FAQ Model for Student Verification

Student Verification FAQ Questions and Answers (sorted by Student-FAQ-ID)
ID	Question	Category	Generic Response (Default Answer)	Additional Utterances
001	What is the Financial Aid process?	Applying for Aid	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?
002	Is my school accredited?	Accreditation	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?
003	What is Accreditation?	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?
004	Are there scholarships available specifically for students in this major?	Scholarships	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.
005	What are the tuition and fees?	Educational Cost	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?
006	How can I afford school?	Educational Cost	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.
007	Are there work study positions available?	Work Study	Refer to your school catalog or speak to a financial aid officer to see if Federal Work Study is available at your school.
008	What is the payment due date deadline?	Payments	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?
009	How can I meet with someone in financial aid?	Financial Aid	You can make an appointment with your advisor to discuss any financial aid needs.
010	What is cost of attendance?	Educational Cost	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?
011	What is expected family contribution (EFC)?	Family Contribution	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?
012	What is an academic year?	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?
013	What is Adjusted Gross Income?	Verification	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?
014	What is default?	Loan Repayment	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
015	What is an approved drug rehabilitation program?	General	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.
016	What is an Associate Degree?	Education Credential	An Associate's degree is an undergraduate degree typically completed in 2 years.
017	What is a loan?	Educational 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?
018	What is an Award Year?	Applying for Aid	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.
019	What is a Bachelor's Degree?	Education Credential	A bachelor's degree is an undergraduate degree typically completed in 4 years.
020	What is a budget?	Educational Cost	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
021	What is a collection agency?	Collections	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.
022	What is an award letter?	Packaging	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?
023	What is a loan principal?	Educational Loan	Loan principal is the amount you owe, not including interest charges.	What is principal? What's principle? Whats principle?
024	What is interest?	Educational Loan	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.
025	What is loan forgiveness?	Loan Repayment	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
026	What is a grace period?	Loan Repayment	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
027	What is deferment?	Loan Repayment	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
028	What is forbearance?	Loan Repayment	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
029	What is a lender?	Loan Repayment	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
030	What is a collection cost?	Collections	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?
031	What is college aid?	Applying for 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.
032	What is common-law marriage?	General	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
033	What is loan consolidation?	Loan Repayment	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?
034	What is a direct cost?	Educational 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?
035	What is a credit bureau?	General	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.
036	What is a default rate?	Loan Repayment	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?
037	What does it mean to be delinquent?	Collections	Delinquency means payments are past due. Delinquency can refer to payments you owe to your school or payments due to a lender.
038	What is dependency status?	Applying for Aid	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
039	What is a diploma mill?	General	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.
040	Can I get a PLUS loan if I am a graduated or professional student?	Educational Loan	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
041	What is a direct subsidized loan?	Educational 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.
042	What is a PLUS Loan?	Educational 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
043	What is a disbursement?	Packaging	A disbursement is a single payment of a financial aid award. This is typically one half or one third of the total award.
044	What is a disbursement date?	Packaging	A disbursement date is the date a disbursement is paid to the school.
045	What is discretionary income?	Loan Repayment	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.
046	What is early action?	Applying for Aid	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.
047	What is an early decision?	Applying for Aid	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.
048	What is an electronic debit?	Payments	Electronic debit is a way to transfer money (make a payment) electronically.
049	What is ACH?	Payments	ACH stands for Automatic Clearing House and is a way to transfer money (make a payment) electronically.
050	What is an eligible non-citizen?	Applying for Aid	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
051	What is an emancipated minor?	Applying for Aid	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.
052	What is an endorser?	Educational Loan	An individual who agrees to pay the loan if the borrower fails to do so.
053	What is entrance counseling?	Educational Loan	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
054	What is exit counseling?	Educational Loan	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
055	What is the FAFSA form?	Applying for 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	What is FAFSA on the web? What is FAFSA? Where do I fill out my FAFSA?
056	What is the Federal Pell Grant?	Educational 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?
057	What is a Federal School Code?	Applying for Aid	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.
058	What is my school's Federal School Code?	Applying for Aid	On the FAFSA you can search for schools by entering the state and school name if you don't know the Federal School Code.
059	What is a federal student aid pin?	Applying for Aid	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
060	What is Federal Work Study?	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.
061	Does my school have a Federal Work Study Program?	Work Study	Refer to your school catalog or speak to a financial aid officer to see if Federal Work Study is available at your school.
062	What is a Financial Aid Officer?	General	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.
063	How do I contact my Financial Aid Office?	General	You can make an appointment with your advisor to discuss any financial aid needs.
064	Who is my Financial Aid Officer?	General	Visit Contact Us on the Student Portal or refer to the school catalog
065	What is financial need?	Educational Cost	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.
066	What is an FSA ID?	Applying for Aid	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
067	What is a GED?	General	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?
068	What is a graduation rate?	General	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
069	What is a grant?	Educational 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
070	Am I considered homeless?	General	Homeless means lacking fixed, regular and adequate housing. Please contact your financial aid administrator for additional questions related to determining your eligibility.
071	What is homeschool?	General	A home school is where children are taught at home instead of attending a public or private school.	What is home school?
072	What is an independent student?	Applying for Aid	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?
073	What is indirect cost?	Educational 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?
074	What is a job placement rate?	General	Speak with your career services department to find out more about your college's job placement rate.
075	What is my school's job placement rate?	General	Job placement rates measure the percentage of students who are placed in occupations related to what they studied in school.
076	What is legal guardianship?	General	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.
077	What is an LEU?	Applying for Aid	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
078	What is a loan date?	Educational Loan	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?
079	What is a loan holder?	Educational Loan	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.
080	What is a loan period?	Educational Loan	A loan period is the time frame for which loans are awarded, which is commonly an academic year.
081	What is a loan period begin date?	Educational Loan	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.
082	What is a loan period end date?	Educational Loan	A loan period end date is the last day of a loan period.
083	What is loan rehabilitation?	Loan Repayment	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
084	What is a loan servicer?	Loan Repayment	Loan services collect payments on loans and handle other administrative functions necessary for maintaining a loan.
085	Who is my loan servicer?	Applying for Aid	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.
086	What is an MPN?	Educational Loan	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?
087	What does merit-based mean?	Packaging	Merit based aid is financial aid that is awarded based on factors other than financial need such as academic merit, talent, community service, etc.
088	What is NSLDS?	General	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?
089	Where can I find information on my loans?	General	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.
090	What does need-based mean?	Applying for Aid	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
091	What is net price?	Educational Cost	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.
092	What is a net price calculator?	Educational Cost	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.
093	What is a new borrower?	General	A new borrower is considered to be an eligible student that did not have a student loan prior to the active loan being disbursed.
094	Who is an out-of-state student?	General	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
095	What is outstanding principal?	Educational Cost	Outstanding principal is the remaining balance of your loan.
096	What is outstanding interest?	Loan Repayment	Outstanding interest is the dollar amount of the accrued interest balance on your loan.
097	What is an over payment?	Payments	An over payment occurs when funds disbursed to a student are in excess of their need.	What is an overpayment?
098	What is a private loan?	Educational 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.
099	What is a proprietary school?	General	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?
100	What is a non-profit school?	General	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.
101	What are qualified public services?	General	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
102	What is a regular student?	General	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?
103	What is a repayment date?	Loan Repayment	The repayment date is the date you are obligated to begin repaying of the principal and interest on your loan.
104	What is a retention rate?	General	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.
105	What is my school's retention rate?	General	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.
106	What is room and board?	Educational Cost	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.
107	What is SAP?	General	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?
108	What is a scheduled award?	Packaging	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?
109	What is a teach-out plan?	General	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?
110	What is total borrowed?	Educational Loan	The total amount borrowed for attending school from all loan types and all years attended.
111	What is a transfer rate?	General	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?
112	What is the Treasury Offset Program?	General	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?
113	What is Verification?	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.
114	What is V1?	Verification	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?
115	What is V4?	Verification	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?
116	What is V5?	Verification	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
117	What is a ledger card?	General	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?
118	What is adverse credit history?	General	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
119	What is Title IV?	Educational Grant	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
120	What aid earned mean?	General	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.
121	What is an annual award?	Financial Aid	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.
122	What is an annual loan limit?	Educational Loan	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?
123	What is ability to benefit?	General	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?
124	What is athletically related student aid?	Scholarships	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?
125	What is an automatic zero EFC?	Educational Cost	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
126	What is BBAY?	Academic Year	Borrower-Based Academic Year	What is a borrower based academic year?
127	What is SAY?	Academic Year	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?
128	What is BIA?	General	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?
129	What is a book voucher?	General	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.
130	What is a borrower?	General	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.
131	What is a branch campus?	General	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?
132	What is a campus?	General	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?
133	What are campus-based programs?	General	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).
134	Where can I find my campus security records?	General	Please refer to your school catalog to find out where to find campus security records.
135	What is the Central Processing System Student Account Internet Gateway?	General	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.
136	Who is my campus president?	General	Please refer to your school catalog to locate the name of your campus president.
137	Who is my academic advisor?	General	Please contact your school to find out who your academic advisor is, or visit your student portal.
138	What is my schedule?	General	Please contact your registrar or academic advisor to discuss your schedule.
139	What is Children of Fallen Heroes?	General	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.
140	What is Children of Iraq and Afghanistan Soldiers?	General	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.
141	What is CPS?	General	The Central Processing System (CPS) uses information on the FAFSA to calculate an EFC and communicate results to students and schools.
142	What is COD?	General	Common Origination and Disbursement (COD) is a Department of Education system used to track the awards and payments of student's federal student aid.
143	What is the Clery Act?	General	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?
144	What is a clock hour?	General	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
145	What is a credit hour?	General	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.
146	What is a clock to credit hour conversion?	General	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.
147	What are comment codes?	General	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.
148	What is competency-based education?	General	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?
149	Does my school offer competency-based credits?	General	Refer to your school catalog to see if competency-based credits are offered.
150	What is conditional acceptance?	General	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.
151	What is a consortium?	General	A consortium is an association of two or more organizations working together toward a common goal.
152	What is a consortium agreement?	General	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.
153	What is consumer information?	General	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.
154	What is continuing education?	General	Continuing Education commonly refers to units (CEU) required for certain professions to maintain certifications or licenses.
155	How can I get a copy of my enrollment agreement?	General	Contact your admissions office for a copy of your enrollment agreement.
156	What is an enrollment agreement?	General	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.
157	What is a correspondence course?	General	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.
158	Does my school offer correspondence courses?	General	Refer to your school catalog or speak to see if correspondence courses are offered.
159	Does my school offer online classes?	General	Refer to your school catalog or speak to see if online classes are offered.
160	What are online courses?	General	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.
161	What is a credit balance?	Payments	A credit balance can occur if more money is paid to your account is more than the charges.
162	What is a Title IV credit balance?	Payments	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
163	What is a credit check?	Educational Loan	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?
164	What is a crossover payment period?	Academic Year	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.
165	What is a payment period?	Academic Year	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 .
166	What is a DD214?	General	The DD214 is the Department of Defense form 214. It is the form, received at separation, that certifies a veteran's service.
167	How can I get a copy of my DD214?	General	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/
168	What is a professional judgement?	Applying for Aid	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
169	What is a dependency override?	Applying for Aid	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.
170	What is a dependent student?	Applying for Aid	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?
171	What is DHS?	General	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/
172	What is a FFLEP Loan?	Educational Loan	FFLEP loans were a system of private loans guaranteed by the Education Department	What is the Federal Family Loan Education Program?
173	What are disclosures?	Applying for Aid	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.
174	What is DOB?	General	DOB stands for date of birth.	What is the acronym for date of birth?
175	What is DOD?	General	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.
176	What is ED?	General	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?
177	What is Enrollment Status?	General	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
178	What is an ESL Program?	General	English as a Second Language	What is ESL?
179	What is E-sign?	General	E-Sign or electronic signature allows legal recognition of documents signed electronically.	What is e sign? What is esign?
180	What is failure to register?	Applying for Aid	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?
181	What is FERPA?	General	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
182	What is household size?	Applying for Aid	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?
183	What is an FAO?	General	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.
184	What is a Perkins Loan?	Educational 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.
185	What is FSA?	General	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
186	What is FSEOG?	Educational Grant	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.
187	What is a Financial Aid Appeal?	Applying for Aid	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.
188	What is a Financial Aid Package?	Packaging	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?
189	What is Academic Probation?	General	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
190	What is a Financial Aid Warning?	General	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.
191	What is a First-Time Borrower?	General	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
192	What is a First-Time Student?	General	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
193	What is a fixed interest rate?	Loan Repayment	A fixed rate means that the interest rate will remain the same for the life of your loan.
194	What is a variable interest rate?	Loan Repayment	A variable rate means that the interest rate will change, or vary, throughout the life of your loan.
195	What is the interest rate on my loans?	Loan Repayment	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?
196	What is a full time student?	General	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?
197	What is half time?	General	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
198	What is three-quarter time?	General	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.
199	What is grade level progression?	Applying for Aid	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.
200	What is a guaranty agency?	Educational Loan	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.
201	What if I can't make my payment?	Loan Repayment	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?
202	What is an ISIR?	Applying for Aid	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.
203	How do I correct my FAFSA?	Applying for Aid	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?
204	Do I need my tax return?	Verification	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?
205	Do my parents need their tax return?	Verification	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?
206	Where is my award letter?	General	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.
207	Is my file complete?	General	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.
208	What is a Verification Worksheet?	Verification	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.
209	Where can I find my completed documents?	General	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?
210	How do I update my address?	General	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?
211	How long does this verification take?	Verification	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.
212	What if my parent is also attending school?	Applying for Aid	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?
213	What if I have a sibling in school?	Applying for Aid	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?
214	I worked, but did not file taxes.	Applying for Aid	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
215	Do I have to reapply for financial aid every year?	Applying for Aid	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.
216	How do I apply for Pell grant?	Applying for 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
217	Where can I get information about Federal student financial aid?	Applying for 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?
218	Are work-study earnings taxable?	Work Study	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?
219	Where can I get a copy of the FAFSA?	Applying for Aid	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).
220	When can I renew my FAFSA?	Applying for Aid	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.
221	Am I required to file taxes every year?	Applying for Aid	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?
222	I forgot to sign my FAFSA	Applying for Aid	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.
223	My parent forgot to sign the FAFSA	Applying for Aid	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.
224	What is in-kind support?	General	Goods, services, or support provided instead of money.	What is in kind support? Whats in-kind? What's in kind
225	What is an institutional loan?	Educational 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.
226	What is an interest only payment?	Loan Repayment	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.
227	What is an LDA?	Attendance	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?
228	Can I get a loan if I have a bankruptcy?	Applying for Aid	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.
229	What is a leave of absence?	Attendance	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 Financial Aid office prior to leaving school.	What is an LOA? LOA?
230	What is a module?	General	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.
231	Can I set up automatic payments?	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.
232	What is nonterm?	General	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
233	How long will I qualify for loans?	Educational Loan	Most federal and private loans used to pay for college are available as long as you are enrolled at your institution.
234	What is an origination fee?	Educational Loan	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.
235	What are available payment methods?	Payments	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?
236	Do I qualify for loans?	Payments	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?
237	Do I qualify for state aid?	General	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?
238	Will financial aid cover study abroad?	General	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
239	What is unusual enrollment history?	General	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?
240	What is untaxed income?	Applying for Aid	Any income that is earned by a student or their parents which does not appear on a Federal tax return.
241	What happens to my aid if I withdraw?	Payments	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.
242	How do I register for selected service?	Applying for Aid	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?
243	What is a direct subsidized loan?	Educational 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
244	What is a direct unsubsidized loan?	Educational 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.
245	Do you offer scholarships?	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/)
246	What kind of financial aid is available?	Applying for Aid	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.
247	Are there Federal Work-Study positions available?	Work Study	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?
248	How can I meet with someone in financial aid?	General	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?
249	What is a scholarship?	Educational 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
250	Does my school offer competency-based credits?	General	Refer to your school catalog to see if competency-based credits are offered.
251	What if I can't make a payment?	Loan Repayment	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
252	What is wage garnishment?	Collections	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?
253	What is a standard term?	General	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? What is a trimester?
254	What is the TEACH grant?	Educational 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?
255	What is a loan period start date?	Educational Loan	A loan period begin date or start date is the first day of a loan period.
256	What does aid earned mean?	General	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.
257	What is a loan?	Educational 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?
258	What is less than half time?	General	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?
259	I need money.	General	Your financial aid or business office can advise you of your loan options.	Give me money for school
260	I am a new mom	Applying for Aid	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
261	When do I get my refund check?	General	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
262	What is a C flag?	General	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
263	I want to cancel my loans,	General	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?
264	How do I change programs?	General	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?
265	Are food stamps taxable income?	Applying for Aid	Food stamps and other government assistance programs are not taxable income.	Am I taxed on food stamps? Are SNAP benefits taxable?
266	Will financial aid cover my housing?	Educational Cost	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?
267	Will financial aid cover my books?	Educational Cost	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?

001

What is the Financial Aid process?

Applying for Aid

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?

002

Is my school accredited?

Accreditation

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?

003

What is Accreditation?

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?

004

Are there scholarships available specifically for students in this major?

Scholarships

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.

005

What are the tuition and fees?

Educational Cost

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?

006

How can I afford school?

Educational Cost

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.

007

Are there work study positions available?

Work Study

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

008

What is the payment due date deadline?

Payments

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?

009

How can I meet with someone in financial aid?

Financial Aid

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

010

What is cost of attendance?

Educational Cost

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?

011

What is expected family contribution (EFC)?

Family Contribution

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?

012

What is an academic year?

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?

013

What is Adjusted Gross Income?

Verification

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?

014

What is default?

Loan Repayment

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

015

What is an approved drug rehabilitation program?

General

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.

016

What is an Associate Degree?

Education Credential

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

017

What is a loan?

Educational 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?

018

What is an Award Year?

Applying for Aid

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.

019

What is a Bachelor's Degree?

Education Credential

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

020

What is a budget?

Educational Cost

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

021

What is a collection agency?

Collections

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.

022

What is an award letter?

Packaging

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?

023

What is a loan principal?

Educational Loan

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

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

024

What is interest?

Educational Loan

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.

025

What is loan forgiveness?

Loan Repayment

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

026

What is a grace period?

Loan Repayment

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

027

What is deferment?

Loan Repayment

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

028

What is forbearance?

Loan Repayment

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

029

What is a lender?

Loan Repayment

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

030

What is a collection cost?

Collections

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?

031

What is college aid?

Applying for 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.

032

What is common-law marriage?

General

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

033

What is loan consolidation?

Loan Repayment

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?

034

What is a direct cost?

Educational 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?

035

What is a credit bureau?

General

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.

036

What is a default rate?

Loan Repayment

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?

037

What does it mean to be delinquent?

Collections

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

038

What is dependency status?

Applying for Aid

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

039

What is a diploma mill?

General

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.

040

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

Educational Loan

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

041

What is a direct subsidized loan?

Educational 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.

042

What is a PLUS Loan?

Educational 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

043

What is a disbursement?

Packaging

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

044

What is a disbursement date?

Packaging

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

045

What is discretionary income?

Loan Repayment

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.

046

What is early action?

Applying for Aid

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.

047

What is an early decision?

Applying for Aid

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.

048

What is an electronic debit?

Payments

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

049

What is ACH?

Payments

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

050

What is an eligible non-citizen?

Applying for Aid

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

051

What is an emancipated minor?

Applying for Aid

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.

052

What is an endorser?

Educational Loan

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

053

What is entrance counseling?

Educational Loan

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

054

What is exit counseling?

Educational Loan

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

055

What is the FAFSA form?

Applying for 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

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

056

What is the Federal Pell Grant?

Educational 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?

057

What is a Federal School Code?

Applying for Aid

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.

058

What is my school's Federal School Code?

Applying for Aid

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

059

What is a federal student aid pin?

Applying for Aid

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

060

What is Federal Work Study?

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.

061

Does my school have a Federal Work Study Program?

Work Study

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

062

What is a Financial Aid Officer?

General

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.

063

How do I contact my Financial Aid Office?

General

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

064

Who is my Financial Aid Officer?

General

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

065

What is financial need?

Educational Cost

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.

066

What is an FSA ID?

Applying for Aid

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

067

What is a GED?

General

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?

068

What is a graduation rate?

General

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

069

What is a grant?

Educational 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

070

Am I considered homeless?

General

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

071

What is homeschool?

General

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

What is home school?

072

What is an independent student?

Applying for Aid

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?

073

What is indirect cost?

Educational 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?

074

What is a job placement rate?

General

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

075

What is my school's job placement rate?

General

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

076

What is legal guardianship?

General

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.

077

What is an LEU?

Applying for Aid

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

078

What is a loan date?

Educational Loan

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?

079

What is a loan holder?

Educational Loan

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.

080

What is a loan period?

Educational Loan

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

081

What is a loan period begin date?

Educational Loan

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.

082

What is a loan period end date?

Educational Loan

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

083

What is loan rehabilitation?

Loan Repayment

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

084

What is a loan servicer?

Loan Repayment

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

085

Who is my loan servicer?

Applying for Aid

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.

086

What is an MPN?

Educational Loan

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?

087

What does merit-based mean?

Packaging

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

088

What is NSLDS?

General

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?

089

Where can I find information on my loans?

General

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.

090

What does need-based mean?

Applying for Aid

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

091

What is net price?

Educational Cost

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.

092

What is a net price calculator?

Educational Cost

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.

093

What is a new borrower?

General

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

094

Who is an out-of-state student?

General

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

095

What is outstanding principal?

Educational Cost

Outstanding principal is the remaining balance of your loan.

096

What is outstanding interest?

Loan Repayment

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

097

What is an over payment?

Payments

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

What is an overpayment?

098

What is a private loan?

Educational 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.

099

What is a proprietary school?

General

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?

100

What is a non-profit school?

General

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.

101

What are qualified public services?

General

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

102

What is a regular student?

General

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?

103

What is a repayment date?

Loan Repayment

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

104

What is a retention rate?

General

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.

105

What is my school's retention rate?

General

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.

106

What is room and board?

Educational Cost

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.

107

What is SAP?

General

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?

108

What is a scheduled award?

Packaging

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?

109

What is a teach-out plan?

General

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?

110

What is total borrowed?

Educational Loan

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

111

What is a transfer rate?

General

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?

112

What is the Treasury Offset Program?

General

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?

113

What is Verification?

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.

114

What is V1?

Verification

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?

115

What is V4?

Verification

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?

116

What is V5?

Verification

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

117

What is a ledger card?

General

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?

118

What is adverse credit history?

General

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

119

What is Title IV?

Educational Grant

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

120

What aid earned mean?

General

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.

121

What is an annual award?

Financial Aid

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.

122

What is an annual loan limit?

Educational Loan

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?

123

What is ability to benefit?

General

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?

124

What is athletically related student aid?

Scholarships

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?

125

What is an automatic zero EFC?

Educational Cost

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

126

What is BBAY?

Academic Year

Borrower-Based Academic Year

What is a borrower based academic year?

127

What is SAY?

Academic Year

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?

128

What is BIA?

General

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?

129

What is a book voucher?

General

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.

130

What is a borrower?

General

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.

131

What is a branch campus?

General

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?

132

What is a campus?

General

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?

133

What are campus-based programs?

General

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).

134

Where can I find my campus security records?

General

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

135

What is the Central Processing System Student Account Internet Gateway?

General

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.

136

Who is my campus president?

General

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

137

Who is my academic advisor?

General

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

138

What is my schedule?

General

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

139

What is Children of Fallen Heroes?

General

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.

140

What is Children of Iraq and Afghanistan Soldiers?

General

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.

141

What is CPS?

General

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

142

What is COD?

General

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

143

What is the Clery Act?

General

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?

144

What is a clock hour?

General

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

145

What is a credit hour?

General

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.

146

What is a clock to credit hour conversion?

General

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.

147

What are comment codes?

General

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.

148

What is competency-based education?

General

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?

149

Does my school offer competency-based credits?

General

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

150

What is conditional acceptance?

General

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.

151

What is a consortium?

General

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

152

What is a consortium agreement?

General

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.

153

What is consumer information?

General

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.

154

What is continuing education?

General

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

155

How can I get a copy of my enrollment agreement?

General

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

156

What is an enrollment agreement?

General

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.

157

What is a correspondence course?

General

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.

158

Does my school offer correspondence courses?

General

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

159

Does my school offer online classes?

General

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

160

What are online courses?

General

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.

161

What is a credit balance?

Payments

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

162

What is a Title IV credit balance?

Payments

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

163

What is a credit check?

Educational Loan

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?

164

What is a crossover payment period?

Academic Year

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.

165

What is a payment period?

Academic Year

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 .

166

What is a DD214?

General

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

167

How can I get a copy of my DD214?

General

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/

168

What is a professional judgement?

Applying for Aid

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

169

What is a dependency override?

Applying for Aid

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.

170

What is a dependent student?

Applying for Aid

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?

171

What is DHS?

General

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/

172

What is a FFLEP Loan?

Educational Loan

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

What is the Federal Family Loan Education Program?

173

What are disclosures?

Applying for Aid

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.

174

What is DOB?

General

DOB stands for date of birth.

What is the acronym for date of birth?

175

What is DOD?

General

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.

176

What is ED?

General

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?

177

What is Enrollment Status?

General

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

178

What is an ESL Program?

General

English as a Second Language

What is ESL?

179

What is E-sign?

General

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

What is e sign?
What is esign?

180

What is failure to register?

Applying for Aid

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?

181

What is FERPA?

General

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

182

What is household size?

Applying for Aid

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?

183

What is an FAO?

General

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.

184

What is a Perkins Loan?

Educational 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.

185

What is FSA?

General

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

186

What is FSEOG?

Educational Grant

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.

187

What is a Financial Aid Appeal?

Applying for Aid

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.

188

What is a Financial Aid Package?

Packaging

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?

189

What is Academic Probation?

General

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

190

What is a Financial Aid Warning?

General

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.

191

What is a First-Time Borrower?

General

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

192

What is a First-Time Student?

General

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

193

What is a fixed interest rate?

Loan Repayment

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

194

What is a variable interest rate?

Loan Repayment

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

195

What is the interest rate on my loans?

Loan Repayment

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?

196

What is a full time student?

General

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?

197

What is half time?

General

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

198

What is three-quarter time?

General

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.

199

What is grade level progression?

Applying for Aid

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.

200

What is a guaranty agency?

Educational Loan

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.

201

What if I can't make my payment?

Loan Repayment

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?

202

What is an ISIR?

Applying for Aid

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.

203

How do I correct my FAFSA?

Applying for Aid

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?

204

Do I need my tax return?

Verification

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?

205

Do my parents need their tax return?

Verification

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?

206

Where is my award letter?

General

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.

207

Is my file complete?

General

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.

208

What is a Verification Worksheet?

Verification

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.

209

Where can I find my completed documents?

General

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?

210

How do I update my address?

General

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?

211

How long does this verification take?

Verification

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.

212

What if my parent is also attending school?

Applying for Aid

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?

213

What if I have a sibling in school?

Applying for Aid

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?

214

I worked, but did not file taxes.

Applying for Aid

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

215

Do I have to reapply for financial aid every year?

Applying for Aid

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.

216

How do I apply for Pell grant?

Applying for 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

217

Where can I get information about Federal student financial aid?

Applying for 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?

218

Are work-study earnings taxable?

Work Study

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?

219

Where can I get a copy of the FAFSA?

Applying for Aid

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).

220

When can I renew my FAFSA?

Applying for Aid

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.

221

Am I required to file taxes every year?

Applying for Aid

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?

222

I forgot to sign my FAFSA

Applying for Aid

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.

223

My parent forgot to sign the FAFSA

Applying for Aid

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.

224

What is in-kind support?

General

Goods, services, or support provided instead of money.

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

225

What is an institutional loan?

Educational 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.

226

What is an interest only payment?

Loan Repayment

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.

227

What is an LDA?

Attendance

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?

228

Can I get a loan if I have a bankruptcy?

Applying for Aid

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.

229

What is a leave of absence?

Attendance

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 Financial Aid office prior to leaving school.

What is an LOA?
LOA?

230

What is a module?

General

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.

231

Can I set up automatic payments?

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.

232

What is nonterm?

General

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

233

How long will I qualify for loans?

Educational Loan

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

234

What is an origination fee?

Educational Loan

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.

235

What are available payment methods?

Payments

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?

236

Do I qualify for loans?

Payments

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?

237

Do I qualify for state aid?

General

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?

238

Will financial aid cover study abroad?

General

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

239

What is unusual enrollment history?

General

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?

240

What is untaxed income?

Applying for Aid

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

241

What happens to my aid if I withdraw?

Payments

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.

242

How do I register for selected service?

Applying for Aid

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?

243

What is a direct subsidized loan?

Educational 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

244

What is a direct unsubsidized loan?

Educational 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.

245

Do you offer scholarships?

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/)

246

What kind of financial aid is available?

Applying for Aid

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.

247

Are there Federal Work-Study positions available?

Work Study

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?

248

How can I meet with someone in financial aid?

General

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?

249

What is a scholarship?

Educational 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

250

Does my school offer competency-based credits?

General

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

251

What if I can't make a payment?

Loan Repayment

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

252

What is wage garnishment?

Collections

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?

253

What is a standard term?

General

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?
What is a trimester?

254

What is the TEACH grant?

Educational 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?

255

What is a loan period start date?

Educational Loan

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

256

What does aid earned mean?

General

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.

257

What is a loan?

Educational 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?

258

What is less than half time?

General

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?

259

I need money.

General

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

Give me money for school

260

I am a new mom

Applying for Aid

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

261

When do I get my refund check?

General

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

262

What is a C flag?

General

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

263

I want to cancel my loans,

General

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?

264

How do I change programs?

General

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?

265

Are food stamps taxable income?

Applying for Aid

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

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

266

Will financial aid cover my housing?

Educational Cost

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?

267

Will financial aid cover my books?

Educational Cost

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?

FAQ Model for Student Verification - Sorted by ID