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Undergraduate Study
School leaver or new to university – everything you need to know about your first degree
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International Students
Study options for international students at CQUniversity
Industry and Business
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Indigenous Engagement
CQUni provides accessible teaching, research and support activities to local Indigenous communities
CQUniversity
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University Structure
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Research Higher Degrees
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How to Apply
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If you choose not to make interest payments while in university, in your grace period, or during an authorized period of deferment, the interest will accumulate, and be added to your principal amount at repayment.
An entity that controls, is controlled by, or under common control with another entity. Criteria is met if:
An officer or employee of an institution-affiliated organization.
This is an official document issued by the Financial Aid Office. It lists all of the amounts, and types (subsidized and unsubsidized) of aid in your financial aid package. The Award Letter also includes the terms and conditions of your financial aid.
The 12-month period during which you attend university, and for which your aid has been awarded
The process by which interest is added to the principal loan amount if you choose not to make interest payments while in university or in forbearance (See question 12 on the MPN). This process increases the amount that must be repaid and will make your monthly payment larger
The average annual cost of tuition, books, supplies, room and board and transportation for full time first-year, undergraduates enrolled at an institution of higher education. The COA is determined by the University, using federal guidelines.
Students who default before the end of the second fiscal year following the fiscal year in which students entered repayment. The US Department of Education calculates this rate annually to determine the default experience of students who attended a particular school during a particular period of time.
CQUniversity current default is: 0.00 This is the best rating available.
For purposes of Title IV, consumer reporting agency means an agency that compiles and maintains files on consumers on a nationwide basis, as found in Sec. 603(p) of the Fair Credit Reporting Act (15 USC 1681a(p)).
Any institution of higher education as defined in Sec. 102 of the HEA that receives any Federal funding or assistance.
The failure of a borrower to make instalment payments when due or to meet other terms of the promissory note or other written agreement(s) with the lender under circumstances where ED or the guarantor of the loan reasonably concluded that the borrower no longer intended to honour the borrowers obligation to repay a loan, provided that this failure persists for the most recent consecutive 270 day period or the most recent 330 day period.
A period during which repaying loan principle is suspended as a result of the borrower meeting one or more of a number of situations or categories established by law. The borrower does not pay interest on subsidized loans during deferment; interest continues to accumulate during deferment of an unsubsidized loan.
The state of a loan when payment is late. Delinquency may be reported to a credit bureau after 30 days.
An entity that offers for a fee degrees, diplomas or certificates that may be used to represent to the general public that the individual possess such a degree while that individual completed little or no education or coursework to obtain the degree.
Funds are disbursed direct to the University.
The definition also includes any other person engaged in the business of security, making, or extending education loans on behalf of the lender.
Education loan has an exception when used as part of the term private education loan.
Means a regional public multiservice agency authorized by State statute to develop, manage, and provide services or programs to local educational agencies.
The Expected Financial Assistance is the amount of all other awards, scholarships, sponsorships etc that a student (or the parents on behalf of the student) may be in receipt of. This amount is included in the Cost of Attendance (COA) calculations.
The Expected Family Contribution is the amount that a student and family (if required) are expected to contribute toward the Cost of Attendance (COA). This amount is based on the students or the family's income and assets.
Federal Direct Loan program allows students to borrow their Federal Stafford Loans directly from the federal government, rather than through lending institutions. Through the Direct Loan Program, Stafford Loans are available to undergraduate, graduate and professional students and are designed to be low-interest loans to provide students with additional funds for college.
Beginning July 1, 2006, graduate and professional students are eligible to borrow through the Federal Direct PLUS Loan program. Previously this loan was only available to parents of undergraduate students.
Graduate students may borrow this Direct loan on their own behalf, to cover the difference between COA and all other awarded aid, after applying for other Stafford aid.
Although the new legislation authorizing this change is in place, most references to the program on the federal web sites and official notices still refer to the PLUS Loan being a program for parents of undergraduate students.
This loan does go through a federal credit check process. This review looks for bad credit only. You do not have to meet other financial standards as with other private alternative loans.
A Direct loan that provides federally subsidized, low interest loans to students in undergraduate, graduate or professional programs. Subsidized loans are awarded on the basis of financial need.
A Direct loan that provides low interest loans to students in undergraduate, graduate or professional programs. Unsubsidized loans are not awarded on the basis of financial need.
The office within CQUniversity who works with you and your parents to determine eligibility based on federal guidelines for different types of financial aid such as scholarships, loans and more. The Financial Aid Office also certifies or approves your federal loan application and the amount you can borrow. The FA office contact details are available here.
The difference between the students Cost of Attendance (COA) and the Expected Family Contribution (EFC) plus the students estimated financial assistance.
The process by which a repayment schedule can be restructured under certain conditions. The amount of the monthly payment may be temporarily reduced or suspended, or months may be added to the repayment term. You must contact your lender directly to receive forbearance.
This is the application that a student must file to apply for financial aid. The FAFSA is printed and distributed free of charge by the U.S. Department of Education. It is also available online at www.fafsa.ed.gov.
A standard full time academic load is defined by an overall enrolment load of 48 units of credit taken over the three terms of an academic year. International students must enrol in both compulsory terms and achieve a standard full time academic load of 48 units of credit in each academic year to successfully complete their program within the initial student visa.
A feature of Federal Stafford loans that gives you six months after you leave university or drop below half-time status before you must start making monthly payments on your loan.
The fee that is charged by the lender in exchange for lending the money, the interest rate, usually expressed as a percentage of the loan amount, may stay the same for the term of the loan (fixed rate) or it may change periodically (variable rate).
Interest Rates for Loans First Disbursed on or After July 1, 2007
|
Loan Type |
Status |
FFEL |
|
Subsidized Loans |
Repayment or Forbearance |
6.80 |
|
In-school, Grace, or Deferment |
6.80 |
|
|
Unsubsidized Loans |
Repayment or Forbearance |
6.80 |
|
In-school, Grace, or Deferment |
6.80 |
|
|
PLUS Loans |
All |
8.50 |
Any organization that is:
Such organizations may include an alumni organization, athletic organization, foundation, or social, academic, or professional organization, of a covered institution, but excludes lenders with respect to any education loan secured, made or extended by such lender.
The private lender is the organization that actually provides the funds for you to use. The lender may be a bank or other financial institution. The lender sends the money to the university. This money is applied first to any balance due on your student account. Any excess funds are given to you as a living allowance.
A legally binding document between the borrower and the lender that obligates him or her to repay the loan according to its terms.
The average yearly price charged to a full-time, undergraduate student receiving student aid after deducting aid by calculating the difference between the cost of attendance minus the total amount of need-based grant and merit based aid, from Federal State and institutional sources provided to students enrolled that year divided by the total number of students receiving need-based and merit based grants for the same year.
Includes a director or a trustee of a covered institution or institution-affiliated organization if such individual is treated as their employee.
A fee charged by lender with the approval of the federal government and deducted from the loan funds prior to disbursement. The fee is used to offset administrative costs. VUW's preferred lenders do not charge these fees to their student borrowers.
The PLUS Loan is a federal loan and is available to the parents of dependent undergraduate students. It features low interest rates that change annually and long-term repayment options. While parents of all income levels are eligible, a credit-worthiness evaluation is done by the Federal Loan Servicer.
Parents may borrow up to the cost of attendance minus any other aid received by the student annually.
The minimum enrolment load for any international student, in any compulsory term, is 18 units of credit for undergraduate study and 16 units of credit for postgraduate study except during the student's final term of study.
The interest rate on PLUS Loans is a variable rate that changes annually. Interest rates are reset each July 1 by the government. The interest rate cannot exceed 9%. Effective July 1, 2007, the interest rate on PLUS Loans will be a fixed rate of 8.5%.
The minimum monthly payment on a PLUS Loan is $50 per loan, but could be higher depending on the amount you borrow.
Repayment of the PLUS Loan is not deferred until after the student graduates. Repayment begins 60 days after the PLUS Loan is fully disbursed (60 days after the second disbursement).
The amount borrowed. This is the amount to which interest is charged.
Has the same meaning as given in Section 140 of the Truth in Lending Act.
The report sent directly to a student from the US Department of Education's Central Processing System (CPS) that summarizes information submitted on your FAFSA. It also provides figures used in financial-need calculations, including the students EFC.
The achievement of required Grade Point Average (GPA) within the defined timeframes, to ensure continued access to Financial Aid.
The average annual cost of tuition and fees for a full-time, first-time undergraduate enrolled in an institution of higher education.
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CQUniversity CRICOS Provider Codes: QLD-00219C; NSW-01315F; VIC-01624D
