金融援助 & 成本

为什么会发生变化??

“FAFSA®简化法案:12月11日. 2020年11月27日，国会通过了《全球网络赌博平台》. The law includes provisions that amend the Fostering Undergraduate Talent by Unlocking 资源 for Education (FUTURE) Act and includes the FAFSA简化 Act—a sweeping redesign of the processes and systems used to award federal student aid. 具体地说, the law makes it easier for students and families to complete and submit the Free Application for Federal Student 援助 (FAFSA®) form and expands access to federal student aid.”

新术语

This year the 2024-2025 FAFSA will be available by the end of December 2023. 表格本身将更短，并有新的术语.

学生资助指数(SAI)

The 学生资助指数(SAI) will replace the Expected Family Contribution (EFC) on the FAFSA form. Students and families will see a different measure of their ability to pay for college and experience a change in the methodology used to determine aid.

FAFSA贡献者

以前被列为父母或学生配偶, 2024-25年FAFSA将把每个人都称为贡献者.  A contributor is anyone who is asked to provide information on an applicant’s FAFSA including:

• 学生
• 学生的配偶(如适用)
• A biological or adoptive parent; or
• 在fafsa上的再婚父母的配偶-继父母

How the student answers each section of the FAFSA will determine who will be a contributor (in addition to the student). 学生将需要投稿人的名字, 出生日期, 社会安全号码(SSN), and email address to invite them to complete the required portion of the FAFSA. Contributors will need to provide personal and financial information on their section of the FAFSA.

All contributors are required to have an FSA ID and to provide 同意 to have their Federal Tax Information (FTI) transferred from the IRS, have their tax data used to determine a student’s eligibility for federal student aid, 并允许美国.S. Department of Education (ED) to share their tax information with institutions and state higher education agencies for the administration of Title IV aid. Consent is provided once for the award year and cannot be revoked in that award year. This 同意 is necessary even if the contributor does not have an SSN, 没有报税, 或者在另一个国家报税.

如果受供养学生的父母未婚同居, 父母双方都是贡献者, 会否有单独的金融服务管理局编号, 并且需要提供同意. 受抚养的学生，其父母提交了美国移民申请表.S. 所得税申报表
as Married Filing Jointly only require one parent contributor to complete the FAFSA. 如果学生的父母单独提交, both parents will be considered contributors and therefore need separate FSA IDs, 两者都必须提供
同意.

如果独立学生结婚并单独提交, 两个人都是贡献者, 必须有FSA id, and must provide 同意 for the student to be eligible for Title IV aid.

从2024-25年开始

Effective the 2024-25 award year the parent with whom the student lived the most in the past 12 months prior to filing the FAFSA, 不再是离婚或父母分居的标准吗. 适用于离异或分居的父母, income and assets are reported for the parent who provides the most financial support even if the student does not live with that parent or lives with the other parent.

FAFSA上的父母收入

• 共同生活的父母: Parental income and assets in the case of student whose parents are married and not 分离, 或是未婚同居的人, 应包括父母双方的收入和资产.
• 离婚或分居的父母: Parental income and assets for a student whose parents are divorced or 分离, 但没有再婚, is determined by including only the income and assets of the parent who provides the greater portion of the student’s financial support.
• 父母一方死亡: Parental income and assets in the case of the death of any parent is determined as follows: (A) If either of the parents has died, 尚存的一方应视为单亲, 直到父母再婚. (B) If both parents have died, the student shall not report any parental income or assets.
• 再婚父母: If a parent whose income and assets are taken into account under paragraph (2), or if a parent who is a widow or widower and whose income is taken into account under paragraph (3), 已经再婚, the income of that parent’s spouse shall be included in determining the parent’s assessment of adjusted available income if the student’s parent and the stepparent are married as of the date of application for the award year concerned.
• 未离婚或分居的单亲父母: Parental income and assets in the case of a student whose parent is not described in paragraph (1) and is a single parent who is not divorced, 分离, 或再婚, 应包括该单亲家庭的收入和资产.”

家庭农场和小企业

• 包括家庭农场或小企业:必要时, 家庭现在将报告其农场或企业的价值. 虽然国会还在继续讨论这个问题, it will be required to be reported for appropriate families on the 2024-25 FAFSA and can influence the SAI.

简化FAFSA申请

You’ll notice fewer questions when completing the 2024-2025 FAFSA and an easier way to transfer tax information directly from the IRS.

The FAFSA简化 Act specifies which questions can be asked on the FAFSA and prohibits the U.S. Department of Education (ED) from asking FAFSA questions that are unnecessary for Title IV federal student aid.

IRS数据检索工具(DRT)被替换

IRS DRT将被直接数据交换(DDX)所取代。.

• 每一个人 (学生, 配偶(如适用), and parents) will need to 同意 to have their Federal Tax Information (FTI) imported into the FTI module.
• 提供同意, the individual will need to access the FAFSA with an FSA ID that has been matched with the Social Security Administration (SSA).
• Federal tax filers will have their tax information imported into the FTI module. 没有税收收入将转移到FAFSA, 但税务数据将被发送到FAFSA上列出的大学.
• 非纳税申报人也必须打勾表示同意. 当IRS数据被访问时，该过程将验证非归档状态.

对学生、家庭和借款人的好处

The FAFSA简化 Act will expand the Federal Pell Grant to more students and link eligibility to family size and the federal poverty level. New eligibility formulas and funding are estimated to increase Pell Grant recipients by nearly 15%. 被监禁的学生将重新获得佩尔助学金, and Pell Grant lifetime eligibility will be restored to students whose school closed while they were enrolled, 或者有虚假证明的, 身份盗窃, 或者借款人防卫贷款清偿.

Accessibility to the FAFSA has been expanded to the top 11 languages spoken by English learners in the U.S.- Spanish, Chinese, Tagalog, Vietnamese, French, Arabic, Korean, Russian, German, Haitian, and Hindi.

佩尔助学金资格

佩尔助学金资格将分三步确定:

1. 最高佩尔助学金 – Applicants may qualify for a 最高佩尔助学金 基于家庭规模, 调整后总收入(美国国际集团), 贫困指导方针. Students qualifying for a 最高佩尔助学金 will have a SAI between negative $1,500 (-$,1500美元)和0美元.
2. 学生资助指数(SAI) – Applicants who do not qualify for a 最高佩尔助学金 may still qualify if their calculated SAI is less than the maximum Pell Grant award for the award year. The applicant’s Pell Grant award for full-time enrollment will be equal to the maximum Pell Grant for the award year minus SAI. The Pell Grant will be adjusted (prorated) if an applicant enrolls in less than full time, or if the applicant’s 成本 of Attendance (COA) is less than the calculated Pell Grant award.
3. 最低助学金 – Applicants whose SAI is greater than the maximum Pell Grant award for the award year may still qualify for a Pell Grant, 基于家庭规模, 美国国际集团, 贫困指导方针.

自动佩尔助学金根据收入，家庭和规模: Families making less than 175% and single parents making less than 225% of the federal poverty level will see their students receive a maximum Federal Pell Grant award. 最低助学金s will be guaranteed to students from households below 275%, 325%, 350%, 或者是联邦贫困线的400%, 取决于家庭结构. Pell awards between the maximum and minimum amounts will be determined by SAI.

一旦年度联邦佩尔助学金确定, half of the award will be offered in each semester of the award year and will be prorated by Enrollment Intensity instead of Enrollment Levels as shown below.

全年助学金

以前, a Pell Grant-eligible student must have been enrolled at least half-time in a payment period during which they received more than 100% of their scheduled award. Beginning with the 2024-2025 award year, half-time enrollment is no longer required.

不寻常的情况下

特殊情况学生的定义为:

A student for whom a financial aid administrator makes a documented determination of independence by reason of unusual circumstances which prevent the student from contacting parents. 这些情况包括:

• human trafficking, as described in the Trafficking Victims Protection Act of 2000 (22 U.S.C. 7101等序列.)
• legally granted refugee or asylum status and are separate from their parents, 或者他们的父母在国外流离失所
• 被父母遗弃或疏远而未被收养的
• 虐待或威胁环境或
• Student or parental incarceration and contact with parents would pose a risk to the student.

Other students will continue to qualify as independent on their FAFSA form and not required to provide parental information if they:

• 都是现役军人
• 是美国的老兵吗.S. 武装部队
• Were an orphan, ward of the court or in foster care at the age of 13 or older
• Are or were a legally emancipated minor or in a legal guardianship as determined by a court in the student’s state of legal residence or
• Are a student unaccompanied and either homeless or self-supporting and at risk of being homeless

从2024-25年度开始, both first-time and renewal applicants who indicate on their FAFSA form that they have an unusual circumstance will be granted provisional independent status. They will be able to complete the form without providing parental information and receive an estimate of their federal student aid eligibility, which will be subject to a final determination by the institution they attend. 如果学生所在机构同意他们的特殊情况, their independent status will carry over when they renew their FAFSA form in future award years, and they will be considered independent for as long as they remain at the same institution and their circumstances remain unchanged.