Grants, Loans, and Work-Study

佩尔助学金

Awarded based on need, the 佩尔助学金 is available if you have not yet earned a bachelor’s degree. A confirmed Federal 佩尔助学金 is credited to your CIA student account in two equal installments.

Federal Supplemental Educational Opportunity Grant

Also awarded based on need and if you have not yet received a bachelor’s degree, a Federal Supplemental Educational Opportunity Grant is credited to your CIA student account in two equal installments.

联邦直接贷款

These low-interest 贷款 for students and parents are offered through the U.S. 教育部. Direct 贷款 can be 有补贴或无补贴:

• 补贴贷款 are awarded based on financial need. 如果你有资格, the federal 政府ernment pays interest on the loan until you begin repayment. Loan proceeds are disbursed in two equal installments credited to your CIA student account.
• 未受资助的贷款 do not require a demonstration of financial need. 如果你有资格, you will be charged interest from the time the loan is disbursed until it is paid in full. You can choose to pay the interest or allow it to accumulate. If you allow the interest to accumulate, it will be capitalized—that is, the interest will be added to the principal amount of your loan and will increase the amount you have to repay. If you pay the interest as it accumulates, you will repay less in the long run.

Direct Loans—amounts for dependent students:

• Degree program freshmen can borrow up to $5,500 (including up to $3,500补贴).
• Degree program sophomores can borrow up to $6,500 (including $4,500补贴).
• 初中, 老年人, and students in the undergraduate certificate program can borrow up to $7,500美元(含5美元),500补贴).
• Students in the graduate certificate program may borrow up to $20,500 in an Unsubsidized Loan only.
• Dependent undergraduate students whose parents are unable to borrow a Federal Direct PLUS due to adverse credit can receive an additional $4,000 in Unsubsidized Loan funds.

Direct Loans—amounts for independent students (typically 24 years old or older)

• Degree program freshmen can borrow up to $9,500 (including up to $3,500补贴).
• Degree program sophomores can borrow up to $10,500 (including up to $4,500补贴).
• 初中, 老年人, and students in the undergraduate certificate program can borrow up to $12,500美元(含5美元),500补贴).
• Students in the graduate certificate program may borrow up to $20,500 in an Unsubsidized Loan only.

* If you have a Federal Direct Loan, the loan will be submitted to the National Student Loan Data System and be accessible by guaranty agencies, 银行, and institutions determined to be authorized users of the data system. For more information, visit studentaid.政府.

联邦直接加贷款*

Federal Direct PLUS Loans are 贷款 for parents of dependent undergraduate students (Parent PLUS) or students in a graduate program (Grad PLUS).

父母 of dependent undergraduate students may apply for a 家长PLUS贷款 to help with their child’s educational expenses. “Parent” is defined as the student’s biological or adoptive parent or custodial stepparent. 应用:

• The student completes the FAFSA.
• The parent must not have an adverse credit history.
• The parent must complete the Parent PLUS application and sign the Master Promissory Note (MPN).

父母 can apply for a 家长PLUS贷款 up to 180 days prior to the student’s entry date. The amount that may be borrowed is limited to the student’s cost of attendance (as determined by CIA), minus financial aid from all other sources.

To obtain more information about the Federal Direct PLUS program, including the current interest and fee rates, students and parents should visit studentaid.政府.

Students in a graduate certificate program may apply for a 毕业生加分贷款 to help with their educational expenses. 应用:

• The student must complete the FAFSA.
• The student borrower must not have an adverse credit history.
• The student must complete the Grad PLUS application, compete the entrance counseling, and sign the Master Promissory Note (MPN).

Students can apply for a PLUS up to 180 days prior to their entry date. The amount that may be borrowed is limited to the student’s cost of attendance (as determined by CIA), minus financial aid from all other sources.

To obtain more information about the Grad PLUS program, including the current interest and fee rates, 学生应该参观 studentaid.政府.

* If you have a Federal PLUS, it will be submitted to the National Student Loan Data System (NSLDS) and be accessible by guaranty agencies, 银行, and institutions determined to be authorized users of the data system. For more information, visit studentaid.政府.

联邦半工半读的

As a Work-Study-approved student, you may find employment by applying for one of the jobs at CIA. You will receive a paycheck every other week and may work up to 20 hours per week. Community service Work-Study positions are also available and may be obtained through CIA Student Financial and Registration Services. Although preference for on-campus employment is given to Work-Study-approved CIA students, 工作不能保证. As you are receiving a paycheck, money received through this award is not deducted from your bill by CIA.

退伍军人的福利

退伍军人, 配偶, 家属, and surviving family members of veterans whose death or disability was related to their service may be eligible for educational benefits while attending CIA. Forms and information are available at all 退伍军人 政府 offices. 联系美国威廉希尔中文 Student Financial and Registration Services 有关详细信息,.

几个你.S. 状态s offer need- or merit-based grants to residents. 了解更多信息, please contact your 状态 education departments to determine availability and eligibility.

纽约

纽约’s largest grant program is the 学费援助计划 (利用), which helps you pay tuition at in-状态 postsecondary institutions. 在你提交 开发应用程序，你必须完成 FAFSA.

For other 纽约 grants and 奖学金, visit the 纽约 State Higher Education website.

加州

If you’re a resident of 加州 and enrolled at CIA Greystone, you are eligible for the Cal Grant. 一定要完成你的 FAFSA by March 2 of the year you plan to enroll at CIA. For more information, visit the 加州 Student 援助 Commission website.

德州

If you’re a resident of 德州 and enrolled at CIA San Antonio, you may be eligible for 状态 aid. For more information, visit the College For All Texans website.

职业康复

如果你有残疾, you may be offered assistance by your 状态’s Department of 职业康复. Please have your rehabilitation counselor contact CIA Student Financial and Registration Services if you’re offered assistance through this program.

选择贷款, also known as private 贷款, are privately funded 贷款 for students and parents to borrow to help fund their education at CIA.

Eligibility and interest rates for alternative 贷款 will generally be based on credit history. These 贷款 may require a cosigner if a student does not have a substantial credit history.

CIA does not use a preferred 银行 list, nor do we endorse or recommend any 银行 over others. CIA strongly recommends all students file the Free Application for Federal Student 援助 (FAFSA) and utilize all federal student loan opportunities before applying for alternative 贷款.

To help students and their families evaluate multiple different lender options, CIA使用ELM Select. This website offers a breakdown of the interest rates, payback terms, fees, etc. of many different 银行 our students often use.

访问ELM Select

Students and parents have the right to choose the lender of their choice. If students wish to choose a lender that is not listed on this website, it is their choice to do so.