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Paying- Higher Edu.

Consolidate To combine funds into a single overall account/ accounts
Cost of Attendance Total amount it will cost to go to school
Deferment Period Postponement of payment on a loan allowed under certain conditions and during which interest does not accure
Expected Family Contribution An estimate of the parents' and/or student's ability to contribute to post- secondary expenses. In general, the lower EFC, the higher the financial aid award from the college may be
FAFSA The common name for the Free Application for Federal Student Aid form prepared annually to determine eligibility for post-secondary financial aid
Financial Need Difference between the cost of attending a certain school and the expected family contribution
Forbearance Ability to stop or reduce loan payments for up to 12 months while interest is accruing
Grant A tax-exempt financial aid that may be given for many purpose, not necessarily just for education
Grace Period Period of time after a borrower graduates, leaves school or drops below half-time enrollment where they are not required to make certain federal loan payments
Loan Default Failure to pay a loan according to the agreed upon terms
Loan Servicer Company that collects payment on a loan
Net Price The cost of attendance minus grants and scholarships
Personal Identification Number 4 digit number used as an electronic signature
Scholarship Money awarded to students that does not have to be repaid and is based on academic or other achievement to help pay for education expenses
Student Aid Report Report that summarizes responses made when completing FAFSA
Subsidized Loan Need- based loan from the federal government, the interest of which is payed for by the US Department of Education while the borrower is in school and during grace and deferment periods
Unsubsidized Loan Non-need-based loan from the federal government the interest of which is paid for by the borrower
Work-Study A federal program that provides part time employment opportunities for students with financial need, allowing them to earn money to help pay educational expenses
Created by: kalyncaudle