一年级学生

• 的 财政援助办公室 receives numerous requests for information about student loan products from students and families each year. 希望获得学生贷款的学生和家庭应该首先考虑联邦学生贷款. We strongly encourage all students and families to research financing options thoroughly and select a lender of their choice to utilize the option that best fits within their financial situation.

• 为了帮助我们的学生，我们编写了一份 建议出借人名单 基于向借款人提供的优惠条款和条件. 在这一努力中，我们得到了 纽约州学生贷款问责制、透明度和执行法案.
• 为了编制名单, 财政援助办公室完成了信息请求(RFI)流程. 财政援助工作人员编制了一份RFI问卷，让所有感兴趣的贷款人完成. 所有在规定期限内提交的RFI报告都经过财政援助工作人员的彻底审查. 后, the financial aid staff met to discuss the RFI documents and obtain any additional information necessary to answer all questions raised during the review process. 作为这个过程的结果, 财务援助人员确定哪些贷款人符合我们的RFI文件中建立的标准. 列出的贷款机构符合以下要求(排名不分先后):
  • 是否有灵活的客户服务时间来满足学生和家庭的需求
  • 所有类别的学生贷款违约率都很低:在全国范围内，在纽约，对于ACPHS学生
  • 为私人学生贷款提供低利率结构
  • 在私人学生贷款产品中，是否向借款人收取较低的后期和前期费用
  • 为学生和家长提供信贷决策的快速周转
  • 基于信用的学生贷款的批准率高吗
  • 同意允许学生与财政援助办公室的招生管理副总裁一起查看RFI材料, 应学生要求

许多学生将获得助学金, 州和联邦政府的奖学金和贷款, 学院和其他私人机构. 在2018-19学年，100%的新生获得了经济资助.

所有学生都应该申请联邦和州资助计划，他们可能有资格. 学生也可以在必要时使用联邦直接斯塔福德贷款计划. Students are expected to file the 免费申请联邦学生援助(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. 的 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的联邦第四章代码是002885
FAFSA的申请截止日期为新生2月1日，返校学生3月1日. 鼓励学生以电子方式提交FAFSA或更新FAFSA. 不能上网的学生可以将纸质的FAFSA表格邮寄给联邦处理人员. 联邦处理人员将对家庭收入进行分析, 资产, 家庭人数和上大学的家庭成员人数使用联邦方法公式.

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. 被选中进行核实或更正的学生必须提交学生证副本, spouse and parent(s) signed IRS Tax Transcripts (filed this past April) 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 财政援助办公室. 经济援助办公室不能处理未满足上述截止日期的学生的经济援助奖励.

的 财政援助办公室 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, 学生必须继续保持令人满意的学业进步，才有资格获得联邦奖学金, 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 财政援助办公室 to monitor the academic progress of students attending 奥尔巴尼药学与健康科学学院 (ACPHS). 重要的是要注意学术进步标准(SAP)是分开的, 除了, 学术地位政策和发展要求在目录的学术规定部分建立. 所有学生，不分专业, 年级水平和课程负担将按照联邦和机构援助资格的相同标准进行评估.

SAP评估频率
财政援助办公室将在每年6月审查SAP, 春季学期后成绩公布. This standard is stricter than the College's Academic Standing policy for students who are not receiving Title IV Assistance.

定性标准
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 药学博士 degree must maintain a minimum cumulative grade point average (GPA) of 2.在每学年结束的时候. 从2011-2012学年开始, 所有药学博士的学生必须有最低的累积GPA 2.5 .毕业. 注册硕士学位课程的学生必须保持最低累积GPA为3.在每学年结束的时候. 除了, 高等教育法要求所有学生, 在他们第二年结束的时候, have a cumulative GPA of at least a "C" or have an academic standing consistent with their program's graduation requirements.

数量标准(进度)
所有学生必须按照规定的累积速度完成学位. 完成的课程作业和获得的学分被定义为学生获得及格分数的任何课程. 下面的例子指定了学生必须获得成功进步的最低学分数.

药剂学博士

硕士学位

学士学位

及格/不及格课程、未完成、退学、重复和学分转移的流程 

• 在及格/不及格课程中，成绩为P的课程将只计算在数量标准中.
• 未完成课程和退课只在数量标准中计算.
• 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.
• 更改专业的学生将被记录在他们即将进入的学期的表格上.

失去经济援助资格
如果学生未能维护SAP, they will lose eligibility until they raise their cumulative GPA to the minimum standard and/or by making up the credit deficiency.

上诉
情节严重而未能完成SAP课程的学生, 比如受伤, 疾病, 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 金融援助. Students should submit a letter to the Director of 金融援助 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.

除了, students must explain what has changed with their situation that will allow the student to meet SAP requirements at the next evaluation. 如果学生受伤, 学生患病或直系亲属死亡, 经济援助署署长在向经济援助上诉委员会提出上诉前，可决定覆核上诉. 学生必须在6月29日之前提交上诉信和相关文件. 截止日期后2-4周内, 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.

经济援助试用期
的 status of probation is assigned to a student who is failing to make SAP and who successfully appealed their loss of financial aid eligibility. 在此状态下的学生将在一个付款期内恢复其经济援助. 在付款期结束时，学生将重新评估联邦和机构援助资格.

学术计划
如果财政援助上诉委员会决定, 根据学生的申诉, 学生需要一个以上的付款期才能达到进度标准, 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. 是否遵循学术计划, 学生将重新获得联邦学生援助的资格, 只要他们继续满足学术计划中规定的要求. 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.

重建援助资格
如果学生未能维护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.

完成学位的最大时间框架
Students must complete their degree within the maximum time frame of 150% of the published length of the academic program. Students enrolled in the 药学博士 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.