

140

General

What is CPS?

The Central Processing System (CPS) uses information on the FAFSA to calculate an EFC and communicate results to students and schools.

141

General

What is COD?

Common Origination and Disbursement (COD) is a Department of Education system used to track the awards and payments of student's federal student aid.

142

General

What is the Clery Act?

The Jeanne Clery Disclosure of Campus Security Policy and Campus Crime Statistics Act (Clery Act). The Clery Act requires institutions of higher education to comply with certain campus safety- and security-related requirements as a condition of their participation in the title IV, HEA programs. Click here for more information https://studentaid.ed.gov/sa/about/data-center/school/clery-act-reports

What is the Cleary act?

143

General

What is a clock hour?

A period of time measuring academic progress, consisting of:

50- to 60-minute class, lecture, or recitation in a 60-minute period; or
50- to 60-minute faculty-supervised laboratory, shop training, or internship in a 60-minute period; or
60 minutes of preparation in a correspondence course

144

General

What is a credit hour?

Academic Credit Hours are a measure of academic progress that consist, on average, of at least 1 hour in class and 2 hours out of class work in each week of a quarter, semester, trimester OR the equivalent for lab work, intern/externship, and other academic work earning credit hours.

145

General

What is a clock to credit hour conversion?

Undergraduate programs offered in credit hours that are not at least 2 academic years leading to an associate degree or higher, and all hours in the program do not apply to an associate degree program or higher at that school are subject to this conversion. The converted value is used to determine Title IV eligibility. These are commonly referred to as Financial Aid (FA) Credits.

146

General

What are comment codes?

Comment code is a numeric code on the Student Aid Report and ISIR that identifies data matches and issues on the student application. Each code corresponds to specific comment text for the award year.

147

General

What is competency-based education?

Competency-based education allows students earn college credit and progress through a program at their own pace, based on demonstrated mastery of skill or knowledge in the respective area of study.

What is CBE?
What is competency based education?

148

General

Does my school offer competency-based credits?

Refer to your school catalog to see if competency-based credits are offered.

149

General

What is conditional acceptance?

Conditional acceptance is when a student meets many requirements for enrollment into a particular program, but must been certain criteria before being fully accepted into the program. For example, a student enrolling in masters degree program may have undergraduate prerequisites that must be completed.

150

General

What is a consortium?

A consortium is an association of two or more organizations working together toward a common goal.

151

General

What is a consortium agreement?

A consortium agreement between schools may allow students to take courses at a school other than their home school and have those courses count toward the degree or certificate at their home school, and continue receiving federal student aid.

152

General

What is consumer information?

Consumer information are the types of information that schools must provide or make available to students, applicants and employees in order to participate in federal student aid programs. The list is extensive and required by the Higher Education Opportunity Act.

153

General

What is continuing education?

Continuing Education commonly refers to units (CEU) required for certain professions to maintain certifications or licenses.

154

General

How can I get a copy of my enrollment agreement?

Contact your admissions office for a copy of your enrollment agreement.

155

General

What is an enrollment agreement?

An enrollment agreement outlines the details of your enrollment and may include your program, the date you will start school, the cost of the program, and institutional policies.

156

General

What is a correspondence course?

Correspondence courses are a form of distance learning where students are given expectations of what must be completed along with deadlines, but the student works independently, at their own pace.

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General

Does my school offer correspondence courses?

Refer to your school catalog or speak to see if correspondence courses are offered.

158

General

Does my school offer online classes?

Refer to your school catalog or speak to see if online classes are offered.

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General

What are online courses?

Online courses are a form of distance learning, offered through web based platforms instead of attending class face to face. There will likely still be regular lectures, discussions, assignments, and exams, similar to in person classes.

160

General

What is a DD214?

The DD214 is the Department of Defense form 214. It is the form, received at separation, that certifies a veteran's service.

166

General

How can I get a copy of my DD214?

To request an electronic copy of the DD241, submit a military records request through the milConnect website. Click here for more information https://www.va.gov/records/

167

General

What is DHS?

DHS stands for Department of Homeland Security. For more information on how federal agencies are used to determine eligibility for federal student aid, visit https://studentaid.ed.gov/

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General

What is DOB?

DOB stands for date of birth.

What is the acronym for date of birth?

174

General

What is DOD?

DOD stands for Department of Defense. For more information on how federal agencies are used to determine eligible for federal student aid, visit https://studentaid.ed.gov/. DOD can also stand for Date of Determination which is the last date of attendance used when a student withdraws from an institution and is used to calculate the return to title IV.

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General

What is ED?

ED stands for the U.S. Department of Education or Dept of ED. For more information, please click here https://www.ed.gov/

US Department of Education
Department of ED
DOE
What is the DOE?

176

General

What is Enrollment Status?

Enrollment status typically refers to the number of hours a student is enrolled in for a particular term. A student can be enrolled full-time, three-quarter-time, half-time, or less-than-half-time.

my enrollment status

177

General

What is an ESL Program?

English as a Second Language

What is ESL?

178

General

What is E-sign?

E-Sign or electronic signature allows legal recognition of documents signed electronically.

What is e sign?
What is esign?

179

General

What is FERPA?

Family Educational Rights and Privacy Act (FERPA) requires schools to keep a student's information private unless the student has given permission. There are some exceptions, such as directory information or parent's access for student's under 18. For more information, visit https://www2.ed.gov/policy/gen/guid/fpco/ferpa/index.htm

Family Educational Rights and Privacy Act

181

General

What is an FAO?

FAO is a financial aid officer. A financial aid officer is your point of contact throughout the financial aid process. They can answer questions, review your eligibility with you, or help you understand documents.

183

General

What is FSA?

FSA stands for Federal Student Aid. FSA is an Office of the US Department of Education. For more information, visit https://studentaid.ed.gov/

Federal Student Aid

185

General

What is Academic Probation?

Students must maintain Satisfactory Academic Progress (SAP) in order to continue attending school and receive federal student aid. Academic Probation means your academic progress is not meeting SAP requirements, and your continued attendance and/or financial aid eligibility could be lost. Please refer to your school catalog for SAP policies and speak with your academic and financial aid advisors to get back on track.

What happens if i fail SAP?
academic probation

189

General

What is a Financial Aid Warning?

Students must maintain Satisfactory Academic Progress (SAP) in order to continue receiving federal student aid. Financial Aid Warning means your academic progress is in jeopardy of not meeting SAP requirements. Please refer to your school catalog for SAP policies and speak with your academic and financial aid advisors to get back on track.

190

General

What is a First-Time Borrower?

A first-time borrower is a student attending a post-secondary institution, taking out federal loans for the first time. The student may have attended college before, but never borrowed federal loans. First-time borrowers may have to attend 30 days of school prior to loans being disbursed to the school.

What is a first time borrower?
1st time borrower

191

General

What is a First-Time Student?

A first time student is a person who is attending a post-secondary institution for the first time. Historically, first time students have just graduated high school, but more and more first time students can be any age or level of experience.

192

General

What is a first time student?

A first time student is a person who is attending a post-secondary institution for the first time. Historically, first time students have just graduated high school, but more and more first time students can be any age or level of experience.

1st time student

192

General

What is a full time student?

A full-time student means the student is enrolled in and attending enough credit hours to be considered full-time. This may vary by program, but it is typically a minimum of 12 credit hours.

What is full time?
am i full time?

196

General

What is half time?

A half-time student means the student is enrolled in and attending enough credit hours to be considered half-time. This may vary by program, but it is typically between 6 and 8 credit hours.

am i half time

197

General

What is three-quarter time?

A three-quarter-time student means the student is enrolled in and attending enough credit hours to be considered half-time. This may vary by program, but it is typically between 9 and 11 credit hours.

198

General

Where is my award letter?

Your school may send your award letter through mail, email or a link to a website. Contact your school's Financial Aid office if you think you should have an award letter and can't find it.

206

General

Is my file complete?

The file review process may take a couple of days to complete. Please refer to your Student Portal for updates. If you have additional questions related to your file status, please contact your financial aid administrator.

207

General

Where can I find my completed documents?

Many schools allow students to access their documents through their student portal. If you are unable to locate your documents there speak with the appropriate department to obtain a copy of the documents you seek.

Where can I get a copy of my documents?
How can I get a copy of my documents?

209

General

How do I update my address?

You may be able to update your address on you profile in the student portal. If this section is disabled, you can contact your financial aid officer to update.

I need to update my address?

210

General

What is in-kind support?

Goods, services, or support provided instead of money.

What is in kind support?
Whats in-kind?
What's in kind

224

General

What is a module?

A module is a period of time within a term during which a student is able to take courses. Schools sometimes break up terms into the mini terms or sessions in order to offer more flexible programs.

230

General

What is nonterm?

Nonterm refers to programs that offer more flexibility than traditional program with flexible course length and start/end dates that may or may not overlap with a standard term dates. Nonterm programs can be more self-paced or independent study.

What is non-term

232

General

Do I qualify for state aid?

Many states have programs to help students with paying for college. Check with your school's financial aid office click here for more information. https://www.nasfaa.org/State_Financial_Aid_Programs

What is state aid?

237

General

Will financial aid cover study abroad?

Yes, in some cases your federal financial aid may be used to cover study abroad programs. Click here for more information https://studentaid.ed.gov/sa/types/international

238

General

What is unusual enrollment history?

The U.S. Department of Education has established guidelines for preventing fraud and abuse in the Federal Pell Grant program by flagging cases where students have received a Pell Grant at multiple institutions over the last three academic years. If you have been flagged for unusual enrollment history (UEH) contact the Financial Aid office at your institution so that they can help you.

What is UEH?

239

General

How can I meet with someone in financial aid?

You can make an appointment with your advisor to discuss any financial aid needs.

I need to meet with someone in financial aid office.
Where can I make an appointment with financial aid advisor?
Can I get financial aid counseling?

248

General

Does my school offer competency-based credits?

Refer to your school catalog to see if competency-based credits are offered.

250

General

What is a standard term?

A standard term is a traditional quarter, semester, or trimester. Quarters are 10-12 weeks long, semesters and trimesters are 15-17 weeks long.

A term
What is a term?
What is a semester?
What is a quarter?

253

General

What does aid earned mean?

Students "earn" their financial aid by attending class. The percentage of aid you earn would be a pro-rated amount based on the date you stopped attending class.

256

General

What is less than half time?

A less-than-half-time student means the student is enrolled in and attending enough credit hours to be considered less-than-half-time. This may vary by program, but it is typically less than 6 credit hours. It is important to note that less-than-half-time students cannot receive federal direct loans for the term and grace period for repayment begins.

What is a half time student?
What does it mean to go half time?
am I less than half time?

258

General

I need money.

Your financial aid or business office can advise you of your loan options.

Give me money for school

259

General

When do I get my refund check?

Please contact your Accounting or Financial Aid Office for information on this process.

When do I get my stipend?
When do I get my financial aid money?
How do I get my refund from financial aid?
Where is my FA check

261

General

What is a C flag?

Comment code is a numeric code on the Student Aid Report and ISIR that identifies data matches and issues on the student application. Each code corresponds to specific comment text for the award year. A C-Flag is a comment code that may require additional documentation to resolve an issue on the application.

What is a comment code?
I got a C flag
C' flag
comment code
C-code
C code
C' code

262

General

I want to cancel my loans,

Please contact your financial aid office to discuss canceling your loans and how to cover any remaining balance.

Can I cancel my loans?
Is it possible to cancel my loans?
Can i keep one, but cancel another loan?

263

General

How do I change programs?

Before changing your degree/major, it is recommended to follow these steps:

Read and understand major descriptions in the school catalog.
Talk with your Academic advisor.
Discuss career options with a Career Services advisor.
Submit your request.

How do I change my degree?
How do I change my major?
How do I change my minor?

264

Loan Repayment

What is default?

Default occurs when payment on a loan has become severely past due. For federal direct loans, a loan that is in repayment may be considered in default when no payment has been made for 270 days or more. It is important to make payments on time or make arrangements if you cannot pay. Your financial aid office can advise on repayment, deferment, or foreberance options. For more information about default, click https://studentaid.ed.gov/sa/repay-loans/default

014

Loan Repayment

What is loan forgiveness?

Loan forgiveness means that loan payment is no longer required. There are very limited circumstances where a loan may be forgiven. For more information, click https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation

025

Loan Repayment

What is a grace period?

A grace period is a set period of time, after you leave school or drop below half-time status, before payments are required. Not all loans have a grace period and some loans accrue interest during the grace period. For more information, click https://studentaid.ed.gov/sa/repay-loans/understand#grace-period

026

Loan Repayment

What is deferment?

A deferment is a temporary period of time where loan payments are not required. You must apply and receive approval of a deferment before you stop making payments. For more information on deferment options, visit https://studentaid.ed.gov/sa/repay-loans/deferment-forbearance

027

Loan Repayment

What is forbearance?

A forbearance is a temporary period of time where loan payments can be reduced or stopped. You must apply and receive approval of a forbearance before you reduce or stop making payments. For more information on deferment options, visit https://studentaid.ed.gov/sa/repay-loans/deferment-forbearance

028

Loan Repayment

What is a lender?

The lender is an organization that initially originates the education loan. The lender could be the U.S. Department of Education, the borrower's school, or a lending institution. For more information on lenders, visit https://studentaid.ed.gov/sa/types/loans

029

Loan Repayment

What is loan consolidation?

Consolidation is the process of combining multiple loans into one. For more information, click https://studentloans.gov/myDirectLoan/launchConsolidation.action

What is consolidation?
What's consolidation?
Whats consolidation?

033

Loan Repayment

What is a default rate?

Default rate refers to the percentage of students who have defaulted on their federal student loans for a cohort group at a particular school. Default rates are calculated each year.

What's the default rate?
whats default rate?

036

Loan Repayment

What is discretionary income?

Discretionary income is utilized as part of calculating repayment options for federal student loans. For more information, visit https://www.studentloans.gov and select repayment for additional options.

045

Loan Repayment

What is loan rehabilitation?

Loan rehabilitation is a one-time opportunity to clear the default on a defaulted federal education loan and regain eligibility for federal student aid. If you redefault on the loan, you will not be able to rehabilitate the loan a second time. If a judgment has been obtained on the defaulted loan, it is not eligible for rehabilitation.

loan rehab
what is a loan rehab?
loan rehabilitation

083

Loan Repayment

What is a loan servicer?

Loan services collect payments on loans and handle other administrative functions necessary for maintaining a loan.

084

Loan Repayment

What is outstanding interest?

Outstanding interest is the dollar amount of the accrued interest balance on your loan.

096

Loan Repayment

What is a repayment date?

The repayment date is the date you are obligated to begin repaying of the principal and interest on your loan.

103

Loan Repayment

What is a fixed interest rate?

A fixed rate means that the interest rate will remain the same for the life of your loan.

193

Loan Repayment

What is a variable interest rate?

A variable rate means that the interest rate will change, or vary, throughout the life of your loan.

194

Loan Repayment

What is the interest rate on my loans?

You should contact your lender to determine the interest rate for your loan. Information on Federal Direct Loans can be found at https://studentaid.ed.gov/sa/types/loans/interest-rates#what-interest

What is my interest rate?

195

Loan Repayment

What if I can't make my payment?

You may qualify for a forbearance or deferment, which allow you to temporarily reduced or stop payments. You must apply and receive approval before you reduce or stop making payments. For more information on deferment options, visit https://studentaid.ed.gov/sa/repay-loans/deferment-forbearance

I can't pay on time
What happens if I don't have enough to pay my bill?

201

Loan Repayment

What is an interest only payment?

Certain loans earn interest while you are in school. You may choose to make small payments on the interest that accrues each month. This is a good way to get into the habit of making on time monthly payments and it also keeps the original amount (principal) borrowed from growing while you are in school. Interest only payments can be made on federal, institutional, and private loans. Speak with your Financial Aid Office if you are interested in learning more about interest only payments while you are in school.

226

Loan Repayment

What if I can't make a payment?

You may qualify for a forbearance or deferment, which allow you to temporarily reduced or stop payments. You must apply and receive approval before you reduce or stop making payments. For more information on deferment options, visit https://studentaid.ed.gov/sa/repay-loans/deferment-forbearance Do not ignore or miss payments without contacting student aid. There are options.

What if I can't pay this month?
What if I don't have enough to pay back my loans this month?
I lost my job and can't pay

251

Packaging

What is an award letter?

An award letter provides information related to the cost of your education for an academic year along with the financial awards you may receive during that academic year. These awards may include grants, scholarships, loans, or work study. You have the option to accept or decline some or all of the awards. Contact your financial aid office for more information.

How much am I awarded?

022

Packaging

What is a disbursement?

A disbursement is a single payment of a financial aid award. This is typically one half or one third of the total award.

043

Packaging

What is a disbursement date?

A disbursement date is the date a disbursement is paid to the school.

044

Packaging

What does merit-based mean?

Merit based aid is financial aid that is awarded based on factors other than financial need such as academic merit, talent, community service, etc.

087

Packaging

What is a scheduled award?

The amount of an award which would be paid to a full-time (or at least half-time) student for a full academic year. Please see your award letter for scheduled awards and contact your financial aid administrator for questions related to scheduled amounts or awards.

What is a scheduled amount?

108

Packaging

What is a Financial Aid Package?

A Financial Aid Package is the collection of different types of aid sources that are available to you after submitting your application for Financial Aid. Generally, your school will provide this information to you through a letter or by sending you a link to the information on your school's portal.

What is my award package?

188

Payments

What is the payment due date deadline?

Your financial aid or business office can advise you of your payment schedule.

When is my payment due?
Is my payment late?
Is my payment due?

008

Payments

What is an electronic debit?

Electronic debit is a way to transfer money (make a payment) electronically.

048

Payments

What is ACH?

ACH stands for Automatic Clearing House and is a way to transfer money (make a payment) electronically.

049

Payments

What is an over payment?

An over payment occurs when funds disbursed to a student are in excess of their need.

What is an overpayment?

097

Payments

What is a credit balance?

A credit balance can occur if more money is paid to your account is more than the charges.

161

Payments

What is a Title IV credit balance?

A Title IV credit balance can occur if the Title IV (federal student aid) paid to your account are more than the amount of tuition and fees for a given term or academic year. If this occurs, you may have options for how you want the school to handle this balance. Speak to your financial aid officer about your options

162

Payments

Can I set up automatic payments?

You school may offer the ability to set up automatic payments for tuition and fees. Look at the Student Accounts or Bursar's section of your school's website for specific options at your institution.

231

Payments

What are available payment methods?

Your school may accept many different forms of payments such as cash, checks, credit cards, payment plans and financial aid. Look at the Student Accounts or Bursar's section of your school's website for specific options at your institution.

can I pay with cash?
Can I pay with credit card?
Can I pay with ACH?
Can I pay by check?
Can I pay with Paypal?
Can I pay with ApplePay?
Can I pay with bitcoin?

235

Payments

Do I qualify for loans?

Your financial aid or business office can advise you of your payment schedule.

Can I get loans?
Can I get a loan with bad credit?

236

Payments

What happens to my aid if I withdraw?

If you withdraw from any or all of your classes your Financial Aid will be impacted. You may be expected to return funds or start repayment of loans. Please contact your Financial Aid office.

241

Scholarships

Are there scholarships available specifically for students in this major?

The four main sources for financial aid are the federal government, the state government, postsecondary institutions, and private organizations. The types of aid are:

Federal Aid which consists of Grants, Scholarships, Loans, and Work-Study Funds
State Aid where state governments offer grants, scholarships, work-study funds, state loans and tuition assistance.
Institutional Aid which consists of aid that individual colleges and universities provide to their students.
Private Aid which is typically in the form of loans and scholarships or private financial aid which comes from corporations, religious organizations, cultural organizations, professional and service organizations, and more.

004

Scholarships

What is athletically related student aid?

This would be scholarship, grant, or other financial aid dependent upon the student to participate in an intercollegiate athletic program at the institution. Speak with your Financial Aid Office on any opportunities that may be available.

What are sports scholarships?
Are there sports scholarships?
Is there aid for student athletes?

124

Scholarships

Do you offer scholarships?

Scholarships are financial aid awards designed to help students pay for an undergraduate degree. Sometimes a scholarship is a one-time check. Other school scholarships are renewable and provide money for students each semester or school year. These awards differ from student loans in that they don't have to be repaid. Also see: [Student Aid](https://studentaid.ed.gov/sa/)

245

Verification

What is Adjusted Gross Income?

Adjusted Gross Income (AGI) is calculated on your tax returns by subtracting allowable adjustments from your total income. For more information, click https://www.irs.gov/e-file-providers/definition-of-adjusted-gross-income

What is AGI?

013

Verification

What is V1?

V1 is standard Verification tracking. The following FAFSA items will be validated during this process:

Adjusted Gross Income
U.S. Income Tax Paid
Untaxed Portions of Individual Retirement Account (IRA) Distributions
Untaxed Portions of Pensions
IRA Deductions and Payments
Tax Exempt Interest Income
Education Tax Credits
Income Earned from Work
Number of Household Members
Number in College

I have been flagged for V1.
What do I do if I have been selected for V1?
What is verification group 1?
I have been selected for V1 verification
What do I need to do for V1?

114

Verification

What is Verification?

Verification is the process your school uses to confirm that the data reported on your FAFSA form is accurate. If you’re selected for verification, your school will request additional documentation that supports the information you reported.

113

Verification

What is V4?

V4 is custom Verification tracking. The following FAFSA items will be validated during this process:

High School Completion Status
Identity/State of Educational Purpose
Number of Household Members
Number in College

What is verification group 4?
I have been selected for V4 verification
What does it mean to be flagged for V4?
What do I do if I have been selected for V4?
What do I need to do for V4?

115

Verification

What is V5?

V5 is aggregate Verification tracking. The following FAFSA items will be validated during this process:

Adjusted Gross Income
U.S. Income Tax Paid
Untaxed Portions of Individual Retirement Account (IRA) Distributions
Untaxed Portions of Pensions
IRA Deductions and Payments
Tax Exempt Interest Income
Education Tax Credits
Income Earned from Work
Number of Household Members
Number in College
High School Completion Status
Identity/State of Educational Purpose

What is verification group 5?
I have been selected for V5
I have been flagged for V5 verification

116

Verification

Do I need my tax return?

To obtain a copy of your taxes visit the IRS website at https://www.irs.gov/individuals/get-transcript

I need my tax return?
Where can I get my taxes?

204

Verification

Do my parents need their tax return?

Your parents can request a copy of their taxes from the IRS website at https://www.irs.gov/individuals/get-transcript

My parent needs their tax return?

205

Verification

What is a Verification Worksheet?

If you are selected for Verification, you are not alone. The Department of Education selects 30% of the student poplution for Verification. The Verification Worksheet is part of the verifying process. It validates information related to your household, tax filing status, and/or educational certification and purpose. For more information related to Verification, please contact your financial aid adminstrator and be on the lookout for information from your school.

208

Verification

How long does this verification take?

Once you receive notification of the documents required for verification, you can speed up the process by submitting your documents as quickly as you can. It may take some time for your school to review your documents, and they may reach out to you for clarification or additional information. Don't worry! We know it seems like a lot, but stay patient and respond quickly, and it will be done before you know it.

211

Work Study

Are there work study positions available?

Refer to your school catalog or speak to a financial aid officer to see if Federal Work Study is available at your school.

007

Work Study

What is Federal Work Study?

Federal Work Study is a type of need-based federal aid. Schools can post jobs which allow students to gain work experience while helping cover the cost of education. There are also academic standards that must be met to remain eligible for these positions.

060

Work Study

Does my school have a Federal Work Study Program?

Refer to your school catalog or speak to a financial aid officer to see if Federal Work Study is available at your school.

061

Work Study

Are work-study earnings taxable?

Yes. Federal work-study earnings are taxable and should be reported when you file your taxes.

Are workstudy earnings taxable?
Am I taxed on FWS wages?
Are FWS earning taxable?

218

Work Study

Are there Federal Work-Study positions available?

Once you start school, you can find work-study jobs through postings by the Financial Aid and/or Career Services offices.

Where can I find on campus jobs?
What kind of jobs are available on campus?
Can I work while in school?
Can I work at the college?
Can I work for the university?
What kind of workstudy positions are available?
Are there workstudy jobs available?

247

FAQ Model for Student Verification - Sorted by Category

Academic Year

Accreditation

Applying for Aid

Attendance

Collections

Education Credential

Educational Cost

Educational Grant

Educational Loan

Family Contribution

Financial Aid

General

Loan Repayment

Packaging

Payments

Scholarships

Verification

Work Study