Please enable it to continue. About Macalester Toggle Accordion. Why Macalester? Life at Mac Toggle Accordion. Support Mac. Frequently Visited: Why Macalester? Aid in Authorized, Pending, or Memo Status. Authorized: If financial aid is in authorized status, it means that this financial aid is ready to be applied to your account but the disbursement date has not yet been reached.
This status most commonly applies when Federal or state regulations prohibit delivery more than ten days before the beginning of the semester. Pending or Memo: Financial aid in pending or memo status means that this type of financial aid is available but has not yet arrived for example, scholarships from non-Macalester agencies or there is something missing from your financial aid file. Thereafter, refund processing times are determined by a student's refund preference in BankMobile.
Loans I'm not eligible for a Federal Direct loan. What are my options? Many banks and other private lenders offer educational loans to help you pay for your education. Interest rates may not be as low as the federal programs can offer, but some lenders are able to offer attractive loan options. For additional loan options, visit our Loans page. What is the difference between subsidized and unsubsidized Federal Direct Loans? Federal Direct Subsidized Federal Loans are offered to undergraduate students based on financial need, and the government pays the interest to the lender while you are in school at least half-time, as well as during any deferment periods.
Federal Unsubsidized Loans , on the other hand, are not based on need, and borrowers are responsible for all interest accrued on the loan. Interest payments can be deferred until graduation and then will be capitalized and added to the principal of the loan. You also can make payments on the interest while in school by contacting your loan servicer.
Federal Direct Unsubsidized Loans are offered to graduate, professional and undergraduate students. How will I receive my loan? Your funds will be received electronically and will be applied to your myUH student account balance. Any remaining funds will be credited and distributed to you by BankMobile.
I have accepted my Federal Direct Loan. Why has it not disbursed? What are the consequences of default? You may be subject to court action requiring total repayment of your loan. Your credit rating can be severely damaged, making it difficult to borrow money for a car or home, or to receive credit cards.
The default status can remain on your credit report for several years after you pay the loan in full. Your federal Treasury payments including federal tax refunds and state income tax refunds may be withheld. Up to 15 percent of your disposable income can be garnished administrative wage garnishment without a court order. You won't be eligible to receive any more federal financial aid and possibly state aid unless you make acceptable arrangements to repay what you already owe.
You may be ineligible for assistance under most federal benefit programs. You'll be ineligible for deferments or forbearance. You'll be liable for the costs associated with collecting your loan up to 24 percent of your principal and interest balance, plus court costs and attorney fees. You may not be able to renew a professional license you hold or may jeopardize your chances for certain types of employment. Your loan may be assigned to a professional collection agency.
What is an incentive repayment plan? Certain loan servicers may offer an incentive plan for borrowers who make timely payments i. Check with your loan servicer for available options. Scholarships How do I apply for a scholarship at the University of Houston?
For most UH-funded scholarships, your application for admission serves as your scholarship application as well. Additional outside scholarships for admitted UH students maybe found via Scholarship Universe, an application located within your accessUH login. Look for the green icon! Full detailed instructions can be found on the Private Scholarship Processing Guide.
Student Rights and Responsibilities What are my student rights and responsibilities? As a student consumer you have the right to: know what financial assistance is available, including information on all federal, state, and institutional financial assistance programs; know the deadlines for submitting applications for financial aid; know how your financial need is determined. This process includes how costs for tuition and fees, room and board, travel, books and supplies, and personal expenses are decided in developing cost of attendance budgets; know what resources such as parental contribution, other financial assistance, student assets, etc.
If the aid is a loan, you have the right to know what the interest rate is, the total amount that must be repaid, the payback procedures, the length of time you have to repay the loan, and when repayment is to begin; know how the OSFA determines whether you are making satisfactory academic progress, and what happens if you are not; and you have a right to privacy.
All records submitted with your application for financial aid are confidential, and subject to legal requirements concerning disclosure of such information. You may experience delays in receiving a decision about financial aid if forms are submitted after the priority filing deadlines or are filled out incompletely or incorrectly. Falsification of information on application forms for federal financial assistance is considered a criminal offense, and you may be subject to penalties under the U.
Criminal Code; respond quickly to all requests for additional documentation related to verification or corrections; notify the OSFA if there is a change in any of the information reported on the FAFSA; read and understand all forms, both paper and electronic, that you are asked to submit or sign, and keep copies of these forms. If a student who begins attendance fails to earn a passing grade in at least one course during the semester, the institution must assume that the student has unofficially withdrawn, unless the institution can document that the student completed the period.
In the absence of evidence of a last day of attendance at an academically related activity, the school must consider a student who failed to earn a passing grade to be an unofficial withdrawal and subject to returning percent of financial aid received for the semester. How will Financial Aid obtain the information to complete an unofficial withdrawal for me? The Office Scholarships and Financial Aid will email your professors a proof of course completion request on the business day following the grade deadline for the term.
They will be asked to provide the last date of attendance via an email reply. All emailed responses from professors must be received within 10 days of email receipt. How much will be returned to the Department of Education? A date of withdrawal will be determined according to the last date of attendance the professor has provided.
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Pending or Memo: Financial aid in pending or memo status means that. If you have been awarded financial assistance or applied for any loans that we have processed, pending financial aid refers to the amount of aid that we. Pending/Anticipated aid is meant to bridge the gap between the payment due date and the disbursement date. What is Pending/Anticipated Aid? What is Pending/.