Types of Financial Aid
作为申请人，你可以获得三种类型的经济援助:助学金和助学金 scholarships, loans, and work-study. The amounts of each aid package will vary. If you are admitted to F&并获得经济资助，你将收到一封电子邮件 助学金信和录取信. Your package will outline each type and amount of financial assistance F&M is offering.
请记住，在资助你的教育方面，没有对错之分， and each family’s situation is unique.
Grants and Scholarships
助学金和奖学金被认为是礼物援助，不需要偿还. These funds could come from F&M，以及联邦和州政府. If a student 获得任何外部奖学金，他们需要通知F&M.
F&M Grants & Endowed Scholarships
Financial need determined by: CSS Profile.
Available to both U.S. residents and international students.
F&M奖助金和捐赠奖学金是直接来自F&M. They have 是校友、家长及书院朋友慷慨解囊的结果. Our largest fund is the F&M受托人补助金，这是提供给学生填写 联邦基于需求的援助与总体机构需求资格之间的差距. The F&M受托人补助金已修订，以适应您可能收到的任何补助金 联邦或州补助金，大学捐赠奖学金，或员工学费福利.
Examples of F&M scholarships include:
- Merit Scholarships (determined by the Office of Admission)
- Athletic Scholarships (Division I only; determined by F&M Athletics)
- Diplomat Leadership Scholarship (determined by the Office of Admission)
- F&M国际学生助学金(只提供给国际学生)
Federal and State Grants
Financial need determined by: FAFSA.
Available to U.S. residents only.
Federal grants include:
- Federal Pell Grant
- 联邦SEOG(补充教育机会补助金)
州助学金由你所在州的州奖学金办公室颁发给你
you reside. 请注意，并非所有的州奖学金都可以使用或转移
outside of your home state.
State Grants & F&M
如果我们被告知你有资格获得国家资助，在你收到你的 financial aid package, the F&受托人奖助金的金额将会减少 州助学金和修订后的经济援助通知将寄给你. Please 请注意，如果你有资格获得国家资助，但未能满足 your state grant deadline, F&M不会用F代替没收的州拨款&M Trustee Grant funds.
Loans
贷款是用来帮助符合条件的学生支付教育费用的贷款. 贷款被认为是“自助”援助，必须带着利息偿还. When considering 贷款资助你的教育，我们建议用尽所有的联邦贷款选择 before considering a private student loan.
Federal Direct Loans
Federal Direct loans are offered by the U.S. Department of Education. There are three 类型:补贴，无补贴和Parent PLUS. To be considered for any of these loans, you must first file your FAFSA.
Federal Direct Subsidized Loan
Financial need determined by: FAFSA.
Available to U.S. residents only.
The Federal Direct Subsidized Loan 是否适用于有经济需要的本科生. Your college of choice
determines the amount you can borrow. The U.S. Department of Education pays the interest
当你至少注册了一半的时间，并在你离开后的前六个月
the institution.
Federal Direct Unsubsidized Loan
不要求证明经济需要，但必须提交FAFSA. Available to U.S. residents only.
The Federal Direct Unsubsidized Loan is available to any student; there is no financial need requirement. Your college 选择决定你可以借多少根据你的出席费用和 other aid you receive. You are responsible to pay interest; if you choose not to pay 当你注册时，利息将累积并添加到 principal amount of your loan.
Federal Direct Parent PLUS Loan
FAFSA must be filed.
Available to U.S. residents only.
The Federal Direct Parent PLUS Loan 全日制或半全日制本科生的亲生父母或养父母是否可以申请 students. 家长可以借到的金额是上学费用之间的差额 and the student’s financial aid package. 家长可以借一整年的学费; we recommend you apply in mid-June. 本金和利息从45天开始支付 after the loan is fully disbursed.
PLUS拒绝:父母被拒绝PLUS贷款的学生可以借一笔预先确定的贷款 数额通过联邦直接无补贴贷款计划.
Private Student Loans
不要求证明有经济需要.
Available to U.S. residents only.
私人学生贷款，也被称为替代贷款，是你获得的贷款 your own outside of F&M. 他们应该是你资助你的最后考虑 education.
现在几乎所有的私人贷款机构都为你提供固定或可变利率的选择 利率，以及各种还款计划. Private loans have become more difficult 要获得，在大多数情况下，你将需要一个信誉良好的寄售人. If you opt 对于这条路线，请确保您和您的寄售人完全理解条款和 在签署本票和接受贷款要约之前了解贷款条件.
Elm Select 提供了F最常用的贷款机构列表&M families. Select “Undergraduate”
或在其网站的“选择您的计划”下拉菜单中选择“家长贷款”.
The F&M Loan
Financial need determined by: CSS Profile.
Available to international students only.
The F&M Loan是一种大学资助的、基于需求的贷款. Eligibility is determined by the CSS Profile. The loan has a fixed interest rate of 4.5%. Principal and interest are deferred while you are enrolled full-time. Interest begins six (6) months from the date you are no longer enrolled full-time. 10-year standard repayment.
Need-Based Employment (Work Study)
Financial need determined by: FAFSA and CSS. Available to both U.S. residents and international students.
勤工俭学经济援助-也被称为联邦勤工俭学或大学工作选择 — is self-help aid that is earned through on-campus employment. 学生有工资，每周最多工作8小时(但不超过8小时). The 通过在校工作挣来的钱是用来支付你的花销的 个人开支——不包括学费、食宿费等直接费用. Therefore, 勤工俭学的工资不记入学生的账单. While on-campus positions are 优先考虑勤工俭学的学生，你必须申请一个职位和你的简历 employment is not guaranteed.
Learn about on-campus employment at F&M