阅读：完成 FAFSA： 你应该知道的一切。 ]
但是，由于2011年联邦预算控制法（也称为封存法），学生不应期望获得最高金额。2021年10月1日或之后以及2022年10月1日前发放的教学助学金，必须比学生本来获得的奖励金额减少5.7%。例如，4，000 美元的奖励减少了 5.7%，即 228 美元，实际奖励为 3，772 美元。
TEACH grant recipients have been required to submit documentation showing they have completed a year of qualifying teaching service – or their intent to satisfy the requirement – to the Department of Education each year. There also has been an initial certification required within 120 days of graduating or leaving school, and failure to complete a certification resulted in the grant being converted to a loan.
But under the new regulations, recipients will no longer have their TEACH grants automatically converted to loans for failing to certify within 120 days of graduating from or leaving school; in fact, now, there is no longer a requirement for recipients to certify that they have begun teaching or intend to within 120 days. Plus, now if they fail to certify at the end of each year of teaching, conversion to loans will not happen until they have run out of time to complete the four required years of service within the eight-year window.
As a result of these program changes, TEACH grant recipients now only have to submit four completed teaching certifications within the eight-year service obligation period.
Also, in addition to receiving counseling each year a grant is received, students now are required to take exit counseling. That will include information about how the grant's servicer will annually send detailed notifications about service obligation timelines and requirements; estimates of accrued interest; documentation reminders; and explanations about the reconversion process, meaning when loans are converted back to grants. The goal is to ensure that grant recipients are informed and prepared to comply with program requirements.
Other program changes announced by the Department of Education are an expansion of the reasons why a TEACH grant recipient may receive a full year's credit for teaching less than a full academic year; grouping of undergraduate and graduate service obligations together, when possible; updates to the agreement form and original counseling features; addition of a new online counseling feature that provides information about the conversion of a grant to a loan; and new and improved online forms and resources.
How a TEACH Grant Can Become a Loan
A TEACH grant can be converted into a direct unsubsidized loan when a recipient fails to meet the work requirements or doesn't certify his or her qualifying employment and has run out of time to complete the required years of service.
When a TEACH grant becomes a loan, the recipient owes the full amount disbursed, as well as any interest that would have accrued from the date the grant was paid out.
In the past, TEACH grants have been commonly converted into loans due to small paperwork issues, such as failing to certify employment within a certain number of days after leaving a program or submitting annual certification of teaching status one day late. In fact, per the Office of Management and Budget, the majority of TEACH grants – 66% – were turned into loans under the prior rules.
The new program changes are aimed at addressing administrative hurdles, adding flexibility for grant recipients and hopefully reducing the frequency with which the grants are converted to loans.
What to Do if Your TEACH Grant Is Converted
If the Education Department contacts you and says you are eligible to request reconsideration, you could get the loan converted back to grants if you can demonstrate that either you completed the required four years of qualified service during the eight-year service obligation period or you intend to and will be able to do so.
You can still request a reconsideration even if the Education Department doesn't contact you – for example, if you were on track but missed the annual certification requirement or made an error. Also, as a result of the new regulations, the possibility of reconsideration is now open to all recipients whose grants were converted to loans for any reason.
But remember that whatever the reason, you must show that either you met or will be able to meet the service requirement within the required time frame.
To request a reconsideration, contact FedLoan Servicing, the TEACH grant servicer, by phone at 855-499-9543 or by email at TEACHgrantconversions@myfedloan.org. Be ready to answer questions and provide information as needed for the company to determine your eligibility status.
If you fail to win reconsideration and therefore can't get the loan reconverted back to a TEACH grant, be sure to read and understand all the terms and conditions of your new loan. Fortunately, it is eligible for all the benefits and borrower protections of the federal student loan program, including the ability to lower your monthly payment if needed and to place your loans in deferment if you cannot make a payment.
At the same time, however, there are consequences if you miss loan payments and fall into delinquency or default.
If your TEACH grant hasn't been converted into a loan but you have questions about the annual certification date, contact FedLoan Servicing at 800-699-2908.