WEBVTT

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we're going to be going through all the different 
components of financial aid this evening  

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and our learning objectives tonight are for 
you to understand the financial aid process  

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here at UIC identify the different 
types of financial aid that we offer  

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and also how to understand and read 
your financial aid award notification  

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as well as next steps what you can do from here 
once you've received your award notification  

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so let's talk about the financial aid process so 
first and foremost comes the application stage so  

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there are two ways to apply for financial aid at 
UIC the first is the fafsa this is known as the  

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free application for federal student aid and you 
can apply for that every year on october 1st so  

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the 22 23 award year is the current basketball 
that we're using and that became available  

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on october 1st of 2021 and again this is not 
a form filed once like your application for  

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admission this is something that you would 
have to file every year so every october 1st  

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you want to set a reminder on your calendar to 
file your fafsa for that particular upcoming year  

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also here in the state of illinois we have the 
alternative application for illinois financial  

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aid so this is now available as well this also 
becomes available october 1st of every year  

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this application is specific to students who 
are ineligible to file for federal financial aid  

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so it includes undocumented students as well as 
transgender students though again are unable to  

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fill out the federal application this is the 
alternative application and it's what another  

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option for students in those categories to receive 
financial aid from the state of illinois as well  

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as from uic now please note you do not need to 
file both you only need to file one or the other  

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so for those students who are eligible to file 
the fafsa that is the application that you want to  

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file and for those who are ineligible to file the 
fafsa who meet the criteria of these categories  

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this is the application that you would want to 
file and again both applications need to be filed  

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each year and both applications are available on 
october 1st of the year before that fall semester  

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so let's talk about the fafsa so the 2223 fafsa 
and what it does so the fafsa basically takes  

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on components from your income information 
and other data primarily based on tax  

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returns and other information that you provide 
takes into consideration your family size and  

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the number in college and it computes what's 
called the expected family contribution now  

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we love using acronyms and financially and this 
is the first one it's called the efc that you're  

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going to come across well i suppose the second one 
fast would be first efc would be second um so the  

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efc is going to be something we talked about a 
little bit more today because the efc is one of  

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those main determining factors for what kinds of 
financial aid that you could be considered for  

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so again let's break down what the efc is so again 
it's calculated using data that you would provide  

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on the fafsa also please note that the alternative 
application also calculates an efc it uses a very  

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similar methodology to the fafsa in terms of 
calculating that contribution so the efc is on  

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both forms on the fafsa application as well as 
the state alternative application so it stays  

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the same this information stays the same no matter 
what college you're applying to so your efc at uic  

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is going to be similar or the same at other 
institutions through which you're applying  

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um for financial aid and there are two components 
that take up that combine to make the efc  

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one is the student contribution and 
the other is a parent contribution  

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in a lot of cases a lot of times um families 
believe that only the parent information  

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is used to calculate the contribution 
level but in fact the student contribution  

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is used as well so it's both uh both contributions 
combined to make the efc so why that is important  

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is we use that number to calculate what's 
called a financial need determination  

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so there are two major factors in that one is the 
cost of attendance which we will talk about in  

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detail a little bit further on in the presentation 
minus your efc and that equals your financial need  

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now let's talk about cost of attendance so cost 
of attendance is composed of two major categories  

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the first is direct costs these are costs that 
you can be expected to um to pay directly to the  

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university and it can be tuition mandatory fees 
and resident hall expenses or dorm costs if you  

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choose to live in the residence halls now indirect 
costs are those that we know you're going to need  

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while you are attending uic but they're not costs 
that we determine they're costs that you would  

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determine based on your particular circumstances 
and those can be books and supplies that's really  

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based on your program and the coursework that 
you're taking transportation whether you plan  

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to use the u-pass while you're here or if you 
plan to commute or if you plan to live off campus  

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plan to take the pace et cetera et cetera as well 
as other personal expenses such as laundry costs  

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dry cleaning medical costs that aren't covered 
by insurance things of that nature all of those  

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components go into calculating the coa or cost 
of attendance so while the efc is going to be  

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the same at every school that you apply to the 
cost of attendance is definitely going to vary  

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based on the school that you're attending so as 
an example in terms of how need is calculated so  

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let's just say the cost of attendance for you is 
twenty four thousand five hundred dollars the efc  

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as calculated by the fafsa or the alternative app 
is five hundred dollars that would leave you with  

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twenty four thousand dollars of unmet financial 
need or gross financial need so now that we've  

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determined um kind of how uh financial aid is 
is based in terms of how we determine financial  

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need and the overriding principles of financial 
aid be it cost attendance and expected family  

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contribution now let's talk about the types of 
financial aid and how those two factors impact  

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the types of financial aid that you might receive 
so there are four major categories there's grants  

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scholarships or waivers and those go into gift aid 
what we call gift aid programs and then the others  

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are loans and student employment such as federal 
work study that's what we consider self-help aid  

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so let's talk about gift date and what 
we mean by that so grants so typically  

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uh grants require the fafsa or the state 
application so they're normally based on some form  

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of financial need grants typically come from the 
federal state government or they can come from the  

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academic institution some institutions like we do 
here at uic have a need-based grant program that  

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kind of um that is primarily based and coupled 
with the federal and the state programs that we're  

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able to offer here so um so that is how grant 
programs typically work they're normally based  

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on some type of need based factor now the other 
major gift is scholarships or waivers now these  

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can be based on other factors such as talent 
affiliation uh academic merit and sometimes  

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need is a component here but generally speaking um 
need is normally not the major determining factor  

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so talent affiliation academic those tend to 
be tend to be the overriding factors when it  

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comes to scholarships and waivers sometimes these 
programs will also require a separate application  

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so scholarships again because it's gift date 
this is money that you would not have to pay  

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back so um so that's one of the major 
major differences between self-help  

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and gift aid is typically scholarships 
like gift date you do not need to pay back  

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so sources of scholarships again colleges 
and universities private organizations also  

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offer scholarships as well so for first-year 
students here at uic most of our scholarships  

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are determined through the admissions application 
or by the college in which you are applying for so  

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each area selects their own particular recipients 
and they will notify you of the scholarship  

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usually you will receive that notification 
before we receive it in financial aid for the  

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colleges and the admissions team they definitely 
notify us at that point once were notified then  

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we would add the scholarship information to 
your award notification now in many cases  

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we try very very hard to work with our college 
partners here at uic to get that information  

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to you right away so that when you get 
your award notification the first time  

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which many of you have received already you will 
have your scholarship information already on there  

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so but that's kind of how that process works here 
at uic the scholarships are determined typically  

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by the admissions process either by the admissions 
office itself or through your college that you're  

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replying to they notify us and then we would 
add that information to your award notification

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so external scholarships um there are many 
different types of external scholarships out there  

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so we recommend we encourage you to search for 
those different types of scholarships and then  

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apply um some can be very competitive but 
we definitely recommend that you still give  

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yourself an opportunity to apply and then maintain 
make sure you know and fulfill the requirements  

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for each scholarship some scholarships all they 
need is an application other scholarships they  

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might need some form of information from you 
such as a copy of your high school transcript  

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sometimes they require an essay or sometimes 
they even require references so it's  

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important to keep note of all the different 
requirements for each scholarship program  

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to which you're applying to make sure you have 
a complete application for when you apply such  

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that that agency can absolutely consider you for 
the opportunity so here are some helpful tools we  

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have a scholarships webpage here at uic also fast 
web that is one of the largest if not the largest  

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general scholarship search um in the united states 
and scholarships.com now one thing to keep in mind  

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that makes all three of these uh websites um 
distinct is that they are free so we want to  

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make sure that you exercise a little bit 
of caution when you're going through a  

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scholarship search we generally recommend 
staying away from any scholarship search  

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that asks you for money up front or ask you 
to pay to be considered for scholarships  

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most of the scholarships out there because it's 
gift aid most are non-profit or organizations in  

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that they wish to give out money as opposed 
to take it in so you want to be mindful of  

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that and always we are here to help if you have a 
scholarship that you're looking at that you're not  

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really sure if it's on the up and up and you would 
like a next set of eyes please don't hesitate to  

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contact us we'd be more than happy to look into 
that for you as well and kind of give you our  

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opinion um most the scholarship agencies that we 
work with again um are free so that's something to  

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to really consider when you're looking for 
scholarship opportunities external to uic  

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so now let's talk about self-help aid so self-help 
aid there are two major programs here uh one is a  

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federal work study program and this pay is funded 
primarily by the federal government for on-campus  

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jobs and you need to have that need factor 
that we talked about earlier that coa minus efc  

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equals need so that is one of the major um uh 
programs that we offer oops there we go okay  

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and the other air loans so loans um again are 
self-help but loans generally mean that you need  

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to pay back so they must be repaid in full and 
sometimes with interest after you leave school  

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so these can come from the federal government or 
private sources um the loans that we offer here on  

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your award notifications generally are going to 
be federal loans so let's talk a bit more about  

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federal loans so there are two major types of 
federal loans the first is a subsidized loan  

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so that is a need-based loan so you have to have 
that determined need as we talked about earlier no  

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interest will accrue on this loan while you're 
in school so it is what we call a subsidized  

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where the government actually subsidizes 
the interest for you while you're in school  

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so there's another type unsubsidized this is a 
non-need-based loan so you do not have to have any  

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demonstrated need to be considered for this type 
of loan both are federally backed they're both  

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through the direct loan program however on this 
loan interest does begin to accrue immediately  

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now the current interest rate for both loans is 
set at 3.73 and i will say um his one note um  

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currently because of the the covet pandemic um 
there is no interest currently occurring on loans  

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all loans have an interest rate of zero percent um 
however um that uh that provision is set to expire  

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on may 1st of 2022 so this upcoming may there is 
a lot of support um for the biden and expiration  

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to extend um to extend that beyond may 1st to 2022 
but we don't have that clarity right now so just  

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in the interest of full disclosure the interest 
rate is 3.73 percent but because of the cova  

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pandemic it is current it's actually zero um but 
if that extension is not um it's not approved um  

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uh from the zero percent where it currently is it 
will be 3.73 um on on both of those loans now both  

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loans are what we call deferred loans that means 
payments are not required while you are in school  

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now that doesn't mean you can't pay while you're 
in school if you choose to the government will  

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take your money they will allow you to pay there's 
no prepayment penalty it's not that if you begin  

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to pay your interest will begin to improve there's 
no prepayment penalty at all but you don't have to  

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repayment will begin however six months after 
you leave school and that could be if you leave  

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school for any other reason than graduation or if 
you graduate right so these are the annual loan  

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limits for unsubsidized and subsidized stafford 
loans and it's based on on your year in school

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so also with that in mind on top of subsidizing 
unsubsidized stafford loans the government does  

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also offer an option for parents to borrow 
from them for their undergraduate student  

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it's called the parent plus loan this is a 
separate application process where parents  

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would need to apply because it is based 
on credits so there is a credit decision  

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if you choose to uh to apply for a plus loan for 
your student the current fixed interest rate is  

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six point two eight percent on that loan again 
kind of the same disclosure as before they're  

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currently set to zero percent we hope it gets 
extended um if it doesn't this is the actual  

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uh currently set interest rate that's currently 
at zero percent because of the covet pandemic  

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now the difference between this loan and the 
other two loans i just spoke about is the parent  

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is actually responsible for a payment on this but 
similar to subsidized unsubsidized loans repayment  

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can still be deferred while your student is still 
in school and again this is contingent upon credit  

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okay so those are the major aid programs so 
now let's talk about the financial aid award  

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notification which is where you're going to see 
all the eight programs that you are eligible to  

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receive for attending uic so we primarily provide 
an award notification that looks very much like  

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this so let's break it down so this is what if 
you access your award notification electronically  

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this is what you will see not necessarily 
in this format but we broke it down so you  

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can read it a little easily so um the first 
thing you're going to want to take a look at  

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on your award notification is what we call the 
cost of attendance what we talked about before  

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we do separate this out from direct costs and 
indirect costs so the direct costs are going to be  

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what we call the costs charged by the university 
now this is based upon determining what you're  

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entering so follow 22 and also can be determined 
based on the major that you're in um some majors  

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here at uic will have what's called a differential 
which is a little extra tuition charge because of  

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uh the nature of that particular program we also 
include in here your mandatory fees so these are  

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the fees that are assessed to the university uh 
one thing to note this does include campus care  

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insurance now talk a little bit more 
about campus care in a little bit  

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but campus care is automatically charged to all 
incoming students but you can wait out of it  

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i will note oh well this also does not include 
currently the upax we put that into indirect  

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costs um the upass we're still kind of 
determining whether or not that's going  

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to be directly assessed to you or if you can opt 
into it so there'll be more to come from from us  

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on that um as we get closer to the beginning of 
the fall semester but we do account for the upass  

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in your cost of attendance it is definitely 
there um so again so that's your direct cost  

00:16:03.520 --> 00:16:07.280
of the university so the next box here 
is what we call your indirect cost again  

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those are the variable expenses so those are the 
expenses that we're not certain of but we know  

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you're going to have now we do look at a lot 
of data when we put this together we look at  

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the average cost of housing in the city of chicago 
we look at transportation expenses we also look at  

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personal expenses in terms of you know the average 
cost of dry cleaning um the toiletries things of  

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that nature so that's so while they are variable 
um we do take a look and we do a general survey  

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every year to determine do those costs make sense 
for your student to live in the city of chicago  

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so after you look at the cost of attendance 
probably the next most important part if not the  

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most important part is your financial aid summary 
and this is the information of the aid that you  

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are offered by uic now please note this is the 
aid that you are offered at uic so this is where  

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you would want to compare this to other aid 
that you're offered from other institutions  

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some aid you're going to see the same 
no matter what institution you go to  

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in particular the federal pell grant that grant 
is based specifically on your expected family  

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contribution and that will be the same 
at each institution to which you apply  

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now if you are in the state of illinois and you 
are eligible for the map grant that is specific  

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to illinois schools so if you're applying to 
a school that is not in the state of illinois  

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the map grant would not be applicable there the 
uic opportunity grant listed here and the pap the  

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president's award program those are institutional 
based programs and also we always offer loans to  

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those who are eligible as you can see here we've 
offered the subsidized loan and the unsubsidized  

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loan in this example so there are several criteria 
that affect your financial aid the grade level um  

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definitely impacts the amount of loans that you're 
going to be borrowed the credits that you intend  

00:17:51.840 --> 00:17:56.960
to enroll will impact your grant eligibility and 
again that expected family contribution where you  

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will file that and find that information 
is in what we call the student profile  

00:18:00.800 --> 00:18:04.640
so you want to take a look at your student profile 
on your notification to make sure all that makes  

00:18:04.640 --> 00:18:10.720
sense to you the one thing to note is your 
housing we automatically budget all students  

00:18:10.720 --> 00:18:17.120
at uic as not living with your parents um we do 
that for a number of reasons um if you decide to  

00:18:17.120 --> 00:18:21.680
live with your parents that's okay there's no 
need for you to notify us of that okay there's  

00:18:21.680 --> 00:18:25.760
that's that's not a requirement for you to say 
wait i do plan to live with my parents it's  

00:18:25.760 --> 00:18:31.120
absolutely fine no need for you to notify us 
if you plan if you set on your fafsa i plan to  

00:18:31.120 --> 00:18:35.840
live off campus but now i think i want to live in 
the dorms do you want also do not need to notify  

00:18:35.840 --> 00:18:40.320
us of that our residence halls do communicate 
to our office so we will know if you have an  

00:18:40.320 --> 00:18:46.240
application on file so no need for you to notice 
to live on campus i'm sorry was there a question

00:18:49.440 --> 00:18:54.400
okay um uh we can take questions at the end if 
that's okay for everybody i see there's already  

00:18:54.400 --> 00:18:59.120
a few questions and so um we'll get to those 
at the end and then also we will have breakout  

00:18:59.120 --> 00:19:02.320
sessions with financial aid administrators so 
you can speak with us one-on-one for your own  

00:19:02.320 --> 00:19:09.200
specific circumstances so so again so this is the 
criteria under which the student profile all right  

00:19:09.200 --> 00:19:15.440
so financial aid summary so here is where you 
will see both gift aid and self help aid if you  

00:19:15.440 --> 00:19:22.400
do not need your self-help aid that is okay just 
because we have awarded you with loans you do not  

00:19:22.400 --> 00:19:28.080
need to accept them but i will say gift aid we 
automatically accept for you so there's nothing  

00:19:28.080 --> 00:19:33.520
else you need to do to accept your federal pell 
grant state grant or any other type of gift date  

00:19:33.520 --> 00:19:38.000
we automatically assume you're going to want your 
free money so there's nothing else you need to do  

00:19:38.000 --> 00:19:42.480
to accept that whereas loans that is a different 
story and the same with federal work study  

00:19:44.160 --> 00:19:47.600
so again this is where you will 
see um kind of how we break down  

00:19:48.320 --> 00:19:51.760
the for the steps in terms of identifying your 
costs so the first thing you're going to want to  

00:19:51.760 --> 00:19:57.200
do is you're going to want to identify your oops 
i moved a little further ahead let's go back there  

00:19:57.200 --> 00:20:01.440
you want to identify your direct cost to 
university from there you're going to take a  

00:20:01.440 --> 00:20:07.600
look at what kind of gift date or the free money 
that you're going to get so in this scenario  

00:20:07.600 --> 00:20:13.840
this is how you determine how much you need to 
pay your direct cost uic and in this scenario  

00:20:13.840 --> 00:20:20.320
this particular student is receiving more 
gift aid than their actual direct costs at uic  

00:20:20.320 --> 00:20:25.680
and just so you know we would not reduce your gift 
date in this scenario we assume that you're going  

00:20:25.680 --> 00:20:30.320
to need that because as we showed before you 
have all those indirect costs right you have  

00:20:30.320 --> 00:20:34.880
potentially rent that you're going to need to pay 
or you are helping your parents with that month's  

00:20:34.880 --> 00:20:39.840
cable bill and so you're going to need help to 
support your family or yourself um above and  

00:20:39.840 --> 00:20:45.680
beyond your direct cost so in this scenario this 
student is going to expect to receive about 5800  

00:20:45.680 --> 00:20:51.520
from uic for the fall and spring semester to 
assist them with their additional living costs  

00:20:51.520 --> 00:20:57.440
so again just because you're receiving gift aid 
in excess of your direct costs at uic we will that  

00:20:57.440 --> 00:21:02.960
does not mean we will reduce your gift aid only to 
your direct cost now there are some programs that  

00:21:02.960 --> 00:21:08.080
are specific to tuition and fees but generally 
speaking we will notify you if that is the case  

00:21:09.680 --> 00:21:14.080
so again at this point now you've made that 
determination the next thing you want to look  

00:21:14.080 --> 00:21:19.120
at is do you need other additional resources 
and that's where you want to look at your loan  

00:21:19.120 --> 00:21:24.880
eligibility we also and again as i mentioned we 
will always have this offered for you until you  

00:21:24.880 --> 00:21:31.360
tell us otherwise nothing happens here so do 
not worry about seeing these loans at offered  

00:21:31.360 --> 00:21:36.320
we do not pay the loan without your consent we 
do not let the we do not even tell the federal  

00:21:36.320 --> 00:21:40.880
government that you're eligible for it until 
you let us know you want it this is only an  

00:21:40.880 --> 00:21:47.520
offer so it doesn't become real until you actually 
accept the loan and then complete two other steps  

00:21:47.520 --> 00:21:53.840
that we'll talk about in just a minute okay 
so here's some commonly asked questions why  

00:21:53.840 --> 00:21:57.760
haven't i received my financial identification 
so let's talk about what that could be the case  

00:21:57.760 --> 00:22:02.880
so i want to familiarize yourself with you with 
a student portal so the uic student portal is  

00:22:02.880 --> 00:22:09.440
myuic.edu this is where you will find the central 
repository for all of your financial information  

00:22:10.080 --> 00:22:15.760
so there's one takeaway from tonight i hope it's 
this is the student portal is your friend it  

00:22:15.760 --> 00:22:20.880
is where all of your information is stored it's 
also where we communicate with you so if we need  

00:22:20.880 --> 00:22:25.360
anything from you or if you need something 
from us this is where you can communicate  

00:22:25.360 --> 00:22:30.960
that information and we can also communicate back 
to you so again you want to log in the portal and  

00:22:30.960 --> 00:22:36.640
you want to click on the financial aid tab and 
student requirements i want to highlight this  

00:22:36.640 --> 00:22:41.280
section because generally speaking if you have 
not received your award notification from us  

00:22:41.840 --> 00:22:45.360
it's because we need something 
there's something that we have to do  

00:22:45.360 --> 00:22:50.720
or some information that we need from you before 
we can process your financial aid in some cases  

00:22:50.720 --> 00:22:55.040
there was something on the fafsa that the 
government says we'd like you to confirm that  

00:22:55.040 --> 00:23:00.480
that happens a lot of times and that's where we 
communicate hey could you please provide this data  

00:23:00.480 --> 00:23:05.280
and once you provide that to you we'd be able 
to get an award notification for you so again  

00:23:05.280 --> 00:23:10.240
if you have not received your awarded vacation 
you think you should have please go to the portal  

00:23:10.240 --> 00:23:14.960
and check this tab so this is what you'll 
see so here's a good case in point you will  

00:23:14.960 --> 00:23:20.160
see a document here and you see this particular 
document highlighted in blue in this case it's  

00:23:20.160 --> 00:23:24.000
the dependent verification worksheet talk about 
verification just a minute what that actually  

00:23:24.000 --> 00:23:28.720
means and you'll see the status as required if 
there's something here that stated as required  

00:23:29.360 --> 00:23:34.080
generally speaking it means you got to give it to 
us in order for us to process your financial aid  

00:23:34.080 --> 00:23:38.400
so that tab is really important so so for 
that question for some reason you haven't  

00:23:38.400 --> 00:23:42.880
gotten your word notification please go 
to your portal and check that tab to see  

00:23:42.880 --> 00:23:46.880
if there's missing information and that's why 
we haven't been able to provide that for you  

00:23:48.640 --> 00:23:54.400
okay so let's talk about verification so 
verification is a process required by the federal  

00:23:54.400 --> 00:24:00.160
government um and it only applies to fafsa it does 
not yet apply to the alternative application for  

00:24:00.160 --> 00:24:05.520
illinois aid so not yet but we're hearing terms 
that it might in the future so i'm not saying  

00:24:05.520 --> 00:24:09.840
it's never going to be there but right now it's 
not so right now this only applies for the fafsa  

00:24:09.840 --> 00:24:15.920
so approximately 35 to 40 of our applications here 
at uic are selected for this process and it is a  

00:24:15.920 --> 00:24:20.880
random selection it is not our selection it is 
the department of education selection so this  

00:24:20.880 --> 00:24:26.080
is another thing to keep in mind if you're 
selected here at uic there's a 90 chance  

00:24:26.080 --> 00:24:30.880
that you will be selected at each university 
that you are applying to so keep that in mind  

00:24:30.880 --> 00:24:36.560
the verification it's not a uic thing it's a fafsa 
thing so it's determined based on your fafsa and  

00:24:36.560 --> 00:24:41.120
again it's a random selection by the department 
of education we don't really get a say in it but  

00:24:41.760 --> 00:24:45.840
we are required to do it in order to offer you 
financial aid and essentially what it's doing  

00:24:45.840 --> 00:24:51.120
is just confirming the accuracy of the information 
on the fafsa and again it is mandatory so we don't  

00:24:51.120 --> 00:24:56.640
have a choice here in financial aid believe 
me if we did we would not we would not put  

00:24:56.640 --> 00:25:02.160
you through it um but it is mandatory for us it 
can take several weeks to process just because  

00:25:02.160 --> 00:25:07.600
of the volume of applications that we we do have 
that are selected here at uic as well as um the  

00:25:07.600 --> 00:25:12.080
number of items on the fast that we're required 
to check so so just please keep that in mind so if  

00:25:12.080 --> 00:25:17.280
you're selected it will show on the student portal 
similar to the last screen that we just looked at  

00:25:18.640 --> 00:25:23.040
okay so this is what your award notification 
looks like in full so when you go to the portal  

00:25:23.040 --> 00:25:27.040
this is what it all looks like so again earlier 
in the presentation we kind of broke it down  

00:25:27.040 --> 00:25:31.120
but this is what your note notification looks 
like so you've got your cost of attendance up  

00:25:31.120 --> 00:25:34.880
in the upper left hand side your student 
profile and then at the very bottom you have  

00:25:34.880 --> 00:25:41.840
your aid summary broken out with gift date 
on top and self have made right below that

00:25:42.800 --> 00:25:47.120
okay one more thing i want to talk about you'll 
notice in the loans we did not put in there the  

00:25:47.120 --> 00:25:51.040
parent plus that is why we put the parent we 
that this is where we put the parent plus so  

00:25:51.040 --> 00:25:55.520
the parent plus is actually in the text below 
and we do that because it's truly optional um  

00:25:55.520 --> 00:26:00.080
it's up to you it's not a student award it is a 
parent award so that's why we include down here  

00:26:00.080 --> 00:26:04.800
but we do calculate for all of our dependent 
students who are eligible for a parent plus loan  

00:26:04.800 --> 00:26:09.280
how much you have to borrow or have access to 
borrow that doesn't mean you have to borrow  

00:26:09.280 --> 00:26:13.280
that amount doesn't mean you have to borrow 
it at all it just means that it's there for  

00:26:13.280 --> 00:26:18.320
your information if you choose to seek that 
option to finance your students education here  

00:26:20.320 --> 00:26:27.120
okay so changes to your fafsa so here's the thing 
the 2223 fafsa information it's based on 2022  

00:26:27.120 --> 00:26:34.320
which i'm sorry 2020 information and as i'm sure 
we are all pretty much aware the last few years  

00:26:34.320 --> 00:26:40.560
have been pretty crazy uh for most of us so um 
because of that you can make changes to your fafsa  

00:26:40.560 --> 00:26:45.680
application however to do so you need to work 
with us it's what we call a change of financial  

00:26:45.680 --> 00:26:51.920
situation appeal so again this is how we have the 
means to update the financial information that you  

00:26:51.920 --> 00:26:58.880
provided in 2020 to your current circumstances so 
what you can anticipate for the 2022 tax year so  

00:26:58.880 --> 00:27:04.160
um so we will work with you on that if you do have 
a change of financial situation please check this  

00:27:04.160 --> 00:27:10.320
webs link here um it provides a lot of detail 
on it we also include this link on every single  

00:27:10.320 --> 00:27:15.520
award notification so it is in the text boxes 
of every award notification that you receive as  

00:27:15.520 --> 00:27:20.320
a link to this site as well so that you can let 
us know and work with us if you've had changes to  

00:27:20.320 --> 00:27:27.680
your financial situation from 2020 to now and we 
know a lot of families are in that circumstance so  

00:27:27.680 --> 00:27:34.400
um some quick tips for you if you um are selected 
for verification and we need your tax returns one  

00:27:34.400 --> 00:27:39.840
quick way to do that is to go into the fafsa and 
use the irs data retrieval tool so it's an option  

00:27:39.840 --> 00:27:43.360
for you if you haven't already done that and 
you're selected for verification we recommend you  

00:27:43.360 --> 00:27:49.200
do that it speeds up the process greatly so it'll 
make it a much easier process for you because then  

00:27:49.200 --> 00:27:54.400
we can just take your tax data and it saves a 
lot of time with providing the tax materials  

00:27:54.400 --> 00:27:59.120
to us and us going through that line by line to 
determine if the information is in fact accurate

00:28:01.440 --> 00:28:06.960
okay so let's talk about next steps so next steps 
from here first thing first thing you want to do  

00:28:06.960 --> 00:28:12.000
when you get off the call oh and i jump jump jump 
the line again here is you want to review your  

00:28:12.000 --> 00:28:18.400
financial aid notification and again if you can't 
access that check those student requirements and  

00:28:18.400 --> 00:28:24.880
submit any remaining documentation you can as soon 
as possible so again as we talked about uh before  

00:28:24.880 --> 00:28:29.600
grants and scholarships there's no acceptance 
required from you they automatically are accepted  

00:28:29.600 --> 00:28:35.840
however if you do wish to determine in june of 
2020 that is when you will be able to go online  

00:28:36.400 --> 00:28:41.280
through your financial aid award notification 
and accept your loans you can also at that point  

00:28:41.280 --> 00:28:46.240
complete your master promissory note and your 
entrance counseling those are federal requirements  

00:28:46.240 --> 00:28:52.160
um so in order for us to pay your loan that you've 
accepted you would have to complete those steps as  

00:28:52.160 --> 00:28:56.720
well so those processes you can you can win master 
promissory note now you can also complete your  

00:28:56.720 --> 00:29:02.000
entrance counseling now but your loans you cannot 
actually accept those at uic until june of 2020.

00:29:05.120 --> 00:29:10.320
okay um and so let's talk about billing and what 
you can expect there so another thing that's  

00:29:10.320 --> 00:29:15.120
important we kind of talked about this a little 
bit in in this class of tenants section is you  

00:29:15.120 --> 00:29:18.880
want to determine your health insurance if you 
will need campus care or if you have insurance  

00:29:18.880 --> 00:29:24.080
outside of uic if you have insurance outside of 
uic you definitely want to check the campus care  

00:29:24.080 --> 00:29:28.640
website because there are specific deadlines 
in terms of when you can and cannot waive  

00:29:28.640 --> 00:29:33.520
that particular fee if you missed a deadline you 
could be subject to a rather large fee that you  

00:29:33.520 --> 00:29:40.160
might not need also the first bill that you will 
accept from uic is august 1st that's generally  

00:29:40.160 --> 00:29:45.120
when we issue our first what we call assessment 
or billing statement your bill is not due on  

00:29:45.120 --> 00:29:50.400
august 1st the bills are not due until the end of 
september september 28th so that gives you about  

00:29:50.400 --> 00:29:56.800
two months to figure out how you can come cover um 
those charges that you see on um on your billing  

00:29:56.800 --> 00:30:01.840
statement that you would receive on august 1st 
note financially we pay 10 days before the start  

00:30:01.840 --> 00:30:07.200
of the semester however if all of your financial 
aid is resolved and we can pay that for you we  

00:30:07.200 --> 00:30:12.480
will have that for you on your statement you will 
see that as um estimated or authorized financial  

00:30:12.480 --> 00:30:17.680
aid on august 1st so that that will be there um 
on that august 1st statement it won't actually pay  

00:30:17.680 --> 00:30:21.840
until 10 days before the start of the semester 
but you will be able to see that on that first  

00:30:21.840 --> 00:30:27.360
assessment and again the key takeaway however is 
your bill is still not due until september 28th

00:30:29.680 --> 00:30:33.600
okay so other next steps to keep in mind so i 
want to point out the ferpa which is the family  

00:30:33.600 --> 00:30:39.120
education privacy act so for those parents 
um on the on the call today on the zoom today  

00:30:39.120 --> 00:30:44.320
um we in the financial aid office and pretty 
much anywhere at uic we cannot actually speak  

00:30:44.320 --> 00:30:50.800
to you about your son or daughter or child's 
financial aid information without their consent  

00:30:50.800 --> 00:30:57.120
um once they are here their information is 
protected however your student can file a release  

00:30:57.120 --> 00:31:02.720
a ferpa release um it is not required so for the 
students on the call please note we're not you're  

00:31:02.720 --> 00:31:06.320
not required to file for it before your parent 
it is entirely up to you but that's something  

00:31:06.320 --> 00:31:11.440
you probably want to discuss um before you come 
to campus so that we if you do want your parents  

00:31:11.440 --> 00:31:15.040
having your access to your information assisting 
you through the process you definitely want to  

00:31:15.040 --> 00:31:18.080
make sure that that's filed if you're okay 
to take care of everything on your own  

00:31:18.080 --> 00:31:23.120
that's absolutely okay um but just please 
note that and we would recommend that um you  

00:31:23.120 --> 00:31:27.520
would this is the next step as well if you do 
want to have a ferpa release that you get that  

00:31:27.520 --> 00:31:34.160
filed as soon as possible with our registrar's 
office okay so contacting us the financial aid  

00:31:34.160 --> 00:31:39.520
office this is our link to the contact us page 
um we have financial aid professionals on site  

00:31:39.520 --> 00:31:44.400
um as well as remote to assist you we are open 
in the student services building on campus  

00:31:45.360 --> 00:31:50.400
30 to 5 pm every monday through friday the 
people at our front desk are financially  

00:31:50.400 --> 00:31:54.960
counselors so they are fully trained financially 
counselors able to assist you with any question  

00:31:54.960 --> 00:32:00.800
you might have on a walk-in basis i can tell you 
we have been for obvious reasons relatively quiet  

00:32:01.360 --> 00:32:06.080
when it comes to walk-in traffic so if you walk 
in your wait time i guarantee you is going to be  

00:32:06.080 --> 00:32:10.800
very very short um if you want to speak with 
somebody so again we are open but we also  

00:32:10.800 --> 00:32:15.120
um can do assist and zoom appointments and 
we can also do in-person appointments as well  

00:32:15.120 --> 00:32:18.880
if you'd prefer a more confidential 
environment you just want to reach out  

00:32:18.880 --> 00:32:24.640
to um to your assigned college mailbox and then 
we will set you up with a counselor to work with  

00:32:26.160 --> 00:32:34.560
okay so with this set we will do uh questions we 
have time for about oh i'd say about five minutes  

00:32:34.560 --> 00:32:39.280
of questions if that's okay with you beatrice and 
maria from admissions and then we do have break  

00:32:39.280 --> 00:32:45.360
it runs with financial aid professionals myself 
included so if we don't get to your question um  

00:32:45.360 --> 00:32:49.920
we will you will be able to to meet with a 
professional now again um we do meet with  

00:32:49.920 --> 00:32:56.160
people individually so i do apologize for the wait 
um if you do have to wait to speak with somebody  

00:32:56.160 --> 00:33:00.400
we will be here as long as you need us 
to be here and again if for some reason  

00:33:00.400 --> 00:33:05.840
um you can't wait or if you feel more comfortable 
coming in and speaking to us in person please do  

00:33:05.840 --> 00:33:11.920
again we're opening three to five corner of racine 
harrison student services building room 1800  

00:33:13.200 --> 00:33:15.680
all right so let's start with the questions

00:33:23.280 --> 00:33:28.640
okay uh first question do we need to apply for 
the map grant or is that grant to determine  

00:33:28.640 --> 00:33:32.800
when we file the fafsa you do not need 
a separate application for the map grant  

00:33:32.800 --> 00:33:38.720
the map grant is um is based off of the fafsa or 
if you're ineligible to file the fafsa it is based  

00:33:38.720 --> 00:33:44.240
off of the alternative application for illinois 
aid so there is no additional application for the  

00:33:44.240 --> 00:33:50.240
illinois map grant okay next question since 
international students can't file the fafsa  

00:33:50.240 --> 00:33:54.560
what aid can be given to international students 
that's an excellent question generally speaking  

00:33:54.560 --> 00:33:58.880
for international students most the aid that 
international students can be considered for is  

00:33:58.880 --> 00:34:04.720
what we call restricted aids that's aid that goes 
towards tuition and fees now most international  

00:34:04.720 --> 00:34:09.920
students are funded specifically either through 
their college or through outside scholarships  

00:34:09.920 --> 00:34:14.960
or through investment through their home country 
so unfortunately we don't process a lot of  

00:34:14.960 --> 00:34:19.280
financially for international students in this 
office because of the ineligibility for fafsa or  

00:34:19.280 --> 00:34:23.360
the alternative application but i would recommend 
you reaching out to your college the college that  

00:34:23.360 --> 00:34:27.040
you've been admitted to to see if they have 
any other resources for international students

00:34:29.600 --> 00:34:34.000
okay there are only student loans 
currently showing on my financial aid  

00:34:34.000 --> 00:34:40.480
portal why is that okay so generally what you 
want to look at is if you're only seeing loans  

00:34:40.480 --> 00:34:45.760
you want to take a look at that efc 
number so grants are based on that number  

00:34:45.760 --> 00:34:52.880
and generally speaking if your efc is above 9000 
if that calculates above 9000 generally you will  

00:34:52.880 --> 00:34:57.600
not be eligible for grant aid so that's what that 
means however if you have specific questions on  

00:34:57.600 --> 00:35:03.680
your particular circumstance i'd encourage you 
to wait um on the line and come and meet with us  

00:35:03.680 --> 00:35:07.680
um after after our general session and we 
can walk through your specific information

00:35:10.000 --> 00:35:15.040
oh one other thing i forgot to plug we will also 
be here saturday so we will be open saturday if  

00:35:15.040 --> 00:35:18.880
you're coming for ignite which i hope some 
of you might be coming coming to see us in  

00:35:18.880 --> 00:35:23.360
person here on campus our office will be open 
we'll have a satellite location in the library  

00:35:23.360 --> 00:35:28.160
and our office and ssb will also be open financial 
aid counselors will be here to see you and we can  

00:35:28.160 --> 00:35:33.440
take one-on-one walk-in appointments during that 
time too all right next question how do we find  

00:35:33.440 --> 00:35:37.680
out our direct cost of tuition housing it's 
on that award notification so if you go to the  

00:35:37.680 --> 00:35:43.280
award notification you will see your direct cost 
for your tuition and and your mandatory fees now  

00:35:43.280 --> 00:35:48.480
for housing see housing is a little different so 
housing we have various types of residence halls  

00:35:48.480 --> 00:35:52.880
here at uic so we estimate the amount that we 
think you're going to need for university housing  

00:35:52.880 --> 00:35:57.040
if you plan to live here for specific information 
on housing we recommend that you actually go  

00:35:57.040 --> 00:36:01.040
to the resident hall website itself and that 
will give you the detailed housing breakdown

00:36:03.280 --> 00:36:10.320
all right um next question do you does uic offer 
scholarships to cover full tuition something like  

00:36:10.320 --> 00:36:15.920
the chancellor's scholarship yes in fact um we 
do have some programs that offer full tuition  

00:36:15.920 --> 00:36:21.120
um however most of our scholarships are what we 
call stacked so they they they're not restricted  

00:36:21.120 --> 00:36:25.680
if that makes sense so there are some programs 
that say you can only pay for tuition you can only  

00:36:25.680 --> 00:36:31.040
pay for fees or you can only pay for housing some 
of our scholarships function that way but some of  

00:36:31.040 --> 00:36:36.000
our scholarships don't some of our scholarships 
can cover any component in your cost of attendance  

00:36:36.000 --> 00:36:41.600
so it's not specific just to tuition so 
so we do offer a plethora of scholarships  

00:36:41.600 --> 00:36:45.680
you would see some of those already noted on 
your award notification um and again if you have  

00:36:45.680 --> 00:36:49.200
questions about your specific award notification 
just let us know and we can help you with that  

00:36:50.160 --> 00:36:53.840
okay i'll do two more questions and 
then we will go to our breakout sessions  

00:36:54.640 --> 00:36:58.960
okay how can i take out parts of the cost 
of attendance for example transportation is  

00:36:58.960 --> 00:37:05.600
something i'm beginning very simple just subtract 
it so if we include 4 500 in transportation just  

00:37:05.600 --> 00:37:09.520
subtract that from your overall cost of attendance 
and then you don't have to worry about that cost

00:37:11.920 --> 00:37:20.240
and next um okay how do i change the housing 
setting in the portal okay so we talked about  

00:37:20.240 --> 00:37:25.680
this a little bit um you do not need to contact 
us if you're changing your housing plans again  

00:37:25.680 --> 00:37:30.480
we budget all students assuming that you're not 
living with your parents if you opt to live with  

00:37:30.480 --> 00:37:36.240
your parents it's absolutely fine um we just um we 
just don't need to know so again kind of like we  

00:37:36.240 --> 00:37:41.040
talked about with the transportation cost if that 
cost doesn't apply to you just subtract it out  

00:37:41.040 --> 00:37:44.800
just take that out of your cost of attendance and 
you don't need to worry about it again you're not  

00:37:44.800 --> 00:37:49.040
going to be charged for anything like that so the 
indirect costs that's not something you're going  

00:37:49.040 --> 00:37:52.960
to see on your bill okay so don't be concerned 
about those indirect costs that's not something  

00:37:52.960 --> 00:37:57.520
you're going to be charged for so all you would 
need to do similar to transportation just take  

00:37:57.520 --> 00:38:01.360
that out if you don't need it similar to housing 
costs if you're going to be living at home with  

00:38:01.360 --> 00:38:06.240
your family that's absolutely fine just subtract 
that as well and you can keep shipping away  

00:38:07.600 --> 00:38:13.760
okay we are approaching 5 45 um and so i 
think that is time for our breakout rooms  

00:38:13.760 --> 00:38:20.720
maria / beatrice if you could pop on in 
that would be great to provide those breakouts  

00:38:21.760 --> 00:38:27.440
yes so we are ready to transition over to the 
breakout rooms if you would like to speak with  

00:38:27.440 --> 00:38:32.640
representatives from the financial aid office 
admissions the transfer assistance center or  

00:38:32.640 --> 00:38:38.960
campus housing you can go ahead and join the 
zoom link that i've just posted in the chat

00:38:41.440 --> 00:38:45.840
okay thanks everybody and i'll 
see you in those breakouts