Underst和ing Undergraduate College 金融援助: Scholarships, 奖助金, 贷款, 和 勤工助学
Navigating college financial aid can often feel like an overwhelming task. 别担心. 我们支持你. 康考迪亚大学德州致力于确保每一个 student receives the support they need to pursue higher education, regardless of their 财务状况. 我们认为，没有人应该被剥夺受沙巴体育app的权利 财政拮据.
As an undergraduate student, you might be offered four distinct types of financial aid to help you embark on your college experience with confidence 和 peace of mind.
奖学金
The Concordia 招生 team determines These scholarships based on academic performance. Merit scholarships are available only to traditional undergraduate students (freshman 和转移).
奖助金
Considered gift aid, the amount of grants depends on financial need, enrollment status, 还有其他因素. Eligible students receive grants as part of their financial aid 奖励计划.
贷款
贷款是自助援助的一种形式. 学生必须同意指定的还款 和入学条件来接受他们.
联邦半工半读的
这种以需求为基础的自助援助包括校内工作. 学生获得该奖项 on the hours they work for their 联邦半工半读的 Employer, 和 it is not credited 他们的学生账户.
Concordia students are automatically considered for all types of financial aid.
Our 学生中心 Team will determine what aid students are eligible for 和 award 相应的. Regardless of the type of financial aid included in the 奖励计划, the total amount of financial aid cannot exceed the student’s 成本 of Attendance. Any outside resources, such as scholarships, employer tuition reimbursement, 和 private/alternative education loans that a student receives must be included in the financial aid calculation.
佩尔助学金
符合条件的项目: 大一新生, Accelerated Bachelor of Science in Nursing (ABSN), 在线 Undergraduate
奖励金额: 每年最高6895美元(根据注册情况) & 估计家庭贡献额)
奖的需求:
- 该学生不应持有以前的大学学位
- The student must be enrolled in at least 3 hours of course credit
- The student must fall below a specified estimated family contribution (EFC) from the FAFSA形式
联邦补充沙巴体育app机会补助金(fseog)
符合条件的项目: 大一新生
奖励金额: 每年最高1500美元(根据入学情况) & 基金的可用性)
奖的需求:
- 该学生不应持有以前的大学学位
- The student must be enrolled in at least 6 hours of course credit
- 零估计家庭贡献(EFC)是必需的
德州学费均等化补助金(teg)
符合条件的项目: 大一新生，在线本科生
奖励金额: up to $5,246 per year (based on estimated family contribution, enrollment & 基金
可用性)
奖的需求:
- 该学生不应持有以前的大学学位 和 目前没有在教会工作或攻读学位
- The student must be enrolled in at least 9 hours of course credit
- 学生必须是德克萨斯州居民 & 在过去的12个月里住在德克萨斯州吗
- The student must fall below a specific estimated family contribution threshold
更新需求:
- 在上一个援助年度在CTX完成24小时
- 学生必须持有最低累积GPA 2.5
- 学生必须持有75%的最低完成率
沙巴体育app合伙补助金
符合条件的项目: 大一新生, Accelerated Bachelor of Science in Nursing (ABSN), 在线 undergraduate
奖励金额: 每学时50美元
奖的需求:
- The student must work as a full-time, paid employee of a 康考迪亚大学 雇主合作伙伴计划
- The student must complete the Employer Partnership Program (EPP) Certification of 每年就业人数
教授予
符合条件的项目: 大一新生
奖励金额: 每年最高4,000美元(根据入学情况) & 封存)
总限制: $16,000
奖的需求 -学生必须符合以下所有奖项要求:
- The student must be a junior or senior accepted into the College of Education
- 至少有3个.本科GPA 25
- agree to teach in a low-income school in a high-need field for four years after the 学生完成她/他的课程
- 完成TEACH咨询和服务协议(ATS)
特别注意: If a student fails to meet or maintain all eligibility requirements for the TEACH Grant, the Department of Education will convert the TEACH Grant to a direct unsubsidized loan 和 will calculate the interest based on the date the TEACH Grant was 支付给学生.
联邦直接学生贷款
联邦直接补贴贷款是一种基于需求的贷款. 利息不会产生 在学生入学期间至少有一半时间. 然而，它确实在他们的过程中积累 六个月的宽限期，一旦学生开始还款. 联邦直接无补贴 贷款不是基于需求的贷款. 在学生入学期间，利息确实会增加 六个月的宽限期，以及还款期间. The interested rate for both loans disbursed on or after July 1, 2023 和 before July 1, 2024, is 5.50%贷款方是沙巴体育app部.
合格的程序: Traditional undergraduate, online undergraduate, Accelerated Bachelor of Science in
护理(ABSN)
奖励金额:
| 迄今为止的学时 | 依赖学生年贷款限额 | 独立的学生年贷款限额 |
| 0 - 29小时 | $5,500 | $9,500 |
| 30 - 59小时 | $6,500 | $10,500 |
| 60小时以上 | $7,500 | $12,500 |
总限制:
| 依赖学生 | 独立的学生 |
| 总计31,000美元，其中不超过23,000美元可获得补贴 | 总计57,500美元，其中不超过23,000美元可获得补贴 |
Federal Direct Parent Loan for Undergraduate Students (Federal Direct PLUS Loan)
If a dependent student's financial aid award does not cover all of their educational 费用，家长可以申请PLUS贷款. PLUS贷款的资格是基于 on the parent's credit score 和 along with several other factors.
Upon approval, parents may borrow enough to compensate for cost of attendance expenses 不包括在其他财政援助奖项.
If the PLUS Loan is denied due to adverse credit, the parent may be able to receive 通过担保人提供的替代贷款. 否则，学生可能有资格获得 额外的直接无补贴贷款.
Students may not receive financial aid amounts exceeding COA, no matter what type 该奖项被接受.
另类(私人)贷款
Alternative loans are administered 和 processed by private lending institutions (such as banks, credit unions, 和 state-based or state-affiliated organizations, etc.) 用作沙巴体育app费用. 这些贷款有助于弥合金融机构之间的差距 aid available from federal, state 和/or institutional resources 和 the total cost 你的沙巴体育app. Alternative loans should be used for circumstances where you have exhausted all other options in regards to financing your education.
Because these are non-federal loans, each lender sets its own eligibility criteria, 利率、处理费和还款条件. 一般来说，学生必须见面 fairly high credit st和ards to qualify on their own, so many students will need a 信誉良好的担保人，以符合资格.
Selecting a lender is the most important choice you will make before you begin applying 申请替代贷款. 贷款人的选择完全是你的，所以你的选择 should be made after careful research of which lender suits your needs 和 offers 尽可能低的利率. 仔细比较所有贷款条款和条件并阅读 all of the eligibility requirements for a loan before you apply in order to ensure 你符合标准. 如果你对哪个项目有疑问，可以打电话给贷款人 在你开始申请之前，做最好的自己.
康考迪亚大学 does not maintain a preferred lender list. 因此，我们 不能向学生推荐具体的贷款机构. 然而，我们确实认识到你 have many choices when considering a private loan, so we have provided a historical listing of private lenders used by CTX students during the last three years at ELMSelect. Students may select any lender 和 are NOT restricted to the lenders shown on the 历史清单. 请注意，贷款人列入此列表并不意味着 as an endorsement by the university, nor is it meant to limit your selection of a 私人沙巴体育app贷款.
For additional information regarding Alternative 贷款, please review our 另类贷款刊物.