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Federal Family Education Loan Program (FFELP) Stafford Loans

• Stafford Subsidized: Eligible students must demonstrate financial need. Loans are from private lenders, but the federal government pays the interest while the student is in school at least half time, and/or during a six month grace period after leaving school, and during a period of deferment.
• Stafford Unsubsidized: Eligible students do not have to demonstrate financial need. The borrower is responsible for interest from the time the loan is disbursed until it is paid in full. Payments can be deferred until the student is out of school and there are options to accrue the interest due.
• PLUS Loans: Federal PLUS (Parent Loan for Undergraduate Students) is a loan that helps parents or guardians pay for college costs. Interest starts to accrue immediately and repayment begins within 60 days of the last disbursement.

Federal Work Study

A program for students who demonstrate financial need. The Federal Government provides funding for a portion of the payroll and the campus or off campus agencies match a portion.

Financial Aid

Includes SUG and EOP grants and the Financial Aid Cost Center’s General Fund operating budget.

Fiscal Year

For the State of California, and therefore the CSU and SJSU, the fiscal year begins on July 1st at 8:00 a.m. and ends on June 30th at 5:00 p.m.

Foundation

See Research Foundation, Spartan Foundation and/or Tower Foundation.

FTE

Full time equivalent. Refer to FTEF and FTES.

FTEF

Full Time Equivalent Faculty. A faculty member who works the required number of hours for full time employment, as determined by CSU systemwide Human Resources.

FTES

Full Time Equivalent Student. Calculation is derived by dividing total student enrollment units by 15 units.