To be eligible for the program a student must be:

• 宾夕法尼亚州的居民
• A recipient of a high school diploma or Commonwealth Secondary School Diploma
• 不满26岁的
• Eligible for services under 宾西法尼亚’s John H. Chafee Foster Care Program for Successful Transition to Adulthood
• 被认定为寄养青少年或在年满16岁或之后被寄养或被领养的青少年
• 或者是在16岁或之后因收养或永久法律监护而退出寄养的青少年

联络点:

• 金融援助 Office: Kathy Shepard 717-728-2261 or kathyshepard@desinsectisation-service-93.com
• 学生服务: Romeo Azondekon  – 717-728-2437

学生必须:

• File a FAFSA for the award year coinciding with the waiver request (e.g., 2021-22 FAFSA for 2021-22 Award Year)
• 提交PA Chafee教育和培训补助金(Chafee ETG)计划的申请
• Chafee ETG application not required for renewal applicants
• Student does not have to be awarded Chafee ETG funds
• 高等教育机构确定的Chafee ETG计划是否有“未满足的成本”
• “未支付费用”是指学生的出勤费用和学生收到的所有其他礼物援助之间的差额
• Enroll on at least a half-time basis
• Be enrolled as an undergraduate student at an eligible PA institution
• Maintain 令人满意的学业进展, as determined by the institution
• 没有拖欠联邦学生贷款或欠其他第四章援助的退款
• Have not previously received a waiver for five (5) years, consecutive or not (defined as 10 semesters or the equivalent)

• 发放学生学费账单.
• Disbursing of all financial aid (grants, 贷款, etc.).
• Collection of student payments including tuition bills.
• 签发退款支票.

• 支票每天最多可兑现25美元.
• Management and collection of student 贷款 and delinquent accounts.
• Tax credit reporting for Hope and Lifetime Learning 奖学金.

学年

An academic year at Central Penn consists of three terms.

破产

根据《赌球网站》，法院裁定某人无法履行其财务义务而宣布其破产的法律诉讼. 然而，联邦学生贷款通常不能通过破产来偿还. 

资本化

The process of adding unpaid interest to the principal balance of a loan, rather than pay the interest when it is due. 如果利息是资本化的, 在还款期间，每月还款额会增加. This applies to the Unsubsidized Stafford loan and most private 贷款.

整合

一种贷款计划，使借款人能够将不同利率的各种贷款或不同的贷方合并为一笔贷款，并有一个更易于管理的还款时间表. The repayment period is also extended. 

出勤费用

The total amount it will cost a student to attend a particular school. The cost of attendance usually includes direct costs (tuition, fees) and indirect costs (books and supplies). 财政援助资源不能超过该机构的既定出勤成本. 

默认的

学生在签期票时未按约定偿还贷款. 由于未能及时提交延期或取消请求，也可能导致违约. The consequences of default are severe. The holder of your loan will likely take action to recover the money. The holder of your loan may report you to a credit agency, 你的工资可能会被扣, and you may be liable for expenses incurred in collecting the loan. 美国.S. 教育部可能会要求国税局扣留您的所得税退税，并将其用于您所欠的金额，您将不再有资格获得未来的联邦财政援助. 延期还款必须由学生提出申请并得到贷款人的正式批准. 

延期

在某些情况下，可以因经济困难或继续学习而延期. 

支付

发放贷款资金. 

电子资金转账(EFT)

学生申请的资金以电子方式从贷款人转入学生在商务办公室的学费账户的方法. 

Expected Family Contribution (EFC)

EFC是使用国会方法开发的需求分析公式计算的, using information reported on the FAFSA. 这个数字是学生和家庭在该学年预计为学生的教育贡献的总额. This figure is used to determine the student’s eligibility for financial aid. The EFC is printed on the front page, top right hand corner of the Institutional Student Information Record (ISIR). 

FAFSA (Free 应用程序 for Federal Student Aid)

The application for all federal financial aid. 这种形式, 国会制定的, has to be completed each academic year by the student, in order to be eligible to receive financial aid. 

联邦学校守则

Central Penn’s school code is 004890. This code must be included when completing a FAFSA. 

经济援助计划

Federal and non-federal aid such as grants, 贷款, 工作研究, 外部资源被合并在一个“包”或资格的书面通知中，以帮助满足学生的需求. 

财务需要

出席费用和估计家庭贡献之间的差额. 

忍耐

贷款人允许暂时停止支付(本金和/或利息)的一种安排, or allow an extension of time for making payments, or accept smaller payments than were previously scheduled. 感兴趣 will accrue during forbearance.

宽限期

The period between the time a borrower leaves school or, 如果在学校, 低于一半时间和他/她有义务开始偿还贷款的时间. Depending on the type of loan, this is usually six months.

格兰特

Type of award that does not need to be repaid. The award is usually based on merit and/or need. 

感兴趣

A fee charged to the borrower for the privilege of using the lender’s money. 感兴趣 is calculated as a percentage of the principal balance of the loan. 利率可以是固定的(在贷款期间保持不变)，也可以是可变的(可以在特定的时间变化)。. 

Institutional Student Information Record (ISIR)

由FAFSA处理器发送给学校的学生资助报告的电子版本的名称.

银行

以教育贷款的形式为学生提供贷款的金融机构.

贷款

Type of financial aid that must be repaid, with interest. 

主本票(MPN)

期票是学生与接受学生贷款资金的贷款人签署的法律协议. The MPN states the terms and conditions of the loan, 包括还款时间表, 利率, 延期政策, 和取消. MPN是申请和接收联邦斯塔福德贷款资金的简化方法. 

按需资助

以经济需要作为资格标准的经济援助. Need is determined by subtracting the expected family contribution, 通过FAFSA, from the institution’s established cost of attendance. 

非基于需求的经济援助

不需要经济需求作为资格标准的经济援助. 

融资费用

A fee charged by the lender for the administration of some student 贷款. This fee is deducted from the loan prior to disbursement. Origination fees are charged as the loan is disbursed. 

主要

The amount of money borrowed, excluding interest. 

还款计划

Discloses the borrower’s total repayment obligations: monthly payment, 利率, 到期日期, and length of time for repaying the loan. 

学生资助报告(SAR)

向联邦处理者提交FAFSA后发给学生的表格. 

令人满意的学业进展

学业进步标准是由学校制定的，是联邦政府要求的. 学生必须每年达到这些标准才能获得经济援助资金. 

资助斯塔福德贷款

有经济需要的学生可以在补贴的基础上获得贷款, 这意味着如果借款人在学校至少有一半的时间，贷款不会产生利息.

无补贴斯塔福德贷款

没有经济需要的学生可以在无补贴的基础上获得贷款. 无补贴斯塔福德贷款从资金发放之日起开始累积利息. 只要学生至少有一半的时间上学，利息就可以资本化. 

验证

建立一个随机的联邦审查程序，以确认学生之前提交给经济援助办公室的数据的准确性.