Transfer or Adult Students

 请在此下载有关资料的有用pdf格式: Transfer Iowa Resident or Transfer Out of State Resident

IOWA RESIDENT
竞技宝app下载安装全额奖学金(more information here)
Iowa resident, full-time student, Pell Grant and Iowa Tuition Grant eligible, 2.5个累积GPA，在7月1日前被录取并提交FAFSA

Phi Theta Kappa: $17,000
Awarded to all Phi Theta Kappa National Honor Society members transferring from a community college

OR

ACADEMIC SCHOLARSHIPS
Based on GPA
Awards:
3.5-4.00 GPA $15,500 
3.0-3.49 GPA $14,500
2.5-2.99 GPA $13,500 
2.0-2.49 GPA $11,500 

Fr. Welch Alumni Scholarships: $1,000 on campus/$500 off campus per year
Parent is a St. Ambrose graduate

Dual Admission Scholarship: $1,000
Participant in SAU/community college dual admission program

Minority Scholarship: $500 per year
Ethnically diverse student

Athletic Scholarships: varies
Performance and ability

Fine Arts Scholarships: varies
在音乐、美术和戏剧方面的表现和能力

学生领袖奖学金:每年2000美元 (more information here)
Involvement in select student clubs and organizations, additional application required by Dec. 31 2022. Cannot be combined with athletics or fine arts scholarships.

诚信学习正义奖学金:每年$2,000 (more information here)
Involvement in campus ministry, additional application required. Cannot be combined with athletics or fine arts scholarships.

OUT OF STATE RESIDENT

PHI THETA KAPPA: $17,000
Awarded to all Phi Theta Kappa National Honor Society members transferring from a community college

OR

ACADEMIC SCHOLARSHIPS
Criteria: based on GPA
Awards:
3.5-4.00 GPA $16,500 
3.0-3.49 GPA $15,500
2.5-2.99 GPA $14,500 
2.0-2.49 GPA $11,500 

Fr. Welch Alumni Scholarships: $1,000 on campus/$500 off campus per year
Parent is a St. Ambrose graduate

Dual Admission Scholarship: $1,000
Participant in SAU/community college dual admission program

Minority Scholarship: $500 per year
Ethnically diverse student

Athletic Scholarships: varies
Performance and ability

Fine Arts Scholarships: varies
在音乐、美术和戏剧方面的表现和能力

学生领袖奖学金:每年2000美元 (more information here)
Involvement in select student clubs and organizations, additional application required by Dec. 31, 2022. Cannot be combined with athletics or fine arts scholarships.

诚信学习正义奖学金:每年$2,000 (more information here)
Involvement in campus ministry, additional application required. Cannot be combined with athletics or fine arts scholarships.

黑鹰奖学金:每年最高20,000美元
For students transferring directly, full-time enrollment for in-person programs. 奖学金可在本科课程中续期. Apply today or contact Becky Stremlow for more information.

竞技宝app下载安装全额奖学金
Pell-eligible Iowa residents, learn more here

OR

Black Hawk Scholarship
黑鹰学院的转学生， learn more here

OR

Academic Scholarship
3.5-4.0 GPA: $16,500
3.0-3.49 GPA: $15,500
2.5-2.99 GPA: $14,500
2.0-2.49 GPA: $11,500

ADDITIONAL INSTITUTIONAL AID

Phi Theta Kappa奖学金:500美元
Awarded to all Phi Theta Kappa National Honor Society members transferring from a community college

Fr. Welch Alumni Scholarship: $500 per year
Parent is a St. Ambrose graduate

双录取奖学金:每年1000美元
Participant in SAU/community college dual admission program

Minority Scholarship: $500 per year
Ethnically diverse student

Athletic Scholarships: varies
Performance and ability

Fine Arts Scholarships: varies
在音乐、美术和戏剧方面的表现和能力

信仰学习正义校园事工奖学金: $2,000 per year
Recognition of involvement in church and community service and interest in strengthening faith and growing as a leader in campus ministry

St. Ambrose scholarships awarded for fall and spring semesters only, and are renewable up to 120 credits of undergraduate study, 其中包括转入圣. Ambrose from prior attendance. Scholarships are only awarded to students enrolled full-time coursework and combined total may not exceed cost of tuition. Award terms and regulations regarding financial aid eligibility are available on our website.

Grants are money that you don't repay, and they can come from government or private sources. SAU receives all financial aid funds directly - including loans and grants - then applies them to your account: once in the fall term and once in the spring term. Grants can be used to cover your tuition, books, and housing costs. 你必须每学年申请助学金. If you have any loan funds in excess of your costs, you may receive a refund. If you are a first-time borrower, there is a 30-day hold on your first disbursement. For all of these grants, you must complete the Free Application 免费申请联邦学生援助(FAFSA) as soon as it is available.

Iowa Tuition Grant
To be eligible for the Iowa Tuition Grant, you must be a resident of Iowa as defined by the State Board of Regents and currently enrolled or planning to enroll in an undergraduate degree program at an eligible Iowa college or university (SAU is eligible). Iowa College Aid administers need-based college financial aid for Iowans, such as the Iowa Tuition Grant.
Award: $7,500 maximum

Federal Pell Grant
Awarded to students of the highest need based on how much your family can contribute to your education. The U.S. 教育部设定了一个门槛. Then, when you file your 免费申请联邦学生资助 (FAFSA), it computes where you land within that threshold and determines if you qualify for the grant and for how much.
Award: $6,895 maximum

联邦补充教育机会补助金(FSEOG)
You must file a FAFSA to qualify for a Pell Grant. 此补助金以先到者为准, first-served basis to students who have submitted all required documents for review and in time for the review to be complete. 如果你有资格获得佩尔助学金或SEOG, 这些奖项将出现在你的经济援助奖励信上.
Award: $400 maximum

Federal Work Study
Must secure campus employment.
Award: $2,560

Federal Teacher Education Assistance for College and Higher Education (TEACH) Grant 
Provides aid to students intending to teach in a high-need field at a school that serves low-income families (as determined by the U.S. 教育部或州教育机构). Review criteria and all details here.
Award: up to $4,000

There are many opportunities to receive scholarships from outside sources, here are a few websites to begin researching your options:

• Fastweb
• College Board Scholarship Search
• Scholarships.com
• Peterson's Award Database
• Scholly (app download)

Another tip: Next time you're on campus, check out the bulletin board outside Student Financial Services where we post more flyers and applications for outside scholarships.

Here are some important tips to follow when borrowing student loans:

• As a student loan borrower, be aware of your rights and responsibilities.
• Be a responsible borrower and only borrow what you need to cover your educational expenses. If you have borrowed more money than you need for the semester, you can always return it. 提前还款没有罚款.
• 了解每笔贷款的宽限期. If you go below half-time status or withdraw from school, you will enter your grace period. If your grace period elapses and you are not enrolled, you will begin your repayment period.
• Pay off accruing interest to avoid interest capitalization when entering repayment.
• Avoid defaulting on your student loan. 如果你在支付月供方面有困难, contact your student loan provider or school for help and information.
• If you have any loan funds in excess of your costs, you may receive a refund. If you are a first-time borrower, there is a 30-day hold on your first disbursement.

Federal Student Loans

All students filing a FAFSA are eligible for federal loans.

The SAU Financial Aid Office determines which types of federal loans you are eligible for, and the loans will be listed on your official award letter.

Federal Direct Loans

These are federally guaranteed loans. There are two types of Direct Loans: subsidized and unsubsidized. Learn more about these loan types on the federal Student Aid website.

• A subsidized loan is based on financial need; the government waives the interest accrual while the student is enrolled at least half-time. Repayment on a subsidized loan does not start until 6 months after the student drops below half-time enrollment, graduates, or withdraws.
• An unsubsidized loan is not based on financial need, and there is no interest payment deferment.

Federal Direct Parent PLUS Loans

This loan is for parents who want to finance their student's remaining balance and expenses. This is a credit-based loan with a fixed interest rate (see the table below). Parents are responsible for the full payment or interest-only payments while their student is enrolled. The loan cannot exceed the cost of attendance that remains once all other institutional and federal aid has been applied.

*See the graduate student loan accordion for more information regarding federal loans available to graduate level students.

联邦贷款有初始费用, which is a one-time cost subtracted from the top of whatever amount they lend you to pay for administration and processing costs. The fees for 23- 24 are 1.有补贴和无补贴直接贷款比例为0.57%.家长+和毕业生+贷款的228%.

For information, visit the Federal Direct Loan website.

关于联邦直接贷款计划的快速事实

*借用数据为2022-2023学年. Graduate data available upon request.

**The federally calculated cohort default rate (CDR) measures how many federal student loan borrowers default within a specified period after entering repayment. For the 2020 CDR, students would have went into repayment between October 2019 and September 2022, and defaulted by September 2023.

*** The national cohort default rate has dropped to 0 percent, which reflects the pandemic pause on student loan repayment. This page is updated each year when the Official Cohort Default Rate is released in September.

Private alternative loans are designed to assist students who need additional funding to meet the gap between the cost of attendance and any financial aid they have already received for that year/term.

Private loans are not part of the federal education loan program. Any student with questions or considering a private loan to help cover costs should first speak with the Financial Aid Office.

If you are considering a private educational loan, be aware of the following:

• As a private loan borrower, it is your responsibility to research which loan will be best for you. You should pay close attention to interest rates, fees, and repayment terms.
• 如果贷方批准了您请求的贷款金额, 大学可能不会批准同样的数额. The amount of money you may borrow (your loan) will be determined by both the University and other aid you receive. The loan also must fit within your Cost of Attendance budget set by the University according to Department of Education guidelines.
• 私人/替代贷款是基于信用的贷款. 这意味着该公司将运行你的信用记录. If your credit does not pass, you may be required to have a co-signer in order to receive that loan. The majority of private educational loan lenders offer a choice of variable or fixed interest rates. Variable means that the rates will fluctuate with the market over the life of the loan. Fixed means your interest rate will stay the same over the life of the loan. This will greatly influence the total cost of the loan over the years of repayment. If you do require a co-signer, most lenders offer a co-signer release option. This means that once you are in repayment and can be approved for credit on your own, your cosigner will be removed from the loan through a refinance process.
• 许多私人教育贷款也有相关费用. These processing or origination fees are charged to you and taken off the top of your loan. For example, you borrow $1,000 and the loan you chose had a 5 percent origination fee, you would only receive $950 because $50 is deducted for the fee.
• Once you apply, the Financial Aid office will be notified and we will certify your loan. In most cases, this is done electronically, but you can expect that processing will take several weeks to complete because of the credit underwriting that the lenders perform.

比较贷款，做出明智的决定
This private loan comparison tool empowers you to take control of the process and make an informed decision in selecting the best private loan for your individual situation.

• FASTChoice, 由五大湖贷款担保人和处理商提供支持, helps you choose the right loan by presenting you with loan details, including eligibility requirements, interest rates, loan limits and borrower benefits. FASTChoice provides comparison tools for a variety of private educational lenders previously utilized St. Ambrose students.

As required by state and federal law, the preferred lender list has the following disclosures:

• In conjunction with lenders reviewed and used by our students, the SAU Financial Aid staff generated a list of lenders and compared those lenders' loan product details such as: fees, interest rates, rebates, etc. After evaluating those loan products, the staff generated a list of preferred lenders.
• Evaluation and Selection Criteria: After compiling a comprehensive list, lenders were evaluated and selected based on interest rates, origination fees, cosigner options, out-of-state borrower options, efficiency of loans processing, customer service, loan limit criteria, non-degree seeking loans options, past due balance options, and repayment options/incentives.
• Each lender on this preferred lender list is unaffiliated with the other.
• A student is not required to borrow from a lender on this list and may apply for a private student loan with any lender. 

St. Ambrose University does not endorse any of the lenders included in the links above and cannot recommend specific lenders. Students may also choose to use a loan provider that does not appear in the list of lenders included at either of the links above.

You may be eligible for a portion or all of your student loan to be forgiven (not repaid) depending on your area of study, how your loan is financed, or where you work.

Information on this page is not exhaustive, so inquire with your loan provider or servicer.

Teacher Loan Forgiveness

If you plan to teach, you may qualify for a portion of your loan to be forgiven or completely paid (canceled). 

Loan type: Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, Unsubsidized Federal Stafford Loans

• 联邦学生援助网站上的教师贷款减免
• 伊利诺伊州教师贷款偿还计划 (IL residents only)
• TeachIowa Loan Forgiveness Program
• Search the 美国教师联合会资助数据库

Public Service Loan Forgiveness

Working in certain public service jobs and making continuous payments on your Direct Loan may qualify the balance of your loan to be forgiven. Examples of public service include government jobs at any level, attorneys in certain fields, non-profit 501(c)(3) organizations, and other non-profit groups. 美国志愿队、和平队和VISTA也算在内.

• Federal Student Aid website on Public Service Loan Forgiveness (PSLF)
• Americorps Education Award
• American Bar Association

医疗保健专业人员贷款偿还

Several programs offer loan repayment or forgiveness to those working in medical professions, usually in low-income or health professional shortage areas (HPSA).

• National Health Service Corps
• NURSE Corps Loan Repayment Program
• Iowa Loan Repayment Program