金融知识
Financial literacy education provides students the tools and skills necessary to make informed financial decisions, 特别是在学生贷款的过程中.
Financial literacy enables an understanding of how to manage personal finances, 建立财务目标, 以及如何制定一个计划来实现财务目标.
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. Regardless of your location, we can help on-campus or virtually!
关键概念
These key concepts enable students’ understanding of financial aid and how that contributes to overall financial literacy.
援助的种类
UWF offers multiple sources of financial aid to help students pay for educational expenses. 我们的财政援助类型包括 grants, 奖学金，工作，学习，和 loans and are sourced from federal, state, institutional, and donor entities. UWF encourages students to initially seek non-loan financial aid options such as grants and/or 奖学金 if eligibility exists. 除了各种类型的礼品援助提供, students are encouraged to seek private 奖学金 to help offset expenses. 对于那些必须借书的学生, UWF encourages to borrow the least amount required to meet your needs.
预期家庭贡献(EFC)
The 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. The EFC measures your family's ability to contribute to educational costs but is not necessarily what you are asked to pay.
您的EFC直接影响我们的决定 财务需要. Financial need is calculated to help determine what types of financial assistance a student may be eligible to receive.
预算 基础知识和理解UWF成本
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 loans 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, 显示你何时需要调整你的支出, and helps you decide where your money goes instead of wondering where it all went.
The 估计直接成本计算器 会帮你计算估计的直接成本吗. 你的费用可能会根据你修了多少学分而变化, 你的膳食计划选择，以及你是否住在校园里.
A loan 是借来的钱必须偿还吗. 各种类型的低息贷款, long-term 联邦贷款 are offered on the basis of demonstrated 财务需要 or the 出勤费用. PLUS 联邦贷款 require a separate application based on credit.
Although subsidized and/or unsubsidized direct loans 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 联邦贷款 to accept or apply for, the best practice is to focus on direct costs rather than estimated 出勤费用.
A 私人学生贷款 is a financing option for higher education that can supplement, 但不应该取代, 联邦贷款, 比如联邦直接贷款. UWF never encourages increasing loan debt; however, 私人学生贷款s may assist you in various ways to include ineligibility or to gap direct costs.
有 limits on the amount in subsidized and unsubsidized loans that you may be eligible to receive each academic year (annual loan limits) and the total amounts that you may borrow for undergraduate and graduate study (aggregate loan limits).
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. 虽然有些私人贷款不收取发起费, 联邦贷款 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 loans are necessary to supplement their educational expenses.
In an effort to provide borrower assistance, we partnered with Inceptia 满足学生的还款需求. Inceptia is a nonprofit organization that collaborates with schools and loan holders to provide free assistance in understanding information, 学生贷款可用的工具和资源. Schools partner with Inceptia to provide student loan counseling assistance to current and former students at no cost.
Inceptia provides services through email, phone and chat platforms. 免费还款服务包括:
- 发现你的选择
- 了解和简化还款的资源
- 知识库总部全天候可用
- 代表学生进行咨询和辩护
- 直接与贷款人合作
- 有信心坚持你的计划
If you have not already been contacted by Inceptia, or if you have questions, visit Inceptia 获得你的免费服务.
额外的资源
路易斯·梅加登金融知识中心
UWF provides access to a key resource that focuses on improving the financial health and well-being of all students. The 路易斯·梅加登金融知识中心 increases awareness of and access to effective financial education. 该中心提供各种学习机会，包括 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:
- 评估当前财务状况
- 设定目标
- 跟踪收入和支出
- 了解收入
- 需求vs欲望
- Banking
- 建立和维护信用
- 保存记录的重要性
违约率通知
UWF's cohort default rate (CDR) for federal student loans is 0%, 低于1%的全国平均水平(截至10月10日). 4, 2023).