Glossary
当学生完成学校的课程或科目要求时，学校给予学生的计量单位. At Susquehanna we use the semester-credit hour.
Academic Year
一个由学校定义的时期，用来衡量学生要完成的学术工作. Susquehanna’s Academic Year is Fall and Spring. Summer would be a “trailer” term with financial aid options limited. No Susquehanna aid is provided in the Summer term. Visit Susquehanna’s Academic Calendar website.
Adjusted Available Income
The portion of family income remaining after deducting federal, state, and local taxes, a living allowance, and other factors used in Federal Methodology for packaging federal student aid on the FAFSA.
AGI - Adjusted Gross Income
All taxable income. Taken from the U.S. tax return and contained on the FAFSA.
Assets
Cash on hand in checking, savings, trust, stocks, bonds, other securities (i.e., real estate, income producing property, business equipment, 和企业库存)在确定FAFSA目的的预期家庭贡献时考虑.
Award Letter
A means of notifying financial aid applicants of the assistance being offered. The award letter usually provides information on the types and amounts of aid offered, net cost and out-of-pocket costs as well as specific program information, student responsibilities and the conditions which govern the award. The letter provides students with the opportunity to accept or decline the aid offered. Admitted students receive their award letter upon admission and the receipt of a FAFSA. Current students 在春季成绩处理和学业进展评估后，每年6月收到他们的奖励信(下一学年).
Award Year
The award year begins on July 1 of one year and extends to June 30 of the next year. 联邦佩尔助学金和校园项目的资金是根据奖励年度提供的, thus a student is paid out of funds designated for a particular award year, such as the 2021-22 award year (July 1, 2021 through June 30, 2022).
The estimated cost of attendance for an institution; usually includes tuition, fees, books, supplies, room, board, personal expenses, and transportation. 其他费用可能包括在内(见出勤费用)，这与他们的学生类型(1)相一致.e., residential, commuter, independent).
The Federal Supplemental Educational Opportunity Grant and the Federal Work-Study programs. 这两个项目被称为“以校园为基础”，因为资金是由大学的财政援助办公室直接管理的, which awards these funds to students using federal guidelines.
Central Processing System (CPS)
The U.S. Department of Education’s processing facility for application data. The CPS receives student information from the FAFSA processors, calculates the student’s official EFC, and returns the student’s information to the FAFSA processor, which prints the Student Aid Report (SAR). It usually takes 5-7 business days for Susquehanna to receive a student’s FAFSA results.
Citizen/Eligible Non-Citizen
Students must be one of the following to receive federal student aid: U.S. Citizen; U.S. national (includes natives of American Samoa or Swain’s Island); U.S. permanent resident who has an I-151, I-551, or I-551C (Alien Registration Receipt Card).
Co-Signer
Same as endorser, 被要求与借款人签署贷款本票的第二信用方. This party guarantees the loan will be repaid if the borrower defaults.
Collection Agency
A business organization that accepts, from lenders, 已经拖欠或违约的贷款账户，并试图收回这些账户. A fee is charged for the service. Susquehanna’s primary partner is Security Credit.
Consolidation
Combining all your federal student loans under one repayment plan.
Consolidation Loan
当符合条件的贷款人还清学生现有的学生贷款并创造一笔新贷款时，向学生发放的贷款. Students can combine certain eligible Federal student loans into one loan and increase their repayment time frame 10 to 30 years depending on the balance. Direct loan students can consolidate while they are still in school.
Contributor
任何需要提供同意和批准联邦税务信息(FTI)的个人，并在FAFSA®表格上签名, including the student; the student’s spouse; a biological or adoptive parent; or the parent’s spouse (stepparent).
Cost of Attendance (also known as Budget, see above)
The student’s cost of attendance includes not only tuition and fees, but the student’s living expenses while attending college. The cost of attendance is estimated by the school, within guidelines established by federal regulations. 出勤费用与学生预期的家庭贡献进行比较，以确定学生对援助的需求.
Credit Bureaus
Organizations that maintain records on your financial history. 信用检查需要替代/私人贷款以及联邦家长+直接贷款.
Custodial Parent
The parent with whom a dependent student lives more than 50% of the time, 当父母离婚或分居时，他们的财务信息被用于FAFSA和需要分析.
An amount of money owed.
Default
Failure to repay a loan in accordance with the terms of the promissory note. May also result from failure to submit requests for deferment or cancellation on time. If one defaults, the school, the organization that holds the loan, the state, and the federal government can all take action to recover the money, including notifying national credit bureaus of your default. This may affect students’ credit rating for a long time.
Deferment of Loan
A condition during which payment of principal are not required, and for Perkins and Subsidized Stafford Loans, interest does not accrue. The repayment period is extended by the length of the deferment period.
Delinquent
To be overdue on one or more payments on a loan.
Department (ED or USED)
Abbreviation for the U.S. Department of Education; the federal cabinet level agency which administers student aid programs.
Dependent Student
必须根据抚养标准在经济援助申请中使用父母信息的学生, established by the funding source. A student who does not qualify as an independent student (see Independent Student).
Disbursement
向学生提供经济援助资金，用于支付教育和相关生活费用的过程.
Electronic version of the Master Promissory Note.
ED
U.S. Department of Education; the federal cabinet level agency which administers student aid programs through the Federal Student Aid (FSA) office.
Eligible Aid Applicant
合资格的资助申请人是符合以下四项标准的普通学生(定义见下文):
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- Is enrolled in an academic or training program eligible for the campus-based programs during award year and is making satisfactory academic progress as defined by the college.
- Meets citizenship or residency requirements for the award year.
- 通过提交FAFSA和收到符合条件的SAR/ISIR(见下文)申请经济援助.
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Has on file with the institution all information needed to perform a need-based analysis on the information required in Part F of the Higher Education Act of 1965, as amended.
Eligible Institution
An institution of higher education, a vocational school, or a postsecondary vocational institution, 或由美国政府批准参与联邦学生援助计划的专有高等教育机构.S. 教育部和/或宾夕法尼亚州立大学的项目由宾夕法尼亚州立教育部门.
Eligible Program
一种教育或培训计划，该计划符合管理第四章计划的规章所建立的程序. 一个项目的资格决定了该项目的学生是否可以获得联邦财政援助. 在参加一个或多个学生援助项目的学校获得学位或证书的课程.
Endorser
Same as co-signer, 被要求与借款人签署贷款本票的第二信用方. This party guarantees the loan will be repaid if the borrower defaults
Enrollment Status
注册状态等于学生的学分工作量，分为全日制(在浩博体育app是12个学分), three quarter-time, half-time, or less than half time. To be eligible for institutional aid at Susquehanna, students must be enrolled full-time.
Entrance Counseling
在向借款人发放第一笔联邦直接贷款之前进行. The counseling is virtual, online via the U.S. Department of Education.
Exit Counseling
在学生毕业后开始还款前，告知他们还款信息, withdrawal or dropping to below a half-time enrollment status (6 credits). The counseling is virtual, online via the U.S. Department of Education.
申请人和任何适用的供款人就给定的FAFSA周期提供的正式同意.g., December 2023 to September 2025 for the 2024-25 FAFSA form) that meets the statutory requirements of collecting and using an individual’s personally-identifiably information (PII) under the Privacy Act, as amended (5 U.S.C. § 552a). PII provided on the FAFSA (e.g., name, date of birth, social security number) with consent of the individual, will be provided to the IRS to conduct a match in order for the Department to receive FTI for purposes of determining an applicant’s federal financial aid eligibility and permit further redisclosure of FTI by the Department.
FAFSA Submission Summary (FSS)
这是一份通过电子邮件发送给学生的文件，总结了FAFSA提供的信息, that also provides an estimate of federal student loan and Pell grant eligibility.
FAFSA - Free Application for Federal Student Aid
The annual application for federal student aid, 由学生填写，收集家庭和财务信息，用于计算预期的家庭贡献. FAFSA在每年的10月1日发布，使用上一年的税收数据, i.e., released October 1, 2021 for the 2022-23 academic / award year using 2020 taxes. Click here for the FAFSA!
Federal Direct PLUS (Parent Loan for Undergraduate Students) Loan
Long-term loans made available to parents of dependent students attending colleges that participate in the Federal Direct Stafford Loan Program. Credit checks are required for parent applicants and the amount borrowed is limited to the cost of attendance minus estimated financial assistance.
Federal Direct Stafford Loan (Subsidized and Unsubsidized)
Same as a Federal Stafford Loan, funds come directly to the college from the federal government, eliminating the bank, credit union or other lender. Some aspects of the application process may be different.
Federal Pell Grant
Grants awarded to undergraduate students based on financial need as demonstrated on the FAFSA. Pell grants are a form of gift aid and do not require repayment to the federal government.
Federal School Code
A Federal School Code is always six characters: 0 (zero), G, B, or E followed by a five-digit number that used by the U.S. Department of Education to identify an eligible institution of higher education. For a school to receive your FAFSA results each year, you must provide their school code on the FAFSA. For example, 00336900 is the Federal School Code for Susquehanna University.
Federal Supplemental Educational Opportunity Grants (FSEOG or SEOG)
One of the campus-based programs; grants to undergraduate students of exceptional financial need who have not completed their first baccalaureate degree and who are financially in need of this grant to enable them to pursue their education. SEOG奖必须优先给予佩尔奖学金获得者，从0名EFC学生开始，学生必须根据美国大学的规定随机选择.S. Department of Education.
Federal Tax Information (FTI)
This is the data and information related to federal tax paying. 它包括直接从美国国税局收到的或通过授权的次要来源(如美国国税局)获得的申报表或申报表信息.S. Department of Education pursuant to 26 U.S.C. 6103(l)(13). FTI also includes any information created by the recipient that is derived from a federal return or return information received from the IRS or obtained through an authorized secondary source. Other return information considered FTI includes the taxpayer’s name; mailing address; identification numbers including Social Security number or employer identification number; any information extracted from a return, including names of dependents or the location of a business; information on whether a return was, is being, or will be examined or subject to other investigation or processing; information contained on transcripts of accounts; the fact that a return was filed or examined; investigation or collection history; or tax balance due information.
Federal Work-Study
Provides part-time employment to students with remaining need attending institutions of higher education who need the earnings to help pay the cost of their postsecondary education. FWS gives students an opportunity to earn money to help pay educational expenses. The program encourages community service work. No more than 20 hours per week.
Fees
At Susquehanna, the Comprehensive Student Fee is mandatory for all full-time enrolled students. The fee supports non-academic student services such as student activities, student care services, community transportation programs, environmental services, the fitness center, career counseling, technology services and infrastructure, and a variety of other services and amenities offered to students by the university. This annual fee is applicable to residential, commuter and study abroad undergraduate students enrolled full-time (12 credits) at the university and is billed each semester (half in the fall and half in the spring).
Financial Aid Package
The combination of financial aid funds (loans, grants, scholarships, and employment) awarded to an individual student by Susquehanna.
Financial Need
The difference between the student’s cost of attendance and the expected family contribution.
Forbearance
A temporary cessation of repayment of loans allowing an extension of time for making loan payments or accepting smaller loan payments than were previously scheduled.
Foreign Student
A student belonging to or owing allegiance to another country. Foreign students are not eligible for the basic federal programs, although there are categories of non-U.S. citizens eligible for student aid.
Fostering Independence Through Education Tuition Waiver Program (FosterEd)
Provides a waiver for tuition and mandatory fees charged by most postsecondary institutions located in the Commonwealth for youth who are or were in foster care. Visit http://www.pheaa.org/funding-opportunities/other-educational-aid/foster-education.shtml for more information.
Free Application for Federal Student Aid
See FAFSA.
FSA ID
用于登录所有联邦学生援助产品和工具的用户名和密码.gov.
Full-Time Student
Generally, one who is taking a minimum of 12 academic credits.
That form of financial aid which does not require repayment or require that work be performed.
Grace Period
从贷款接受者停止至少一半的时间开始，到还款期开始时结束的一段时间. Loan principal need not be paid and interest does not accrue during this period. Student borrowers have 6months of grace available in total.
Graduate or Professional Student
学士学位以上的学生:在高等教育机构参加学士学位以上的学术课程的学生.
Grants
Are awards for which there is no expectation of repayment or services to be performed.
Amount of money received from any or all the following: wages, interest, dividends, sales or rental of property or services, business or farm profits, certain welfare programs, 生活津贴，如应税和非应税社会保障福利和子女抚养费.
Independent Student
For federal student aid purposes, students who meet at least one of the following criteria:
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- 24 years of age or older by Dec. 31 of the award year
- Veteran of the U.S. Armed Forces
- Graduate/professional student
- Married
- Ward of the Court (until age 18) or both parents deceased
- 法定受抚养人(配偶除外)，学生为其提供一半以上的子女抚养费
- Serving on active duty in the armed forces for other than training purposes.
Institutional Aid
Financial aid available through the school. Usually consists of need-based grants and/or academic merit scholarships. There is typically no expectation of repayment or services to be performed however some endowed scholarship opportunities may require additional service / volunteerism or repayment if the terms & conditions of the scholarship are not met by the student.
Institution
A postsecondary educational institution. The terms, “学校/学院/大学”和“机构”可互换使用，指专上教育机构.
Interest
The fee charged to borrow money. 学生除偿还本金(借款金额)外，还要向贷款人支付利息。. Usually, interest is calculated as a percentage of the principal and paid in monthly payments.
IRS
Internal Revenue Service.
ISIR - Institutional Student Information Report
发送给学生所在学校的表格，就像发送给学生的学生援助报告一样. ISIR包含家庭的财务信息，并表明学生获得援助的资格.
Legal Dependent (of Applicant)
A natural or adopted child, or a person for whom the applicant has been appointed legal guardian, and for whom the applicant provides more than half support. In addition, 与申请人同住并获得至少一半资助的人，并将在奖励年度内继续获得该资助. A student who has a legal dependent is independent. For purposes of determining dependency status, a spouse is not considered a legal dependent.
Legal Guardian
An individual appointed by a court to be a legal guardian of a person and who is specifically required by the court to use their own financial resources to support that person. A legal guardian is not considered a parent.
Lender
The party that gives you a loan, whether it be a bank, credit union, savings and loan association, a college, the government, or another organization.
Loans
Awards made with a formal agreement for repayment with interest.
借方为获得贷款而签署的法律文件，借方在其中承诺偿还贷款, with interest, in specified installments. The MPN will also include any information about the grace period, deferment or cancellation provisions, and the student’s rights and responsibilities with respect to the loan.
Matriculated
被某一机构录取，在符合条件的课程中获得学位或证书.
Merit Award/Scholarship
Financial aid which is awarded based on demonstrated academic excellence, professional promise, and personal merit during a student’s high school career. Merit awards at Susquehanna are fixed and do not increase annually.
根据学生在FAFSA上的经济情况或需要，授予学生资助.
Net Price Calculator
Net price calculators are available on a college’s or university’s website and allow prospective students to enter information about themselves to find out what students like them paid to attend the institution in the previous year, after taking grants and scholarship aid into account. Susquehanna University also has a Financial Planning website for current students to prepare for cost associated with the upcoming academic year.
NSLDS - National Student Loan Data System
The U.S. Department of Education’s central database for student aid. Students can access information on loan or grant amounts, outstanding balances, the status of their loans, and disbursements.
A percentage of your loan amount charged by the lender for the processing of your loan. Federal student loans have an origination fee; therefore, the amount you may receive as a disbursement may be slightly lower than the amount you accept.
Outside Scholarships
A scholarship not awarded by the university or the government (federal/state). A scholarship that comes from an external party. For example, 来自高中或当地非营利组织的奖学金将被视为校外奖学金.
The student’s natural mother, father, or an adoptive parent is the student’s mother or father, as is the stepparent. A legal guardian is not considered a parent.
Part-Time Student
One who attends an institution on less than a full-time basis as defined by the institution. At Susquehanna, a student taking less than 12 credits would be consider part-time. 非全日制学生按学分收取学费，并且不保证在萨斯奎汉纳获得住房. 非全日制学生也可能没有资格获得所有形式的经济援助，因此，如果你正在考虑非全日制入学, please contact Student Financial Services.
Pell Grant
一项联邦助学金，用于在年度FAFSA中表现出特殊经济需求且未获得学士学位的本科生, graduate, or professional degree. 与贷款不同，联邦佩尔助学金不需要偿还，除非在某些情况下. You may not receive Federal Pell Grant funds from more than one school at a time.
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- Maximum Pell Grant Eligibility: ability of a student to receive a maximum Pell Grant (amount determined annually by Congress) which depends on annually published federal poverty guidelines; the U.S. tax return adjusted gross income (or the equivalent for foreign tax filers); state of legal residence; family size; and tax filing status.
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Minimum Pell Grant Eligibility根据每年公布的联邦贫困指导方针，学生获得最低佩尔助学金的能力, Adjusted Gross Income (or the equivalent for foreign tax filers), state of legal residence, and family size.
PHEAA - Pennsylvania Higher Education Assistance Agency
管理宾夕法尼亚学生资助计划的州立机构，也是私人学生贷款的提供者，如PA Forward.
PIN - Personal Identification Number
Issued by the U.S. Department of Education for a student and a parent separately. 个人识别码作为一个标识符，提供电子访问个人联邦学生援助信息.
Professional Judgment
While the method for determining student’s need for federal student aid is defined in the law, the law does give financial aid administrators professional judgment. Professional judgment can be used in three areas:
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- 如果学生符合联邦指导方针，援助管理员可以选择推翻学生的依赖状态，使学生独立,
- the administrator can adjust the components of the student’s cost of attendance if they meet federal guidelines; and
- 如果符合联邦指导方针，管理员可以调整用于计算学生预期家庭贡献的数据元素.
These adjustments must be made on a case-by-case basis, and the reasons for the adjustment must be documented in the student’s file.
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- Special Circumstances: special or extenuating situations (such as the loss of a job) that impact a student’s financial condition and support a financial aid administrator adjusting data elements in the COA or in the SAI calculation on a case-by-case basis.
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Unusual Circumstances:证明财政援助管理员对学生的依赖状态进行调整的条件, commonly referred to as a dependency override, based on an unusual situation (e.g., human trafficking or parental abandonment).
Provisionally Independent Student
如果学生表明他们有不寻常的情况或第一次表明他们无人陪伴和无家可归, or at risk of being homeless (without a designation from a specified entity), FPS将认为学生暂时独立，并允许他们以独立学生的身份填写FAFSA表格. 在学生的学院或职业学校做出最终决定之前，SAI将是临时的，而不是正式的. ISIR将有一个特定的拒绝代码，将要求财政援助管理员(FAA)审查, and if applicable, confirm the student’s independent status. 美国联邦航空局将决定学生的情况是否使他们有资格独立申请, if so, make any necessary updates to formally make the student independent.
FAFSA filed by an applicant who applied for federal financial aid in the previous year. Filed online, 续签FAFSA预先填写了申请人的信息，预计每年不会改变.
Resident Student
在学年期间不与父母或监护人住在一起的全日制本科生. At Susquehanna full-time undergraduate students are required to live on-campus. Independent students may request to live off-campus by contacting Residence Life.
Satisfactory Academic Progress (SAP)
Progress required of a financial aid recipient according to the school’s approved published policy.
Scholarship
A form of financial assistance which does not require repayment or employment and is made to a student who demonstrates or shows potential for distinction at an institution, usually in academic performance. As a Division III NCAA member, Susquehanna is prohibited from offering any type of scholarship for athletic leadership.
SSN
Social Security Number.
Student Aid Index (SAI)
The Student Aid Index (SAI) is an eligibility index number that your college’s or career school’s financial aid office uses to determine how much federal student aid you would receive if you attended the school. This number results from the information that you provide on your FAFSA ® form annually.
Student Financial Services (SFS)
SFS is a one-stop shop for student-finance related services, such as applying for financial aid, paying a tuition bill, supporting financial literacy efforts, and all of the services necessary to inform a thoughtful educational investment by students, families and supporters.
Income earned from wages, salaries, and tips as well as interest income, dividend income, business, or farm profits, and rental or property income.
Truth-in-Lending Statement
提供给贷款接受者的文件，描述了学生所获得的贷款的利率和其他相关信息. The use of the statement is required by the Consumer Credit Act. The Title IV loan programs are exempt from compliance with Truth-in-Lending.
Tuition Payment Plans
一种付款方式，将高等教育的现期费用延期支付. 要通过Nelnet Campus Commerce注册支付计划，请通过以下方式登录您的学生帐户中心门户 MyNest. Parents will need to be granted access by the student prior to logging in to the account.
Contact Student Financial Services via email (sfs@hfhotel.net)，询问有关如何计算秋季学期账单总额和付款计划的问题. 对于付款计划，NELNET每学期收取50美元的注册费，如果错过付款，则收取25美元的滞纳金.
特定学生的总可用资源与学生在特定机构出勤的总成本之间的差额.
Untaxed Income
所有未向美国国税局(IRS)报告或已报告但不征税的收入. Such income would include, but not be limited to, any untaxed portion of Social Security benefits, Earned Income Credit, welfare payments, untaxed capital gains, interest on tax-free bonds, dividend exclusion, and military and other subsistence and living allowances.
Administered assistance programs for veterans and their dependents.
Verification
学校检查学生在经济援助申请中报告的信息的程序, usually by requesting a copy of the tax returns filed by the student and, if applicable, the student’s spouse and parent(s). Many schools conduct their own form of verification. In addition, schools must verify students selected through the federal central processing system, following the procedures established by regulation. The contractor will print an asterisk next to the expected family contribution (on the Student Aid Report) to identify students who have been selected for verification. If the U.S. Department of Education selects your FAFSA for verification, your aid will be on hold until you complete all requirements.
Veterans Educational Benefits
为退伍军人、服役人员或退伍军人家属提供的教育或培训援助计划(1).e. Montgomery GI Bill).
Veteran
A person who has served on active duty in the Army, Navy, Air Force, Marines or Coast Guard, and who was discharged other than dishonorably. Veterans are independent. There is no minimum length of service requirement.
Vocational Rehabilitation
Programs administered by State Department of Vocational Rehabilitation Services to assist individuals who have a physical or mental disability which is a substantial handicap to employment.