让上得起大学

We offer a comprehensive financial aid program made up of federal, state and private funding. Financial aid is money you receive each semester to help with the costs of college. 在STLCC申请援助 一旦你回顾了我们的流程，就会变得简单吗.

经济援助可以有以下几种形式:

• Grants - A sum of money given to you to use for your education, without the expectation of being paid back.
• Loans - A sum of money you borrow to use toward your education, with the expectation that 它必须被偿还. 学生贷款的利率通常较低 会在你毕业或离开学校后开始积累吗.
• Work-study - The work-study program matches you with a part-time job so you can earn money toward 上大学期间的学费.

You can determine if you qualify for financial aid by applying online at the federal and state level.

我有资格获得多少助学金?

Aid is most often given based on need, but there are other factors that play a role.

The first step is to determine need, which is actually a straightforward process. Need is calculated through a simple equation: the cost of attending your college minus 你的家庭期望的贡献. 两者之差——量—— 你上大学需要多少经济支持.

Now, determining what amount you and your family can be expected to pay is where the math gets tricky. To get a fair estimate, you will need to fill out an application for aid, or a 免费申请联邦学生援助(FAFSA). Based on your application, the federal government performs an analysis to determine 你的家庭对你教育的期望贡献.

While these are two major contributors, other factors do impact the amount of aid you can receive. The amount of public funds available, how many credit hours you’ve enrolled in and when you submitted your application play a part as well.

With so many contributing factors, there’s no surefire way to guess what your aid will be. The best thing to do is to take out the guesswork and submit your FAFSA application.

Applying for FAFSA

The first step to getting help paying for your degree or certificate is completing the FAFSA form each year. Here are step-by-step instructions to make sure you’re setting yourself 你可以得到尽可能多的帮助. Oct. 1 .学生可以开始申请 加上上一年的税. 优先权申请4月1日截止，但如果你碰巧 错过了截止日期，你仍然可以申请部分资助. 

**There are major changes and improvements coming to the 2024–25 Free Application 申请联邦学生援助(FAFSA®)表格. 因此，新表单将可用 2023年12月31日，不是10月. 1. 

启动日期只适用于2024-25年的FAFSA表格.

1. Create your FAFSA ID. 在你开始申请资助之前，你需要创建一个 username and password. If you’re still a dependent, your parents may also set up an ID.
2. Apply for college. While you are waiting for your information to be verified, you can apply to STLCC. Choose the pathway that best describes you, but always select degree-seeking, otherwise 你将没有资格获得援助.
3. 完成来年的FAFSA. 一旦你设置了STLCC， complete your FAFSA，使用您在第一步中创建的用户名和密码.
4. 检查你的机构学生援助报告. 登录banner自助服务 to confirm the college has received your Institutional Student Aid Report. This will 还会告诉你需要提交哪些文件. 以确保你得到最大的 援助，在4月1日前完成所有步骤.
5. Send your transcripts. Submit your high school and any college transcripts to STLCC. 你可以做到的 one of our four, online vendors or in-person at your high school or college.
6. 核实课程安排. 在你得到援助之前，你的课程 need to be evaluated 学术顾问. Only courses that apply toward your declared major are eligible for financial aid.
7. 再来看看班纳. 当你完成了经济援助的过程，再检查一下 Banner Self-Service 跟踪您的进度并审查您的初始奖励.

Types of Aid

偿还学生贷款

There’s no doubt that student loans have stepped into the national spotlight. While 贷款受到了一些不太积极的关注 负责任地使用它们可以使大学成为可能 当它不是别的时候. 如果你发现自己需要借钱给你的 教育，联邦贷款是一个明智的选择，因为:

• They offer lower interest rates than private loans and credit cards
• 你不需要信用检查或共同签名(大多数)
• Repayment doesn’t begin until you graduate or drop below a half-time student
• Certain careers in the public sector even offer loan forgiveness

Remember, every dollar you take out in a loan, you must repay. The loans also accrue interest after college, meaning that you will pay more than what you borrowed.

Visit the U.S. 教育部 网站了解更多关于学生贷款如何运作的信息.

如何使用你的经济援助

Each semester you’re enrolled at STLCC, you will receive your financial aid in the form of refunds. Your refund will be deposited during the fifth week of the semester, after the Financial Aid office verifies that you are attending the classes you’re collecting aid for.

After you complete your FAFSA for the academic year, submit all required documents and register for classes, you will then receive an award notification to let you know what to expect.

You can use the aid to offset the cost of enrolling in your classes that semester.

If you receive a Pell grant or Direct Student Loan in an amount more than the cost 在课程中，你有资格申请图书账户. 这为您提供高达600美元的 全日制学生在校书店使用. 去书店看看 你可以用你的援助来购买.

Maintaining Aid

You are an investment. Financial aid is the government’s way in investing in a skilled 劳动力和健康经济. 就像任何精明的投资者一样，这些组织将拉动市场 funds if it looks like the opportunity isn’t going to yield gains.

If you want to continue to receive aid, you need to show you’re moving toward your 学位和进入劳动力市场.

There are three simple guidelines to follow to show you are demonstrating Satisfactory Academic Progress:

• 平均绩点不低于2分.0
• Complete 66.总学时的67%(累计)
• Complete your program in a reasonable amount of time (150 percent of total credit hours)

If you fail to meet these guidelines, you can regain your aid. 了解更多关于重建的信息 令人满意的学业进展.

联系招生服务办公室

Email: enrollmentservices@scottyharris.com
资助热线: 866-452-7579
报名服务电话: 314-539-5005