哈佛大学奖学金类型和申请

　　哈佛大学是美国本土历史最悠久的高等学府，在文学、医学、法学、商学等多个领域拥有崇高的学术地位及广泛的影响力。一直以来，哈佛大学都致力于成为学生可以负担得起的学校，为学生提供多种类型的经济援助。下面和出国留学网一起来看看吧。

　　Tuition and Expenses

　　We understand that a private college education is a significant undertaking for any family, and our goal is to make sure it remains manageable for you. To that end, we offer need-based aid and financing plans for families at all income levels—in fact, approximately 70 percent of Harvard students receive some form of financial aid.

　　This fact sheet outlines the full cost of a Harvard education, before accounting for financial aid or other awards. If you are eligible for aid, you may also receive an additional standard allowance for travel and personal expenses.

　　一、学费和生活开销：

　　在了解哈佛大学的经济援助之前，让我们先来一起了解一下学生就读于哈佛大学所需要的学费和生活成本吧。

　　哈佛学院知道一所私立学院教育对于任何入学的家庭而言都是具有重大意义的，并且哈佛学院的目标就是确保其在学生可以应付的范围以内。为了达到这一目标，哈佛学院为所有如何水平的家庭都提供了按需分配的经济援助以及经济计划——实际上，大约有70%的哈佛学生获得了一些形式的经济援助。

　　这个费用表格列出了在获得经济援助以及其他的奖励之前，哈佛教育的全部花费。如果你具备获得经济援助的资格，你可能有机会获得额外的标准津贴，用于旅行或者是个人开销。

　　Many Ways to Support Your Education

　　When you qualify for financial aid from Harvard, we use a combination of resources to create an individualized aid package to meet your demonstrated need. This may include scholarship funds, student employment, and loans, as well as any awards you’ve earned from outside sources.

　　We will work with your family one on one to help you navigate options and make sure Harvard is an affordable option for your undergraduate education.

　　二、哈佛大学经济援助的多种形式：

　　在你符合哈佛大学的经济援助资格的时候，我们会结合所有的资源来创建一个单独的援助方案来满足你证明的需要。这可能会包括奖学金资金、学生雇佣收入、贷款、以及你从外部资源获得的任何奖励。

　　我们会和你的父母一起帮助你做出选择，确保哈佛大学是你本科教育最为实惠的选择。

　　Scholarships

　　After we assess your financial situation, we cover the remainder of your need with scholarship assistance and the offer of a campus job.

　　Covering 100% of Your Demonstrated Need

　　Because Harvard is committed to affordability, our scholarships are designed to completely cover your demonstrated financial need. Here is our process:

　　First we determine your award by establishing your parent contribution.

　　Then we factor in student employment and any outside awards you’ve received.

　　Your remaining need will be covered by scholarship funds.

　　These awards come from a variety of sources, including Harvard endowment funds, gifts from alumni, general tuition revenues, and federal and state grants.

　　The Faculty of Arts and Sciences Scholarship program includes more than 1,500 individual endowment funds, established by generous alumni and donors, including a transformational gift from Ken Griffin ‘89. In recognition of their important legacy, we report to many of them annually using the information students share with us over the summer. When you receive scholarship assistance, you may be asked to write a thank-you note to your scholarship donor.

　　Federal and state grants

　　If you are a U.S. citizen or permanent resident, you may be eligible for a Federal Pell Grant or a Supplemental Educational Opportunity Grant (SEOG). Your eligibility is determined by the information you provide in your Free Application for Federal Student Aid (FAFSA).

　　Pell Grants and SEOG are awarded by the federal government and administered by our office, based on financial need. Within 10 days of filing your FAFSA, you will receive a Student Aid Report indicating your eligibility for a Pell Grant. Of the roughly 6,600 current undergraduate students at Harvard College, 16% are Pell Grant recipients.

　　If you are a Massachusetts resident, you may also be eligible for a state Gilbert Grant, which is awarded on the basis of need. These awards do not affect your term-time work expectation.

　　1、奖学金

　　在我们评估你的经济情况以后，我们会通过奖学金援助以及提供一份校园工作来覆盖你所需要的余下留学资金。

　　100%的负担你所需要的资金：

　　因为哈佛大学致力于成为你可以负担得起的学校。所以我们的奖学金也致力于完全的覆盖你所证明的经济需要。下面是我们的审核授予步骤：

　　- 首先我们通过了解你父母的资金贡献情况来决定你的授予额度;

　　- 然后我们会考虑到你的雇佣情况以及所获得的外部资金支持;

　　- 你剩下的资金需要将会完全由奖学金资金覆盖。

　　这些资金来源不一，包括哈佛捐赠基金、毕业生赠予、一般学费收入、以及联邦和州政府资助。

　　艺术和科学系的奖学金项目包括了超过1500个单独捐赠资金，由慷慨的毕业生以及捐赠者建立，包括肯·格里芬的转型捐赠。在处理他们重要的遗产的时候，我们通常会告诉他们我们所了解到的学生情况，所以在学生获得奖学金援助之后，可能会需要写一封感谢信给你的奖学金赞助者。

　　联邦和州政府资金：

　　如果你是一名美国公民或者永久居民，那么你可以申请联邦佩尔助学金或者是联邦补助教育机会奖助金。你的申请资格将由你在联邦学生援助的免费申请中提供的信息决定。

　　联邦佩尔助学金或者是联邦补助教育机会奖助金是由联邦政府在经济需求的基础上授予，由哈佛大学办公室管理执行的。在完成你的联邦学生援助的免费申请后的10天以内，我们会收到一份学生援助报告，显示你申请联邦佩尔助学金的资格。目前，在哈佛大学本科学院大约6,600名的本科学生中，大约16%获得了联邦佩尔助学金。

　　如果你是一名马萨诸塞居民，你还可以申请州政府的吉尔伯特助学金，该助学金也是按照学生需求发放的。这些奖学金不会影响到你的学期工作期望。

　　Outside Awards

　　If you receive financial aid along with additional funding from outside sources, we will add that funding to your aid package, where it will reduce your work expectation.

　　Like many of our students, you may receive scholarship funds from sources outside Harvard, such as secondary schools, civic organizations, your parental employers, corporations, the National Merit Scholarship Programs, the G.I. Bill, and the ROTC.

　　Since the intent of these awards is that they be used for educational purposes, you must report them to Harvard and apply them toward your college expenses. We will consider your outside awards as a part of your overall financial aid funding.

　　Funds from outside awards are incorporated into your financial aid package in three steps:

　　First to replace term-time job expectation.

　　Next to replace summer earnings expectation.

　　If you have outside awards that exceed your term-time & summer work expectation, the remaining amount would replace an equal amount of Harvard scholarship.

　　Since outside awards are additional resources that reduce your financial need, they cannot be used to replace your parent contribution.

　　2、外部奖励

　　如果你获得了经济援助以及外部来源的资金，我们会增加这些资金到你的援助方案中，这将会减小你的工作期望。

　　像很多哈佛大学的其他学生一样，你也可能会获得一些哈佛大学以外的奖学金资助，例如中学学校、社会组织、你父母的雇主、企业、国家优秀奖学金计划、G.I. Bill以及ROTC。

　　因为这些奖学金的目的是用于教育，因此你必须将其报告给哈佛大学，并且将它们用于你的大学费用支出。我们会把你所获得的外部资金援助当成是你的总体经济援助资金的一部分。

　　外部的资金援助将会通过三个步骤合并到你的经济援助方案中：

　　- 首先代替学期中间的工作期望;

　　- 然后代替暑期工作获利期望。

　　如果你的外部资金资助超过了你的学期期间以及暑期工作期望，那么剩下的额度将会代替同等额度的哈佛大学奖学金。

　　因为外部奖励是一个减少你的资金需求的额外资金来源，所以他们不能用来代替你父母的资金贡献。

　　Jobs

　　We expect students to contribute to the cost of their education through summer and term-time employment. Student jobs are plentiful, and our aid package will include a term-time work expectation unless you have substantial outside awards.

　　Term-Time and Summer Employment

　　All students, regardless of their financial aid status, may work during the academic year—and in fact, around two-thirds of our students do. If you receive financial aid from Harvard, you will likely be expected to contribute to your education through employment. This may come in the form of term-time work expectation or as part of the Federal Work-Study Program.

　　Whatever your situation, the Student Employment Office is available to help you find work at University institutions, including libraries, museums, and cafeterias.

　　All jobs are posted on the website, and we usually have many more job listings than students looking for work. Listings do come and go quickly in the first weeks of the semester, however, so finding the right one can take time and persistence.

　　Federal Work-Study Program

　　When you apply for aid, your package will indicate your eligibility for the Federal Work-Study Program (FWSP). If you are eligible, you will be able to work in FWSP-designated jobs at the University. Our advisors will work with you to get you placed.

　　Term-Time Jobs

　　Unlike FWSP, which is awarded and requires special eligibility, “term-time work expectation” in your financial aid package represents the expectation that you will find work to help cover the cost of your education. Your term-time job is not designated by our office, but we can help you find opportunities for employment.

　　Your expected term-time work expectation is based on your working a reasonable number of hours during the semester—often around 8 to 12 hours per week.

　　3、工作

　　哈佛大学希望学生通过学期期间以及暑期的工作兼职来负担部分自己的教育费用支出。学生工作类型多种多样，并且哈佛大学的经济援助计划将会包括一个学期期间的工作预期，除非你有相当可观的外部资金授予。

　　学期期间以及暑期的工作兼职：

　　所有的学生，无论其经济援助状态如何，都可以在学年期间打工兼职——并且实际上，哈佛大学有大约三分之二的学生正在这样做。如果你获得了哈佛大学的经济援助，你很可能会通过工作兼职来负担部分教育费用。这可能来自学期期间的工作预期或者是联邦勤工俭学计划。

　　在任何情况下，学生就业办公室都会帮助你在大学内部找到合适的工作机会，包括图书馆、博物馆以及餐厅食堂。

　　所有的工作兼职机会都会公布在网上，并且我们的工作机会往往会比学生寻找的多。但是，在每一个学期的第一个星期，工作兼职的清单信息往往是更新的很快的，所以找到一个合适的工作是需要时间和毅力的。

　　联邦勤工助学计划：

　　在你申请经济援助的时候，你的援助方案将会显示你参加联邦勤工助学计划(FWSP)的资格，如果你符合要求，那么你将会在FWSP指定的校园内部工作岗位工作。我们的顾问会帮助你并且安排合适的工作岗位。

　　学期期间工作：

　　不像FWSP一样需要满足特殊的条件资格才可以获得工作机会，在你的经济援助方案中的学期期间工作期望，代表着你将会找到工作兼职机会来负担自己的教育费用的期望。你的学期工作不是由我们办公室分配安排的，但是我们可以帮助你找到适合的工作机会。

　　你的预期学期期间工作期望是以你在学期中间工作合理的时间为基础得出的——通常一个星期大约是8-12个小时。

　　Loans

　　Your financial aid award will cover your entire demonstrated need without loans, but you may still choose to borrow through several federal loan programs, or through Harvard Loans.

　　Federal and Harvard Loan Programs (2016-2017)

　　You are not expected to take out loans as part of your financial aid package. Our aid packages are designed to cover your financial need without additional borrowing. In fact, most of our students graduate debt-free. However, you may choose to pursue loans to help cover your student or family contribution.

　　If you are interested in a loan, we will help you find one that works for you. You may also consider federal or private parent loans.

　　Federal loan programs

　　To be eligible for any of these federal loans, you must complete the Free Application for Federal Student Aid (FAFSA)

　　Federal Direct Subsidized Stafford Loan

　　Need-based loan with interest paid by the federal government during enrollment, grace and deferment periods.

　　Interest rate is based on the 10-year Treasury bill plus 2.05 percent. Interest is capped at 8.25 percent.

　　Loans are “variable fixed”, meaning borrowers would receive a new rate with each new loan, but then that rate would be fixed for the life of the loan.

　　Interest rate fixed at 3.76 percent for 2016-2017, with 10 years to repay.

　　Maximum amounts: $3,500 for freshmen, $4,500 for sophomores, and $5,500 for juniors and seniors.

　　Net origination fee of 1.068 percent (1.069 for loans first disbursed after Oct. 1, 2016) is included in the loan amount.

　　Repayment begins six months after the student graduates or drops below half-time enrollment.

　　Federal Direct Unsubsidized Stafford Loan

　　Maximum amounts: $5,500 for freshmen, $6,500 for sophomores, and $7,500 for juniors and seniors.

　　Students eligible for a subsidized Stafford Loan can receive an additional $2,000 unsubsidized.

　　Non-need-based loan with interest accruing from disbursement; interest can be paid quarterly or capitalized and added to the principal amount when repayment begins.

　　Interest rate, fees, and repayment are the same as the Subsidized Stafford Loan.

　　Harvard loans

　　In addition to several federal options, which have specific eligibility requirements, we offer the Harvard Loan Program, which is available to you no matter your federal loan eligibility.

　　Need-based loan with interest paid by Harvard during enrollment, grace, and deferment period.

　　Interest rate fixed at 5.0 percent with 10 years to repay.

　　No origination or insurance fees.

　　Repayment begins six months after you graduate or drop below half-time enrollment.

　　The monthly payment will be $10.61 per $1,000 borrowed, or a minimum of $50.

　　Does not require eligibility for federal loan programs.

　　4、贷款

　　你的经济援助资金将会包括在没有贷款的情况下，你整个的证明需求资金，但是你仍然可以通过几种联邦贷款项目、或者是哈佛贷款项目来申请贷款。

　　联邦和哈佛贷款计划(2016-2017)

　　哈佛大学并不期望你获得贷款当成自己经济援助计划的一部分。我们的经济援助计划旨在负担你所有的资金需求(在没有贷款的情况下)。实际上，大部分哈佛学生毕业的时候都是没有债务的。但是你也可以选择申请贷款来负担你的学生和家人支出。

　　如果你对于贷款有兴趣的话，我们会帮助你找到一个适合自己的贷款项目。你也可以考虑申请联邦贷款或者私人贷款。

　　联邦贷款方案：

　　为了具备申请以下任何一种联邦贷款的资格，你必须完成联邦学生助学金申请表(FAFSA)。

　　联邦直接补贴的斯塔福德贷款：

　　- 基于需求的贷款，在入学、宽限以及延迟修业期间由联邦政府支付利息;

　　- 利率在10年的短期国库券利率基础上增加2.05%，利率最高为8.25%;

　　- 贷款是“固定可变的”，这意味着贷款人在每一次新的贷款中可能有新的利率，但是该利率在贷款还款期间是固定的;

　　- 在10年以内偿还的2016-2017学年的利率固定在3.76%;

　　- 最大额度：大学新生$3,500，大二学生$4,500，大三和大四学生$5,500;

　　- 1.068%的净融资费用(在2016年10月1日之后第一次贷款发放是1.069%)包括在贷款额度中;

　　- 在你毕业或者改变为非全日制注册登记状态之后的6个月开始偿还贷款;

　　联邦直接无补贴的斯塔福德贷款：

　　- 最大额度：大学新生$5,500，大二学生$6,500，大三和大四学生$7,500;

　　- 具备申请补助斯塔福德贷款的学生可以获得额外的$2,000无补贴贷款;

　　- 非需求基础贷款，利息在贷款发放之后产生;利息可以按季度支付，或者在偿还开始后增加到本金中;

　　- 利率、费用、以及偿还方式与补贴斯塔福德贷款一样。

　　哈佛贷款：

　　除了几种有具体资格要求的联邦贷款之外，我们还提供哈佛贷款项目，无论你的联邦贷款资格如何，都是可以申请该贷款的。

　　- 基于需求的贷款，在入学、宽限以及延迟修业期间由哈佛大学支付利息;

　　- 在10年内支付的利率固定在5.0%;

　　- 没有开户费或者保险费用;

　　- 在你毕业或者改变为非全日制注册登记之后的6个月开始偿还贷款;

　　- 每借出$1,000的每月付款将会是$10.61，或者最低$50;

　　- 不需要满足联邦贷款项目的申请资格。

　　推荐阅读：

　　美国哈佛大学申请条件

　　2016-17哈佛大学学费

　　美国高中留学生活费详细解析

　　以上内容由出国留学网m.liuxue86.com独家翻译，版权归出国留学网所有，未经出国留学网授权许可，任何公司任何人不得复制和转载，违者必追究法律责任!!!