Question 1

What is a Financial Aid Award Letter?

Accepted Answer

In this session we will discuss the follow: 1.   How to read and interpret your financial aid package.  2.  Differences between grants, scholarships, work-study, and loans.  3.  Expected Family Contribution (EFC) vs. Student Aid Index (SAI)

Question 2

What are the different types of Financial Aid?

Accepted Answer

In this session we will clarify the following:  1.  Federal grants (Pell Grant, FSEOG, etc.)
2.  State grants and institutional aid.  3.  Scholarships (merit-based, need-based, external sources).  4.  Work-study programs.  5.  Federal vs. private student loans.  6.  Subsidized vs. Unsubsidized loans

Question 3

How do I accept or decline financial aid awards that are offered to me?

Accepted Answer

In this session we will discuss the following:  1.  Steps to accept, reduce, or decline aid.  2. 
 Prioritizing grants and scholarships before loans.  3.  Understanding loan terms and responsibilities.

Question 4

What is my Total Cost of Attendance (COA)?

Accepted Answer

In this session we will define Cost of Attendance with relation to financial need:  1.  Tuition, fees, room & board, and other expenses.  2.  Indirect costs (books, transportation, personal expenses).  3.  Managing unmet financial need.

Question 5

What is Financial Aid Disbursement & Refunds?

Accepted Answer

In this session we will explain how Financial Aid is applied to student accounts:  1.  How and when aid is disbursed to the school.  2.  Refund checks: should you keep or return excess funds?

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