Undergraduate

Grants & Scholarships

Need-Based Grants

The university considers all full-time students in the Undergraduate College who submit a Free Application for Federal Student Aid (FAFSA) for the following need-based funds:

St. Edward's University Grants
St. 根据大学的联邦学生援助免费申请(FAFSA)，有经济需要的学生可以获得爱德华大学的助学金 priority deadline date.  Post-Baccalaurate students are not eligible.  Each year, the university provides a significant volume of grants to offset costs. 

Texas Tuition Equalization Grant (TEG)
这项基于需求的助学金提供给德克萨斯州居民的符合条件的全日制本科学生. Students who receive athletic scholarships are not eligible to receive TEG assistance.  Funding is limited and is based on state allocation.   Post-Baccalaurate students are not eligible.

Federal Pell Grant
Federal Pell Grants are offered by the U.S. Department of Education to undergraduate students with exceptional need. Eligibility for this grant is determined by the U.S. Department of Education when the student completes the Free Application for Federal Student Aid (FAFSA®).   The U.S. Department of Education has a standard formula that it uses to evaluate. The formula used was created by Congress from criteria submitted through the FAFSA form. The formula produces a number that is called the Expected Family Contribution (EFC), which determines the student's eligibility for the Federal Pell Grant.  In 2024-25 Student Aid Index will replace EFC.  An undergraduate student must be pursuing a first bachelor's degree, be a United States citizen, or be an eligible non-citizen (usually, a permanent resident).  Students must renew the FAFSA annually and continue to be identified by U.S. Department of Education as Pell-eligible.  Post-Baccalaurate students are not eligible.

Federal Supplemental Opportunity Grant (SEOG)
这项联邦助学金以需求为基础，提供给获得最高佩尔助学金的符合条件的全日制本科生，数量有限.  Post-Baccalaurate students are not eligible.

大学和州助学金以及大学奖学金向符合条件的大一学生提供最多四年(8个学期)的全日制入学，向符合条件的转学学生提供最多三年(6个学期)的全日制入学.  例外情况:课程最后一个学期即将毕业的高年级学生，以及通过签证申请获得修改身份的学生 Office of Student Disability Services. 

Specialty Scholarships

• Athletic

St. 爱德华大学参加孤星会议，是NCAA第二分部的成员. Scholarships are provided for a variety of sports.  Contact coaches by calling the St. Edward's Athletic Department at 512-448-8480.  Visit gohilltoppers.com to learn more. 

• Theater Scholarship

A Theater Scholar receives a scholarship annually for up to four years. 学生必须主修戏剧艺术才有资格，并且必须保持至少累计2分.5 GPA.

Criteria: Students are selected based on their demonstrated talent in one of four areas:

• Acting
• Directing
• Theater Management
• Technical design and direction

Application and Deadline 
Auditions for these scholarships are held at St. Edward's in late February or early March. If you're interested, make sure you apply for admission first. Email an admission counselor if you have questions about auditions.

• ROTC

St. 爱德华大学的学生有机会通过德克萨斯大学奥斯汀分校参加空军和陆军后备军官训练队. Each ROTC program offers numerous scholarship opportunities.  Learn more through Veterans Affairs.

Post-Bacc Financial Aid 

When completing the Free Application for Federal Student Aid (FAFSA) be sure to list your year in college as 5th year/other undergraduate.

As a student seeking your second bachelor’s degree, you may be eligible to receive Federal Direct Loans. 我们不能为本科后学生提供机构助学金或联邦助学金(如佩尔助学金或SEOG)。. You have the same yearly and aggregate loan maximums as other undergraduates. If you are considered a dependent student, your parent may also apply for the Parent PLUS loan on your behalf. 

Outside Scholarship Opportunities

Learn more about Outside Scholarship Opportunities (scholarship funding outside of St. Edward's) here.  

Education Loans

我们的许多家庭使用教育贷款来帮助支付学生的教育费用，而不是使用利息更高的信用卡或短期付款计划.  The federal loan programs, in particular, provide easy eligibility criteria, deferment of payments while enrolled, extended repayment periods, flexible repayment options, and low, fixed interest rates.

Federal Direct Student Loans

The Department of Education provides federal direct student loans for degree-seeking undergraduate students. These non-credit-based loans feature low, fixed interest rates, as well as deferment of payment during periods of at least half-time enrollment. 需要提交FAFSA(联邦学生援助免费申请)来证明学生有资格参加该计划.

学生每年可借贷的金额主要取决于学生的年级水平:

Dependent Undergraduates*	Amount Students Can Borrow Annually
Freshman (0 to 29 earned hours)	$5,500-No more than $3,500 of this amount may be in subsidized loans.
Sophomore (30 to 59 earned hours)	$6,500-No more than $4,500 of this amount may be in subsidized loans.
Junior (60 to 89 earned hours)	$7,500 per year-No more than $5,500 of this amount may be in subsidized loans.
Senior (90+ earned hours)	$7,500 per year-No more than $5,500 of this amount may be in subsidized loans.

独立本科生和父母无法获得PLUS贷款的受抚养本科生*	Amount Students Can Borrow Annually
Freshmen (0 to 29 earned hours)	$9,500-No more than $3,500 of this amount may be in subsidized loans.
Sophomore (30 to 59 earned hours)	$10,500-No more than $4,500 of this amount may be in subsidized loans.
Junior (60 to 89 earned hours)	$12,500-No more than $5,500 of this amount may be in subsidized loans.
Senior (90+ earned hours)	$12,500-No more than $5,500 of this amount may be in subsidized loans.

*Dependency status for federal financial aid purposes is determined by criteria set by law, and typically involves a student's age, marital status or degree program (bachelor's vs master's). If you were required to include parent information on your FAFSA, then you are considered a dependent student.

Subsidized vs Unsubsidized Direct Loans
一些学生可能有资格获得补贴的联邦直接学生贷款，教育部将在该学生至少在学校注册一半的时间内支付贷款的利息. 补贴贷款是根据学生的FAFSA结果与学校的出勤费用确定的经济需求发放的. Because need-based eligibility is largely tied to income, not all students qualify for a subsidized loan. However, these students can still borrow a comparable amount of loan through the unsubsidized program.

Aggregate Loan Limit 

Dependent Students (except students whose parents are unable to obtain PLUS Loans) $31,000-No more than $23,000 of this amount may be in subsidized loans.

独立学生(以及父母无法获得PLUS贷款的受抚养本科生)57美元,500 for undergraduates-No more than $23,000 of this amount may be in subsidized loans.

Federal Direct Loan Interest Rates for 2024-2025

Interest Rates for Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans First disbursed on or after July 1, 2024 and before July 1, 2025.

截至2024年5月，财政部举行了10年期国债拍卖，直接补贴贷款的利率低于此, Direct Unsubsidized Loans, and Direct PLUS Loans first disbursed on or after July 1, 2024 and before July 1, 2025.

Direct Subsidized Loans and Direct Unsubsidized Loans for Undergraduate Students 6.533%

Understand how interest is calculated and what fees are associated with your federal student loan.

Federal Direct Parent PLUS Loan

The Department of Education also provides an additional credit-based loan opportunity for parents 对于受抚养的本科生，他们可以借到学生的全部学费减去其他资助. 付款通常在贷款资金全部支付给大学后30至60天开始, 虽然延期条款适用于至少在攻读学位课程中注册了一半时间的学生.

Completion of the Free Application for Federal Student Aid, 联邦直接PLUS贷款期票和贷款申请表是申请过程中必需的部分. Learn more and apply through Federal Student Aid.

Federal Direct Parent Plus loan Interest Rates for 2024-2025

Interest Rates for Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans First disbursed on or after July 1, 2024 and before July 1, 2025

截至2024年5月，财政部举行了10年期国债拍卖，直接补贴贷款的利率低于此, Direct Unsubsidized Loans, and Direct PLUS Loans first disbursed on or after July 1, 2024 and before July 1, 2025.

Direct PLUS Loans for Parent of Dependent Undergraduate Student Interest Rate  9.083%

Understand how interest is calculated and what fees are associated with your federal student loan. 

Understanding Loan Repayment

A student that has borrowed a federal loan is required to complete exit counseling when you leave school or drop below half-time enrollment. 退出咨询的目的是确保你了解你的学生贷款义务，并准备偿还

Learn more about make payments, change repayment plans, explore options, and get help at the Deportment of Education Student Financial Aid website. 

How to Avoid Student Loan Forgiveness Scams

If the emails, phone calls, 你收到的关于学生贷款减免的短信会触发你的骗局感应器, we’ve got you covered. Learn more about the most common student loan forgiveness scams and how to avoid them. Visit Federal Student Aid.

Private Education Loans

记住，联邦学生贷款的利率和费用通常低于私人学生贷款.

St. Edward's, in conjunction with Elm Resources, maintains information on a number of alternative loan programs offered through private banks and lending groups.

Because these are non-federal loans, each lender sets its own eligibility criteria, interest rates, processing fees, and repayment terms.  Generally, students must meet fairly high credit standards to qualify on their own, so many students will need a credit-worthy cosigner in order to qualify.  If approved, 学生通常可以借到他们的全部出勤费用减去学生在出勤期间收到的任何其他援助，这些援助将由贷款支付.  学生将收到一份最终的披露声明后，他们的主本票已签署确认他们的贷款条款和条件从贷款人.

联邦法规要求所有私人贷款借款人审查一系列披露信息，并填写申请人自我认证表格. The student may obtain a copy of the self-certification form from the private educational loan lender.

Due to the required credit review, 学生金融服务不能保证所有申请的学生都有资格获得贷款资金.  Approval is determined by the lender. 

请注意，将贷款人列入此列表并不意味着大学的认可, nor is it meant to limit your selection of a private education loan.  These particular lenders have been included because:

• they have a proven track record of reliable customer service;
• they offer competitive interest rates and repayment terms; and
• 他们使用与大学财政援助管理系统兼容的电子处理，确保贷款资金的一致和及时交付. 

However, 无论贷款人是否出现在此名单上，学生金融服务办公室都将对任何私人教育贷款申请进行认证.

Once you have decided upon a lender, 请联系你的学生金融服务顾问，了解你需要提供的信息，作为贷款申请的一部分, including loan period, cost of attendance, and total amounts of other assistance.

St. 爱德华大学不会从贷款人那里获得任何形式的付款或报酬，以换取列入此名单.