资源

• UNH 金融 aid deadline is March 1. 这意味着你的申请必须由联邦处理人员接收.
• You must re-apply for 金融 aid every year.
• 应用 for federal aid using the Free Application for 联邦 Student Aid (FAFSA). You can apply beginning Oct. 1 at fafsa.政府.
• Students and parents both need an FSA ID to sign the FAFSA application electronically.
• 申请必须是完整和准确的，以评估您的财务信息. Incomplete applications will delay the aid process.
• If you are planning to visit the campus, 预约与财务援助顾问和招生官谈谈.
• 保存提交给学院或联邦处理人员的所有材料的记录.
• 的 FAFSA will require income data from the prior year (ex. 2023-2024 FAFSA will look at 2021 income); use the Data Retrieval Tool (DRT) to import your tax information.
• 尽快回复所有询问和文件要求. 如果不这样做，可能会导致收到你的经济援助计划的延迟.
• Never assume: Read all information sent to you thoroughly. If you have questions, call the appropriate college office.
• Understand the terms and conditions of all assistance offered. 确保offer是一个坚实的承诺，而不仅仅是对资格的估计或初步评估.
• If you have been dealing with an intermediary, 比如教练, 部门主管, or other college officials offering 金融 assistance, 与财务援助办公室核实，以确保个人有权发出录取通知.
• 在拜访之前先打个电话，确保你感兴趣的人当天有空.
• 通知财政援助或学生会计办公室任何外部奖学金, grants or other assistance you will be receiving.
• When in doubt, ask.

概述

联邦: 联邦 student loans are real loans and must be repaid. Know what you owe by logging into StudentAid.政府 与你的 FSA ID.

你偿还学生贷款的时间越长，你在贷款期间要支付的钱就越多. Once your loans are paid off, more of your earnings can go to discretionary expenses such as a car, 假期, 房屋所有权, 投资等.

获取所有你需要的信息来管理偿还你的联邦学生贷款 联邦 Student Aid: Understanding Student Loan Repayment.

私人: If you took out private student loans, 你需要直接联系你的贷款人，以确定你欠了什么和你的还款选择.

Calculating Your Loan Payment

去这些贷款计算器之一，找出你的每月付款将是多少，并发现你将在贷款期限内支付多少利息. 试着缩短你的还款期限，你会发现你的月供增加了，但利息却减少了.

• Mapping Your Future: Loan Repayment Calculator
• 联邦 Student Aid Loan Simulator

整合

If you have taken out several loans, 你可以把它们合并成一笔贷款，每月只还一次款. 然而, depending on which repayment plan you choose, this may increase your total amount paid to the loan. 请注意，合并您的贷款可能会使您失去借款人的利益. 你应该联系你的贷款服务商，权衡合并的利弊. You cannot consolidate your 联邦 and 私人 loans together.

联邦:符合条件的联邦贷款的合并只能通过 联邦 Government.

私人: 整合 for eligible private loans is available through

• 富国银行(wells fargo)
• 国民银行
• EDvestinU

Don't Jeopardize Your Financial Future

记住，每月按时偿还助学贷款会帮助你建立信用，不负责还款会损害你的信用，从而影响你未来的机会. 如果你在支付每月贷款方面有困难，你需要联系你的贷款人寻求帮助.

Deduct Student Loan Interest from Your Taxes

你可以为自己申请的学生贷款利息减税, 你的配偶, 或者你的家属. 这项福利适用于所有用于支付高等教育费用的贷款(不仅仅是联邦学生贷款)，即使你没有列出扣除项目，也可以使用. 的 maximum deduction is $2,500 a year.

扣除有收入限制和其他限制. 请向美国国税局或合格的税务顾问咨询完整的信息.

Free Credit Report

联邦政府规定，消费者每年都有资格从益百利(Experian)等信用机构获得一份免费的信用报告, TransUnion and Equifax (EFX). Free reports are only at AnnualCreditReport.com . Other sites that offer free reports charge for other services.

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美国NH 校友 Association 接受学生家长的奖学金申请, grandparent or great-grandparent attended UNH. 奖学金 recognize leadership skills, outstanding academic records and broad extracurricular interests. 奖学金 open in February.

的 New Hampshire Charitable Foundation 提供资助, 为新罕布什尔州居民在经批准的高等教育机构攻读本科或研究生课程提供无息和低息贷款. 联系他们的信息和申请:37 Pleasant Street, Concord, NH 03301 ~ (603) 225-6641 or (800) 464-6641 E-mail: info@nhcf.org

金融援助 for Students with Disabilities: scholarships and fellowships for students with disabilities.

的 Lord Scholarship is a need-based scholarship fund for residents of Carroll County. 主奖学金申请必须在3月1日之前提交给财政援助办公室.

美国服务队程序 -完成服务的美国服务队成员有资格获得4美元的教育奖励,725 (based on full-time service)

陆军和空军为参加学士学位课程的合格学生提供奖学金. 访问 军队参加后备役军官训练军团 or 空军后备军官训练队 for more information.

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的 SmartStudent Guide to 金融援助 在网上提供免费全面的学生经济援助信息.