做出正确的决定
To make your education truly pay off, you need to make the right financial decisions. 如果你用联邦学生贷款来支付学费, 你的目标应该是只借你需要的东西. These simple guidelines will help you borrow responsibly and keep your payments low.
- 做预算. Review the total cost of your education – including your living expenses.
- 探索你不需要偿还的资源. 你的雇主提供学费福利吗? 你会搜寻并申请助学金和奖学金吗?
- 考虑用你自己的钱. 你能用存款或投资吗? 你能用你现在的收入支付吗?
付款方式
An education takes dedication and time, as well as some form of financial commitment. Check out the sections below for options on paying for your education. Don’t hesitate to contact a Finance Advisor with any questions you might have.
联邦财政援助计划适用于有兴趣申请联邦助学金的学生, federal loans or both to pay for tuition in an eligible degree or certificate program.
联邦财政援助项目的清单可从 U.S. 教育部 学生资助网站，列于 Types of Aid. 开始联邦财政援助程序, you must complete the Free Application for Federal Student Aid (FAFSA), available at http://www.fafsa.gov. When applying for federal financial aid, you’ll need a school code. 华体会app下载的FAFSA学校代码是 014593.
除了FAFSA, 预计使用联邦财政援助的学生可能还需要填写并提交以下文件:
如果接受学生贷款
- 总本票(MPN)
- 入学咨询
你有责任在付款期开始日期的7天前支付联邦财政援助不包括的学费和课程材料费.
学费延期支付选项适用于将获得军事教育福利的学生或雇主支付部分或全部员工学费的学生, 强制性的费用, 和/或销售税, as applicable. 在学费延期支付选项下, tuition, 强制性的费用, and sales tax, as applicable, will be assessed and invoiced in a single invoice at the beginning of the payment period.
军事教育福利
大学将直接向美国大学收费.S. 美国退伍军人事务部.S. 国防部为学生支付学费, 强制性的费用, and sales tax, as applicable, 并将延迟支付适用课程的学费, 强制性的费用, and sales tax, if applicable, 根据这些机构的报销政策和时间表. 强制性费用和销售税, as applicable, 这些机构预计不会报销的费用在发票开具时全额支付，或在每个适用课程开始前逐步支付.
大学不鼓励或要求使用军事学费援助福利的学生在上课前支付他或她的强制性费用.
雇主学费报销
The University will defer payment of the applicable course’s tuition and sales tax, as applicable, based on when the student will receive reimbursement from their employer. 强制性的费用, 包括课程电子资料费用, and sales tax, as applicable, 学生雇主预计不会报销的费用将在发票开具时全额支付，或在每门适用课程或学期开始前逐步支付.
《hth华体会》是美国的注册商标.S. 退伍军人事务部(VA). More information about education benefits offered by VA is available at the official U.S. 政府网页 benefits.va.gov/gibill.
If a qualified third party is paying your tuition and fees, we can send them the bill. 第三方计费方案下, the University directly bills an approved employer for a student’s tuition.
学生应联系财务顾问，以确定他们的雇主是否被批准直接计费，并协调任何所需的文件, 其中通常包括第三方提供的代金券. 学生应在每个付款期的7天前支付第三方未支付的学费和电子课程材料费.
希望使用电子支票或信用卡支付学费和电子课程资料的学生可以使用现金支付计划. Payment is due in full one week prior to the start of each payment period.
Understand your rights and responsibilities when considering private loan options. Clear and accurate information can help you make informed choices, 所以你只借你所需要的，并且可以合理偿还.
大学鼓励在考虑私人贷款之前耗尽所有联邦和州的财政援助选择. Private loans are made through third-party lenders and other financial institutions, and are subject to a credit review and individual lender terms and conditions. Private loans are not subsidized or guaranteed by the federal government. For more information on the difference between federal and private loans, please visit the 消费者金融保护局.
没有资格获得联邦经济援助的学生和家长都可以申请私人学生贷款, 或者需要超出经济援助资格的援助. 贷款人确定资格, and amounts are limited to the cost of attendance minus other aid, 包括折扣和收到的其他资源.
The University of Phoenix does not endorse a specific lender for private student loans. Therefore, 申请私人学生贷款时, 学生可以选择任何贷款人，只要它承认hth华体会是一个合格的机构. Visit Studentaid.ed.gov 来了解更多的区别 联邦和私人贷款 along with options to consider when it comes to paying for college.
Reducing Cost
来自奖学金和助学金, 以过去的经验和学分转换, 你可以选择降低获得学位的成本. 并不是每个人都有资格享受这些选择. Please contact a Finance Advisor to see if you qualify, and for any questions you might have.
你知道吗?你可以以不到一半的成本获得副学士或学士学位的学分? 这所大学允许你应用相关的知识, 通过工作和生活经验获得大学学分 前期学习评估 (PLA)过程.
解放军学分可适用于该大学本科学位课程的低一级和高一级学分要求, 除非在政策中另有规定，或受州或学生居住地管辖范围的限制.
如有需要，请联络华体会app下载 866.440.4707 或电邮至 plac@acnehealingtips.com. 学生提交证明文件:传真至任何一方 602.643.0364 or 480.643.1542.
运用你过去的经验
你可以完成一些选修课, 跨学科和/或通识教育课程，让你在获得学位的同时节省时间和金钱. 有资格获得PLA学分, you must be an undergraduate student who has already been accepted into University of Phoenix. In addition, 你必须向学校提交成绩单, and you must have remaining general education or elective credits required to earn your degree.
提交申请前, 华体会app下载建议您联系学术顾问，讨论PLA是否对您有益，以及如何将学分应用到您的学位课程中.
Note: PLA credits cannot be applied to associate and bachelor’s degree programs in Education.
解放军信贷成本
There is a one-time submission fee and a fee per credit assessed applied to your program. 一次性提交费用为 $150, 每学分评估的费用是 $75.
PLA fees not eligible will need to be covered by 金融援助. 您可能有资格获得企业折扣或费用减免. Application to the PLA process does not guarantee credits will be applied, 所以请仔细阅读资格证书. 与学术顾问谈谈你的经历是否能获得大学学分, 以及了解更多关于解放军整个过程的信息.
如何获得学分
有两种方法:
- Create a 专业培训作品集. This portfolio will include a description of an institutional or corporate training course, 完工日期, 培训时数和其他重要信息, 例如课程描述.
- Write an 体验式学习论文 在一个认可的话题上. 经验文章必须从批准的主题列表中选择，并在科尔布的经验学习模式中撰写, which shows how knowledge has been gained from concrete experience, reflection, 理论与应用. 回顾体验式学习的论文题目列表和 科尔布的学习模式 为了了解更多.
Do you have previous expertise or extensive knowledge in a specific subject? Upon completion of a national testing exam and receipt of a passing score, you could potentially earn undergraduate credits toward your degree program. 了解更多关于这些项目的信息, 联系招生代表，审查考试选项，看看你是否有资格参加国家考试计划.
大学水平考试计划(CLEP)
本科学生只需象征性地支付一些费用，就可以参加大学水平考试计划(CLEP)。. You can earn college-level credit for knowledge you’ve gained outside the classroom. 在34个可用的CLEP考试中获得满意的分数可以帮助完成本科学位.
Many of our 学校的位置 are authorized testing centers where you can take the 90-minute exam at a computer station.
DSST学分考试计划(以前称为DANTES)
DSSTTM考试计划(以前的DANTES)学分, 提供38个学科领域, allows you to earn college credit for knowledge you’ve gained through on-the-job training, 职业发展或其他生活经历. You can take these tests, along with the CLEP, at many of our 学校的位置.
有关额外的DSST测试资源，您可以:
- 找到所有考试的列表 简单描述一下.
- Take a 实践测试 在大多数dst游戏中.
- Read about DSST如何提供帮助 通过资助指南为军人家庭提供资格.
- Visit our “Why DSST” video.
- Visit the DSST website for a complete list of resources and test preparation materials.
DSST是Prometric Inc .的商标.
卓越大学考试(以前的董事或ACT/PEP)
精益求精的大学考试 让你有机会通过护理课程的考试, business, 教育——以及艺术和科学.
大学先修课程考试
高中毕业生可以运用他们在大学先修课程中获得的知识来获得某些学科领域的大学学分 大学先修课程考试.
Berlitz®语言评估
Berlitz offers a variety of language instruction programs and services. 伯利茨语言评估为90分钟，评估考生在口语方面的语言水平, listening, 阅读和写作.
The Office of Admissions determines the amount of credit awarded, 根据官方评估结果. Credits are applicable to the Communication Arts 通识教育 area.
Contact the 凤凰城，亚利桑那州Berlitz语言中心 for detailed instructions, and to arrange taking the Berlitz Language Evaluations.
Berlitz是Berlitz投资公司在美国和/或其他国家的注册商标.
国防语言能力测试
Active duty military personnel can take standardized language proficiency exams through the 国防语言学院.
PRO TIP: Looking for scholarships, but don’t know where to start? 试试iGrad的奖学金搜索功能. Log in to your student portal and check out the Scholarship section under your Account tab.
军事的学生
大学提供 军事利率 军人和他们的配偶. 其实，华体会app下载军师是深谙此道的 蒙哥马利GI法案, the 后9/11 GI Bill® 还有其他选项，比如 黄丝带计划.
Don’t hesitate to contact a Finance Advisor with any questions you might have.
GI Bill®是美国的注册商标.S. 退伍军人事务部(VA). More information about education benefits offered by VA is available at the official U.S. 政府网站 http://www.benefits.va.gov/gibill.
小贴士:贷款必须连本带利偿还, and it’s important that you plan for this in your future budget. 一般的指导方针是，你未来的标准月供将是每1美元支付10美元,你借了000美元.
金融政策
hth华体会通过既定的贷款政策保护学生，并遵循管理学生贷款要求的联邦法规.
The 学生贷款行为准则 创建和维护统一的学生贷款实践，重点关注学生借款人的最佳利益. 它还管理学校员工之间的关系, 学习机构, 贷方顾问委员会成员和学生贷款组织. 华体会app下载鼓励学生查阅学生贷款行为守则，以了解贷款规定.
通过电子邮件华体会app下载 PLL@acnehealingtips.com 对这份文件有任何疑问.
小贴士:仅仅因为你有资格获得最高贷款额度并不一定意味着你应该全部借走. Remember, the more you borrow, the more you have to repay – so borrow only what you need.