Current Students

All students are expected to apply for federal and state grant programs for which they may be eligible. Students are also expected to use the Federal Direct Stafford Loan Program when necessary. Students are expected to file the Free Application for Federal Student Aid (FAFSA) or Renewal FAFSA each year in order to determine financial aid eligibility.

学生必须有未满足的需求，才有资格获得基于需求的援助. The College will determine the student's unmet financial need by deducting the federal expected family contribution from the student's cost of attendance. 基于需求的奖励数量有限，先到先得, 首先为满足学院财政援助截止日期的学生提供服务.

ACPHS’s Federal Title IV Code is 002885
The filing deadline for the FAFSA is February 1 for new students and March 1 for returning students. 鼓励学生以电子方式提交FAFSA或更新FAFSA. Students without Internet access may mail the paper FAFSA form to the federal processor. 联邦处理人员将对家庭收入进行分析, assets, number in household and number of family members attending college using the federal methodology formula.

联邦方法公式是由美国政府批准的.S. 国会每年确定家庭的预期贡献. Students selected for verification or correction must submit copies of student, spouse and parent(s) signed IRS Tax Transcripts and W-2 forms with a federal verification worksheet to the office of financial aid by May 1. Students subsequently selected for verification after May 1 are required to submit these documents within 60 days of written notification from the Office of Financial Aid. The Office of Financial Aid cannot process financial-aid awards for students who do not meet the above deadlines.

The Office of Financial Aid will determine the student’s financial need according to the following formula: Cost of Attendance minus Expected Family Contribution equals Financial Need. 除了提交所需的表格和证明经济需要, the student must continue to maintain satisfactory academic progress to remain eligible for federal, 国家和机构财政援助奖.

A student's enrollment status for determining financial aid eligibility and student loan deferment includes only courses required for degree fulfillment. Courses in which you are enrolled that are not required for your degree program do not qualify for payment or student loan deferment.

Federal regulations require the Office of Financial Aid to monitor the academic progress of students attending 奥尔巴尼药学与健康科学学院.  It is important to note Standards of Academic Progress (SAP) are separate from, and in addition to, the Academic Standing policy and progression requirements established in the Academic Regulations section of the catalog. All students regardless of major, grade level and course load will be evaluated with the same standards for federal and institutional aid eligibility.

Frequency of SAP Evaluations
财政援助办公室将在每年6月审查SAP, after spring semester grades are posted. This standard is stricter than the College's Academic Standing policy for students who are not receiving Title IV Assistance.

Qualitative Standard
所有学生必须在学院有良好的学术成绩. Students enrolled in a Bachelor's of Science degree or the Doctor of Pharmacy degree must maintain a minimum cumulative grade point average (GPA) of 2.0 at the end of each academic year. Beginning in the 2011-2012 academic year, 所有药学博士的学生必须有最低的累积GPA 2.5 to graduate. Students enrolled in a Master's degree program must maintain a minimum cumulative GPA of 3.0 at the end of each academic year.

数量标准(进度)
All students must progress toward degree completion at a defined cumulative rate. Completed coursework is defined as any course for which a student receives a passing grade.

Doctor of Pharmacy Example

Master's Degree Example

Bachelor's Degree Example

Process for Pass/Fail Courses, Incompletes, Withdrawals, Repetitions, and Transfer of Credit 

• Courses with grades of P in a Pass/Fail courses will be counted in the quantitative standard only.
• Course incompletes and withdrawals are counted in the quantitative standard only.
• 重复课程将只计算在数量标准中.
• 转学学分将只以数量标准计算.
• Students who change their major will be placed on the chart for the semester in which they are entering.

Loss of Financial Aid Eligibility
If students fail to maintain SAP, they will lose eligibility until they raise their cumulative GPA to the minimum standard and/or by making up the credit deficiency.

Appeals
情节严重而未能完成SAP课程的学生, such as injury, illness, 亲属死亡或者有其他特殊情况的, which caused a major disruption to their ability to successfully complete their coursework may appeal the loss of that aid to the Director of Financial Aid. Students should submit a letter to the Director of Financial Aid along with documentation to substantiate the unusual or extraordinary circumstance(s) that prohibited the student from making SAP. This must include a comprehensive description of the circumstance(s) and documentation from at least two qualified persons who can verify the information.

In addition, students must explain what has changed with their situation that will allow the student to meet SAP requirements at the next evaluation. In cases of student injury, 学生患病或直系亲属死亡, the Director of Financial Aid may decide to review the appeal before proceeding to the Financial Aid Appeals Committee. The student must submit a letter of appeal and associated documentation to his/her case by June 29. Within 2-4 weeks after the due date, 财政援助上诉委员会将审查上诉, 写一封推荐信并寄一封回复信.

Financial Aid Probation
The status of probation is assigned to a student who is failing to make SAP and who successfully appealed their loss of financial aid eligibility. Students in this status will have their financial aid reinstated for one payment period. At the end of that payment period students will be reevaluated for federal and institutional aid eligibility.

Academic Plan
如果财政援助上诉委员会决定, based on the student's appeal, that it will take more than one payment period for the student to meet progress standards, 将给予留校察看，并制定学习计划. Students in this status will have their progress reviewed at the end of one payment period to determine if the student is meeting the requirements of the academic plan. If the academic plan is being followed, 学生将重新获得联邦学生援助的资格, as long as they continue to meet the requirements set forth in the academic plan. Students may appeal to change their academic plan by explaining what has happened the make the change necessary and how they will continue to meet SAP.

Reestablishing Aid Eligibility
If students fail to maintain SAP, they may regain eligibility by raising their cumulative GPA to the minimum standard and/or by making up the credit deficiency without the benefit of federal or institutional aid.

Maximum Time Frame for Degree Completion
Students must complete their degree within the maximum time frame of 150% of the published length of the academic program. Students enrolled in the Doctor of Pharmacy program must complete their education objective within a period of nine years (6 years x 150%). A student enrolled in any of the Bachelor's degree programs must complete his/her educational objective within a period of six years (4 years x 150%). A student enrolled in a Master's degree program must complete his/her education objective within a period of 150% of the length of their program.

For federal student loan borrowers, federal regulations require that you complete an exit interview when you graduate, withdraw, 或向学院请假.  我们强烈建议您在线完成离职面谈.

• 完成你的斯塔福德贷款退出面试
• 完成你的健康专家和/或珀金斯贷款离职面谈
• 完成你的毕业+离职面谈

The following information will help you manage your student loans and the different aspects of managing your debt. For more information, please visit   http://studentaid.ed.gov/sa/.

Debt Management - Strategies

• 在纸上制定一份预算，包括房租等项目, car payments, utility bills, food, clothing, insurance, entertainment, 以及你可能欠下的其他未偿债务.
• Know your student loan rights and responsibilities as a student loan borrower.
• Pay any interest that accrues on your loans during your deferment or grace period.
• Understand your debt obligations and limit use of other debt vehicles such as; credit cards, lines of credit, or additional loans.     

Repaying Your Loan  

As a student borrower you will not be obligated to pay on a student loan until after your grace period is over.  Most grace periods will be six months, with the exception of the Perkins loan, which has a grace period of nine months and the Health Professional Student loan, which has a grace period of one year.  You have the option as a borrower to pick from one of the following four repayment plans:

• Standard Repayment Plan – Fixed monthly payments and a loan repayment period of 10 years from the date of separation from the school.  
• Extended Repayment Plan -每月固定或分期付款，贷款期限最长为25年.  
• Graduated Repayment Plan – Monthly payments will be lower when you begin payment and then will increase gradually in two year increments.  这笔贷款的还款期为10至30年. 每月最低还款额会因累积利息而有所不同.  
• Income Contingent Repayment Plan – Monthly payment amount will be based on your annual income, family size, and total amount of loans.  随着你收入水平的变化，月供也会随之变化.  如果你的贷款在25年内没有全部偿还, the remaining balance will be forgiven, 但你要为那笔被免除的金额纳税.    
• Income-Based Repayment Plan -每月付款金额为可支配收入的10-15%. 随着你的收入水平和家庭规模的变化，月供也会随之变化. 如果你的贷款在20-25年内没有完全偿还, the remaining balance will be forgiven, 但你要为那笔被免除的金额纳税.

Payment of Interest & Capitalization  

作为一个借钱付学费的学生, you have the benefit of being able to deduct some or all of the accrued interest on your income taxes based on your income level. 

联系税务顾问和/或访问美国国税局教育税收优惠网站www.irs.gov/uac/Tax-Benefits-for-Education:-Information-Center and IRS Information for Students at www.irs.有关税收抵免的详细信息, deductions, 或对高等教育的其他税收优惠.

Please remember that the Subsidized Stafford interest is paid for you while you are in school, 斯塔福德无补贴利息在哪里产生.  If you choose not to pay any interest while you are in deferment or your grace period, then capitalization will occur and your unpaid interest will be added to the principal of your loan.    

Avoiding Delinquency & Default

如果你预见偿还学生贷款有困难, 然后立即联系你的贷款人，讨论你的选择, rights, and responsibilities.  如果你没能在没有联系你的贷款人的情况下偿还贷款, then you may be put in Default.  If your loans are placed in default, 贷款人将与你联系，索要贷款的全部金额和利息, 债务会在你的信用报告上显示为催收, wages could be garnished, eligibility for Federal Aid will be lost, 与联邦援助相关的权利也将失去.  You can check if you are in a Default status or the amounts you have borrowed at www.nslds.ed.gov/nslds_SA/.  要验证你在学院的状态，你可以登录 http://www.studentclearinghouse.org/.

• Deferment -允许你暂时停止支付学生贷款.  已入学的学生至少有一半的时间可以延期, unemployed, or facing economic hardship.   
• Forbearance -如果你不能按时付款, but do not qualify for a deferment, a forbearance allows you to temporarily stop making payments on a student loan, make smaller payments, 或者延长贷款的还款期.  申请延期的常见原因是疾病或经济困难.   

Discharge & Cancellation/Forgiveness

Your loans may be discharged or forgiven in the result of the following examples:

• 如果你是一个全职，低收入的小学或中学教师.
• 你的学校在你完成学业之前就关门了.
• Your school forged your signature on a master promissory note or certified that you were eligible to get the loan when you weren’t eligible.
• You withdrew from school but the school didn’t pay a refund that it owed under its written policy or Federal regulations.  
• 如果你是完全和永久残疾.
• A discharge in a bankruptcy.  
• Death.

Loan Consolidation 

There are many advantages in consolidating your student loans and they are as follows:
Advantages

• Paying one single monthly payment.
• Extending payment term.
• Lower monthly payment.
• Better interest rate.

Disadvantages

• Extending payment term.
• 在贷款期限内还更多的钱.
• 可变利率可能会被锁定.