Apply For Financial Aid

What is Central Methodist University's FAFSA school code?
002453 for ALL CMU campuses

What parent(s) do I include on my FAFSA?
This infographic will help you determine which parent(s) to include on the FAFSA. 如有其他问题，可致电经济援助办公室( 660-248-6245), or email us directly at finaid@furkid.net.

Who is eligible for financial aid?
To be eligible for federal aid you must be a U.S. citizen or eligible non-citizen, registered with Selective Service (if required), be degree seeking, making satisfactory academic progress, and not in default on an educational loan. To be eligible for federal loans, 你必须注册至少一半的时间(每学期六个学分或更多) .

Are there outside websites for more information about Financial Aid?

Why should I apply for financial aid?
Many families mistakenly believe they don't qualify for aid, 阻止自己接受他们可能有资格获得的援助. In addition, there are sources of aid, 如无资助贷款及本科生家长贷款(PLUS), available regardless of income. The FAFSA is free. It does not obligate the student or the parent in any way. There is no reason not to apply.

How much financial aid will I receive?

根据免费申请联邦援助(FAFSA)提供的信息, our Financial Aid Counselor will determine eligibility. 一旦学生的助学金资格被确定，他们就可以在myCMU上查看他们的助学金. After a student's aid is finalized, 学生将收到一封电子邮件，告知他们需要接受或拒绝他们的援助. The financial aid can be found on the student's myCMU account, under the Student Tab, then click on Financial Aid, then Accept/Decline Aid. Choose the Academic Year, then click on View Financial Aid. Follow the instructions and then hit submit to complete the process. Students do not have to accept all aid offered. Remember: Loans must be repaid.

How can I check my financial aid status?
Students can view estimated financial aid on their myCMU account. 财政援助办公室需要的任何文件都将被显示. 有关援助状况的进一步问题可以联系财政援助办公室.

How can I get an estimate of my federal aid situation?
This Financial Aid Estimator will give you an estimate of your Expected Family Contribution (EFC). It will also give you an estimate of your financial need. 这两项都是联邦和州政府发放援助的基础.

When is a student considered independent?
A student is considered independent if: age 24 before January 1st of the award year; married; working on a master’s or doctorate program; serving on active duty or a Veteran of the US Armed Forces; have dependent(s) other than a spouse for whom they provide more than 50% of the support; orphans or wards of a court; an emancipated minor; in legal guardianship; or homeless. 如果学生是独立的，但有条件，可以作为一个独立的学生, the student should contact the Director of Financial Assistance. 例如，一个被监禁的父母，学生无法接触到他, or an abusive home situation.

什么是令人满意的学业进展，它如何影响我的经济资助情况?
According to state and federal regulations, 所有申请联邦和/或州财政援助的学生必须在学位课程中保持令人满意的学术进步，才能获得联邦和/或州的资金. For further information please see Standards of Academic Progress.

What will happen if I withdraw from all classes?
如果决定退学，学生应完成正式的退学程序. 费耶特校区的学生需要见位于学习和教学中心的学生成功主任. 参加扩展校区的学生应该见他们的指导老师，并通过他们的myCMU完成在线退出表格. 退出可能会影响财政援助，并可能导致部分或全部联邦援助被归还给联邦政府. For further information please see Return to Title IV Funds.

如果我的财务状况发生了变化，我可以更新我的信息吗??
Yes, 如果学生和/或家庭有不寻常的情况，如非自愿失业, death of a parent and/or spouse, unusually high medical and/or dental expenses, divorce or separation, or other unexpected event that changes a student's financial situation. 学生应提交收入减少表和所有要求的文件到财政援助办公室. 财政援助主任将审查这些信息，并确定是否可以对学生的援助进行任何调整. 不能保证学生的经济援助会有任何调整. 在提交所需文件后的30天内，将作出专业判断.

Loans

How do I apply for a Direct Loan?
Students must first complete the FAFSA. After the FAFSA is processed, CMU将审查结果，并通过发送电子邮件通知学生如何接受/拒绝经济援助，通知学生贷款资格. Returning students can review their results on myCMU. All students must apply for Federal Direct loans by completing Entrance Counseling and a Master Promissory Note. Entrance Counseling will review basic facts about loans, managing education expenses, and rights and responsibilities as a student loan borrower. 如果学生已经在其他机构完成了主本票或入学咨询, and they are not expired, the student does not need to complete them again for CMU.

How much can I borrow?
There are limits on how much can be borrowed each academic year. 学生可能并不总是有资格获得最高直接贷款金额或补贴贷款. Please refer to the following for current loan limits:

Dependent Undergraduate Students
Freshman (0-29 hours) = $5,500/year, up to $3,500 subsidized
Sophomores (30+hours) = $6,500/year, up to $4,500 subsidized
Students (60+ hours) = $7,500/year, up to $5,500 subsidized
最高贷款总额= 31,000美元，补贴不超过23,000美元

父母被拒绝PLUS贷款的独立本科生和受抚养学生
Freshman (0-29 hours) = $ 9,500/year, up to $3,500 subsidized
Sophomores (30+hours) = $10,500/year, up to $4,500 subsidized
Students (60+ hours) = $12,500/year, up to $5,500 subsidized
最高贷款总额= 57,500美元，补贴不超过23,000美元

请注意:学生可能并不总是有资格获得最高贷款金额. Dependent students may borrow up to $31,000加上额外的无补贴贷款金额，加上拒绝. 这些学生作为本科生仍然受限于57,500美元的总限额.

Graduate Students
All Students = $20,500/year, subsidized is not available
最高贷款总额= 138,500美元，补贴不超过65,500美元
注:2012年7月1日以后，研究生不再有资格获得补贴贷款. 研究生总限额包括本科学习的直接贷款.

如果学生在秋季和春季学期接受了他们的全部贷款限额, no loan eligibility will be available for summer. 根据在赌钱游戏官方网站就读的费用和收到的其他援助，学生可能没有资格获得学年限制.

有补贴贷款和无补贴贷款有什么区别?
补贴贷款是基于完成的学时/学年(大一、大二等).) and on demonstrated need. 无补贴贷款也是基于完成的学时/学年, but is a non-need based program. A completed FAFSA is required. 补贴贷款的利息在你在校期间延期支付，在你毕业六个月后开始偿还，或者在入学时间低于半期时开始偿还. Unsubsidized loans have the same repayment time frames, but the interest starts to accrue at the time of disbursement. 学生可以选择随时支付利息，也可以选择延期支付，并将其纳入本金.

What is the interest rate?

Visit the Federal Student Aid Website for current and historical federal student loan interest rates.

How many hours do I have to be enrolled to qualify for a Direct loan?
本科生必须注册至少一半的本科学时，才有资格获得直接贷款. Enrollment will be verified at the end of the first week of classes. 如果一个学生在学期中退了全部或部分课程, 学生可能需要偿还全部或部分获得的经济援助.

When and how will I receive my Direct Loan Funds?
Direct Loan funds will distribute directly to CMU. Loan money will be used first to pay tuition and fees. 如果有剩余的资金，商务办公室将根据学生的要求开具退款支票. 新生或转学生在退款前将有30天的贷款资金保留. CGES students will receive two equal loan disbursements per semester.

When should I expect my refund?
Once enrolled hours have been confirmed, 商务办公室将开始处理已收到经济援助并有资格退款的学生的退款. 学生可以在myCMU上查看他们的“学生账单对账单”，看看他们的账户上是否有信用，是否有资格退款. Refund checks are mailed to the address on file; please make sure to update your address before classes begin.

为什么我申请的贷款金额和我收到的贷款金额不一样?
贷款金额的一小部分由政府保留，作为违约费和发债费. 违约费用于创建准备金，以便在借款人拖欠贷款的情况下保护贷款计划. Origination fees are a processing fee. 因此，学生实际收到的将是奖励金额减去费用. The origination fees on subsidized and unsubsidized loan are 1.069 percent and 4.276 percent on PLUS loans.

What if I change my mind after I have applied for loans?
学生可以书面通知财政援助办公室取消全部或部分贷款. 每当学生的账户被记入贷款款项时，CMU将通知学生. 此通知将不早于CMU将学生帐户记入学分前30天，也不迟于将学生帐户记入学分后30天发出. 学生可以取消全部或部分贷款，但必须在通知发出之日起14天内通知CMU. 如贷款尚未发放，学生可随时取消贷款.

How do I find out how much I've borrowed so far?
The Federal Student Aid website is the U.S. Department of Education’s central database for federal student loans. The Federal Student Aid website provides borrowers with a centralized, integrated view of their federal student loans. To view your federal loan and grant history please visit the Federal Student Aid website and log in using your FSA ID.

When do I have to pay my loan back?
还款开始于学生毕业后6个月或入学时间低于半学期. 标准还款计划要求学生每月根据本金和利息支付固定金额, 但每月不少于50美元或已累积的利息.

Are there any penalties for early repayment?
There are never early payment penalties for federal student loans.

如果直接贷款不能提供足够的资金来满足我的教育需求, what else is available?
Parents of dependent, 注册至少一半时间的本科生可能有资格获得家长PLUS贷款. The PLUS loan is available without regard to financial need; however, the parents must be US Citizens. The PLUS loan is based on credit-worthiness. Families can apply for the PLUS with a FAFSA on file. The parents are responsible for repaying the loan. 除非另有要求，还款将在贷款全部支付后60天开始. The interest rate is fixed at 6.84 percent.
A parent must:

If a parent is denied a Parent PLUS Loan due to credit reasons, 学生可能有资格获得额外的无补贴直接贷款资金.

有时联邦学生和家长贷款不足以支付所有的教育费用. For this reason, students may consider applying for a private, 可作为支付大学费用的补充资源的替代贷款. Alternative Loans are unlike Direct or PLUS loans, for they require a separate application, a credit check, and may require a co-signer. A variety of privately funded loans are offered. Visit CMU's FastChoice website for more information.

Verification

What is verification?
核实是确认学生和/或家长在FAFSA上报告的信息是准确的过程. 申请将由中央处理系统或学校审核. 被选中进行验证的学生在其信息被财务援助主任验证之前不能获得经济援助.

What do I do if I am chosen for verification?
If your application was selected for verification, 财政援助办公室将要求提供其他文件. 你的经济援助将保持估计，直到所有必要的文件已经提交给财政援助办公室和财政援助主任核实你的信息. The most common required documents for verification are:

所得税文件-学生和家长(如果学生是受抚养人)都需要纳税申报表。. 请注意，收到国税局的税务记录可能需要6-8周的时间.):
1. Online – www.irs.gov
2. Telephone – 800-908-9946
3. By mail – IRS Form 4506T-EZ
验证工作表:在myCMU的“财务援助文件跟踪”下找到
逐项工作表:如果需要，可以在myCMU财务援助文件跟踪中找到. (当家庭调整后的总收入低于FAFSA提供的收入年度的美国贫困指南时需要)

Other documents may also be requested as needed. Students may view their documents needed on their myCMU, under the Financial Aid tab, then View Financial Aid Document Tracking tab.

所有验证材料必须提交给助学金办公室. 助学金不会被添加到学生的帐户，直到收到更新的FAFSA和更正的信息. 学生应及时上交所有文件，以便有足够的时间审查和更新必要的信息, receive the updated FAFSA, and subsequently add aid the student’s account. 助学金将被添加到学生的帐户，直到上课的最后一天, as long as the updated correct FAFSA is available. Note that if changes are necessary to the FAFSA, it can take up to 5 business days to receive an updated FAFSA.

我没有需要核实的纳税申报表，我到哪里去拿复印件?
国税局纳税申报表可通过以下方式索取:(请注意，从国税局收到纳税申报表可能需要6-8周.)

Online – www.irs.gov
Telephone – 800-908-9946
By mail – IRS Form 4506T-EZ

How do I know when my aid is available?

After a student's aid is finalized, 学生将收到一封电子邮件，告知他们需要接受或拒绝他们的援助. 一旦学生的助学金资格被确定，他们就可以在myCMU上查看他们的助学金. The financial aid can be found on the student's myCMU account, under the Student Tab, then click on Financial Aid, then Accept/Decline Aid. Choose the Academic Year, then click on View Financial Aid. Follow the instructions and then hit submit to complete the process. Students do not have to accept all aid offered. Remember: Loans must be repaid. Available on the on the Financial Aid Awards is a link to the student's rights and responsibilities. 请注意:助学金将不会支付，直到学生完成这一步.