Financial literacy education provides students the tools and skills necessary to make informed financial decisions, particularly in regards to the student 贷款 process.
Financial literacy enables an understanding of how to manage personal finances, 建立财务目标, and how to develop a plan to reach financial goals.
Financial literacy enables students to develop critical skills in money management that will carry beyond college. Students are better prepared to make informed decisions now and in the future that will aid in building financial stability, 包括增加储蓄和减少债务.
的se key concepts enable students’ understanding of financial aid and how that contributes to overall financial literacy.
In addition to the various types of gift aid offered, students are encouraged to seek private 奖学金 to help offset expenses.
的 information you provide on the FAFSA calculates what is known as your 预期家庭贡献(EFC). UWF, along with most colleges, uses the EFC as the basis for awarding need-based financial aid. 的 EFC measures your family's ability to contribute to educational costs but is not necessarily what you are asked to pay.
Your EFC directly contributes to how we determine 财务需要. Financial need is calculated to help determine what types of financial assistance a student may be eligible to receive.
Our goal is to provide students with the tools they need to make informed decisions. This information provides an overview of critical concepts students should understand to effectively borrow 贷款 with good financial habits in place:
预算 will help you build decision-making skills and reach your financial and academic goals. 预算使你的财务状况处于控制之中, shows when you need to make adjustments to your spending, and helps you decide where your money goes instead of wondering where it all went.
的 估计直接成本计算器 will help you calculate your estimated direct costs. Your costs may change based on how many credit hours you take, your meal plan selection and whether you live on campus.
A 贷款 是借来的钱必须偿还吗. 各种类型的低息贷款, long-term federal 贷款 are offered on the basis of demonstrated 财务需要 or the 出勤费用. PLUS federal 贷款 require a separate application based on credit.
Although subsidized and/or unsubsidized direct 贷款 are offered to students up to their full eligibility, students have the option to accept a portion versus the entire amount.
When determining how much federal 贷款 to accept or apply for, the best practice is to focus on direct costs rather than estimated 出勤费用.
有 限制 on the amount in subsidized and unsubsidized 贷款 that you may be eligible to receive each academic year (annual 贷款 限制) and the total amounts that you may borrow for undergraduate and graduate study (aggregate 贷款 限制).
联邦学生贷款有一个 融资费用; therefore, the amount you may receive as a disbursement will be less than the amount you accept. Although some private 贷款 do not have 融资费用s, federal 贷款 generally have a lower interest rate and are less costly overall.
还款 往往超出学生的预期, so please utilize the resources provided to estimate in advance. At UWF, we encourage borrowing students to only accept what is needed. 因此, we suggest students consider only direct costs when determining whether 贷款 are necessary to supplement their educational expenses.
联系您的贷款服务机构 if you would like to discuss repayment plan options or, 如果已经在还款, 改变你的还款计划. You can get information about all of the federal student 贷款 you have received and find the 贷款 servicer for your 贷款 by logging in to 我的联邦学生资助.
UWF provides access to a key resource that focuses on improving the financial health and well-being of all students. 的 路易斯·梅加登金融知识中心 increases awareness of and access to effective financial education. 的 center offers various learning opportunities, including 一对一的会议、工作坊、研讨会及演讲系列. 该中心可以帮助学生:
UWF's cohort default rate (CDR) for federal student 贷款 is 1.8%，低于全国平均水平2%.3%(截至2009年9月. 14, 2022).