FAFSA, becas y préstamos para pagar la universidad

Segà ºn el College Board, el costo medio anual de la matrà ­cula en un college o universidad pà ºblica pagando tarifa de residente del estado es de $9.970, mientras que para los no residentes asciende a $25.620. En el caso de estudiar en instituciones privadas el precio se dispara a $34.740. Ademà ¡s, el estudiante o su familia debe pagar por alimentacià ³n, alojamiento, transporte y libros. Debido al alto coste que supone cursar estudios universitarios, muchos estudiantes deben complementar los ahorros e ingresos familiares con becas y otras ayudas e incluso con prà ©stamos. Tome nota: Ayuda econà ³mica para pagar estudios universitarios FAFSA es un formulario del gobierno estadounidense que debe completarse antes de solicitar cualquier tipo de ayuda econà ³mica para cursar estudios superiores.A pesar de que los estudiantes indocumentados, los beneficiarios de DACA y los estudiantes internacionales no pueden obtener fondos a travà ©s de FAFSA, el proceso abre las puertas para otras opciones.Los estudiantes indocumentados, internacionales o beneficiarios de DACA sà ­ pueden aplicar a becas segà ºn los reglamentos de cada una.Los prà ©stamos estudiantiles deben ser el à ºltimo recurso, ya que esos fondos deben pagarse con intereses aunque el estudiante no se gradà ºe o no consiga trabajo.  ¿Quà © es FAFSA? La FAFSA (Aplicacià ³n Gratuita para Ayuda Federal a Estudiantes, por sus siglas en inglà ©s), es un formulario que debe completarse antes de solicitar cualquier tipo de ayuda econà ³mica para cursar estudios superiores, ya sean grados asociados, estudios universitarios de licenciatura, maestrà ­a, doctorado o estudios profesionales (derecho, medicina, etc.). El formulario FAFSA sirve para determinar la cantidad de dinero que se espera que cada estudiante o su familia contribuya a su educacià ³n. Basà ¡ndose en los resultados de la FAFSA, el gobierno federal, los colleges y universidades y las instituciones privadas toman sus decisiones sobre cuà ¡les estudiantes reciben ayuda y el monto apropiado. El formulario FAFSA se puede completar en là ­nea, a travà ©s de la aplicacià ³n de celular myStudentAid  o en papel, y toma aproximadamente una hora completarlo. Para ello es necesario tener a mano los documentos de la declaracià ³n de impuestos (tax returns) y estados de cuenta bancarios. Los estudiantes que pagan impuestos y sus padres pueden acceder a sus datos fiscales por medio de la herramienta IRS Data Retrieval Tool. Si no se pagan impuestos, se debe completar manualmente la informacià ³n econà ³mica que se solicita en el formulario de FAFSA. Los estudiantes internacionales y los migrantes con DACA aprobado que tienen nà ºmero del Seguro Social deben completar el formulario FAFSA si desean aplicar para ayuda econà ³mica para estudiar. El documento debe completarse a pesar de que por ley, tanto los estudiantes internacionales como los muchachos con DACA està ¡n excluidos de recibir cualquier tipo de ayuda federal (Pell Grant, SEOG Grant, Stafford Loan, Perkins Loan, PLUS Loan, y Federal Work-Study). Aunque su FAFSA serà ¡ rechazada, completar la aplicacià ³n abre otras posibilidades de ayuda econà ³mica, ya que otras instituciones como universidades y fundaciones toman como referencia los datos de la FAFSA para decidir a cuà ¡les estudiantes brindar becas y prà ©stamos. Preguntas sobre ciudadanà ­a en la FAFSA Ante la pregunta si se es ciudadano (Are you a U.S. citizen?), los migrantes con DACA y estudiantes internacionales deben responder que no (opcià ³n No, I am not a citizen or eligible noncitizen en el cuestionario). Asimismo, los estudiantes que tengan nà ºmero del Seguro Social pero cuyos padres no lo tengan deben responder 000-00-0000  en la casilla en la que se pregunta por el nà ºmero de los progenitores. Bajo ninguna circunstancia se debe escribir un nà ºmero del Seguro Social falso, ya que serà ­a un fraude de ley. Ademà ¡s, si uno o ambos padres no tienen nà ºmero del Seguro Social el documento no se puede firmar digitalmente. El formulario deberà ¡ ser impreso, firmado manualmente y enviado por correo ordinario. La situacià ³n migratoria de los padres no afecta los resultados de la FAFSA. Plazos para aplicar El 30 de junio de cada aà ±o es el dà ­a tope a nivel federal para entregar el formulario FAFSA. Sin embargo, los estados que conceden ayudas suelen establecer plazos que finalizan con anterioridad, y los colleges y universidades establecen sus fechas là ­mites varios meses antes. Tome nota:  ¿Preguntas sobre el formulario FAFSA? Si durante el proceso de completar el formulario FAFSA surgieran dudas sobre cuà ¡l es la respuesta correcta, se puede marcar al telà ©fono 1-800-433-3242 (1800-4-FED-AID). Becas para estudios universitarios en Estados Unidos Las becas reciben el nombre de grants o scholarships en inglà ©s. Generalmente se utilizan las dos palabras como sinà ³nimos, aunque los grants suelen estar basados en necesidad econà ³mica del estudiante y las  scholarships  en sus mà ©ritos acadà ©micos, deportivos, culturales, etc. Todas las becas son dinero gratis, es decir, el estudiante no està ¡ obligado a devolver su importe. Pell Grant El gobierno federal ayuda a los estudiantes universitarios de bajos ingresos mediante la concesià ³n de las becas Pell. La cantidad que recibe cada estudiante se determina en funcià ³n de varios factores, como los ingresos y tamaà ±o de su familia, el costo de la universidad donde estudie y su condicià ³n de estudiante a tiempo parcial o completo. Ademà ¡s, los estudiantes que son hijos de miembros del cuerpo militar que hayan muerto en Irak o Afganistà ¡n, o de policà ­as fallecidos en su trabajo, podrà ­an recibir una cantidad mayor si tenà ­an menos de 24 aà ±os cuando su progenitor fallecià ³ y està ¡n matriculados para estudiar, como mà ­nimo, a tiempo parcial. Para el curso 2019-2020, la cantidad mà ¡xima que cada estudiante puede recibir en concepto de Pell Grant es de $6.195. Ningà ºn estudiante indocumentado puede beneficiarse de esta ayuda. Los muchachos DACA tambià ©n està ¡n excluidos.Tampoco pueden recibirla los estudiantes internacionales con visa F-1. SEOG Grant La Beca Federal Suplemental para Oportunidad en la Educacià ³n (SEOG, por sus siglas en inglà ©s) se concede a los estudiantes con situaciones econà ³micas familiares muy duras. En general, son estudiantes que ya reciben la beca Pell. La cantidad a recibir por curso varà ­a entre $100 y $4.000. Para este tipo de beca los fondos se entregan por orden de solicitud. Una vez que se acaba el dinero disponible para cada institucià ³n educativa ya no hay mà ¡s recursos para los estudiantes por el resto del aà ±o acadà ©mico.  ¿Dà ³nde encontrar otras becas? Las propias universidades, los estados, fundaciones y negocios conceden becas a nivel local o nacional. Los motivos para conceder estas ayudas pueden ser muy variados. Entre ellos, destacan: necesidad econà ³mica, rendimiento acadà ©mico, apoyo a minorà ­as à ©tnicas o sexuales, excelencia en deportes o cultura, và ­ctimas de enfermedades, membresà ­a en grupos religiosos, discapacidad fà ­sica, etc. Tome nota:  ¿Dà ³nde encontrar becas? El primer lugar para buscar becas por mà ©ritos especà ­ficos es la oficina de ayuda econà ³mica de la institucià ³n donde se estudia. Ademà ¡s, destacan las siguientes pà ¡ginas web:Scholarships.comCollegeNet.comFastWebFinAid.comThe College BoardScholarshipMonkey.com La mayorà ­a de las becas està ¡n pensadas para ciudadanos estadounidenses y residentes permanentes legales. Sin embargo, tambià ©n hay ayuda disponible para estudiantes indocumentados, con y sin DACA, asà ­ como para estudiantes internacionales. Los requisitos, el monto y la fecha tope para aplicar son especà ­ficos de cada beca. Se puede aplicar a varias de ellas, excepto en los casos en los que explà ­citamente se prohiba. Prà ©stamos estudiantiles Segà ºn el reloj de cà ¡lculo de deuda estudiantil de FindAid, en EE.UU. se debe mà ¡s de $1.649.965.000.000 por prà ©stamos estudiantiles, es decir, mà ¡s de lo que se adeuda en tarjetas de crà ©dito y dà ©bito conjuntamente. En la actualidad, el pago de los prà ©stamos estudiantiles es un serio problema, por lo que se recomienda aceptar solo la cantidad que realmente se necesita y no el total del monto ofertado. Cabe destacar que los prà ©stamos deben pagarse aà ºn cuando el estudiante no finalice sus estudios o no tenga trabajo. Solo en casos excepcionales se permite el perdà ³n de esta deuda. Como regla general, declararse en bancarrota no elimina la obligacià ³n de pagar este tipo de prà ©stamos. Stafford Loan Los estudiantes universitarios pueden recibir prà ©stamos con y sin subsidio por un mà ¡ximo entre $5.500 to $12.500 por curso acadà ©mico, dependiendo del aà ±o de sus estudios y su estatus familiar de dependiente de sus padres o independiente (soltero o casado). Los estudiantes de maestrà ­a, doctorado y grados profesionales pueden recibir un mà ¡ximo de $20.500 por curso en prà ©stamos subsidiados y solicitar cantidades mayores en prà ©stamos no subsidiados. Este prà ©stamo federal puede ser con subsidio para estudiantes con necesidad econà ³mica, y sin subsidiar para el resto. Para los prà ©stamos otorgados entre el 1 de julio de 2019 y el 30 de junio de 2020, el interà ©s es del 4.53% para estudiantes universitarios y del 6.08% para estudiantes de maestrà ­a, doctorado y grados profesionales. Federal Perkins Loan Por ley federal, estos prà ©stamos populares entre los estudiantes ya no està ¡n disponibles desde junio de 2018. Parent PLUS Loan Los padres biolà ³gicos o adoptivos de un estudiante pueden solicitar este prà ©stamo que tiene un interà ©s fijo del 7.08%. No pueden solicitarlo los abuelos ni los encargados legales del estudiante. Para aprobar este prà ©stamo se verifica el historial crediticio del progenitor que lo solicita. Bancos privados Los bancos y cajas de ahorro pueden aprobar prà ©stamos estudiantiles. Los intereses suelen ser altos y frecuentemente solicitan que, ademà ¡s del estudiante, firme otra persona. El administrador de ayuda financiera de la institucià ³n en la que se estudia debe certificar estos prà ©stamos. Este es un artà ­culo informativo. No es asesorà ­a legal.

Ancient Greece, Rome, And Persian Essay - 2093 Words

Culture Comparison The civilizations that I decided to elaborate on are Greece, Rome, and Persian. The purpose of this essay is to compare and contrast the similarities and differences of these civilizations. These civilizations will be analyzed in the area of their cultural, social, political, economic, diplomatic and military collating. Greece, Rome, and Persian are very distinctive and fascinating civilization. From the information I have learned through the semester will help me sharply juxtapose the cultures. Western civilization was the birthplace of Ancient Greek Culture (Athens University 2010). Many magnificent achievements in areas of government, science, philosophy and the arts that still influence our lives produce Ancient Greece (Athens University 2010). Continuing most notably into Classical Greece, through the influence of the Roman Empire and its successor the culture of Greece has evolved over thousands of years, beginning in Mycenaean Greece (World Book Advance 2012). The Persian also left an influence on the Greek culture as well. The Roman Civilization came into the picture around the 6th century BC. Romans conquered and over one of the biggest chunks of land in the era. According to Rome Wikipedia the period of the ancient Roman civilization, the post-Roman Republic was characterized by government and headed by emperors and large territorial holdings around the Mediterranean Sea in Europe, Africa and Asia. However, Saugat Adhikari stated in hisShow MoreRelatedThe War Of The Persian Wars Essay1421 Words   |  6 Pagesbecoming what it is today. The Persian Wars were one of those unforgettable events that inspired not only our military structure but government as well. 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“Same-Sex Marriage Should Not Be Legalized” Free Essays

PONTICIFICA UNIVERSIDAD CATOLICA MDRE Y MAESTRA. RECINTO SANTO TOMAS DE AQUINO. Academic Writing ILE-322 Student Name: Leslie Herrera. We will write a custom essay sample on â€Å"Same-Sex Marriage Should Not Be Legalized† or any similar topic only for you Order Now ID Number: 2009-5699 Teacher: Emilia Gracia Final Draft: Essay 3. â€Å"Same-Sex Marriage Should Not Be Legalized†. July 18th 2012. Same-Sex Marriage Should Not Be Legalized. As we know, same-sex marriage has been discussed and argued for a long time. Within the controversial topic of gay rights, there’s no area more controversial than same-sex marriage. And all of us ask ourselves if same-sex marriage should be legal or not. But the fact is that we have to start thinking about it as a moral and religious topic. The government shouldn’t legalize the same-sex marriage because the legal definition of marriage is the civil union between a man and a woman, marriage is a religious rite, and also those couples will be able to adopt children if they are given the right to marry. Same-sex marriage is also known as gay marriage. Same-sex marriage is between two people of the same gender. The Netherlands became the first country to legalize same-sex marriage in 2001; in the United States of America, the first state to legalize same-sex marriage was Massachusetts, on May 17, 2004. According to ProCon. rg (2011), as of May 10, 2012, same-sex marriage has been legalized in eight states such as: Massachusetts, Connecticut, Lowa, Vermont, New Hampshire, New York, Washington, Maryland, and the District of Columbia which will be effective on January 1, 2013. This has become an even more controversial topic since these current legalizations of same-sex marriage. One argument against same-sex marriage i s that the legal definition of marriage is the civil union between a man and a woman. â€Å"The institution of marriage has traditionally been defined as between a man and a woman† (ProCon. rg, 2011, Con Gay Marriage,  ¶1). Further, if any government gives the right to marry same-sex couples this traditional institution of marriage will weaken. â€Å"Marriage runs contrary to two of the primary goals of the lesbian and gay movement: the affirmation of gay identity and culture and the validation of many forms of relationships† (ProCon. org, 2011, Con Gay Marriage,  ¶8). Therefore, same-sex marriage is totally the opposite of the traditional institution of marriage; those are two things that cannot have the same rights, and actually God made us to be heterosexual no homosexual. In addition, marriage is a religious rite. â€Å"Gay marriage is not compatible with the beliefs, sacred texts, and traditions of many religious groups† (ProCon. org, 2011, Con Gay Marriage,  ¶4). In fact, we know that most of the religions are opposing same-sex marriage, because they are always guided by the Bible and God’s commandments and his teachings. â€Å"Marriage was established by the Creator with its own nature, essential properties and purpose. No ideology can erase from the human spirit the certainty that marriage exists solely between a man and a woman† (ProCon. org, 2011, Con Gay Marriage,  ¶12). If same-sex is legalized, churches and other religious institutions would be forced to change their rules in order to marry same-sex marriage couples. Furthermore, one of the biggest problems for society and probably the most important for new generations is that same-sex marriage would be that those couples will be able to adopt children if they are given the right to marry. â€Å"The institution of marriage as a union of man and woman, uniquely involving the procreation and rearing of children within a family, is as old as the book of Genesis† (ProCon. org, 2011, Con Gay Marriage,  ¶1). Children need both a mother and a father, because they learn a lot from each of them. â€Å"Girls who are raised apart from their fathers are reportedly at higher risk for early sexual activity and teenage pregnancy. Children without a mother are deprived of the emotional security and unique advice that mothers provide† (ProCon. org, 2011, Con Gay Marriage,  ¶6). Besides, same-sex marriage will intensify to the assimilation of homosexuals into a heterosexual culture. And probably that one of the facts that can affects the society the most, because if that happened our moral and religious values would be lost. The supporters and people who are for the same-sex marriage argue that they should have the right to civil marriage because of same marriage benefits, such as: health insurance and public acceptance which heterosexual couples have. Nevertheless, that argument of the supporters is irrelevant, because each person can have his or her own health insurance that provides their workplace, so they don’t need a family or spouse health insurance to have the same benefits as traditional marriage. On other hand, if the government were to legalize same-sex marriage the public acceptance is not guaranteed. Because people are that decided in what they are going to believe, maybe some people will accept this and a larger group of people disagrees. Therefore, the government don’t have to legalized the same-sex marriage in order to people accept homosexual family or marriage or to receive health insurance. Hence, no government should legalize same-sex marriage for all the facts that this action may involve, for example, those couples will be able to adopt children and also because of moral and religious values. Accordingly about what we have read, the legalization of same-sex marriage is an unmoral and unreligious action. I think that promoting homosexuality with government-backed same-sex marriage it would hurt our children, the generations that are growing, the country, and also the entire world. If a homosexual man or woman wants to get married, the only thing they need to do is choose not to be homosexual and marry someone of the opposite sex. Reference Pro. Con. org. (2011, January 9). Should gay marriage be legal?. Gay Marriage. Retrieved from http://www. gaymariage. procon. org How to cite â€Å"Same-Sex Marriage Should Not Be Legalized†, Essay examples