the wonderful world of financial aid elizabethtown college financial aid office
TRANSCRIPT
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The Wonderful World of Financial Aid
Elizabethtown CollegeFinancial Aid Office
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Presentation Objectives
Introduce TerminologyIntroduce Terminology
Outline Application ProcessOutline Application Process
Describe Aid ApplicationsDescribe Aid Applications
List Resources AvailableList Resources Available
Reduce Your AnxietyReduce Your Anxiety
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Remember: This Valuable Piece Of Advice!
In the beginning of your student’s college In the beginning of your student’s college search, DO NOT rule out any school based search, DO NOT rule out any school based solely on the cost. The elimination of a solely on the cost. The elimination of a college occurs at the end of the process college occurs at the end of the process once eligibility of financial aid is known once eligibility of financial aid is known and affordability is determined! and affordability is determined!
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First Steps
Campus VisitsCampus Visits Personal Interviews with Personal Interviews with
Admissions and Financial AidAdmissions and Financial Aid Organize College SpreadsheetOrganize College Spreadsheet Complete Admissions Complete Admissions
Application by December of Application by December of Senior YearSenior Year
Note Financial Aid DeadlinesNote Financial Aid Deadlines Complete Federal Taxes EarlyComplete Federal Taxes Early
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The Financial Aid Office
Resource For FamilyResource For Family Responsible To Federal Responsible To Federal
GovernmentGovernment Administer State FundingAdminister State Funding Steward of College FundsSteward of College Funds Student Advocate Student Advocate
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Basic Premise
Students and parents are the primary Students and parents are the primary source of funds for postsecondary source of funds for postsecondary
education and are expected to education and are expected to contribute to the extent they are able.contribute to the extent they are able.
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Financial Aid
If you want to be considered for If you want to be considered for financial aid you must financial aid you must APPLY FOR ITAPPLY FOR IT – on time! – on time!
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Primary Sources
Federal GovernmentFederal Government State GovernmentState Government Postsecondary Postsecondary
InstitutionsInstitutions Private AgenciesPrivate Agencies
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Who Can We Talk With?
ALL information submitted ALL information submitted on these financial aid forms on these financial aid forms is protected under the Family is protected under the Family Educational Rights and Educational Rights and Privacy Act (FERPA). The Privacy Act (FERPA). The data is treated as strictly data is treated as strictly confidential, maintained in a confidential, maintained in a secure area, and only released secure area, and only released to a third party upon to a third party upon obtaining student’s signature.obtaining student’s signature.
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Application Possibilities
Free Application for Free Application for Federal Student Aid Federal Student Aid (FAFSA)(FAFSA)
Institutional ApplicationInstitutional Application CSS PROFILE FormCSS PROFILE Form Civic, Religious, Service Civic, Religious, Service
Scholarship ApplicationsScholarship Applications
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When Do You Apply ForFinancial Aid?
The earliest that you may submit the The earliest that you may submit the FAFSA is January 1FAFSA is January 1stst of the senior year. of the senior year.
May 1May 1stst is the deadline to apply for a is the deadline to apply for a PHEAA State Grant.PHEAA State Grant.
Check with each institution to determine Check with each institution to determine their own financial aid deadline.their own financial aid deadline.
Review private sources for their deadlines.Review private sources for their deadlines.
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FAFSA – Web or Paper?
FAFSA on the WebFAFSA on the Web www.fafsa.govwww.fafsa.gov Obtain a PIN Obtain a PIN
(www.pin.ed.gov)(www.pin.ed.gov)
Paper ApplicationPaper Application
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Why get a PIN?
Improves speed of application processImproves speed of application process Used as “signature” on current and future FAFSA Used as “signature” on current and future FAFSA
and loan applicationsand loan applications Used to make faster and easier corrections to the Used to make faster and easier corrections to the
FAFSAFAFSA Student/parents should apply for their own PINStudent/parents should apply for their own PIN Families may apply in the student’s senior yearFamilies may apply in the student’s senior year
(www.pin.ed.gov)(www.pin.ed.gov)
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The Application Process
FAFSAWeb or paper
Federal Government(data entry, analysis, matches)
Student Colleges State(grant award)
$ $ $ $ $
SAR
$ $ $
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Who Completes the Application?
StudentStudent
ParentsParents Natural/adoptiveNatural/adoptive Single: divorced, Single: divorced,
separated, widowedseparated, widowed Remarried: Remarried:
Natural and step Natural and step (who you live with)(who you live with)
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Application Suggestions Schedule time to do it Schedule time to do it togethertogether!!
Read materials for deadlines.Read materials for deadlines. Complete federal tax return & Complete federal tax return &
schedules ASAP!schedules ASAP! May also complete “draft” copy. If May also complete “draft” copy. If
owe money, don’t send it until tax owe money, don’t send it until tax deadline.deadline.
Complete all items-DON’T LEAVE Complete all items-DON’T LEAVE BLANK ITEMS.BLANK ITEMS.
Submit FAFSA via the web (speed & Submit FAFSA via the web (speed & accuracy).accuracy).
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Parent Contribution+ Student ContributionExpected Family Contribution
Expected Family Contribution(EFC)
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EFC Determining Factors
Parental Income (Taxed and Untaxed)Parental Income (Taxed and Untaxed) Parental Assets (Excluding Primary Home Parental Assets (Excluding Primary Home
& Tax-Sheltered Retirement Plans)& Tax-Sheltered Retirement Plans) Student IncomeStudent Income Student AssetsStudent Assets Family Size/Number in CollegeFamily Size/Number in College Age of the Older ParentAge of the Older Parent
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Allowances Included in Formula
Federal and State TaxesFederal and State Taxes Two Employed ParentsTwo Employed Parents Asset Protection for RetirementAsset Protection for Retirement Standard Guidelines per Family SizeStandard Guidelines per Family Size
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Allowances Not Permitted In Federal Formula
Consumer DebtConsumer Debt Prior Educational DebtPrior Educational Debt Auto ExpensesAuto Expenses
Permitted With Professional JudgmentPermitted With Professional Judgment Parent in College ExpensesParent in College Expenses Elementary/Secondary Tuition for SiblingsElementary/Secondary Tuition for Siblings Medical & Dental ExpensesMedical & Dental Expenses
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Verification
FAFSA data checked against sourceFAFSA data checked against source of data for accuracyof data for accuracy
Common documents requested include:Common documents requested include:2011 Federal Tax Returns2011 Federal Tax ReturnsW-2 FormsW-2 FormsVerification WorksheetsVerification Worksheets
Review performed by the Financial Aid Review performed by the Financial Aid OfficerOfficer
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Institutional Methodology EFC
Used by some private collegesUsed by some private colleges Additional information used in formulaAdditional information used in formula Different allowances and calculationsDifferent allowances and calculations Additional applications requiredAdditional applications required IM EFC used only for institutional funds, IM EFC used only for institutional funds,
not federal fundsnot federal funds
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Cost of Education
Direct CostsDirect Costs TuitionTuition FeesFees RoomRoom MealsMeals
Indirect CostsIndirect Costs Books & SuppliesBooks & Supplies TransportationTransportation Personal ExpensesPersonal Expenses
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Financial Aid Eligibility
Cost of EducationCost of Education
- EFC- EFC
Student’s Financial NeedStudent’s Financial Need
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Types of Financial Aid
Gift AidGift Aid ScholarshipsScholarships GrantsGrants
Self-HelpSelf-Help EmploymentEmployment LoansLoans
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How Gift Aid is Awarded
Merit-based aid (Scholarships)Merit-based aid (Scholarships) Academic abilityAcademic ability Special talent/achievementSpecial talent/achievement Program of studyProgram of study
Need-based aid (Grants)Need-based aid (Grants) Financial needFinancial need Largest source of gift aid fundsLargest source of gift aid funds
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Federal Grants
“ “Floor” of Financial Aid PackageFloor” of Financial Aid Package Maximum Award: $5,550Maximum Award: $5,550 EFC determines eligibility ($5,273 or less)EFC determines eligibility ($5,273 or less)
PELL
SEOG “ “Priority to Pell Grant recipientsPriority to Pell Grant recipients Award Range $100 to $4000 based on school’s fundingAward Range $100 to $4000 based on school’s funding Determined by Financial Aid OfficerDetermined by Financial Aid Officer
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PHEAA State Grant
Initial Application = FAFSAInitial Application = FAFSA PHEAA Online Application Notice SentPHEAA Online Application Notice Sent Must Be a PA ResidentMust Be a PA Resident Award Value up to $4,348Award Value up to $4,348
Correlates to cost of collegeCorrelates to cost of college Out of state award significantly lessOut of state award significantly less
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Money Earned as Payment for a Part-time Job (6-10 hours a week)
Employment
Spending money - Spending money - minimum wage or minimum wage or higherhigher
Time management Time management Better gradesBetter grades Support groupSupport group Job referencesJob references
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Types of Employment Federal Work Study (FWS)Federal Work Study (FWS)
Part-time employment on or off campusPart-time employment on or off campus Partially subsidized by federal governmentPartially subsidized by federal government
Institutional EmploymentInstitutional Employment Part-time employment on campusPart-time employment on campus Fully subsidized by collegeFully subsidized by college
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Student Loans Borrowed money to be Borrowed money to be
paid back with interest.paid back with interest. An investment of students An investment of students
in themselves.in themselves. Return of $1,000,000 over Return of $1,000,000 over
lifetime in earnings lifetime in earnings compared to high school compared to high school graduate.graduate.
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Federal Perkins Loan
Students with exceptional needStudents with exceptional need Loan amount determined by Financial Aid Loan amount determined by Financial Aid
OfficerOfficer Interest rate: 5%Interest rate: 5% Loan maximums: $5,500 per yearLoan maximums: $5,500 per year 9-month grace period9-month grace period Deferment/cancellation provisionsDeferment/cancellation provisions
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Federal Student Loan
For 2012-2013, new For 2012-2013, new loans have a fixed loans have a fixed interest rate of 6.8 %interest rate of 6.8 %
Annual eligibility Annual eligibility based on student’s based on student’s grade levelgrade level
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Federal Student Loan
Up to 1% of amount borrowed can be Up to 1% of amount borrowed can be charged in fees. charged in fees.
Principal deferred while enrolled at least Principal deferred while enrolled at least half-time.half-time.
Six-month grace period followed by 10-Six-month grace period followed by 10-year repayment term.year repayment term.
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Philosophies of Meeting Need
Dependent upon:Dependent upon: Funds available to meet applicants’ needFunds available to meet applicants’ need Specific goals of enrollmentSpecific goals of enrollment Amount of federal campus-based fundsAmount of federal campus-based funds Institutional EFC may be used for school Institutional EFC may be used for school
fundsfunds Special circumstancesSpecial circumstances
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Student’s Possible Resources
Grants
Work
Loans
Federal State Institutional
•Pell•SEOG
•FWS
•PHEAA•OVR/OVH
•Summer FWS
•Merit Scholarship •Need Grants
•Perkins•Direct Stafford
•Short-term
•Self-help employment
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Factors Which May Influence the Financial Aid Package
AcademicsAcademics SAT’sSAT’s Class RankClass Rank H.S. AttendedH.S. Attended AP CoursesAP Courses Predicted G.P.A.Predicted G.P.A. Academic Track in High Academic Track in High
SchoolSchool
Diversity- Diversity- Gender/EthnicityGender/Ethnicity
Athletic AbilityAthletic Ability Talent- Theater, ArtTalent- Theater, Art Activities- Yearbook, Activities- Yearbook,
GovernmentGovernment Geographic DiversityGeographic Diversity LegaciesLegacies
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Private Scholarship Searches
You don’t have to pay!You don’t have to pay! Guidance OfficeGuidance Office Financial Aid OfficeFinancial Aid Office World Wide Web SitesWorld Wide Web Sites
http://www.finaid.comhttp://www.finaid.com
http://www.fastweb.comhttp://www.fastweb.com
http://www.collegeboard.orghttp://www.collegeboard.org
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Treatment of Outside Scholarships
Must be reportedMust be reported Individual institutions treat differentlyIndividual institutions treat differently
100% reduction of work/loans100% reduction of work/loans 50% reduction of grants and 50% 50% reduction of grants and 50%
reduction of work/loansreduction of work/loans 100% reduction of grants100% reduction of grants Check policy of each institutionCheck policy of each institution
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Other Options to Families with Financial Aid Package
10-month interest-free 10-month interest-free payment planspayment plans
Assortment of bank plansAssortment of bank plans Institutional plansInstitutional plans Federal PLUS loans (7.9%)Federal PLUS loans (7.9%) Home equity loansHome equity loans
(Pursue these options after college choice is made.)
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Professional Judgment
The law provides the The law provides the Financial Aid Officer Financial Aid Officer the flexibility to deal the flexibility to deal with special with special circumstances and circumstances and conditions which are conditions which are applied on a case-by-applied on a case-by-case basis after the case basis after the original application original application has been filed.has been filed.
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Types of Professional Judgment
Separation or divorceSeparation or divorce Death of one parentDeath of one parent Loss of employment incomeLoss of employment income Loss of non-taxable incomeLoss of non-taxable income Unusual medical expensesUnusual medical expenses Other unusual circumstancesOther unusual circumstances
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Must I Reapply?
Yes! AnnuallyYes! Annually Every year a new financial “snapshot”Every year a new financial “snapshot” Family circumstances may changeFamily circumstances may change
IncomeIncome
AssetsAssets
Number in collegeNumber in college
Number in householdNumber in household
Special circumstancesSpecial circumstances
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Foundation: Base-Year Income
2011 Federal 2011 Federal
Tax ReturnTax Return 2012 Federal 2012 Federal
Tax ReturnTax Return 2013 Federal 2013 Federal
Tax ReturnTax Return 2014 Federal 2014 Federal
Tax ReturnTax Return
2012-2013 Academic Year
2013-2014 Academic Year
2014-2015 Academic Year
2015-2016 Academic Year
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Best Sources of Help
College Financial Aid OfficersCollege Financial Aid Officers PHEAA Regional OfficePHEAA Regional Office Local LendersLocal Lenders Local Civic, Religious, Service Local Civic, Religious, Service
OrganizationsOrganizations High School Guidance High School Guidance
CounselorCounselor
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Presentation Review
TerminologyTerminology
Application ProcessApplication Process
Aid ApplicationsAid Applications
Resources AvailableResources Available
Anxiety ReducedAnxiety Reduced
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Good Luck and Best Wishes!
Elizabethtown CollegeFinancial Aid Office
717-361-1404