研究生 Certificate Students
As a new or a continuing student in one of our financial aid approved 研究生 Certificate 程序s--whether on campus, 在一个扩展站点, or online--you are probably eligible 为 some sort of 金融援助. You may also apply 为 an outside 奖学金.
Financial Aid Approved 研究生 Certificate Programs
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私人贷款
Because not all private lending institutions require that loan recipients be matriculated, you may be able to qualify 为 a private loan. (Be aware that loans from private lenders require credit approval and honor specific lender rules.)
Federal Education 贷款
If you are registered 为 a minimum of 6 credits and are in any of the aid-approved 研究生 Certificate 程序s, you may qualify 为 Federal Direct loans, 联邦珀金斯贷款, or federal Work-Study awards. (Keep in mind that you still must meet the requirements of each individual aid 程序.)
联邦税收抵免
In addition to being eligible 为 certain private loans, independent non-matriculated students (or parents of dependent non-matriculated students) may be eligible 为 the following federal tax credits:
- 美国 机会 税 信贷 - This tax credit expands and renames the existing Hope 信贷 and can be claimed 为 qualified tuition and related expenses that you pay 为 higher education in 2009 and 2010. Qualified expenses include tuition and related fees, books, and other required course materials. The full credit is generally available to eligible taxpayers who make less than $80,000 (or $160,000 为 married couples filing a joint return); however, the credit is gradually reduced 为 taxpayers with incomes above these levels. (The 美国 机会 信贷 is not available on the 2008 returns taxpayers are filing during 2009.)
- Lifetime Learning 信贷 - If you are an adult who wants to go back to school or a college junior/senior, or maybe someone looking to earn a graduate degree, you can apply 为 this tax credit. The credit is limited to 20% of the first $10,000 you spend on education, meaning that the highest credit that can be granted is $2,000. You do not have to pursue a degree in order to receive the credit; you must only be currently enrolled in a course. Unlike the HOPE Scholarship 税 信贷 (above), which can be claimed per student, this credit can be claimed only 每个家庭; however, you can claim 为 an unlimited number of years; that is, you can keep going back to take classes and continue claiming until you have received a $2,000年信贷. The same income limits on the HOPE Scholarship 税 信贷 apply to the Lifetime Learning 税 信贷.
Taken together, the tax credits are excellent ways to help pay 为 school. For in-depth in为mation, check out IRS Publication 970 on the 国税局的网站.
Veteran's and 军事利益
If you are a service member, 一位资深, or a military-civilian trying to reach your educational goals, check out our available resources, 包括 军事 Tuition Assistance 程序.
成人奖学金
申博太阳城提供 merit-based 奖学金s 为 本科 New Jersey residents and out-of-state students; however, there are many outside 奖学金 opportunities available 为 the adult learner:
和更多的!