...paid for. Students can pay for college in many different ways. Students can pay with grants and scholarships, which is money she does not have to pay back upon graduation, and then there are loans. You have subsidized and unsubsidized loans, private loans and the highly controversial parent-plus loans. What is a parent plus loan? A parent-plus loan are federal loans that graduate or professional degree students and parents of dependent undergraduate students can use to help pay education expenses. In order to receive a Direct PLUS loan, you (or your child, in the case of parent PLUS loan borrowers) must complete the Free Application for Federal Student Aid (FAFSA®). The school's financial aid office will provide instructions about their process for requesting a Direct PLUS Loan. Many schools require that you request a Direct PLUS Loan at StudentLoans.gov. The request form has a list of schools that participate in the Direct PLUS Loan program; if you select your/your child’s school from the list, the site will notify you if your school does not use the StudentLoans.gov process. If that is the case, you should check with the school to find out how to request a PLUS loan. In order to apply for the loan, In order to receive a Direct PLUS loan, you (or your child, in the case of parent PLUS loan borrowers) must complete the Free Application for Federal Student Aid. The school's financial aid office will provide instructions about their process for requesting a Direct...
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...Direct PLUS Loan Application and Master Promissory Note William D. Ford Federal Direct Loan Program Warning: Any person who knowingly makes a false statement or misrepresentation on this form or any accompanying document is subject to penalties that may include fines, imprisonment, or both, under the U.S. Criminal Code and 20 U.S.C. 1097. OMB No. 1845-0068 Form Approved Exp. Date 11/30/2013 SECTION A: BORROWER INFORMATION - TO BE COMPLETED BY ALL BORROWERS; READ THE INSTRUCTIONS IN SECTION G BEFORE COMPLETING THIS SECTION CHECK ONE - I am a: [ X] Graduate or Professional Student 1. Driver's License State and No. FL j520960838090 4. E-mail Address (optional) delaguilayaleeth@gmail.com 5. Name and Permanent Address (see instructions) DEL AGUILA , YALEETH E 578 EASTBROOK WINTER PARK FL 32792 UNITED STATES [ ] Parent of a Dependent Undergraduate Student 2. Social Security No. 148115472 6. Area Code/Telephone No. 3. Date of Birth (mm-dd-yyyy) 08/29/1983 4073530201 7. Citizenship Status (to be completed by parent borrowers only -- check one) (1) [ ] U.S. Citizen or National (2) [ ] Permanent Resident/Other Eligible Non-Citizen 8. Employer’s Name and Address ross stores 1736 sand lake orlando , FL 32792 UNITED STATES If (2), Alien Registration No. 9. Work Area Code/Telephone No. 4078161246 10. References: List two persons with different U.S. addresses who do not live with you and who have known you for at least three years. If you are a parent borrower...
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...A lot of students just take the full amount of loans offered to them, without considering how much will be covered by other financial aid or how much they can pay out of pocket. Contact your financial aid office if you wish to lower your loan amount. There are several types of loans that you might see on your offer letter: SUBSIDIZED LOAN Subsidized loans are only available to students with financial need, as determined from your FAFSA. If you have to taken out any loans, this one is your best option, because the interest is paid for by the Department of Education while you are in school and for the first six months after graduation. UNSUBSIDIZED LOAN The unsubsidized loan is available to anyone, regardless of financial need. However, the amount that you can borrow will still be determined by the information from your FAFSA. Because the interest in this loan is not paid for at any time by the Department of Education, you have two options. You can either begin to pay interest on your loan while you are in school or your interest will begin to increase, even when you are in school. PARENT...
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...Consumer Information Guide 2015–2016 August 2015 Table of Contents Consumer Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 About University of Phoenix . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Accreditation, Licensures, Reviews and Approvals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Federal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Regional Accreditation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 State and International Licensures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Program Accreditation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 School of Business/Business Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 College of Health Professions: School of Nursing . . . . . . . . . . . . . . . . . . . . . . . ...
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...Undergrad Students (Dependency Status the same on both FAFSA's) Undergrad Students (Dependency status change between 11/12 and 12/13 FAFSA's) Is Pell available on 11/12 FAFSA? Is Pell available on 11/12 FAFSA? Yes No Package on 11/12 and 12/13 FAFSA's for Pell, but use the 11/12 FAFSA for Stafford Loans (11/12 Stafford rules apply regarding origination fees and grace period) Master's Students Package on 11/12 FAFSA for Subsidized Stafford Loans Yes Package on 11/12 and 12/13 FAFSA's for Pell, but use the 11/12 FAFSA for Staffords (remember if the 1st disbursement is prior to 7/1/12 origination fees include the rebate and old Sub Staff rules apply) Is Pell available on 12/13 FAFSA? No Use Parent-Plus Loan for tuition balance and LE for Ac Yr 1 Is Pell available on 12/13 FAFSA? Yes No Yes No Package soley on 12/13 FAFSA for Pell and Staff's (New Sub Staffords rules apply) Use 11/12 FAFSA for Staffords (remember if the 1st disbursement is prior to 7/1/12 the origination fees include the rebate and old Sub Staff rules apply) Explain to student the benefits of Parent Plus by helping to cover tuition balance as well as better stafford rules Use 11/12 FAFSA for Staffords (remember 1st disbursements prior to 7/1/12 the origination fees include the rebate and old Sub Staff rules apply Counsel students that no LE will be disbursed until semester 2, and if they drop in Semester 1...
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...FINANCIAL AID AWARD Dear Erica, April 14, 2015 Xavier University ID: 000620178 IMPORTANT! This is about your financial aid award for the 2015‐2016 academic year. Please review this information to learn: 1) The amount of your financial aid that will apply to your tuition and fees for a given term. 2) How much the Bursar estimates you will be charged for each term. 3) What your estimated remaining balance is for each term, which is what you owe after your financial aid is applied. 4) The projected enrollment information provided to our office is as follows: Summer term: 5 hours, Fall term: 6 hours, Spring term: 6 hours. Please respond to this email or call the Financial Aid Office at 513‐745‐3142, if you wish to decline any aid listed or if you have questions. You also can learn more about the financial aid process by visiting www.xavier.edu/financial‐aid. Our office cannot award you financial aid being you are in a non‐qualifying program, Post‐Masters Cert Nursing / Family Nurse Pracitioner (FNP). Estimated Charges by Term: Your tuition and fees for each term are listed as follows. Tuition Summer Semester $3,030 Fall Semester Spring Semester Totals $3,636 $3,636 $10,302 Instructional Technology Fee $ 0 Student Health Fee Student Activity Fee $ 0 $3 $3 $3 $ 9 Freshman Orientation Fee $ 0 Estimated Room Charges (on campus) $ 0 ...
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...Financial Literacy Questionnaire Name: Bethany Fullenkamp Please answer the following with True or False: 1. Student loans must be paid back in the exact amount I received and no more. 2. Scholarships do NOT need to be paid back. 3. It is best to have no debt whatsoever. 4. If I am given money for school in the form of a student loan or scholarship, the money will be sent to me as a check. 5. Debit cards are different from credit cards; with a debit card money is taken directly from my checking account when I make a purchase. 6. If I pay my entire credit card bill every month without letting a balance carry over to the next month, I will not have to pay interest. 7. If I am unable to pay a bill, it is best to just wait until the next month. 8. I have to pay Grants back. 9. If I withdraw from a class, I won’t have to pay for it. 10. “Excellent” credit is considered a score between 600 and 700. 11. My parents do not have to start paying back a Parent PLUS Loan until 6 months after I graduate from college. 12. I am not allowed to make payments on my student loans until after I graduate. 13. It is best to start budgeting as early as possible. 14. I started to accrue interest on my loans when the money was disbursed to me. 15. It is possible to defer a Parent PLUS Loan until after I graduate or drop down to part-time status. 16. Scholarships are only for students with good grades. 17. If I am awarded a scholarship, they will send me a check in the mail. 18. I can use the same essay...
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...indicated that I did want to apply for grants and Direct loans. However, I do not want to apply for grants and Direct Loans. 3. I originally indicated that I did want to apply for Direct loans in addition to grants. However, I only want to apply for grants and do not want Direct loans. 4. I originally indicated that I did not want to apply for Direct loans in addition to grants. However, I do want to apply for grants and Direct loans. The total amount of federal financial aid I would like to borrow for my academic year is $________________. 5. I want to increase the amount of my federal financial aid loans by requesting additional funds in the amount of $________________. 6. I want to decrease the amount of my federal financial aid loans in the amount of $________________. Note: If you have already received a financial aid award letter, please contact your finance advisor to cancel all or a portion of your federal financial aid loans. 7. I originally indicated that I did not want to apply for unsubsidized Direct loans. However, now I do want to apply for unsubsidized Direct loans. I want to increase the amount of my federal financial aid loans by requesting additional funds in the amount of $________________. 8. I originally indicated that I wanted unsubsidized Direct loans. However, now I would like to decline them. Yes No My parent(s) intends on applying for a Parent PLUS Direct loan. (Dependent Students Only) By signing below, I confirm...
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...[pic] REGIONAL OFFICE, NO.24, CRESCENT ROAD, BANGALORE • CHEAPEST EDUCATION LOAN IN THE INDUSTRY • HIGHEST LOAN • NO MARGIN – NO GUARANTEE • SPOT SANCTION OF LOAN Dear Student, If you are desirous, please reply by return mail so that we can make the loan available at the time of Registration / reporting at the Institute. Loan to Students of IIMs Indian Institutes of Management (IIMs) are premier Management Institutes in the country. Students passing out of IIMs command preference in the job market. In order to encourage students of IIMs to avail educational loans from our Bank, it has been decided to offer them certain concessions in existing Cent Vidyarthi Scheme. The details of concessions offered to the students seeking admission in IIMs are given hereunder; |Description |Concessions to IIM students | |Maximum loan amount |Rs 20 lakh | |Eligible expenses- addition |In addition to the eligible expenses enlisted in the existing scheme, following types of| | |expenses have been included for financing; | | ...
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...with student’s loans debt in the end. I the past few years, college have skyrocket, and the once affordable college education is now a tower of debt for the new recent graduate students. Most of us in order to complete or to continue college our education, will need some federal financial aid or federal student loans to close a small gap in the end. The average public college is around $20K per year, and a private university is double that amount. The average student get his gift aid (need-based aid plus merit aid), this combined with the self-help aid (work-study plus federal loans), total his financial aid packet. These federal loans are a portion of the self-help aid that most students need to close the small financial gap in the end. A few years back the average student loan was around $17,000 (for a regular four-year education), now that amount have climbed to $27,000, this is due to the rising cost of education. Sen. Elizabeth Warren (D-Mass.), have suggested providing federal financial support to states that fund public colleges. This proposal will eliminate government profits from student loans, and punishing colleges with graduates who aren't able to manage their debt. A good example for this college debt is my story. In the spring of 1994, after three years of college, I was forced to delay my education, this was due to the high cost of college tuition. To help cover the cost of my education, I have to rely on federal loans, since the money my parents have put aside...
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...Annuities, Sinking Funds, and Amortization Math Analysis and Discrete Math – Sections 5.3 and 5.4 I. Warm-Up Problem Previously, we have computed the future value of an investment when a fixed amount of money is deposited in an account that pays interest compounded periodically. Often, however, people do not deposit money and then sit back and watch it grow. Rather, money is invested in small amounts at periodic intervals. Consider these problems: 1. Chrissy deposits $200 each year into a savings account that has an annual interest rate of 8% compounded annually. How much money will Chrissy have in her account after three years? Hint: Make up a table of how much she has in her account by year. 2. Ben saves $50 per month in a credit union that has an annual interest rate of 6% compounded monthly. How much money will Ben have in his account after he has made six deposits? Page 1 of 7 II. Generalization Let's generalize the situation. Suppose we deposit P dollars each payment period for n payment periods at rate of interest i per payment period. a. Consider the first deposit only. During how many payment periods does interest get applied to this investment? ____________ Using the compound interest formula, how much is this part of the investment worth? Call this quantity A1. __________________________ b. Consider the second deposit only. During how many payment periods does interest get applied to this investment? ____________ Using the compound interest formula, how much is...
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...History: * First tax in 1861 to fund Civil War * Repealed in 1865 * Income tax law passed in 1894 but rejected by Supreme Court * 16th amendment was passed in 1913 * 42% of revenue is raised from individual income tax * 40% from social security, 9% corporate income tax, 9% other Tax Structure: * Progressive tax structure: tax rate increases as the tax base increases * US income tax system is this way * Proportional tax structure (flat tax): tax rate remains the same regardless of tax base * Regressive tax structure: tax rate decreases as the tax base increases * Social security tax system is this way * Average tax rate: total tax paid on a certain amount of taxable income * Marginal tax rate: rate of tax paid on the highest dollar of income Calculation of Tax: Income - deductions = taxable income X tax rates = tax liability - tax payments/credits = tax refund or due with return * For TI up to $100,000 use tax tables * Use tax rate schedules for higher income * Tax rate tables are calculated at midpoint of range; rate schedules are precise Tax Forms: * 1040EZ must be: * Single or married filing jointly * Taxable income less than $100,000 * Have no dependents * May only have income from wages, unemployment and interest * 1040A must be: * Any of 5 filing statuses and have dependents * Income limited to $100,000 * May have more...
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... 15 4 APA format 5 50 Marks Obtained Overall comment: Assessed by: Ms. Nur Amalina Date: Introduction I am Ken, currently the year ended student of University Tunku Abdul Rahman (UTAR). I am 23 years old and currently having a part time job as a waiter of RM 800 per month and confirm recruit by one company can Big Capital firm after graduated. I still have two more months to finish my study and I have been living together with my course mates in university. We rent a double storey house and the average rental for every person is approximately RM 300 per month (include Utility). My parents were buying a car to me 2 years ago for easily work and study. The transportation cost per month is within RM 200 to RM 250. My personal property consist of an iPhone6 (RM 3,000), HP Pavilion Entertainment Personal Notebook (RM 2,800), and the total saving of RM 3,500 as working as part time. In...
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...President Obama’s plan to assist with college expenses Margaret Ison Strayer University The Obama administration is planning to propose cuts in student loan programs for millions of students and parents struggling to pay for college. The administration is also planning tax incentives to assist in managing the financial burden of student loan debt. American families are continuously trying to figure out how they are going to pay for the rising cost of higher education expenses. These expenses can be overwhelming for those who aren't prepared. The U.S government is attempting to support those in pursuit of higher education and is sympathetic to those who are having problems managing this expense as well as those who have accumulated student loans that seem impossible to repay. In coming to the aid of taxpaying American citizens the U.S. government is offering a number of tax credits and other incentives that can provide substantial relief for many taxpayers. Let’s first consider the various credits and deductions available to students of higher education and for their parents. The most prevalent ways of reimbursing taxpayers for higher education expenses is through tax credits. There are two main credits available, one was introduced in 2009. The American Opportunity Tax Credit, it provides a credit of up to $2,500 per student. This credit is offered for up to four years of undergraduate studies and is therefore both an improvement and an expansion...
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...Pro-Life Aggies Pregnant & Parenting Student Scholarship Instructions Requirements * Full-time (minimum 12 hours) undergraduate student at Texas A&M University or Blinn College * Child must be living with applicant * Please include a copy of your unofficial transcript with this application. Please complete and submit this application in one of the following forms: * Email as an attachment to prolifeaggies@gmail.com * Drop off at or Mail to: Student Organization Finance Center Texas A&M University 125 Koldus Building, Ste. 235, Slot #741 College Station, TX 77843-1236 APPLICATIONS ARE DUE NO LATER THAN 11:59 PM on Friday, February 13, 2015. You will be contacted to schedule an interview upon our receipt of your application. Please check your email frequently in the 48 hours following submission of your application. INTERVIEWS WILL BE CONDUCTED ON Friday, February 20 to Sunday, February 22 SELECTED RECIPIENT(S) WILL BE NOTIFIED BY Friday, February 27th, 2015. Please direct any inquiries to prolifeaggies@gmail.com. We look forward to meeting you! Thanks & Gig ‘em! Pro-Life Aggies Pregnant & Parenting Student Scholarship Application Awarded Spring 2015 Name: ________________________________________ Phone Number: ________________ Address: ___________________________________________ Date of birth: _________ UIN:_______________________ Expected Graduation Date: ____________ Major:...
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