Financial 援助 Awards

Colgate financial aid awards are based on a student’s need and typically include a grant, 贷款, and work-study.

格兰特

这是一项制度性的、以需求为基础的助学金,提供给学生,而不考虑公民身份. 格兰特 aid is sometimes called "gift aid" because it needs to be neither earned nor repaid. 助学金完全基于实际需要,而不是学生的平均绩点(GPA)或专业, 等. At Colgate, a grant is typically the largest portion of an aid award.

贷款

Colgate aid packages may include a modest Federal Direct 贷款. Effective 为 fall of 2021, students with a total family income of up to $150,000 (and assets typical for that income range), will be eligible Colgate Commitment, an expansion of Colgate's no-贷款 initiative.  Colgate’s Class of 2021 他们的平均债务负担约为14,763美元,而全国平均债务负担约为30,000美元. 

威廉D. Ford Direct 贷款 program is a low, fixed-interest rate educational 贷款 program available only to U.S. citizens and eligible non-citizens. Students must complete the Free Application for Student 援助 (FAFSA),以确定申请联邦直接补贴贷款或联邦直接无补贴贷款的资格.

贷款s, whether federal or private, are funds that are required to be paid back to the lender, 不管学生是否成功地完成了他们的课程并找到了工作. 

Federal Direct Subsidized/Unsubsidized 贷款s

  • Complete the Free Application for Federal Student 援助 (FAFSA).
  • Request your 贷款 eligibility on your Financial 援助 门户网站 by completing the "Federal Direct Student 贷款 Request Form" 在 Supplemental 形式 页面.
  • First-time borrowers must log onto studentaid.政府 to complete the required Entrance Counseling and the Master Promissory Note (MPN). 

申请和/或申请2022-23学年的贷款的过程从5月1日之后的夏季开始. 

For students awarded a 贷款 as part of their award package, ibb官网下载不会自动为学生提供最高金额的联邦直接贷款. Federal Direct 贷款 amounts will increase each year, depending on institutional packaging policies and federal guidelines. 的 Department of Education allows eligible students to borrow up to $5,500 in their 第一个 year, $6,500 in their sophomore year, 和7美元,500 in both their junior and senior years. 

如果学生希望减少已经在他们的经济援助计划中提供的贷款金额, they may do so by logging-in to their Financial 援助 门户网站 and submitting the adjustment to the amount 在 "Accept Awards”页面. If a student wishes to increase a 贷款 amount already offered in their package, 第一个, accept the original 贷款s offered as part of the package. 的n complete the "Federal Direct Student 贷款 Request Form" 在 Supplemental 形式 页面 in the portal.

If a 第一个-time borrower,  to finalize the Federal Direct 贷款, a student must complete a Master Promissory Note and online 贷款 counseling as noted above.  

Federal Direct Parent Plus 贷款 enables parents to borrow directly from the federal 政府ernment up to the cost of attendance, minus any financial aid already awarded. Only one master promissory note (MPN) is needed throughout a student's enrollment at Colgate. 这是一种基于信用的贷款,要求家长向教育部提交一份电子申请. 本局会审阅你的信用报告,以了解你不良的信用纪录,并通知你决定批准或拒绝你的申请. In the event an application is denied, families can review alternative options, such as using an endorser or appealing, 在 federal student aid website.

How to apply 为 Federal Direct Parent PLUS 贷款

  • Complete the Free Application for Federal Student 援助 (FAFSA).
  • 登录到 studentaid.政府 填写您父母的FSAID和密码,并完成家长直接加贷款申请. If approved, you must also complete a Master Promissory Note (MPN) online at studentaid.政府 in order 为 贷款 to disburse. We will automatically receive your application automatically within a few business days. 

申请和/或申请2022-23学年的贷款的过程从5月1日之后的夏季开始. 

Federal Direct 研究生 Plus 贷款 使研究生可以直接从联邦政府贷款,最高可达就读费用, minus any financial aid already awarded. Only one master promissory note (MPN) is needed throughout a student's enrollment at Colgate. 这是一种基于信用的贷款,要求研究生向教育部提交一份电子申请. 本局会审阅你的信用报告,以了解你不良的信用纪录,并通知你决定批准或拒绝你的申请. In the event an application is denied, graduate students can review alternative options, such as using an endorser or appealing, 在 federal student aid website.

How to apply 为 Federal Direct 研究生 PLUS 贷款

  • Complete the Free Application for Federal Student 援助 (FAFSA).
  • 登录到 studentaid.政府 并填写研究生直接加贷款申请. If approved, you must also complete a Master Promissory Note (MPN) online at studentaid.政府 in order 为 贷款 to disburse. We will automatically receive your application automatically within a few business days. 

申请和/或申请2022-23学年的贷款的过程从5月1日之后的夏季开始. 

Federal Direct 贷款s are available to undergraduate students, regardless of family income, 达:

  • $5,500 为 第一个 year of school 
  • $6,500 为 second year
  • $7,500 为 third and fourth years

Depending on a student’s financial need determined by the FAFSA, 学生年度贷款限额的一部分可能会被授予联邦直接补贴贷款. 

Federal Direct Subsidized 贷款s are available to undergraduate students 达:

  • $3,500, 为 第一个 year of school 
  • $4,500 为 second year
  • $5,500 为 third and fourth years

After a student is awarded their Federal Direct Subsidized 贷款 eligibility, the remainder of their annual 贷款 limit can be awarded in a Federal Direct Unsubsidized 贷款. In some cases, a student is eligible for a Federal Direct Unsubsidized 贷款 only.

If a parent’s application for a Federal Direct PLUS 贷款 is denied, depending 在ir grade level, a student may be eligible for an additional $4,000 (第一个 year and sophomores) or $5,000 (juniors and seniors) in a Federal Direct Unsubsidized 贷款.
    
研究生可以在一学年的联邦直接无补贴贷款中借款高达20,500美元.

贷款类型 贷款限制
(for dependent students, unless otherwise noted)
Subsidized / Unsubsidized
第一年: $5,500 total ($3,500 max. Subsidized)
Independent or PLUS denial: $9,500 total
二年级: $6,500 total ($4,500 max. Subsidized)
Independent or PLUS denial: $10,500 total
第三年: $7,500 total ($5,500 max. Subsidized)
Independent or PLUS denial: $12,500 total
第四年: $7,500 total ($5,500 max. Subsidized)
Independent or PLUS denial: $12,500 total
Unsubsidized 贷款 for 研究生 Students Up to $20,500 per academic year/ $10,250 per semester
Parent PLUS 不超过上学时费用(由学校决定)减去同一学术期间收到的其他经济资助
研究生 PLUS 不超过上学时费用(由学校决定)减去同一学术期间收到的其他经济资助

 

A summary of this information can be found 在 federal aid website.

Federal Direct Subsidized 贷款

的 2021-22 interest rate for a Federal Direct Subsidized 贷款 is fixed at 3.73%. 的 政府ernment pays the interest that accrues during enrollment, and repayment begins six months after the student is no longer enrolled at least half time. 的re is an origination fee of roughly 1%.

Federal Direct Unsubsidized 贷款 (Undergraduate)

面向本科生的联邦直接无补贴贷款2021-22年的利率固定为3.73%. 的 政府ernment does not pay the interest that accrues during enrollment; the student is responsible for paying the interest. 的re is an origination fee of roughly 1%.

Federal Direct Unsubsidized 贷款 (研究生)

的 2021-22 interest rate for unsubsidized 贷款s for graduate students is fixed at 5.28%. In both portions of the program borrowers pay an origination fee of roughly 1%.

Federal Direct Parent PLUS 贷款

的 2021-22 interest rate 为 Federal Direct Parent PLUS 贷款 is 6.28% and borrowers pay an origination fee of roughly 4%.

贷款 repayment amounts can be calculated by using the federal 贷款 Simulator.

Federal Direct 研究生 PLUS 贷款

的 2021-22 interest rate 为 Federal Direct Parent PLUS 贷款 is 6.28% and borrowers pay an origination fee of roughly 4%.

贷款 repayment amounts can be calculated by using the federal 贷款 Simulator.

 

贷款类型 2021-22 Interest Rate Origination Fee 还款
Subsidized / Unsubsidized 3.73% 10/1/20 - 9/30/21
1.057%

After 10/1/21 TBD
Begins 6 months after the student is no longer enrolled at least half-time
Unsubsidized 贷款 for 研究生 Students 5.28% 10/1/20 - 9/30/21
1.057%

After 10/1/21 TBD
Start date is dependent on federal borrowing history; 贷款 can be deferred while enrolled at least half-time
Parent PLUS 6.28% 10/1/20 - 9/30/21
4.228%

After 10/1/21 TBD
Begins when the 贷款 is fully disbursed; however, in‐school deferment may be requested
研究生 PLUS 6.28% 10/1/20 - 9/30/21
4.228%

After 10/1/21 TBD
PLUS贷款的研究生借款人在就读期间和毕业后六个月自动延期贷款, leaving school, or dropping below half-time enrollment.

 

A summary of this information can be found 在 federal aid website.

勤工助学

勤工俭学奖是根据需要提供给某些学生的,但不考虑公民身份. 某些U.S. citizens and eligible non-citizens will have their work-study funds paid from federal sources; all other students will be paid from institutional sources only.

的 opportunity to work on campus allows students to invest in their own educations, reducing the need for additional 贷款s while also providing valuable work experience. 的 work-study amount can generally be earned by working between ten and twelve hours a week. 

As remuneration for jobs is generally earned on an hourly basis and paid bi-weekly, 奖励信中注明的金额不能从学生的大学学期账单中扣除. Students who have a work-study award greater than the combined estimate 为ir books, 旅行, and personal expenses may need to contribute the difference toward their billed expenses.

有关就业的更多信息可以在学生就业网页或联系 Student Employment 通过 Human 资源 Office.

Additional Awards

This is an institutional, 运动, 在某些体育项目中,不考虑公民身份,向选定的学生运动员提供基于成绩的奖励. Recipients and scholarship amounts are determined by the relevant Colgate coach.

Yellow Ribbon

Colgate participates in the Yellow Ribbon Program, a component of the Post-9/11 GI Bill. Eligible military veterans can learn more at 好处.va.政府 / gibill. 请注意,退伍军人必须有权享受最高的福利率,以便被考虑或让他们的家属,为这个项目. 这是一个机构和联邦的奖励,只提供给某些合格的退伍军人和他们的家属先来, 第一个-served basis. 的 award may be used to help cover on-campus expenses. Recipients and award amounts are determined by Colgate and the U.S. Department of Veterans Affairs.

Other Veteran's Benefits

Veterans Administration (VA) Educational Benefits *

  1. Post-Vietnam Era Veterans Educational Assistance (Chapter 32)
  2. Dependent and Survivors Educational Assistance (Chapter 35)
  3. Montgomery GI Bill (Chapter 30)
  4. Vocational Rehabilitation for Service-Disabled Veterans
  5. Montgomery GI Bill Selected Reserves Educational Assistance Program (Chapter 1606)
  6. Post 9/11 GI Bill (Chapter 33)

* Application 程序: Application forms, information, and assistance in applying for 好处 are available at 好处.va.政府 / gibill.

For further policies and procedures regarding Veteran's Benefits at Colgate, visit our 政策 and 程序 页面

This is a federally funded grant, available only to U.S. citizens and eligible non-citizens. If funding for this program is reduced, Colgate may not be able to replace this deficit. Awards greater than estimated will reduce Colgate 格兰特.

This is a grant awarded only to eligible New York State residents. By filing the FAFSA, New York State residents will be linked to the TAP application. If funding for this program is reduced, Colgate may not be able to replace this deficit. Awards greater than estimated will reduce Colgate 格兰特.


外部奖励是指学生通过竞争或择优录取过程获得的奖励. 而外部奖励和ibb官网下载的经济援助的总和不能超过出席的年度费用, ibb官网下载允许学生从外部奖励中获得最大可能的利益,首先减少学生和家庭负责的部分援助奖励. Thus, any outside award(s) will 第一个 be used to offset family contribution, job and/or 贷款. 只有在这些资金来源被完全抵消后,外部奖励才会减少学生的ibb官网下载奖学金.  学生必须向财政援助办公室报告所有的外部奖励,以便进行相关调整.

来自州或联邦政府的津贴奖励——包括退伍军人福利——以及基于父母就业的学费补贴不包括在该政策范围内,并将每一美元的ibb官网下载补助金减少一美元.

ibb官网下载资助将不会增加,以补偿学生不适当申请的外部援助.

Any outside award(s) should be 报道 请学生填写补充表格中的“外部奖学金表格”,提交给经济援助办公室 页面 在 student's Financial 援助 门户网站

What if I Do Not Receive Financial 援助 in My First Year?

ibb官网下载的第一年没有获得机构资助的国内学生可以在随后的几年申请资助. 在入学时没有获得ibb官网下载资助的国际学生,在随后的几年里将没有资格获得ibb官网下载资助.