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Education Glossary

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F Term ~ Definition

Federal Pell Grant ~ A federal financial aid grant program which is not paid back. Students apply by filling out the FAFSA

Federal Perkins Student Loan ~ A low-interest loan for students who show financial need. It must be repaid after graduation. Students apply by filling out the FAFSA

Federal PLUS (Parent Loans for Undergraduate Students) and/or Federal Direct PLUS ~ Financial aid to parents ~ processed through a bank ~ other lending agency, college or university to help pay for college. These loans must be repaid with interest. Repayment begins 60 days after the loan is issued to the parent(s).

Federal Subsidized Stafford Loan and Direct Ford Loan ~ Student financial aid processed through a bank and/or college. A student must be enrolled in a college degree program at least part time to receive a Stafford Loan. Loans must be paid back with interest after a student leaves college.

Federal Supplemental Educational Opportunity Grant (SEOG) ~ Federal grant for students with exceptional need. Students apply by filling out a FAFSA.

Federal Unsubsidized Stafford/Direct Unsubsidized Ford Loan ~ Similar to a subsidized Stafford Loan, except interest is paid by the student during college.

Fees ~ Course-related costs to attend college.

Financial Aid ~ Federal, state, college and private programs that help students pay for college costs. Financial aid may come in the form of grants, scholarships, loans or work-study programs.

Forbearance ~ A forbearance permits a student borrower a temporary period of time in which he or she may not make any payments on his or her loan, pay interest only, or make a payment for less than the normal repayment amount. A forbearance must be requested from your lender or loan servicer and a forbearance form must normally be completed.

Freshman ~ A student who has completed less than 30 hours of college credit.

Full Course Load ~ A full-time student normally takes 15 to 17 semester credits a term. This equates to at least 5 courses. However, most colleges officially designate 12 or more credits during a semester term as full-time.

Full Time Student ~ A student enrolled for 12 or more credits per term.


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