Matriculation Orientation: 5. Financial Aid
Student Services Center
(310) 233-4320
Financial Aid Services
The goal of financial aid is to provide access to post-secondary education for those who otherwise would be financially unable to start or continue their schooling.
We encourage everyone to apply for financial aid to establish eligibility. Many students who think they would not be eligible find they can get a fee waiver or have eligibility for work-study or loans. The process is not difficult and should be done as early as possible. Applications become available in January before the beginning of the award year, which extends from July 1 to June 30. It is always best to apply early. However, even if semester has begun, it is not too late. If you apply late, you must realize that if you are eligible for grant aid, it will be delayed, but a fee waiver can be done quickly if you are eligible.
To view requirements, procedures and general information, please Click here to visit the Financial Aid website.
Through loans, grants, scholarships, and part time employment, students are provided monetary assistance to meet the basic costs of educational expenses. You can apply online at http://www.fafsa.ed.gov/ (There is no charge to file a FAFSA application) for:
Grants (Federal & State)
Loans
Work-Study
Scholarships
How much does it cost?
The enrollment fee for California residents is $26.00 per unit per semester, subject to change by the California Legislature.
Non-California residents pay $186 per unit, plus the standard enrollment fee.
Non-USA residents pay $204 per unit, plus the standard enrollment fee.
Non-resident tuition is due upon registration. International Students are also required to participate in the medical insurance plan for F-1 Visa students.
The mandatory Health Services Fee is $11.00 and the mandatory Student Representation fee is $1.00. Financial aid or an enrollment fee waiver may be available to students who meet the qualifi cation requirements. Waivers are not available to F-1 Visa students. Contact the Financial Aid Offi ce at Harbor College. The fee to audit a class is $15 per unit.
Additional optional fees include a parking fee of $20.00; members of the Associated Students Organization pay $17.00 for parking which is a $3.00 discount for membership. Membership in the ASO is $10.00.
Credit Cards: What You Should Know
Credit is money extended to a borrower by a lender, in return for a series of payments of principal plus interest.
Forms of Credit
Secured (by something you own which you could lose if you default – such as a car loan);
Unsecured (credit card);
Credit Advantages
Enjoy now – pay later;
Monthly inventory of purchases;
Shop by mail, telephone, or the internet;
May get a better guarantee on purchases;
Safer than cash (if stolen, loss is limited);
Allow instant fulfillment of a need or want;
Emergency money at a bank or ATM (Cash Advance);
Credit Disadvantages
Late payments will affect your credit rating;
Credit prices may be higher than cash prices;
Obligates your future income to pay for the present;
Wise Credit Use
Only use if absolutely necessary or if you can easily pay off the balance;
Shopping for Credit
How much are late charges?
How much is the annual card fee?
What fringe benefits does the card offer?
How long is the grace period before you pay any finance charge?
Watch out for hidden fees;
What is the annual percentage interest rate (APR) you pay on balance due?
Know about credit card scammers.
Referrals:
National Foundation for Credit Counseling www.nfcc.org
Consumer Credit Counseling Service of L.A. (213)386.7601
|
|
|
|
