常见问题

 

Frequently Asked Questions

 

What is 金融援助?

经济援助是指赠款、奖学金、贷款和就业等形式的资金 to assist in paying for your college education. 的 two main types of aid are:

• Merit-Based Aid: Usually a scholarship.
• Need-Based Aid：根据公式颁发给有需要的学生. 的 three types of need-based aid are:

奖助金: federal or state gift funds that do not have to be paid back. 的 three types of grants available at 火博体育官网 are Pell 奖助金, SEOG and NMSIG.
贷款必须在一段时间内偿还的借款，通常在学生毕业后偿还 离开学校. 火博体育官网参与了联邦直接斯塔福德补贴和非补贴 贷款计划和本科生家长PLUS贷款.
勤工助学学生通过兼职挣来的钱，通常是在校园里. 基金 用来支付勤工俭学学生收入的主要部分 联邦勤工俭学计划或新墨西哥州勤工俭学计划.

What is financial need?

经济需求是指你每年的总教育费用（成本）和学费之间的差额 出席率)，以及您和您的家人预计支付的金额 免费申请联邦学生援助（FAFSA）的结果. 的 amount that 你和你的家人需要支付的费用被称为学生援助指数（SAI）. 的 每所学校的入学费用会有所不同，但SAI是相同的. 你的经济需求因学校而异，因为费用不同.

Cost of Attendance – Student Aid Index = Financial Need

What is included in the cost of attendance?
的 cost of attendance usually includes:

• Tuition and fees
• Books and supplies
• Living Expenses - Food and Housing 
• Transportation
• 贷款费用
• Personal and miscellaneous expenses
  

 

Am I supposed to help pay the cost of attendance?

是的，基于需求的援助背后的原则之一是学生和他们的家庭 should pay what they can afford for educational expenses. This means that you will 你应该帮助支付你的学费，如果你是一个“依赖”的学生， your parents may also be expected to help.

How is dependency status determined?

你将被视为经济援助的受抚养学生，除非你满足 one of the following criteria:

• Born before date specified on current FAFSA;
• 孤儿，受法院监护，或自13岁起被寄养；
• Veteran of the U.S. 武装部队;
• Currently servicing on active duty in the U.S. Armed Forces for purposes other than 培训;
• 有法定受抚养人，其赡养费一半以上来自你；
• Will be a graduate student during aid 一年 applied for;
• Married before the date you complete your FAFSA;
• Emancipated minor or in legal guardianship; or
• 被认定为无家可归的无人陪伴青年
  

 

的 FAFSA asks for previous tax 一年 income information. 的re has been an extreme change of income in my family. What should I do?

当你收到FAFSA提交摘要时，按要求回答所有问题 你应该联系财政援助办公室并解释你的特殊情况. We may be able to assist you. You will need to complete the Special Circumstances 填写并提交所有必要的文件，以支持情况的变化.

How is Student Aid Index (SAI) calculated?

A standard formula is used to calculate a student’s SAI. You and your parents, if 你是一个独立的学生，提供在公式中使用的信息，完成 a Free Application for 联邦 Student Aid (FAFSA).

标准公式考察家庭规模、家庭收入和资产. Assets include 现金、支票和储蓄账户、企业股票、投资和实物 estate, and in some cases, farm equity. Equity in the family home is not included. From this information an SAI is calculated. If the SAI is not enough to cover your 教育费用，根据学校的决定，你可能有资格根据需要 金融援助.

How do I apply for need-based 金融援助?

你需要每年通过填写一份表格来申请基于需求的经济援助 Free Application for 联邦 Student 金融援助 (FAFSA), preferably by Feb. 每年14个. 的 FAFSA includes all the information necessary 以确定你的学生资助指数，如果你想被考虑，必须填写 for any of the federal programs sponsored by the U.S. Department of Education.

How do I apply for merit-based aid?
你需要检查几个来源来申请基于成绩的援助. 一个重要的 source is your high school guidance counselor’s office. Your guidance counselor will have details about many local scholarships.

火博体育官网基金会提供了许多来自各种捐助者的奖学金机会. You can apply for a 火博体育官网 Foundation scholarship here 奖学金. 下一学年的申请将于每年1月开始 一年.

的re are various other sources you may want to check out. You should never pay a fee for a scholarship search! Check out our scholarship page!

是否有其他资格标准有资格获得联邦援助?

Yes, you must also meet the following criteria:

• 是美国人.S. citizen or eligible noncitizen;
• have a valid Social Security number;
• 作为合格学位的普通学生入学或被录取 or certificate program;
• 注册至少一半的时间才有资格申请直接贷款；
• maintain satisfactory academic progress;
• 在FAFSA上签署声明，说明你没有拖欠联邦学生 贷款和不欠钱的联邦学生助学金，你将使用联邦学生 aid only for educational purposes; and show you are qualified to obtain a college degree by having a high school diploma, a General Educational
• 高中毕业，获得发展GED证书，HiSET或已完成 高中教育：在州法律允许的家庭学校环境下的高中教育.
  

 

How will I hear about my aid eligibility?

你可以跟踪你的经济援助申请的状态，未完成的要求， and aid offers by logging in to your 火博体育官网 T-Bird Portal. Select Self Service Banner, then 金融援助, and 金融援助 Dashboard. You can also select the College Financing 计划看看你估计的就读费用和已经收到的经济援助 applied to your account. Also, keep close check on your 火博体育官网 email for 金融援助 通知. 如果你对自己是否有资格获得经济援助有任何疑问， 请电子邮件 financialaid@smcun.com or call 575-392-5172. 

I find the 金融援助 process very confusing. Should I pay a fee to a company that specializes in 金融援助?

小心那些收取服务费来处理援助申请的公司. 火博体育官网的 财政援助办公室免费提供同样的服务! Also beware of services that charge a fee to help you locate scholarships. Your chances are just as good if 你花时间在当地图书馆和高中指导下做研究 办公室.

What is the "Return of Title IV funds"?

教育部要求火博体育官网的财政援助办公室重新计算 联邦财政援助资格的学生退学，被驳回 或者在完成本学期60%的课程之前请假. 联邦 第四类援助包括佩尔助学金、补充教育机会补助金（SEOG） and the Stafford Loan and the PLUS loan.

如果一个学生在本学期的所有成绩都是F，那么他也会被退回学衔 IV funds recalculation. 的 calculation will be based on the student's last date of 根据课程导师的报告，积极参加所有课程.

符合上述任何一种情况的学生将被退回职称 IV calculation. 这可能需要学生偿还一部分联邦助学金 back to the Department of Education and/or the College.

我听说新墨西哥州的居民可能有资格获得免学杂费. How does that work?

是的，符合资格要求的新墨西哥州居民可以获得州奖学金 称为NM立法彩票和/或NM机会奖学金. 为了找出答案 更多火博体育这些基金的资格要求，请点击 在这里.