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Elie Kapengut, 18, a apprentice at Rutgers University, said his aboriginal aid letter from the academy had included apprentice loans. He didn’t appetite to borrow, though, so he didn’t booty the appropriate accomplish to acquire the loans. A revised aid letter showed that the loans had been removed, he said.

But a after account included an credible acclaim for added than $2,700, mysteriously labeled “FINAID DUNSB OFFERED,” Mr. Kapengut said. It was listed alongside added credits from scholarships, and the antithesis on the bill was affected as if the funds had been applied.

The money angry out to be a loan, Mr. Kapengut said, so he visited the school’s banking aid appointment and had it removed. It didn’t end up costing him added than a bit of a “hassle,” he said — but it did assume that some acceptance ability end up borrowing money unwittingly.

Rutgers said in an emailed account that its apprentice aid accolade belletrist chase the federal Education Department’s recommended template. All acceptance who book the FAFSA, the federal appliance for apprentice aid, accept the aforementioned cyberbanking accolade letter, which includes a area for loans. The loans area displays the bulk adopted and provides an advantage for the apprentice to abatement the loan.

“If a apprentice does not complete the anatomy to abatement the accommodation from the accolade letter, the accommodation will arise on the student’s appellation bill,” Rutgers said.

To analyze aid offers, apprentice advocates acclaim that you aboriginal actuate the absolute amount of accessory anniversary college, including “direct” costs like tuition, fees, on-campus apartment and meal plans, and “indirect” costs like books, supplies, busline and added expenses. If your aid letter doesn’t accommodate a breakdown of these costs, alarm the banking aid office, appointment the college’s website or try accoutrement on the Education Department’s Academy Navigator.

Next, decrease any “gift aid,” which includes grants — including federal need-based Pell grants — and scholarships.

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