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Need-Based ?
Merit-Based
と、
Need-Based
の2つがあります。
Wiki→ Student financial aid
Need-Blind? Need-Conscious?
<>
<Middlebury College>
Our
"need-blind" admissions policy ensures that your application to
Middlebury will not be affected by your application for financial aid. In the
case of international students and transfer students, Middlebury follows a
need-blind admissions policy to the extent that financial resources
allow.
<Colgate
University>
Colgate University is
committed to educating the most talented students from around the globe.
Although Colgate does offer financial aid to international students, applicants
should be aware that admission to Colgate is highly competitive for those
students seeking admission with financial aid.
1) Colgate does not
offer merit aid, rather we offer need-based
aid primarily consisting of grant funds and a campus
job.
2) The financial aid package covers demonstrated need for on-campus expenses only, including a reasonable allowance for books and personal expenses.
・・・・
<Gettysburg College>
It is Gettysburg's
policy to meet the full demonstrated financial
need for all
admitted international students. Although financial aid is available for
international students, the process is highly
competitive.
Once
need is determined, academic achievement, scholastic aptitude, and promise of
contribution as a student and citizen are factors used to determine financial
aid awards. We provide aid that could cover up to the total cost of
attendance. Also, please
note that Gettysburg will not pay transportation costs to get to the
USA.
Questions to Ask:
-
Are you "need-blind" in your admission policy? A college that is "need-blind" makes admission decisions without regard for the student’s ability to pay. The "need-blind" college does not review the student’s financial circumstances until after an admission decision is reached. There was a time when most colleges were "need-blind," but this is much less common now. Some colleges, when considering students with equal academic records who are "on the cusp" of acceptance, will give preference to the student who is able to pay. This practice is "need aware" or "need conscious." You should ask what the policy is for each school you are considering.
-
Do you meet 100% of demonstrated need? To be eligible for financial aid a student (parent) completes several forms (see descriptions below) and a determination is made regarding a family’s economic need. Some schools meet 100% of your demonstrated need with an aid package that includes grants (scholarships), student loans and work-study. Other schools do not meet full need. This is called "gapping".
-
What is your "packaging policy"? Most schools give an aid package that includes grant money (scholarships), loans and/or work study. Ask the following questions:
-
In general, what percentage of an aid package from your college is grant vs. self-help (loans, work-study)?
-
How does an aid package change over four years? Some colleges entice freshmen with large grants for the first year and then switch to a much heavier loan burden in sophomore and subsequent years. Some increase in loans over a four-year period is typical, but you want to avoid a "bait and switch" situation.
-
Do you have a "preferential packaging" policy? - - e.g. If two students have equal demonstrated financial need, do they give more grant aid (or a better overall aid package) to the student who has a stronger academic profile? Do you give better aid packages to students entering certain fields of study? Do you give comparable aid offers to applicants under early and regular decision programs?
-
Do you give any type of merit-based aid (scholarships for students with high academic profiles regardless of their family’sfinancial circumstances)? How many do you give? What are the criteria for these awards? How does one apply?
-
What is your policy regarding outside scholarships? Some schools deduct money earned in outside scholarships from yourfinancial aid package. Some schools reduce your loan burden, but other schools reduce your grant money. Obviously, reducing the loan would be more favorable to you!
-
[Calculation]
<Yale
University>
Financial Need = Cost of Attendance - Expected Family Contribution
To calculate financial need, the sum of the parents' and student's contribution is subtracted from the cost of attendance. The difference is the "demonstrated financial need" and is the basis of all financial aid awarded to any Yale student.
Estimated Cost of Attendance | |
---|---|
Tuition* | $36,500 |
Room and Board* | $11,000 |
Travel Expense** | $750 |
Books/Personal Expenses | $3,050 |
Total Estimated Expenses | $51,300 |
Expected Family Contribution | |
Parent Contribution | $10,000 |
Student Income Contribution*** | $1,200 |
Student Asset Contribution | $250 |
Total Family Contribution | $11,450 |
FINANCIAL NEED | $39,850 |
Sample Financial Aid Award | |
Yale Scholarship | $39,850 |
Self-Help | $2,600 |
TOTAL TO MEET NEED | $37,250 |
* The tuition, room and board figures are the
undergraduate rates for 2009–2010.
** The allowance for travel is based on
the student's home address.
*** For 2009–2010, the standard minimum
contribution is $1,200 for freshmen and $2,450 for sophomores, juniors and
seniors.
If you expect to receive scholarships from
outside agencies, benefits from a government agency such as the Veterans
Administration or from your parent(s) employer, these must be reported to
Student Financial Services and they will be included as a resource. Outside
scholarships cannot be used to replace a part of your parent
contribution.
[Memo]
@Alomost all the applicats of international students may be necessary to
submit ISFAA (International Students Financial Aid
Application), which every student calculate their
financial status from the income of the parents, the assets(stoch, cash savings,
automobile, houses), to the annual expenditures detailed in some lists(food,
medical, education, insurance, taxes, health, necessities, loan, mortage
ets.).
ASome schools require you to submit additional documents as their
own forms. Each school instructs you which is to be submitted on their web site.
(ex. Bates College)
BStill, some schools require you to fill in the COF(Certification of Finances) and submit by each
deadline.
CIf you
have any funds or scholarships from Japanese Federal, relatives,
any kinds of organizations, and then your totall financial need is taken
into considerarion by colleges after the amounts of supported money are
subtracted from Financial Aid Award otherwise privided.
DScholarship and Financial Aid is
DIFFERENT(Never treat as the
same)!
Scholarship→Merit-based
Financial Aid→Need-blind or
Need-based and Need-conscious(Need-aware)
EThere are two types of
colleges: One offer FULL
demonstrated financial need if they decided to offer you admission
of the colleges. The others offer only some extent of your need, such as
70~80% of your financial
need if you are admitted.
FFAFSA(Free Application for Federal Student Aid) and CSS(College Scholarship Service) may not
be requirements of international students for applyind financial aid
(Yes! maybe- because they are for US applicants.)
Need Blind, but 'Gapping'
100 Free Tools for Your College Planning & Prep
The shift away from need-blind: colleges have started their
version of "wallet biopsies." - higher education institutions admit students on
economic status criteria
THE COLLEGE ADMISSIONS PROCESS
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