金融援助
Colgate financial aid offers are based on a student’s need and typically include a grant, loan, 和勤工助学.
Grant
这是一项机构性的、基于需求的助学金，无论学生的国籍如何，都可以获得. Grant aid is sometimes called "gift aid" because it needs to be neither earned nor repaid. 助学金完全基于学生的实际需求，而不取决于学生的平均绩点(GPA)或专业, etc. At Colgate, a grant is typically the largest portion of an aid offer.
Loan
Colgate aid offers may include a modest Federal Direct Loan. 从2023年秋季开始生效, domestic students with a total family income of up to $175,000(以及该收入范围内的典型资产), 都是合格的 for the 十大网投靠谱平台的承诺. 十大网投靠谱平台2023届毕业生 平均债务负担约为10,577美元，而全国平均水平约为30,000美元.
The 威廉D. 福特直接贷款计划 is a low, fixed-interest rate educational loan program available only to U.S. 公民和符合条件的非公民. Students must complete the Free Application for Student Aid (FAFSA)，以决定是否有资格获得联邦直接补贴贷款或联邦直接无补贴贷款.
贷款，无论是联邦贷款还是私人贷款，都是需要偿还给贷款人的资金， 不管学生是否成功地完成了他们的课程并获得了工作.
联邦直接补贴/无补贴贷款
- Complete the Free Application for Federal Student Aid (FAFSA).
- Request your loan eligibility on your 财政援助门户网站 by completing the "联邦直接学生贷款申请表”在补充表格上 page.
- 首次借款人必须登录 studentaid.gov to complete the required Entrance Counseling and the Master Promissory Note (MPN).
For students offered a loan as part of their financial aid offer, 十大网投靠谱平台不会自动提供学生可能符合条件的最高数额的联邦直接贷款. 联邦直接贷款的数额将逐年增加, depending on institutional packaging policies and federal guidelines.
The Department of Education allows eligible students to borrow up to $5,第一年就有500美元, $6,在他们大二的时候就拿到了500美元, and $7,在他们大三和大四的时候都有500人.
The 联邦直接父母贷款 enables parents to borrow directly from the federal government up to the cost of attendance, 减去任何已经打包好的经济援助. Only one master promissory note (MPN) is needed throughout a student's enrollment at Colgate. 这是一种基于信用的贷款，要求家长向教育部提交电子申请. 该部门将审查你的信用报告的不良信用记录，并通知你决定批准或拒绝你的申请. 如果申请被拒绝, 家庭可以考虑其他选择, 比如使用代言人或上诉, on the 联邦学生援助网站.
如何申请联邦直系父母PLUS贷款
- Complete the Free Application for Federal Student Aid (FAFSA).
- Log-in to studentaid.gov 与你的父母FSA ID(联邦学生援助ID)和密码，并完成家长直接PLUS贷款申请. If approved, you must also complete a Master Promissory Note (MPN) online at studentaid.gov 为了让贷款发放. We will automatically receive your application automatically within a few business days.
The 联邦毕业生直接贷款 使研究生可以直接从联邦政府借款，数额不超过学费, 减去任何已经打包好的经济援助. Only one master promissory note (MPN) is needed throughout a student's enrollment at Colgate. 这是一种基于信用的贷款，要求研究生向教育部提交电子申请. 该部门将审查你的信用报告的不良信用记录，并通知你决定批准或拒绝你的申请. 如果申请被拒绝, 研究生可以复习其他选项, 比如使用代言人或上诉, on the 联邦学生援助网站.
How to apply for the 联邦直接毕业生加贷款
- Complete the Free Application for Federal Student Aid (FAFSA).
- Log-in to studentaid.gov 提供学生的FSAID和密码，并完成研究生直接贷款申请. If approved, you must also complete a Master Promissory Note (MPN) online at studentaid.gov 为了让贷款发放. We will automatically receive your application automatically within a few business days.
Federal Direct Loans are available to undergraduate students based on their grade level, 无论家庭收入如何, 适用范围:
- 第一年学费是5500美元
- 第二年是6500美元
- 第三和第四年的学费是7500美元
A undergraduate student's grade level is determined by their total course credits earned:
- 上学第一年= 0到5.获得99学分
- 二年级= 6到13.获得99学分
- Third/fourth year in school = 14 to 22+ course credits earned
Depending on a student’s financial need determined by the FAFSA, 学生年度贷款限额的一部分可以在联邦直接补贴贷款中提供.
联邦直接补贴贷款s are available to undergraduate students 适用范围:
- 第一年的学费是3500美元
- 第二年是4500美元
- 第三和第四年是5500美元
After a student is packaged with their 联邦直接补贴贷款 eligibility, 他们的年度贷款限额的剩余部分可以提供联邦直接无补贴贷款. In some cases, a student is eligible for a Federal Direct Unsubsidized Loan only.
If a parent’s application for a Federal Direct PLUS Loan is denied, 这取决于他们的年级水平, 学生可能有资格获得额外的4美元,000美元(一、二年级学生)或5美元,000 (third and fourth year students) in a Federal Direct Unsubsidized Loan.
研究生在一学年可以借到20,500美元的联邦直接无补贴贷款.
| Loan Type | 贷款限制 (供独立学生使用，除非另有说明) |
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| 有补贴/无补贴 |
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| 研究生无补贴贷款 | 每学年最高20,500美元/每学期最高10,250美元 | ||||
| 父母+ | 不超过就读费用(由学校决定)减去同一学期收到的其他经济援助 | ||||
| 毕业生加 | 不超过就读费用(由学校决定)减去同一学期收到的其他经济援助 |
这些信息的摘要可以在 联邦援助网站.
联邦直接补贴贷款
The 2023-24 interest rate for a 联邦直接补贴贷款 is fixed at 5.50%. The government pays the interest that accrues during enrollment, and repayment begins six months after the student is no longer enrolled at least half time. 发起费大约是1%.
联邦直接无补贴贷款(本科生)
2023- 2024年本科生联邦直接无补贴贷款的利率固定为5%.50%. The government does not pay the interest that accrues during enrollment; the student is responsible for paying the interest. 发起费大约是1%.
联邦直接无补贴贷款(毕业生)
The 2023-24 interest rate for unsubsidized loans for graduate students is fixed at 7.05%. 借款人支付大约1%的发起费.
联邦直接父母加贷款
The 2023-24 interest rate for the 联邦直接父母加贷款 is 8.借款人需支付约4%的发起费.
Loan repayment amounts can be calculated by using the federal 贷款模拟器.
联邦直接毕业生加贷款
The 2023-24 interest rate for the 联邦直接毕业生加贷款 is 8.借款人需支付约4%的发起费.
Loan repayment amounts can be calculated by using the federal 贷款模拟器.
| Loan Type | 2023-24利率 | 融资费用 | 还款 |
| 有补贴/无补贴 | 5.50% | 10/1/20 - 9/30/24 1.057% |
Begins 6 months after the student is no longer enrolled at least half-time |
| 研究生无补贴贷款 | 7.05% | 10/1/20 - 9/30/24 1.057% |
Start date is dependent on federal borrowing history; loan can be deferred while enrolled at least half-time |
| 父母+ | 8.05% | 10/1/20 - 9/30/24 4.228% |
Begins when the loan is fully disbursed; however, in‐school deferment may be requested |
| 毕业生加 | 8.05% | 10/1/20 - 9/30/24 4.228% |
PLUS贷款的研究生借款人在上学期间和毕业后六个月自动延期, 离开学校, 或者低于一半的入学率. |
这些信息的摘要可以在 联邦援助网站.
勤工助学
Work-study aid is available to certain students based on need, without regard to citizenship. Certain U.S. 公民和符合条件的非公民 will have their work-study funds paid from federal sources; all other students will be paid from institutional sources only.
The opportunity to work on campus allows students to invest in their own educations, reducing the need for additional loans while also providing valuable work experience. The work-study amount can generally be earned by working between ten and twelve hours a week.
As remuneration for jobs is generally earned on an hourly basis and paid bi-weekly, 助学金通知书上的金额不能从学生的学期账单中扣除. Students who have a work-study amount greater than the combined estimate for their books, travel, and personal expenses may need to contribute the difference toward their billed expenses.
其他援助类型
这是一个制度性的, athletic, 在某些体育项目中，不考虑公民身份，向选定的学生运动员提供择优奖学金. Recipients and scholarship amounts are determined by the relevant Colgate coach.
黄丝带
Colgate participates in the 黄丝带 Program, a component of the Post-9/11 GI Bill®. 符合条件的退伍军人可以在 benefits.va.gov / gibill. 请注意，退伍军人必须有资格获得最高的福利率，以便-或让他们的家属-被考虑参加这个计划. 这是一项机构和联邦援助金额，只提供给某些符合条件的退伍军人及其家属, 标间. The 黄丝带 benefit may be used to help cover on-campus expenses. Recipients and 黄丝带 amounts are determined by Colgate and the U.S. 退伍军人事务部.
其他退伍军人福利
退伍军人管理局(VA)教育福利*
- Post-Vietnam Era Veterans Educational Assistance (Chapter 32)
- Dependent and Survivors Educational Assistance (Chapter 35)
- 蒙哥马利退伍军人法案®(第30章)
- Vocational Rehabilitation for Service-Disabled Veterans
- Montgomery GI Bill® Selected Reserves Educational Assistance Program (Chapter 1606)
- 9/11后美国退伍军人法案®(第33章)
*申请手续:申请表格, 信息, and assistance in applying for benefits are available at benefits.va.gov / gibill.
Note, 福利援助，如退伍军人事务部的教育福利，会逐笔减少学生的十大网投靠谱平台助学金. For further policies and procedures regarding Veteran's Benefits at Colgate, 请访问我们的政策和程序 page.
这是一项由联邦政府资助的拨款，只对美国公民开放.S. 公民和符合条件的非公民. If funding for this program is reduced, Colgate may not be able to replace this deficit. Pell Grant amounts greater than estimated will reduce Colgate Grant.
This is a grant is given to only to eligible New York State residents. By filing the FAFSA, New York State residents will be linked to the TAP application. If funding for this program is reduced, Colgate may not be able to replace this deficit. TAP Grant amounts greater than estimated will reduce Colgate Grant.
校外资助是指学生通过竞争或择优选拔过程获得的资助. 而外部援助和十大网投靠谱平台的经济援助的总和不能超过每年的出勤费, 十大网投靠谱平台允许学生从外部援助中获得最大可能的好处，首先减少学生和家庭负责的援助部分. Thus, any outside aid will first be used to offset family contribution, job and/or loan. 只有在这些资金来源被完全抵消后，外部援助才会减少学生的十大网投靠谱平台助学金. 学生必须向财政援助办公室报告所有外部援助，以便进行相关调整.
来自州或联邦政府的津贴补助——包括退伍军人福利——以及基于父母就业的学费补贴不包括在本政策中，并减少了十大网投靠谱平台助学金的金额.
十大网投靠谱平台助学金不会增加，以补偿学生没有适当申请的外部援助.
任何外部援助金额都应该 reported 学生填写补充表格上的“校外奖学金表格”，向经济援助办公室申请奖学金 page 十大网投靠谱平台学生的经济援助 Portal.