Financial aid is money provided to help pay for college expenses. It includes grants, scholarships, work-study, and loans from the federal government, state, schools, or private organizations. Students apply for financial aid by completing the FAFSA and may need to submit additional forms depending on the school. Financial aid packages from schools combine different types of aid and may only partially cover a student's financial need. Carefully considering aid packages is important when choosing a college.
This presentation offers undergraduate college students information about how to apply for tuition assistance. It all begins with the Free Application for Federal Student Aid (FAFSA). The presentation is part of a career pathway series for California college students. Tabakian, Inc. offers career pathway services for traditional and nontraditional students through seminars, workshops, and personal consultations. Seminars and workshops on academic entrepreneurialism are also available.
This presentation offers undergraduate college students information about how to apply for tuition assistance. It all begins with the Free Application for Federal Student Aid (FAFSA). The presentation is part of a career pathway series for California college students. Tabakian, Inc. offers career pathway services for traditional and nontraditional students through seminars, workshops, and personal consultations. Seminars and workshops on academic entrepreneurialism are also available.
We’ve put together a brief presentation to explain the language you’ll encounter when borrowing a college loan, how to differentiate between lenders, and ways to make sure you borrow wisely.
If you have a high school senior starting to receive college acceptances, congrats! The admissions process is a long road, and your family is nearing the end of it. But one of the most important steps – figuring out how to pay the college bill – still needs to be completed.
Nov. 10, 2011 Wissahickon HS Financial Aid NightChristopher
Fran McKeown, a representative from PHEAA (Pennsylvania Higher Education Assistance Agency), presented to parents and students of Wissahickon HS about financial aid.
It’s important to understand the differences among all of your college loan options. This presentation provides guidance on comparing interest rates, calculating total loan cost, and what to read in the fine print.
If you’re beginning repayment on a student loan soon (or know someone who is), it’s important to understand the process and to stay on track. Keeping up to date with student loan payments is necessary to build a solid credit history and maintain strong financial health.
Nontraditional students include adult learners pursuing secondary education for the first time, single parents, and those with a full-time job seeking to take classes part-time. This guide offers tips, resources, and a directory of scholarships and grants designed for nontraditional students.
Students will learn about how the different forms of financial aid can help them finance their college education, and how to obtain funding help when paying for college.
We’ve put together a brief presentation to explain the language you’ll encounter when borrowing a college loan, how to differentiate between lenders, and ways to make sure you borrow wisely.
If you have a high school senior starting to receive college acceptances, congrats! The admissions process is a long road, and your family is nearing the end of it. But one of the most important steps – figuring out how to pay the college bill – still needs to be completed.
Nov. 10, 2011 Wissahickon HS Financial Aid NightChristopher
Fran McKeown, a representative from PHEAA (Pennsylvania Higher Education Assistance Agency), presented to parents and students of Wissahickon HS about financial aid.
It’s important to understand the differences among all of your college loan options. This presentation provides guidance on comparing interest rates, calculating total loan cost, and what to read in the fine print.
If you’re beginning repayment on a student loan soon (or know someone who is), it’s important to understand the process and to stay on track. Keeping up to date with student loan payments is necessary to build a solid credit history and maintain strong financial health.
Nontraditional students include adult learners pursuing secondary education for the first time, single parents, and those with a full-time job seeking to take classes part-time. This guide offers tips, resources, and a directory of scholarships and grants designed for nontraditional students.
Students will learn about how the different forms of financial aid can help them finance their college education, and how to obtain funding help when paying for college.
Comparing college financial aid award letters can be a tricky task. This presentation can guide you through the steps and help you identify what's important to pay attention to.
If you have a student headed to college in the fall, you’ll need to start putting together a plan to pay the college bill. We’ve created a presentation below that walks through all of your options, as well as explaining your financial aid, the college waitlist, and the timeline of the next few months.
If you have a student headed to college in the fall, you’ll need to start putting together a plan to pay the college bill. We’ve created a presentation below that walks through all of your options, as well as explaining your financial aid, the college waitlist, and the timeline of the next few months.
MEFA's presentation outlines the things families need to know about paying their college bill. Learn about financial aid (and types), and how to select a college loan.
College is a life-changing event – for students and parents alike – and so much about it has changed since today’s parents were college students themselves. This presentation was designed to help parents of college-bound students understand the ever-changing college landscape and help them navigate it with confidence.
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
The French Revolution, which began in 1789, was a period of radical social and political upheaval in France. It marked the decline of absolute monarchies, the rise of secular and democratic republics, and the eventual rise of Napoleon Bonaparte. This revolutionary period is crucial in understanding the transition from feudalism to modernity in Europe.
For more information, visit-www.vavaclasses.com
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Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
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He discussed the concept of quality improvement, emphasizing its applicability to various aspects of life, including personal, project, and program improvements. He defined quality as doing the right thing at the right time in the right way to achieve the best possible results and discussed the concept of the "gap" between what we know and what we do, and how this gap represents the areas we need to improve. He explained the scientific approach to quality improvement, which involves systematic performance analysis, testing and learning, and implementing change ideas. He also highlighted the importance of client focus and a team approach to quality improvement.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
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4. What is Financial Aid?
Money to help you pay for
college, provided through the
federal government, state,
school, or a private business
or organization.
5. How financial aid is awarded
Need based
Awarded based on a family’s financial need
Merit based
Awarded for a talent: academic, athletic, etc.
7. Cost of Attendance (COA)
Cost of Attendance includes
direct costs (those on your tuition
bill) and indirect costs (such as
books and living expenses)
• Tuition and fees
• Room and board
• Books and supplies
• Transportation
• Personal expenses
• Miscellaneous
8. Expected Family Contribution (EFC)
• Parent’s prior year income
• Student’s prior year income
• Value of parent’s assets
• Value of student’s assets
• Number in household
• Number in college
• Age of oldest parent
The government determines your EFC when you submit a FAFSA.
Many factors affect your EFC, each having a different weight.
9. Unmet need
• Schools are not always able to offer as much financial aid
as you may be eligible for
• When need is not fully met, there is said to be a “gap”
• Most schools do not cover 100% of the “gap” or remaining
financial need
11. Types of Aid
There are 4 types of financial aid, broken into two categories
Gift Aid is money that doesn’t need to be repaid.
• Grants
• Scholarships
Self-help Aid adopts a self-investment philosophy.
• Loans
• Work-study
13. • Grants for financially needy undergraduates awarded through
the college financial aid office.
• 2013-2014 max award: $5,645
Federal Pell Grants
14. Federal Supplemental Educational
Opportunity Grant (FSEOG)
• For undergraduates pursuing first baccalaureate or professional
degrees
• Awarded first to students with exceptional financial need
• Priority is given to PELL Grant recipients
Annual Award Amounts
Minimum $100
Maximum $4,000
15. Federal Work Study
• Provides part-time employment
• Pay must be at least federal minimum wage and paid on an hourly
basis
• Work-study jobs may be on or off campus
• Employer may be the college, a non-profit community agency, or a
profit organization
16. Federal Perkins Loan
• Long term loan: must be repaid with interest
• 5% fixed interest rate
• 10-year maximum repayment period
• Awarded based on financial need to undergrad &
graduate students
• Each school has limited funds to award each year
• Your school is your lender
• Grace period is 9 months
• Annual maximum: $5,500 for undergraduates
$8,000 for graduates
17. Federal Direct Stafford Loan
Subsidized
Federal government pays interest while student is in school and in their grace
period
Awarded to students whose families can prove financial need
Unsubsidized
Student is responsible for all interest charges accrued while in school
Awarded to students whose families cannot prove financial need
18. Federal Stafford Loan
Student Type Subsidized Limit
Subsidized
& Unsubsidized Limit
Dependent Undergrad $23,000 $31,000
Independent Undergrad $23,000 $57,500
Graduate Student $65,500 $138,500
Year in School
Annual Limit
(Subsidized & Unsubsidized)
Additional Unsub Loan Limit
(independent students only)
First Year $3,500 Sub + $2,000 Unsubsidized $6,000
Second Year $4,500 Sub + $2,000 Unsubsidized $6,000
3rd – Fifth Year $5,500 Sub + $2,000 Unsubsidized $7,000
Graduate Students $8,500 Unsubsidized $12,000
Annual Loan Limits 2013-2014
Aggregate Loan Limits
19. Federal Stafford Loan
Interest Rates Sub Unsub
2008-2009 6.0% 6.8%
2009-2010 5.6% 6.8%
2010-2011 4.5% 6.8%
2011-2012 3.4% 6.8%
2012-2013 3.4% 6.8%
2013-2014 3.86% 3.86% for undergrad
5.41% for graduate
2013-2014 loans have a 1.05% fee
20. Federal Direct PLUS Loan
You may borrow up to the Cost of Attendance minus financial aid
Interest rate for 2013/14: 6.41%
4.204% fee
Repayment: 10 years, extended options may be available dependent
upon your balance.
Can defer principal payment until 6 months after graduation.
Must arrange to pay interest during deferment or it to be added on to
loan principal
22. State Grants
• Amount awarded depends on the state you live in
• Awards typically available to residents of that state only
• Application procedures vary. To apply for a state grant in Rhode
Island, you must submit the FAFSA by March 1.
23. State-based loans
• Offered through non-profit agencies throughout the US.
• To receive a loan from a particular state-based agency,
you usually need to either:
• Be a resident of that state
• Go to school in that state
• Typically very competitive interest rates – often fixed
• Make sure you understand the rates, fees and terms with
the state-based lender before you borrow
25. Scholarships
• Local scholarships are often easier to get than national scholarships.
• Scholarships aren’t just for straight-A students. Many are based on
need or are awarded to students with certain traits or interests.
• You should never pay a service to find you scholarships. They are
typically scams!
• Don’t narrow your search to just the internet. Ask your guidance
counselor, read the local newspapers and check postings at your local
library.
• Persist! Your scholarship search can’t be completed in a single day.
• If you live in Rhode Island, start your
search at www.RIScholarships.org.
26. Private Loans
• Generally in the student’s name
with a credit-worthy co-signer
• Rates, fees, and terms are
dependant on the lender and
program so make sure to
investigate each program
thoroughly
• May be deferred or immediate
repayment
• Usually a variable interest rate,
but some programs offer fixed
rates
28. Institutional Grants
• Schools award institutional grants based on financial need.
• May use the federal methodology or institutional
methodology for determining your financial need
• Amount of grants can vary widely depending upon how much
money the school has available
• Some prestigious colleges offer such generous grants so that
the financially neediest students can still afford to attend
29. Merit Based Aid
• Based on academic
• Varies by school
• SAT score tends to be a factor
• Check admissions for their policies
• What do you have to do to keep it?
• What happens if you do not maintain
GPA?
30. College-based Loans
• Some schools have an institutional loan program.
• Terms will vary from school to school.
• Your financial aid office will let you know if a program is
available.
• Make sure you understand rates and terms. You don’t have
to accept a loan just because it is listed on your financial
aid award letter.
32. Applying for financial aid
• Apply for a PIN at
www.pin.ed.gov
• Complete the FAFSA
• REQUIRED by every school to qualify for
federal financial aid
• Apply online at www.fafsa.ed.gov ASAP
after January 1
• Complete the CSS PROFILE, if
required by your schools of
choice
• Pay attention to financial aid
deadlines at your school
STEP 1
33. Applying for financial aid
• File any supplemental financial aid forms required by
your school
• Let the financial aid office know of any special
circumstances that may affect your family’s ability to fund
your education
• Send in any documents the financial aid office at your
school(s) requires to complete your application
STEP 2
34. Applying for financial aid
• Look over your Student Aid Report (SAR)
• Receive 2-3 weeks after completing the FAFSA
• Review all information for accuracy
• Information can be corrected if necessary
• Before correcting, contact the financial aid office
• Review CSS PROFILE acknowledgement report,
if applicable
STEP 3
35. Applying for financial aid
• Review Financial Aid Package/Award Letter from
school(s)
• Includes details of award: grants, scholarships, loans, and work-study
• Accept, deny or appeal any portion of the package
• Acceptance will safeguard the award
STEP 4
36. Completing the FAFSA
• Read the instructions as you complete the FAFSA
• Fill in all the blanks (“n/a” or “0” when applicable)
• Ask questions when you don’t understand the
instructions
• Make it a family event
Estimating income is okay – you can make
corrections after completing your federal tax return
If you have a loss of income, contact the financial
aid office
37. Financial aid packages
Example Cost of Attendance $35,000
Example EFC $10,000
Financial Need $25,000
Type of Aid College 1 College 2 College 3
Grants/Scholarships $12,000 $18,000 $21,000
Work-Study $1,000 $1,500 $2,000
Student Loans $5,500 $5,500 $5,500
Total $16,500 $23,000 $25,000
Unmet Need/Gap $8,500 $2,000 $0
Example packages:
38. Meeting a student’s needs
Choose your college wisely
• Not all colleges will meet 100% of need
• The College Planning Center can help you identify good value
schools that are a match for your goals
Private colleges generally
• Meet a higher percentage of need
• Award a higher percentage of gift aid
Many students can attend a private college for the
same cost as a public university
