Sources of Financial Aid and Scholarships
These are federal entitlement grants ranging from $692 to $6,206 annually for the 2022-2023 grants aid year. 资格由美国教育部根据国家公式确定. Actual awards vary according to the cost of attendance, the student's enrollment status (full, three-quarters, half, or less-than-half time), and a family's expected contribution.
These federal grants are awarded directly by the Office of Student Financial Aid on the basis of financial need as determined from the Free Application for Federal Student Aid (FAFSA). 根据资金和学生的需要，奖学金每年从100美元到500美元不等. 优先资助有资格获得联邦佩尔助学金的学生.
Federal Direct PLUS Loans allow parents of dependent undergraduate students to borrow up to the full cost of college less other student aid. There is no need requirement for the PLUS loan, but parents must pass a credit review in order to qualify for the loan. Repayment may be deferred for up to six months after the student is no longer enrolled at least half time. However, 贷款确实会产生利息，并在还款开始前资本化为贷款本金.
Effective July 1, 2022 the interest rate on these loans is fixed at 7.54 percent.
Eligibility for subsidized Federal Direct Loans is based upon financial need as determined by the Office of Student Financial Aid, using information from the FAFSA. 助学金贷款在学生入学期间免息. Students have a six-month grace period after leaving school or dropping below half-time status before repayment begins, but interest will accrue during this period. Unsubsidized Federal Direct Loans, which do not require financial need, have an interest charge during both the in-school and grace periods. Subsidized loans are limited to undergraduate students.
Effective July 1, 2022, 本科生资助贷款和无资助贷款的固定利率均为4%.99 percent. 截至2022年7月1日，研究生的无补贴贷款利率为6%.54 percent.
Effective October 1, 2020 both subsidized and unsubsidized loans for both undergraduate and graduate students also carry a 1.057 percent origination fee.
Annual Loan Limits
- $5,500 for freshmen, but only $3,500 can be subsidized
- $6,500 for sophomores, but only $4,500 can be subsidized
- 高年级本科生为7500美元，但只有5500美元可以获得补贴
- $20,500 for graduate students
Undergraduate students determined to be independent by their responses on the FAFSA may apply for an additional unsubsidized loan of up to $4,000 in the freshman and sophomore years and $5,000 in the junior and senior years..
Aggregate Loan Limits
- 本科受抚养学生可获资助31,000美元，但不超过23,000美元
- 本科独立学生奖学金为57,500美元，但不超过23,000美元
- $138,500 for graduate students
This is a part-time employment program based upon financial need. 勤工俭学奖是以工作时间为基础，每两周按小时计酬. 资格由学生经济援助办公室确定，使用来自FAFSA的信息. 职业发展中心帮助勤工俭学学生在校内或校外找到工作. While work-study students receive priority for job placement, the College cannot guarantee placement in a position.
Guidelines for applying for state scholarship/grant programs vary, so students should inquire at the appropriate agency in their state of legal residence regarding application procedures.
This program provides scholarships of $2,500给有特殊经济需要和学术前途的高年级学生. These need-based renewable awards require continuous fulltime enrollment and a cumulative GPA of at least 2.5. Eligibility is determined by the Office of Student Financial Aid, using information from your academic record and the FAFSA.
These need-based grants are available to both new and continuing undergraduate students enrolled at least half time. 助学金的范围从200美元到10,000美元不等，这取决于学生的需要和出勤费用. Interested applicants are required to file the FAFSA as early as possible after October 1st and before the published deadline. Funding is limited.
esball官方网通过颁发奖学金来表彰优秀的学术成就. 学院的学生有几个择优奖学金项目. These programs fall into four general categories:
- Presidential Scholarships
- Honors Scholarships
- Special Talent Awards
- Alumni Scholarships
Presidential Scholarships
这些以成绩为基础的奖学金颁发给入学的新生，最长可达八个标准学期. 奖学金将根据入学申请颁发给国际扶轮居民, but awards are considered as part of the financial aid package and may be offset by federal and other merit-based scholarship aid. The minimum academic requirements needed to be considered for a Presidential Scholarship as an entering freshman are a cumulative GPA of at least 3.5/4.0; and a complete application for admission received by December 15th. 连续入学，每学期至少修15个学分，累计GPA不低于3分.在每个春季学期结束后，需要0美元才能续签奖学金. Note that other programming participation requirements exist.
Honors Scholarships
Entering freshmen who demonstrate outstanding academic achievement are invited to join the College Honors Program. 荣誉学生可以申请总统奖学金计划的奖学金, 学院荣誉奖学金计划和esball官方网基金会. 这些奖学金是在竞争的基础上颁发给学术水平最高的学生. Awards typically range between $500 and $1,500 per year. Honors scholarships are renewable for up to four years, as long as a student maintains a B average and full-time status. If you are interested in the College Honors Program, remember to indicate this interest on your admissions application form.
Special Talent Awards
Special Talent Awards were established to recognize and encourage students who have exceptional talent or skill in the visual and performing arts, areas of intercollegiate competition (other than athletics), or similar fields. Currently, the College offers Special Talent Awards in the following areas: art, communications, dance, film studies, music, and theatre. While the requirements for these awards vary by department, award competition is open to entering freshmen and transfer students. Awards range from $100 to $2,500. 申请人应联系学术部门或俱乐部顾问在他们感兴趣的领域.
Alumni Scholarships
esball官方网校友会提供一些奖学金, both merit- and need-based, to new and advanced students. In addition, 该协会每年为学院校友的子女和孙辈提供几项奖学金. 校友奖学金申请可直接从校友办公室获得. See if you might qualify:
Academic Program Scholarships
Students intending to major in a specific major should contact the academic department associated with it to inquire about potential scholarship opportunities. 对于有兴趣出国留学的学生，也可以获得奖学金资助.
Individuals, organizations, 和捐赠基金通过esball官方网基金会为学院提供资金. 这些奖助金的资格标准根据每位捐献人的意愿而有所不同. In some cases, financial need is a requirement and award recipients are selected from the pool of financial aid applicants at the College. 在其他情况下，奖学金直接由学院的学术部门颁发.
这所大学为某些失业者提供州内学费减免, senior citizens and disabled veterans. Waiver programs are administered by the Bursar’s Office. 有关申请资格、课程限制及申请程序的详情:
If you served on Active Duty, 你可能有资格获得退伍军人事务部提供的教育福利. For example, the Post-9/11 GI Bill provides financial support for educational and housing expenses to individuals with at least 90 days of aggregate service after September 10, 2001, 或者在30天后因工作致残而离职的人. 你必须获得光荣退伍才有资格享受《贝博esball官方网站》.
If you are currently serving in the military, 你可能有资格获得国防部学费援助计划提供的资金. Check your eligibility status and the amount for which you qualify with your Service prior to enrolling.
If you are the spouse or child of a service member who is serving on active duty Title 10 orders in the paygrades of E1-E5, O1-O2, or W1-W2, 你可能有资格获得国防部的教育财政援助, training, 和/或便携式职业所需的职业执照和证书.
If you are the spouse or child of a service member, 你可能有资格获得9/11后退伍军人法案的福利.
其他经济援助来源包括雇主、工会和社区组织. Information on private scholarship programs may be obtained from high school guidance counselors and through reference publications in many local libraries. 奖学金搜索数据库程序也可以在互联网上免费使用. FinAid provides general information on college financial aid.
学院鼓励学生主动申请校外经济资助. Whenever possible, outside assistance will be first used to reduce the loan and/or student employment components of the College financial aid package if adjustment is necessary.
- Students with financial aid that exceeds direct charges (i.e. tuition, fees, room and board) may be eligible to receive a line of credit towards purchases in the Rhode Island College Bookstore.
- 申请必须使用学生自助服务部分在线提交 MyRIC.
The Financial Aid Office at Rhode Island College strongly recommends taking advantage of the federal loans awarded to you by our office before considering any of these private loan options. Here is a summary of information on the advantages of federal loans.
If you have not done so already please file the FAFSA to see what federal aid you are eligible for. If you decide you need to apply for a private loan you need to do so through the individual lender of your choice. We recommend undergraduate students apply with a cosigner as this will likely result in a better interest rate. Once you have been approved and you have completed all of the required paperwork the lender will contact Rhode Island College for certification.
In partnership with Rhode Island College, ELMSelect 提供贷款人的名单，根据他们的历史贷款与我们的学生. Students and their parents/guardians have the right and ability to select the education loan provider of their choice, and are not required to use any of the lenders listed.
如果您希望使用不在此列表中的其他贷方，您有权这样做. Please note that information on this site may not be updated or timely. Be sure to read carefully final loan agreements and promissory notes to understand their payment terms and other obligations.
