一年级学生

• 的 财政援助办公室 receives numerous requests for information about student loan products from students and families each year. 希望获得学生贷款的学生和家庭应该首先考虑联邦学生贷款. We strongly encourage all students and families to research financing options thoroughly and select a lender of their choice to utilize the option that best fits within their financial situation.

• To aid our students, we have compiled a 建议出借人名单 based on the favorable terms and conditions that are offered to the borrower. In this endeavor, we were guided by the NYS Student Lending Accountability, Transparency and Enforcement Act (SLATE).
• 为了编制名单, the 财政援助办公室 completed a Request For Information (RFI) process. 财政援助工作人员编制了一份RFI问卷，让所有感兴趣的贷款人完成. 所有在规定期限内提交的RFI报告都经过财政援助工作人员的彻底审查. 后, the financial aid staff met to discuss the RFI documents and obtain any additional information necessary to answer all questions raised during the review process. 作为这个过程的结果, 财务援助人员确定哪些贷款人符合我们的RFI文件中建立的标准. 的 lenders listed meet the following requirements (in no particular order):
  • Have customer service hours that are flexible to meet student and family needs
  • 所有类别的学生贷款违约率都很低:在全国范围内，在纽约，对于ACPHS学生
  • Offer low interest rate structures for private student loans
  • 在私人学生贷款产品中，是否向借款人收取较低的后期和前期费用
  • Offer a quick turnaround for credit decisions for students and parents
  • Have high approval rates for credit-based student loans
  • 同意允许学生与财政援助办公室的招生管理副总裁一起查看RFI材料, 应学生要求

Many students will be assisted by grants, scholarships and loans from state and federal governments, the College and other private agencies. 在2018-19学年，100%的新生获得了经济资助.

所有学生都应该申请联邦和州资助计划，他们可能有资格. 学生也可以在必要时使用联邦直接斯塔福德贷款计划. Students are expected to file the Free Application for 联邦学生资助 (FAFSA) or Renewal FAFSA each year in order to determine financial aid eligibility.

Students must have unmet need in order to qualify for need-based aid. 的 College will determine the student's unmet financial need by deducting the federal expected family contribution from the student's cost of attendance. Need-based awards are limited and offered on a first-come, first served basis to students who meet the College's financial aid deadlines.

ACPHS’s Federal Title IV Code is 002885
FAFSA的申请截止日期为新生2月1日，返校学生3月1日. Students are encouraged to submit the FAFSA or Renewal FAFSA electronically. 不能上网的学生可以将纸质的FAFSA表格邮寄给联邦处理人员. 的 federal processor will conduct an analysis of family income, 资产, 家庭人数和上大学的家庭成员人数使用联邦方法公式.

的 federal methodology formula is approved by the U.S. Congress each year to determine the expected family contribution. Students selected for verification or correction must submit copies of student, spouse and parent(s) signed IRS Tax Transcripts (filed this past April) and W-2 forms with a federal verification worksheet to the office of financial aid by May 1. Students subsequently selected for verification after May 1 are required to submit these documents within 60 days of written notification from the 财政援助办公室. 经济援助办公室不能处理未满足上述截止日期的学生的经济援助奖励.

的 财政援助办公室 will determine the student’s financial need according to the following formula: Cost of Attendance minus Expected Family Contribution equals Financial Need. 除了 to filing the required forms and demonstrating financial need, 学生必须继续保持令人满意的学业进步，才有资格获得联邦奖学金, state and institutional financial-aid awards.

A student's enrollment status for determining financial aid eligibility and student loan deferment includes only courses required for degree fulfillment. Courses in which you are enrolled that are not required for your degree program do not qualify for payment or student loan deferment.

Federal regulations require the 财政援助办公室 to monitor the academic progress of students attending Albany College of Pharmacy and 健康科学 (ACPHS). It is important to note 学业进步标准 (SAP) are separate from, 除了, 学术地位政策和发展要求在目录的学术规定部分建立. All students regardless of major, 年级水平和课程负担将按照联邦和机构援助资格的相同标准进行评估.

SAP评估频率
的 财政援助办公室 will review SAP annually in June, after spring semester grades are posted. This standard is stricter than the College's Academic Standing policy for students who are not receiving Title IV Assistance.

定性标准
All students must be in good academic standing with the College. Students enrolled in a Bachelor's of Science degree or the 药学博士 degree must maintain a minimum cumulative grade point average (GPA) of 2.0 at the end of each academic year. Beginning in the 2011-2012 academic year, all 药学博士 students must have a minimum cumulative GPA of 2.5 .毕业. 注册硕士学位课程的学生必须保持最低累积GPA为3.0 at the end of each academic year. 除了, the Higher Education Act requires that all students, at the end of their second year, have a cumulative GPA of at least a "C" or have an academic standing consistent with their program's graduation requirements.

Quantitative Standard (Pace of Progression)
所有学生必须按照规定的累积速度完成学位. 完成的课程作业和获得的学分被定义为学生获得及格分数的任何课程. 下面的例子指定了学生必须获得成功进步的最低学分数.

药剂学博士

硕士学位

学士学位

及格/不及格课程、未完成、退学、重复和学分转移的流程 

• 在及格/不及格课程中，成绩为P的课程将只计算在数量标准中.
• 未完成课程和退课只在数量标准中计算.
• Repeated courses will be counted in the quantitative standard only.
• Transfer credits will be counted in the quantitative standard only.
• 更改专业的学生将被记录在他们即将进入的学期的表格上.

Loss of 经济援助资格
If students fail to maintain SAP, they will lose eligibility until they raise their cumulative GPA to the minimum standard and/or by making up the credit deficiency.

上诉
Students who fail to make SAP due to very serious circumstances, 比如受伤, 疾病, the death of a relative or other special circumstances, which caused a major disruption to their ability to successfully complete their coursework may appeal the loss of that aid to the Director of 金融援助. Students should submit a letter to the Director of 金融援助 along with documentation to substantiate the unusual or extraordinary circumstance(s) that prohibited the student from making SAP. This must include a comprehensive description of the circumstance(s) and documentation from at least two qualified persons who can verify the information.

除了, students must explain what has changed with their situation that will allow the student to meet SAP requirements at the next evaluation. 如果学生受伤, student 疾病 or death of an immediate family member, 经济援助署署长在向经济援助上诉委员会提出上诉前，可决定覆核上诉. 学生必须在6月29日之前提交上诉信和相关文件. Within 2-4 weeks after the due date, the 金融援助 上诉 Committee will review the appeal, make a recommendation and send a letter of response.

经济援助试用期
的 status of probation is assigned to a student who is failing to make SAP and who successfully appealed their loss of financial aid eligibility. 在此状态下的学生将在一个付款期内恢复其经济援助. 在付款期结束时，学生将重新评估联邦和机构援助资格.

学术计划
If the 金融援助 上诉 Committee determines, 根据学生的申诉, 学生需要一个以上的付款期才能达到进度标准, a status of probation will be assigned and an academic plan will be developed. Students in this status will have their progress reviewed at the end of one payment period to determine if the student is meeting the requirements of the academic plan. If the academic plan is being followed, the student will regain eligibility for 联邦学生资助, 只要他们继续满足学术计划中规定的要求. Students may appeal to change their academic plan by explaining what has happened the make the change necessary and how they will continue to meet SAP.

重建援助资格
If students fail to maintain SAP, they may regain eligibility by raising their cumulative GPA to the minimum standard and/or by making up the credit deficiency without the benefit of federal or institutional aid.

Maximum Time Frame for Degree Completion
Students must complete their degree within the maximum time frame of 150% of the published length of the academic program. Students enrolled in the 药学博士 program must complete their education objective within a period of nine years (6 years x 150%). A student enrolled in any of the Bachelor's degree programs must complete his/her educational objective within a period of six years (4 years x 150%). A student enrolled in a Master's degree program must complete his/her education objective within a period of 150% of the length of their program.