xH.vdmo;'D;AwDRxDuFdw>eJ.usJySR[h.ul.w>AqdqdzJAetd.A

9wDRtcgAvX w> uwX. yD.wJoud;b.C;w>uwJmuwDRo;

vXcDvh.uFdt *D> 'D;qJ;xH. vdm o;'D;t0JydmcGgArhwrh>At0Jydmrk.Awbd,l>C

[H;M>A SAT Arhwrh>A ACT Aw>'d;pJ;'D;rReJt*hRuwX>wuh>I

CkuG>cDvh.uFd §zF.pdrdRuFdvXtvDRyvdm'D;ew>ynd.wz.wuh>I

rRM>w>tk.o;tvHmy&XA2=3Abh.cDzsdAvXeuFdo&.o&.rk.'D; uFdt ySR

[h.ul.w>ttd.wuh>I

td.'D;w>'d;pJ;tywD>'D;tr;vXAtzd;oJp;tw>uGJ;'dAvXw> u wDR ym0J

0HR vX w>u qSXtDRt*D>wuh>IA(euFdtw>rR eD.Arh>wtd.vX tJu vH;

usdmb.M.< Ar R M> w>usd;xHw>tw>tk.o;b.C;Ae zsduFdt vHmtk.

o;'D;w>rReD.tr;p&Dwuh>I)

rRvDRwH>vXeoh.ngb.C;AcDvh.uFdwzsX.Apkmpkmtw>vd.b. vXw>

ywHxD.t*D>'D; Aw>oh.qXz;uwD>trk>eHRvXcHuwX>t*D>wuh>I

vXew>ywHxD.tylR<ArRySJRw>*h>w>usdRvXtvD>td.wz.= rHR<A vD>

td.qd;xH;eD.*H><AtHrh(v)<AxHzduD>zd§bH.p.twDRywD><A [H.zd CDzd

w>*h>w>usdR<Aw>oHuG>b.C;AuvkmAvXw> Ck xX vXAupH;qX0J

rh>*hRAwpH;qX0Jrh>*hRoh<A w>qD[H.qDCD tw>td.o;'D;

eeD>up>tw>*h> w>usdRt *R wz.vXtrRpXReRohAzJerhrh>A

[D.cd.bDrk>tySR uFdzd'D; §rhw rh>A uvkm'l.zd<Aw>ul.b.ul.ohtw

>rReD.w>*h>xXzSd.<AwDR xDuFd<AySR[h. ul. w> trHR 'D;tw>qJ;usd;

t*h>tusdR<AtylRuGHm uFdvXtxD.wh>0J 'D; cDvh.w>rRvdvX exD.wh>tDR<A SAT A'D; §rhw rh> ACT Aw>'d;pJ; t r;wz.A(rRvDRwH>vXAcDvh.uFd §zF.

pdrdRuFd 'd; M>b.0J ‘.w> 'd; pJ; tr;vX Atzd;oJp;cDzsdw>rRpXRu&XvXt 'd;

pJ; w>wz.ttd.)

[h.w>*h>b.C;ewDRxDuFdAtw>vJRxD.vJRxDt*h>tusdR= w> rRvd

vHm'd. vJ>xD w>vRuyDR<A w> [l; w>*JRvXAw>rRvdrd>yS>tcsXwz.<A

w>rkmo;rRuvD Atw>[l;w>*JRwz.<A'D;w>rRuJxD.vd.xD.vX

tvDRqD wz.M.vDRIA uGJ;b. C;'D;w>&J.w>usJRvXtvDRqDA

rhwrh>Aw>rRvd twDR vX e[H; M>rRvd'fM.tod;w>zH;w>rRvXA

erRvXAtymzsgxD.w> vXw>em M> tDRoh'D;Aw>o;td.rRw>ql.'d.r;

tylRM.vDRI

nDEk>M.cDvh.uFduvd.b.0J'.w>uGJ;cHcgArhwrh>A?eD>up>tw> ym

zsg/—tzk.wcg'D;txDwcgM.vDRIAnDEk>M.vHmywHxD.t ylRvd.

b.0J'. w>uGJ;cJvXmA150AzsX.Arhwrh>ApSRM>'H;Aw>[l;w>*JRvXAw>rRvd

rd>yS>vXt csXwcgA rhwrh>Aw>zH;w>rRtw>[l;w>*JRwz.<AvX trh>w>

uGJ; wcgvX ttd.AvHmzsX.A250=500AzsX.M.vDRIAvXw>uGJ;z;xD

tylRu CheR w>uGJ; b.C; AySRw*RvXtd.'D;vk>bXpdurDRt 'd. t

tgvX ezD cd.<A ySRw*RvXt&h'd.vX<AvD>u0DR<AxHvD>uD> ylRArhwrh>A

[D.cd.'Dbh. tw>td.o; tzDcd.<Arhwrh>AeeD>up>w> ohw>b.

uH>pDvXw>rR tg xD.w>vXcDvh.uFdvX tvDRqDvdmo;t uvkmuvkmM.

vDRIAuGJ; vd w>uGJ; wz.tHRCkm'D;o&.od.vd w>vXw>uGJ;zsg xD.b.

C;eeD> u p>t*h>t*hRuwX>M.vDRI

b.oh.oh.Aw>uvd.b.Aw>xH.vdmoHuG>vdmo;vXA

w>tX.vDRwl>vdmuFdzdt*D> M.vDRI

vXw>cJvXmtzDcd.<ArRvDRwH>b.C;w>rRql.xD.ew>ohusdm cH

usdm'D;Aw>vJRcDzsdwz.vXAttd.'D;eRvXAt'k;vDRqDeR'D;

ySRt*Rwz.wuh>I

w>ywHxD.cDvh.uFdtusJAwywD>b.wywD> w>[h.w>tyORvXecDvh.uFdw>rRvdrR'd;t*D>

uD>trJ&uRw>ul.b.ul.oh0JRusdRA(U.S. Department of Education)A[h.vRuyDRw>rRpXRphA 150A uuGJ>wuxd'Dv. A($150 billion)AvXweH.

twD>ylR<Aw>rRw>'D;A rRvd w>tph rd> yS><A 'D;[h.vd>phvX td.'D;tth.

pSRqlySRuFdzdteD. *H>vXt tgM>A15A u uGJ>*RM.vDRI

zJ.'&X.uD>pXzSd.'D;uD>pJ.w>*h>w>usdRtcD.xH;cD.bdA= usd.phM.Atd.0J

vXySRuFdzdt*D>AcDzsdzJ.'&X.uD>pXzSd.y'd.M. vDRIAuFdzd§[H.zdCDzdub.

rRySJR0J'. FAFSA vXuymzsgxD. usd. pht w> vd.b.t*D>M.vDRI

uFd{dRuD.{dRA(cDvh.uFd)A=AcDvh.uFdwzsX.pkmpkmtd.'D;Aul.oh ph qD.xGJ

tvHmywHxD.vXtrh>Ausd.phw>[h.vRuyDRcDzsduFdM. vDRIA b.oh.

oh. w>[h.vRuyDRusd.phtHR'd;oMRxD.to;vX w>rR vd rR'd;

tw>uJxD.vd.xD.<AwRv.A(w>vdmuGJpH.jyX<A w>ol. 0H.o; qX<A

'D;t*Rwz.I)<AuFdzdt%l>toJ;vXtvDRqD<A'D; t*Rwz.I

ySReD>w*RAtul.ohphqD.xGJA=Atd.'D;ySReD>w*Rul.ohphqD.xGJvX

vXtuxdwz. vXxHuD>'Dbh.tylRM.vDRIAul.ohph qD. xGJ rh>w>[h.

vRuyDR0J'. w>rRtgxD. w>t%l>toJ;vXtvD> td. w z.Arhwrh>A

w>rRvdrR'd; tbl.twD>t*D>M.vDRIACkuG> ul. ohph qD.xGJvX [D.cd.'Dbh.

uFdzdt*D>A rhwrh>A uFdzdvX tuwdR 0J'. usdm t *Rwz. t*D>M.vDRI

w>tbl;tvJvXAw>vJRrRvd0J'.cDvh.uFdu'db.rR[l;0J'.cD vh.

uFdvX euywHxD.0JM.vDRIArRvDRwH>vXAb.C;euoHuG>A

w>oHuG>vXt b.w z.=

• ,ub.[h.w>tyORrEkRvJ.IA,w>bl;w>vJvXAub.

[h.rh>rEkRvJ.I

• ,ub.[h.w>tyOR'fvJ.IArh>,w>zsdxD.uFdtw>tk.o;[h. xD.

w>[JEkm tvXtySJR'D;w>zH;w>rRtcGJ;t,mwz.vXw>[h. u'g

uhR,'h.ur>t*D>{gI

• rh>,-uX;'D;w>'d;M>b.ul.ohphqD.xGJArhwrh>Aw>rRpXRph {gI

• rh>,-uX;'D;zJ.'&X.uD>pXzSd.uFdzdtw>rRpXR{gI

• w>zsdxD.uFdArhwrh>Aw>rR0HRuwX>uFdteD.xd.vXtb. C;uFd{dR

uD.{dRrh>rEkRvJ.I

• rh>,[h.u'guhRphvXA,vd>tDRwz.uM>ph>uD;{gI

w>'k;*kRxD.yoDxD.cDzsdA Bronx Institute at Lehman College of The City University of New YorkAvX trh> 0h>EFL,D;tzF.pdrdRAtw>ohusdm

cHusdm t w>ul.b.ul.oh'D;[D.cd.'Dbh.usdmwz. w>ul. b.ul. oh0JR usdR

t0JR'X;zJEFL,D;uD>pJ.A(New York State Education Department Office of Bilingual Education and World Languages)

w>EkmvDRcDvh.uFdtw>eJ.usJvXySRrRvdtJuvH;usdmzdwz.t*D> zJEFL,D;uD>pJ.

w>*h>w>usdRtd.tgr;vXAw>CkxXcDvh.tw>rRvdrR'd;'fw> rk>v>uG>pd tod;

M.vDRIAvHmwdRzsgtHRAymzsgxD.w>tvk>tyORb. C; w>zsduFdw>tk.o;vX

w>td.rltd.*JRwuwD>b.wuwD>pkm pkmM.vDRIAw>teD.*H>wz.tHR

utgxD.0JzJ vXySRywHxD.w>zdrh> ySRoh usdm cHusdmM.vDRI

wDRxDuFdw>zsdxDuFdxJ'.A ] A

¤1I30 A uuGJ>

cDvh.uFdweDRA] A

¤1I55 A uuGJ>

bJ;cF&X.'H>u&H.A] A

¤2I27 A uuGJ>

r;pxX.'H>u&H.A] A

¤2I67 A uuGJ>

rHRvR'd.pdwkm'H>u&H.A] A

¤3I25 A uuGJ>

ySRohySRb.pJ.eD>'H>u&H.A] A

¤3I65 A uuGJ>

ySRzsdxD.cDvh.uFdtw>[JEkmtpSRuwX>'Dv.vXtuuGJ>vXtgM> 'H;

ySRzsdxD. wDRxDuFdvXt0Joh.tw>td.rlwuwD>b.wu wD>

Carnevale, A.P., Rose, S.J. and Cheah, B. (2011) w>[h. cDvh.

uFdtbl;tvJ =Aw>ul.b.ul.oh<Aw>zH;w>rR<A w>td. rl'D u wD>

w>[JEkmwz.IA w>rRvdrR'd;'D; w>zH;w>rRt vD>cX. o;A(Center for Education and The Workforce)A zJ Georgetown AzF.pdrdRI

Pew Aw>Ckoh.ngtvD>cX.o;<AvgzhR-bLRtg &HR<A2014AeH.< ?w>vXmbl.

vXmphRvXttgxD.vXw>wvJRxD.0J'.cDvh.uFd/ (http://www.pewsocialtrends.org/2014/02/11/the-rising-cost-ofnot-going-to-college/)

$1$30 uuGJ>

$1$55 uuGJ>

$2$27 uuGJ>

$2$67 uuGJ>

$3.25 uuGJ>

$3$65 uuGJ>

w>eJ.usJ

q

lA

c

Dv

h.

u

Fd

td.'D;w>rk>v>uG>pdzDwX.CkxXcDvh.uFdvXtb.vXe*D>cDvh.uFdvXEFL,D;uD>pJ.tylR'D;t*Rwz.

ySRzsdxD.cDvh.uFdwz.III

III w>wtd.'D;w>zH;w>rRteD.xd.vXtpSRvDR

III w>td.ql.td.cVtw>vJRcDzsdvXt*hRxD.

III CkxH.M>w>zH;w>rRvXtvDRo;pJwz.vXArRtgxD.t0J oh. t

w>[JEkmvX tuJxD.o;oh0Jwz.

III ymzsgxD.tw>ol.zSHo;nDtwDRywD>vXtxDxD.

III EkmvDRrRoud;w>tgxD.vXySRw0XtylRcDzsdw>ymzsgxD.w> [h.

w>z;teD.xd.vXtxDxD.'D;w>rkmo;rRuvDw>

III td.'D;w>yXb.teD>up>t[H.'.0JteD.xd.vXttgxD.< 'D;

III rRpXRtzdwz.vXw>'d;M>b.uFdtwDRywD>vXtxD

ymvDRw>&J.w>usJR

vXw>uwJmuwDRo;vXcDvh.uFdw>zH;w>rRtwDRywD>t*D>III

III [H;M>w> rR vXuFdzd b. rR 0JzJw> rR vdtuwD> t w>wR vDRM> w>

vXwDRzk.uFd<AwDRcX.o;uFd<A'D;wDRxDuFdvXtJu vH;usdm<Aw> *H>w>

'G;<ApJth.<AySRw0Xw>rRvd<Ausdm<A'D;'GJvRyDngwz.

III CkxXvHmvXerRtDRM>'D;vHmvXb.oh.oh. euvd.b. Aw> rRpXR

III rRvdb.C;w>rRvdrR'd;tusJ<A[H;M>'d;w>'d;pJ;<A'D;rR0HRrRvXySJR

w>wdmusJRwkRvDRwDRvDR

III qXwJmrRw>zH;w>rRvXeo;pJ'D;CkxH.M>w>vd.vXetJ.'d;Ekm

vDRw> zH;w>rRvXeCkxX'.eJ

CkxXcDvh.uFdvXAturRpXReRvXw>uwJmuwDDRM>eRw>vXecgql

ngw>vd. b.t*D>wuh>IAoh.eD.xD.vXw>vJRxD.qlcDvh. uFd rh> 0J

'.ew>qXwJm'D; ew>CkxX M.vDRIA wb.ysJw>vXtvk>bXpd eRcD

zsdw>uG>w>*DRrl'D;w> upD.t*R<AySRrRvdoud;w>'D; wHRo ud;<A [H.

zdCDzd<A'D;uFdo&.o&. rk.wz.wb.ysJt 0Joh.qD. uGHm eR ql w> t *Rw

*hRIAySRw td.eDw*RvXtoh qXwJmM> eRw> tHRvX e*D> b.IA vXcHuwX><A

t vD>td.vX eub. td.'few>CkxXt od; vDRI

qdurd.b.C;Aew>rRvdrR'd;vXeuFd'D;uG>xHqdurd.b.C;w> vXe

rReXR0J ttguwX>'D;w>vXeo;ckzH;rR0Jwz.wuh>I

w>vXeo;pJ<AuH>pDw>ohw>b.<Aw>o;pJvXtd.ympXR<Aw> vXe

b.o;<A'D;wb.eo; rh>rEkRvJ.I

w>rRvdvXb.eo;vXtvDRqDuwX>rh>rEkRvJ.III'D;vXrEkRCd vJ.I

CkxH.M>w>vXtvDRyvdm'D;eRt*hRuwX>

zJeymyeD.ew>o;pJ'D;w>o;pJvXtd.ympXR0HRtvD>cH<Aeuoh.ng vXcDvh.

uFd tvk>v>zJvJ.wcgvXtvDRyvdm'D;eRt*hRuwX> M. vDRI

cDvh.uFdvXeuG>qdurd.qXwJmtDRM.Arh>tod.vd0J'.w>vXtvDRy

vdm'f ew>rRvdtuh>t*DRtod;{gIAerRvdrkmvXAw>rRvdtbsD.z;'d.

vXAySRuFdzdtd.tgM>A 200 A*RA'D; ql tzDcd.Arhwrh>Au%l>vXtqH;

vXtpSRM>ySRuFdzdA10A*R zJvJ.wcgvJ.IAerRvdM>w>*hRxD.cDzsd w>[h.

vDReRA[H.w>rRvXAeub.uGJ;tDR<AthxX.eJ;w>[l;w>*JR<Aw>ymzsg<

rhwrh>Au%l>w>wdmusJRvJ.I

cDvh.uFdtd.'D;tw>&J.w>usJRvXtvDRqDvdmo;tgrHRvX<Aw> vD>

w>usJ'D;w>*H>w>bg<Aw>cGJ;w>,m<Aw>ohw>b.uH>pD0JRusdR<A 'D;

usd.phw>rRpXRtw>CkxXvXuFdzdwz.t*D>M.vDRIAcDvh.uFd rRw>

orHord;teD.xd.b.C;w>zsdxD.uFd<Aw>wd>eD.zH; Cm< A'D;w> ym

vD> ymusJw>zH;w>rR<Aw>ok;xDxD.teD.xd.A(w>pl;ug 0JzJvXw>rR

M> 'H>u&H.tqXuwD>)A'D;w>tX.vDRwl>vdm0JvXw> zsdxD. uFd<A'D;

w>zH;w>rRvXt&h'd.t*Rwz.tvD>M.vDRIAw>vD>w> usJt [D. cd.

*DRrh>w>t&h'd.tcd.oh.vXw>CkxXcDvh. uFdt*D> M.vDRIArh>e u wJm

uwDReo;vXw>td.,HR'D;[H.Arhwrh>A evd.b.e[H.zdCDzd tw>

rRpXRud;eHR'J;vJ.IArh>w>rkmol.rkmo; b.eRvX ecDvh. uFdt w0XylR

ph>{gIArh>ySRA(uFdzdArhwrh>Ao&.)AvX tuwdRusdm 'fod;eRA rh w rh>A

vk>v>xloElwrHRCD'D;eRtd.{gIA w> vXtvDRqDvdmo;tu vkmu

vkmtd.ph>uD;{gI

cDvh.uFdtgzsX.[h.xD.0J'.Aw>[;uG>uDw>AvXthxX.eJ;zDcd.'f

w>eD>eD>tod;A'fod;eurRM>qdw>ol.rHo;rkmtw>td.o;oh0JArhwrh>

euoh.ngvXAewb.vdmzd;'h'D;cDvh.uFdtcd.CXRw>td.o;vXtvDRqD0J

M.vDRIAuFdzdwz.-uX;[;td.oud;0J'.uFdvXtvDRqDvdmo;

wz.vXw>rRvdoh.ngb.C;w>vXtb.0JwD0Jt*D>vDRI

CkuG>cDvh.uFdvXttd.'D;w>od.vdeJ.vdtw>qD.xGJrRpXRt*H> xH;

cD.bdt*hRuwX>vXtJuvH;usdmySRrRvdw>zd§w>pl;ugusdmtgusdm

ySRrRvdw>zdwz.A(tgwuh>vXw>rRvdtvD>cX.o;Arhwrh>Aw>

uGJ;vHmuGJ;vJ>t'X;)I

0h>EFL,D;tzF.pdrdRA(CUNY) td.'D;tuFdu&X>A24AzsX.vX0h>EFL,D; (New York City)AtylRCkm'D; wDR'd.wkm tcDvh.uFdA 11AzsX.A (4AeH.)<AySRw0XcDvh.

uFd A7AzsX.<AzsduFdtvD>cX.o;< w>upD.yDng wDR'd.uFdA(Graduate School of Journalism) <Au rsX>w>td.ql.td.cVuFdA(School of Public Health) <AoJp;w>bsXuFdA(Law School)<A'D;w>ohw>b.pJ.eD>tw>

rRvdrR'd;tuFdA(School of Professional Studies)M.vDRI

EFL,D;uD>pJ.tzF.pdrdRA(State University of New York (SUNY)) td.'D;uFdtw>ol.xD.u,J>rh> EFL ,D;uD>pJ.A(New York State)AtylRA 64AzsX.<ACkm'D;zF.pdrdRtvD>cX.o;A10AzsX.'D; w>zsdxD.

uFdtw>ol.xD.tvD>b.C;rHRvR'd.pdwkm'H>u&H.t vD>< AzF.

pdrdRcDvh.uFdA13AzsX.<ApJ;zDu[.yDngcDvh.uFdA8AzsX.<A'D; ySRw0XcDvh.

uFdA30AzsX.M.vDRI

uD.u;u&XtcDvh.uFdvXtobV'D;zF.pdrdRA(Council for Independent Colleges and Universities)AymzsgxD.0JA ySReD>up>w*RtcDvh.uFd 'D;zF.

pdrdRAtd.0JA108AzsX.vX EFL,D;uD>pJ. (New York City) tylRM.vDRI

tgM>tM.<Atd.'H;'D;cDvh.uFd'D;zF.pdrdRuFdvXtgM>A439AzsX.vXrk>xD.

uvHRpd;vD>u0DR= cD.eJ;xH.u;A(Connecticut)AA(46)<Arh(e)A(Maine)A(30)<ArgpgcFL pJ;A(Massachusetts)AA(113)<AEFL[Jr%Sg,X.A(New Hampshire)A(20)<AEFLuFX.pH.A(New Jersey)A(44)<AzJ.pH.v0.eH ,gA(Pennsylvania)A (130)<A&d;(')tgvJA(Rhode Island)A(13)<A 'D;A0XrD;(x)A(Vermont)A(23)zsX.M.vDRIAuD>t rJ&uR w>ul.b.ul.

oh 0JRusdRA(U.S. Department of Education)A 'G;0J'.cDvh.uFd'D;zF.

pdrdRuFdvXuD> pJ.cJvXm rh>0JA 4<626AzsX.M.vDRI

vXw>M.tCdAcDvh.uFdvXt-uX;0Jb.0J vX e *D> Atd.0JCgreRM.vDRI

rRvdM>w>vXewDRxDuFdw>eJ.usJtySR[h.ul.w>ttd.vXw>pH; qX

w>oHuG>wz.tHR'D;Ckoh.ngw>*h>w>usdRcDzsdw>pl;ugvD,JR o M

vXwtd.'D;tyORuvHRwz.tHR=

collegecost.ed.gov/scorecardnces.ed.gov/collegenavigator/costoflearning.comCollegeboard.comFastweb.comScholarships.comusnews.com/rankings

w>rRvdtwDRywD> b.C;w>rRvdvHm'd.vJ>xD w>rRvdvXw>od.vdrd>yS>tcsX'D;w>zH;w>rR w>uwJmuwDRo;vXAcDvh.uFd

wDRcX.o;uFd 678

• rRw>t*hRuwX>vXew>rRvdtylR<ArRvdw>ql.ql.<ArRvXySJR u ,J> rh> uFdt[H.w>rRwz.

wz.<A'D;'d;M>w>twDRywD>vXt*hRA(A’sA'D;AB’s)I• rRtd.xD.'D;rRvdoho;vXw>EkmvDRrRoud;tvk> v>vXt*hRI

• rR td.xD.Aw>rRvdrR'd;tvk>v>vXt*hR'D;rR*hRxD.ew> z;vHm z;vJ><Aw>uGJ;<A

w>'due.<A'D;w>uwdRtw>ohw>b.vXtJuvH;usdm ud;rk>eHR'J;'D;

eusdmw>uwdRvX[H.wuh>I

• rRvdw>vXtd.'D;w>wRvDRM>w>'D;w>o;pJtylRvXw>uwJmuwDR o; vXwDRxDuFdt*D>I

• rRw>ql.ql.'D;rRt*hRuwX>vXeuFdw>'d;pJ;twDRywD>t*D>IAerh>vd.b.w>rRpXRoXysXR<A

vJRqleuFdo&.<Aw>od.vdvDRqDto&.<Arhwrh>AySR eJ.w>ttd.'D;ymvDRw>qXuwD>vDR

qDvXevd.b.tylRIAEkmvDRy. Ckm oud;'D;w>rRvdu%l>vXw>uJxD.uFdzdvXt*h>t*D>I

• CkusJwz.AvXuw>pl;uge[H.'D;AeusdmtcD.xH;cD.bdvXAw>'k;bs;pJw>*h>w> usdRtoDA

rhwrh>AtJuvH;t0D>}oJt*D>I

• EkmvDR'D;rRoud;w>'D;ewDR'X; <AusdmcHusdm<A'D;AESOLAtuFdo&. vXw>qJ;

rR*hRxD.etJuvH;usdm'D;eeD>up>'.0J tusdmt*D>wuh>I

• EkmvDRrRoud;vXw>rRvdvXw>od.vdrd>yS>tcsXAtw>[l;w>*JRwz.<

rkm o; rRuvDw>wdmusJR<A'D;w>*JRvdmuGJvXtrRrkmol.rkmo;eRtylRw uh>I

• z;vHmwz.vXtJuvH;usdm'D;/rhwrh>AvXeeD>up>'.eJtusdmcDzsdw>z;

vHmz;vJ>tw>&J.vDRusJRvDRvXw>ud>cgtqXuwD>vX eo&.o &.

rk.wz.ymvDR0Jtod;M.wuh>I

• EkmvDRrRoud;vXw>ud>cgtw>&J.w>usJRtylRwuh>I

• vX w>[;vdmuGJ'D;wHRoud;AtrJmng<Aw>uG>uGJR[lzsg<Arhwrh>Aw>*JR vdmuGJ0H.'H>td.

w>vdmuGJ<Aw>EkmvDRvXcsX;(y)tylR<Aw>vdmuGJu%l>t usg<AeJ.zsgxD.'GJvRyDngtw>&J.

w>usJR<Arhwrh>AySRw0Xw>qD.xGJrR pXRu%l>'D;AymCmu,J>rh>ew>[l;w>*JRtw>rReD.

wz.wuh>I vXw>ol.xD.eeD>up>tw>ohw>b.trJmng<Aw>td.'D;w>o;ck<A'D;

w>rRpXRySRt*Rwz.<A'D;ew>usJ;pX;vXw>rRvJRxD.vJRxDeeD>up>

tw>*H>ql.<Aw>uJcd.uJe>tw>ohw>b.<A'D;w>uxH.M>ew>o;pJ'D;

w>vXtuJxD.o;ohcDzsdcgqlngecDvh.uFd'D;ew>rRup>M.vDRI

• rRuqSDysDuGHmAeySRw0XrH',X.w>upD.tw>*DRwz.M.wuh>IAxk;uGHmw>*DRw>zD.'D;0H.

'H>td.wz.vXtvDRrJmqS;Arhwrh>AvDReHRb.z.vJwz.<Arhwrh>Aw> [h.xD.w>xH.vXA

tw'k;zsdeRvXAeuEkmvDRcD vh. uFdt*D>Arhwrh>AokwrRM>ul.ohphqD.xGJwz.M.wuh>I

• qdurd.b.C;w>zH;w>rRtcGJ;t,mvXecgqlngt*D>I

• ymCmw>rReD.rRCgtvHm}wHmw>rReD.'D;w>uGJ;eD.vXt&h'd.wz.A

(w>rReD.'dvXtb.C;'D;w>ymzsgtc;uh<Aw>[h.vRuyDR'D;w>,l;

,D.tw>rReD.p&D<Arkmo;rRuvDw>[l;w>*JRw>rReD.<Aw>zH;w>rR vXtd.'D;w>[h.

bl;vJ<At*Rwz.I)AM.vDRI

• uwdRoud;w>'D;e[H.zdCDzd'D;ySRvXeuFdvXw>rRe>yX>At0Joh.b.C;

ew>ynd.'D;w>rk>v>uG>pdt*h>wz.wuh>I

• ChM>w>rRpXRvXAerd>ey><AySRuG>xGJw><Arhwrh>AuFdySR[h.ul.w>ttd.

vXw>Ckoh.ngwDRxDuFdArhwrh>Aw>&J.w>usJRvXtvDRqDwz.AvXw>

ynd.CDR0JAvD>u0DRvXeo;pJwz.Arhwrh>AuFdvXAeo;pJ tgM>w>*Rwz.t*D>wuh>I

• rRvde>yX>b.C;cDvh.uFdtbl;tvJA'D;usd.ph*h>0Dw>rRusJvXew>rRvd

rR'd;t*D>Ckm'D;erd>y>/ySRuG>xGJw>wuh>I

• EkmvDRy.Ckmoud;vXuFdArhwrh>AySRw0Xw>[l;w>*JRtylRvXw>rRtg

xD.ew>o;pJ'D;&hvdmySRvXtoDwz.t*D>M.vDRI

• Ckoh.ngb.C;ul.ohphqD.xGJ'D;usd.phw>rRpXRvXAtvDRqDvdmo;w

z.Ckm'D;erd>ey>wuh>I

uFdzdtoD§uFdzdvD>vHRA

zJwDRxDuFdw>rRvdeH.

9 • rRoud;w>'D;euFdtySR[h.ul.w>'D;uFdo&.o&.rk.wz.vXw>uG> u'guhRe

w>rRvdrR'd;tw>vJRxD.vJRxD'D;[H;M>w>rRpXRvDRqDvX evd.b.A(ymyeD.o&.od.

vdw>vXtvDRqD<ACkxH.M>[H.w>rRt w>rRpXR<Arhwrh>ACkM>w>&J.w>usJRvXuFdys>0HR

tvD>cHvXw>[h.xD. w>rRvdrR'd;tw>wdpXRrRpXRt*D>)I

• rRxGJ'few>rRvdvGH>eH.tw>&J.w>usJR'D;CkxXw>rRvdvXevd.b.

tDRqlngweH.t*D>IACkxH.M>w>ymvD>ymusJw>twDRywD>vXtxDA(AP)A t w>od.vd'D;ymvDRw>&J.w>usJRvXw>ud>cgtw>[l;w>*JRw z.t*D>IA

[H;M>AAPAw>od.vdvXeeD>up>tusdm'.0JzJrh>td.0JI

• uwJmuwDRo;vXAPSATAw>'d;pJ;t*D>I

• EkmvDRrRoud;w>'D;uFdArhwrh>AySRw0Xw>[l;w>*JRvXw>Ck oh. ng b. C;Aw>zH;w>rR

vXeo;pJ0Jt*h>wuh>I

• p;xD.rRewDRxDuFdtw>*h>zk.tw>&J.vDRusJRvDRvXAtb.C;'D;ew> [h.vRuyDR<A

w>,l;,D.ymuJ<Aw>[h.bl;vJ'D;rkmo;rRuvDw>rR<A'D; w>rRvdrR'd;trd>yS>vXtvDR

qDtw>[l;w>*JRwz.M.vDRI

• rRvDRwH>vXAetd.'D; w>rRvXAtuJxD.vd.xD.vX w>ud>cguwD>= w>zH;w> rR<Arkmo;rR

uvD<Arhwrh>Aw>xD. w>ud>cgw>rRvdA (vXt,HRA rhwrh> AcDvh.uFdvD>u0DRtylR)M.vDRI

• 'k;td.xD.?w>*h>w>usdRcJvXm/AttHrh(v)p&DvXAw>'k;eJ.zsgxD.o;'f ySRvX

AtywHxD.cDvh.uFdArl>rl>eD>eD>w*Rtod;M.wuh>I

• oHuG>euFdtySR[h.ul.w>Arhwrh>AuFdo&.o&.rk.wz.b.C;uFdtd.

'D;w>Ckoh.ngw>zH;w>rRtw>[l;w>*JRrEkRvJ.t*h>wuh>IAoHuG>t

0Joh.b.C;euqDwvJew>o;pJwpdRo;ew>td.rlcDzsd wDRxDuFd< AcD vh. uFd<A

'D; ql w>zH;w>rRtusdRtusJohvXusJ'fvJ.t*h>wuh>I

• 'k;oh.ngySRt*Rw>vXeo;pJb.C;w>zH;w>rR<Arkmo;rRuvDw><A'D;

w>EkmvDRrRvdrR'd;w>tw>&J.w>usJRzJuFdys>0HRtvD>cH<Aw>ud>cgw>rR vd<A

'D; 'GJvR yDng<ApJth.<Arhwrh>A'Ju0DRtw>&J.w>usJRwz.M.vDRI

• xD.cDvh.uFdw>z;vHmz;vJ>w>rRvd'D;w>td.zSd.wJoud;wz.wuh>I

10 • xH.vdmoud;o;'D;euFdtySR[h.ul.w>vXw>uG>u'guhRw>ymzSd.t r;<AwDRywD><A

'D;w>yXb.w>tr;vXw>rRvDRwH>b.C;ew>zsdxD. wDRxDuFdb.qXb.uwD>'ftvD>td.

tod;'D;w>wl>vdmeRqlcDvh.uFd t*h>M.vDRI

• uwJmuwDRCmASATAvXw>[H;M>'d;pJ;APSATAt*D>I

• [H;M>w>cGJ;w>,mvXw>ol.xD.eeD>up>tusdmvXw>rRM>cgqlng w>ohusdmcHusdm

tw>yeD.t*D>wuh>I

• wX.yD.wJoud;'D;ySR[h.ul.w>b.C;w>zsdxD.uFdtusdRtusJvXt vDRqDvdmo;t*h>wz.I

• p;xD.CkuG>w>tcGJ;t,mvXw>[H;M>cDvh.uFdw>rRvdrR'd;vXwDRxD uFdtylRA

(vXAAPAw>rRvdtrJmng)AvXw>rRpSRvDRcDvh.uFd tw> bl;w>vJ t*D>M.vDRI

• wb.o;yhReD.vXw>pl;ugeeD>up>tusdm'fAw>tusdRtusJAvXw>zH;w>rR t*D><A

w>rRrkmo;rRuvD<Arhwrh>Aw>EkmvDRrRvdoho;A (vX td.'D; bl;vJrh>*hRAwtd.'D;bl;

vJrh>*hR)A vXtb.xGJ'D; ecDvh.uFd tw>o;pJtod;vDRI

• rRw>Ckoh.ngvXvHm&d'X;'D;vD,JRoMvXtb.C;'D;cDvh.uFd'D;w>

zH;w>rRt*h>vXtxk;M>eo;wz.wuh>I

• vJRqlrl;'D;cDvh.uFdw>wl>vdmuGJrkmw>trl;ACkm'D;erd>ey> wuh>I CkuG>cDvh.

uFdw>&J.w>usJRA'ftrh>csX;(y)wz.vXwDRxDuFdzdwz.t*D> wuh>I

• wJoud;w>'D;AcDvh.uFdzdvXcgcJtHRwz.<Ao&.od.vdw>vX0JRusdRwcg vXzF.pdrdRt

ylR<A'D;cDvh.uFdySR[h.ul.[h.z;w>wz.vXw>rRvdoh. ng b. C;cDvh.uFdtw>td.

rlwuh>I

uFLeH,X.§pHeH,X. A

zJwDRxDuFdw>rRvdeH.

11 • qJ;vDRrHR'D;[H;M>'d;pJ;APSAT/NMSQTIAxH.vdmoud;'D;euFdtySR

[h.ul.w>vXw>wX.yD.wJoud;APSAT/NMSQTAtr;t*D>wuh>I

• Ckoh.ngvXArh>w>[h.APLANA'D;AACTAvXeuFd{gAw[h.{gt *h> wuh>I

• uwJmuwDRo;vXA vg,ElRtg&HRARegentsAw>'d;pJ;t*D>wuh>I

• Ckoh.ngA'D;qJ;vDRrHRvXASATAw>uwDR qdo;w>rRvdvXw>p; xD.0JzJ vg ,ElRtg&HRA

rhwrh>AvgzhR-bLRtg&HRtylR= &J.usJRvXAu'd;pJ;ASAT zJvgrhRArhwrh>Avg,lRtylRM.wuh>I

• erh>EkmvDRAqJ;vDRerHRvXAAPAw>rRvdtylRM.A qJ;rRw>uwJmuwDR o;vXAw>'d;pJ;zJvgrhR

tylRwuh>I

• erh>ymvDRo;Au'd;pJ;ASATAzJvgrhRM.AxH.vdmeo; 'D;euFd tySR [h.Aul.w>vX

w>oHuG>b.C;w>rReD.rRCgtw>oHuG>t*h>wuh>I

• 'd;pJ;Aw>EkmvDRcDvh.uFdtw>'d;pJ;'ftrh>ASAT,ASATAtvHmw>'d;pJ;<A 'D;/rhwrh>AACTAwuh>I

• qJ;CkxH.M>cDvh.uFdw>rRvdvXwDRxDuFdtylRvXwtd.'D;tbl;tvJA'D;t y OR

b.0JvXw>rRpSRvDRcDvh.uFdw>tyORuvHRt*D>M.wuh>I

• qJ;rRw>'fySRrkmo;rRuvDw>zd<Arhwrh>AEkmvDRrRvdoho;vXw>vD> vX t

b.xGJ'D;ecDvh.uFdtw>o;pJtvD> wuh>I

• &hvdmrRb.xGJeo;'D;cDvh.uFdvD>u0DRw>[l;w>*JRwz.vXw>uwJm

uwDRo;vXcDvh.uFdt*D>M. wuh>I

• rRvdoh.ngo;b.C;usd.phw>rRpXR'D;w>xD.usd.phw>rRpXRtw> td.zSd.

wJoud;Ckm'D;erd>ey>wuh>I

• wJoud;w>'D;euFdySR[h.ul.w>b.C;ul.ohphqD.xGJt*h>wuh>I

• EkmvDRy.CkmvXcDvh.uFdw>qgw>yORvHmvJ>trl;zJw>*d>xD.oDuwD>

'D;qJ; rRw>Ckoh.ngb.C;cDvh.uFd'D;w>zH;w>rRtw>CkxXwz.t *h>wuh>IA

Ckoh.ngcDvh.uFdzJEFL,D;uD>pJ.tw>rRpSRvDRw>od.vdtvJ vX ySR td.qd;

zJEFL,D;uD>pJ.wz.t*D>wuh>I

• [;td.oud;cDvh.uFdweDRvXtxk;M>eo;'D;usJ;pX;ymyeD.w>td.o; vXtrR*kRxD.

yoDxD.eRvXcDvh.uFdvXtqH;Arhwrh>At'd.tylRw uh>I

• oh.eD.xD.vXAeub.td.bSH;td.ogA'fod;erRw>AtywD>xDuwX>uohM.wuh>IA

rR'd.xD.vJRxD.ew>wdmusJR'D;cgxD.ecD. cg vXtd.'D; tuH>tpDttguwX>'D;w>rRpSR

vDRw>ud> w> *DRw>o;qD.wH>wz. t*D>wuh>I

12 • xH.vdmo;'D;euFdtySR[h.ul.w>wbd,l>CDvXw>rRvDRwH>b.C; w>'d;M>w>rR

vdvXtvD>td.0JvXew>zsdxD.uFdt*D>wuh>I

• [H;M>ASATArhwrh>AACTAtqXuwD>cHbsDwbsDwuh>I

• rRtgxD.e0D>}oJcDzsdw>pl;ug0J'.eeD>up>tusdmvXw>rRvdM>vHmzsX. t*H>cD.xH;

A(vDRqD'.w>vX&drhRusdmwz.)I

• rRoud;w>'D;AESOLAto&.o&.rk.wz.AvXw>rR*hRxD.ecDvh. uFd t w>uGJ;wuh>IA

vXew>uGJ;tylRwdReD.Cmew>*H>ql.<ACkm'D;w> oh usdm cHusdmArhwrh>Aw>ohusdmtgusdm<A

vXw>o;pGHuwkR 'D;w>ymvDR o; usXRrkq+ tylR<A'D;uH>pDw>ohw>b.vXw>rR

eXRuGHmw>wRvDRw><A'D; w>uJcd.uJe>tw>ohw>b.wz.wuh>I

• ywHxD.cDvh.uFdI

• zJw>*d>xD.oD0HRtvD>cH=

• rR0HRrRuwX>uGHmecDvh.uFdtw>&J.vDRusJRvDRwuh>I

• qSXxD.ew>'d;pJ;tr;vXtzd;oJp;qlecDvh.uFdwuh>I

• rR0HRrRuwX>'D;qSXCDRu,J>rh>ew>ywHxD.wz.wuh>I

• zJw>*d>cgtwD>ylR=

• ywHxD.ul.ohphqD.xGJI

• rRoud;w>'D;ySR[h.ul.w>'D;rd>y>vXw>rRySJR'D;qSXxD.e FAFSAAzJvg,ElRtg&HRIA1=vgrR%S;A2oDA('fcV'f*hR)M.vDRI

• qSXw>pH;bsK;pH;zSd.tw>uGJ;qlySRud;*R'J;vXtrRpXReRwz.ttd.A

('D; td.'D;w>qJ;usd;'D;t0Joh.)Awuh>IArRoud;w>'D;eo&.o&.rk.wz.

vXw>uGJ;Arhwrh>Aw>z;uG>uhRew>uGJ;eD.t*D>wuh>I

• w>ud>xD.oDuwD>=

• oh.ngw>bd;b.oh.ngvXt[JcDzsdcDvh.uFdIAqSXCDRew>ymvDRqd uFd t vJzJvgrhRA1AoDI

• rR0HRu,J>rh>ew>'d;pJ;wz.wuh>I

• o;ckrRvRuyDRI

• 'k;td.xD.evHmeH.vHmvgvXw>rReD.CmArk>eHRrk>oD'D;w>oh.eHRz;oD trk>eHRvXt&h'd.

wz.vXtb.C;'D;w>ywHxD.cDvh.uFd<Ausd. phw> rR pXR<A'D;ul. ohphqD.xGJw>rRpXR

t*D>wuh>I

• ymCmcDvh.uFdtw>*h>w>usdRwz.wylRCDvXAvHm}wHmw>rReD.wcgCDtylRwuh>I

• qJ;vDRrReD.erHRvXA SAT, SAT Aw>'d;pJ;t vHm<A'D;A ACT w>'d;pJ;t *D> wuh>I

• uG>u'guhRw>ywHxD.cDvh.uFdtw>&J.vDRusJRvDRtp&D'D;p;xD.rRySJR w>ywHxD.

w>wz.wuh>I

• oHuG>euFdtySR[h.ul.w>b.C;w>rRqdw>qXwJm/w>rRqdtw>[l; w>*JR

t*h>wuh>I

• rRM>w>tk.o;tvHmy&XcHbh.Arhwrh>AoXbh.wuh>I

• uGJ;w>uGJ;y}wdmqdvXAw>ywHxD.ecDvh.uFd'D;ul.ohphqD.xGJt*D>wuh>I

• Ckoh.ng Ab.C;rh>etd.'D;cGJ;,mvXw>'d;M>b.AEOP/HEOP Aw>rRpXR t*h>cDzsde

uFdtySR[h.ul.w>ttd.wuh>I

w>eJ.usJ

q

lA

c

Dv

h.

u

Fd

w>EkmvDRcDvh.uFdtw>eJ.usJvXA

ySRrRvdtJuvH;usdmzd/ySRrR vdw>zd vX

tpl;ugusdmtgusdmvX

EFL,D; (NEW YORK) uD>pJ.tylR

w

>

u

G>

w

y

sHm

w

y

sm

A

w

DR

x

Du

Fdw

>

r

R

v

dr

R

'

d;

v

X

t

c

V

w

>

r

R

v

dt

w

DR

A

t

p

SR

u

w

X

>

v

X

A

e

u

b

.

A

r

R

t

DR

z

Jw

DR

x

Du

Fdt

u

w

D>

v

X

e

u

z

sdx

D.

u

Fdz

JE

FL

,

D;

A

(

New York)AuD>

p

J.

t

y

lR

t

*

D>

=

w

>

r

R

v

dt

y

s

Dv

X

t

v

d.

b

.

y

SR

r

R

w

>

z

dv

X

t

o

hu

w

dR

u

s

dm

c

Hu

s

dm

t

Ju

v

H;

u

sdm

A

A

4

A

jc

J;

'

h;

y

SR

w

0

X

w

>

r

R

v

dA

4

A

jc

J;

'

h;

• [D.

c

d.

w

>

p

H.

p

dR

w

Jp

dR

A

2

A

• uD>

t

r

J&

u

R

w

>

p

H.

p

dR

w

Jp

dR

A

1

• uD>

y

'

d.

A

I

5

• rk>usdR

0

JR

u

Gm

A

I

5

w

>

*

H>

w

>

'

G;

A

3

A

jc

J;

'

h;

u

sdm

t

*

R

v

X

A

w

r

h>

t

Ju

v

H;

u

sdm

A

1

A

jc

J;

'

h;

(LOTE)

w

>

t

d.

q

l.

t

d.

c

V

t

w

>

u

G>

x

GJ

u

o

H.

o

&

.

<

A

u

o

H.

o

&

.

v

DR

q

DA

u

o

H.

o

&

.

r

k.

v

X

t

r

R

e

D.

q

J;

v

DR

r

HR

<

A

q

l.

c

V

t

y

SR

r

R

p

X

R

w

>

z

d<

A

u

o

H.

o

&

.

t

y

SR

r

R

p

X

R

w

>

<

A

y

SR

r

R

p

X

R

w

>

t

d.

q

l.

t

d.

c

V

v

X

[

H.

w

>

w

l>

w

HR

w

l>

w

r

SHR

y

SR

u

G>

x

GJw

>

<

A

w

>

[

;

u

o

k.

v

D>

w

>

r

R

r

l'

gc

d.

<

A

[

H.

'

GJw

>

r

R

r

l'

gc

d.

<

A

y

SR

u

GJ;

p

&

ht

p

D>

e

DR

c

d.

w

>o

d.

v

de

J.

v

d

u

Fdo

&

.

<Ay

SRu

w

dRu

sdmc

Hu

sdmo

hA

u

Fdo

&

.

AENL y

SRe

J.

w

><Aw

>e

J.

u

sJt

y

SR[

h.

u

l.

w

>

u

sd.

p

h*

h>0

D

p

hw

X;

t

y

SR

z

D.

p

hp

&

D<

A

u

sd.

p

h*

h>0

Dy

SR

[

h.

u

l.

w

><

A

w

>b

sXv

DR

p

ht

p

hw

X;

u

p

><

A

y

SR

z

D.

p

hp

&

D

0

Hp

dm

w

Dq

SXw

>r

R

y

SR

r

R

w

>z

dv

Xu

b

D,

lR

0

Hp

dm

w

Dq

SX0

JR

u

sdR

<

A

w

>q

J;

u

sd;

q

J;

u

sX&

hv

dm

'

D;

u

r

sX>

t

y

SR

o

hy

SR

b

.

p

J.

e

DR

<

A

w

>q

J;

u

sd;

&

hv

dm

b

.

C

;

w

>u

p

D.

r

H'

,

X.

r

l'

gc

d.

w

>

'

k;

v

lR

y

dm

r

R

x

GJw

>

b

sX

o

Jp

;

y

X

R

u

D>

c

d.

<

A

y

SR

C

dx

Ho

h.

n

g

w

>

<

A

y

SR

c

d;

w

>

b

H.

w

>

b

X

z

d<

A

w

>

u

G>

x

GJA

w

>

o

u

Jm

y

0

;

t

r

l'

g

c

d.

<

A

w

>

b

SDb

.

w

>

u

r

.

r

l'

g

c

d.

w

>q

D.x

GJrRpXRySRw

0X

[

H.zdC

Dzdt

ySR*h>0DySRrR

w

>zd<Aw

>t

Du

o

H.rlRb

SD;A

ySR*h>0DySRrRw

> zd<A

w

>yXq

SXo

k;u

sJRySR

*h>0Dw

>zH;w

>rR

w

>

q

D.

x

GJr

R

p

X

R

y

SR

y

OR

w

>

z

d

w

>

q

g

w

>

y

OR

y

SR

u

GJ;

p

hp

&

h<

A

y

SR

'

k;

e

J.

w

>

<

A

y

X

q

SX

w

>

r

l'

g

c

d

.

b

.

C

;

w

>

q

g

u

p

J;

u

p

D;

t

u

s;

<

A

y

SR

o

hy

SR

b

.

v

X

A

t

q

D.

x

GJr

R

p

X

R

c

D.

z

FL

.

x

X

.

w

>

r

R

<

A

w

>

r

R

p

X

R

y

SR

y

OR

w

>

z

dt

c

X

.

p

;

w

>q

J;u

sd;q

J;u

sX

y

SR

u

GJ;u

sd;x

Hw

><A

w

>q

J;u

sd;q

J;u

sX&

hv

dm

'

D;

u

r

sX>y

SR

o

hy

SR

b

.

p

J.

e

D><A

y

SR

u

GJ;w

>u

p

D.

<Aw

>q

J;u

sd;

&

hv

dm

b

.

C

; w

>u

p

D.

r

H'

,

X.

r

l'

gc

d.

0D>}oJ

w>rRvdrR'd;vXw>od.vdrd>yS>tcsXA=Aw>rRvdrR'd;tw>[l;w>*JRvXtvDRqDM>'H;nD Ek> ew> rRvdrR'd;

w>ymvD>ymusJvXtywD>xDA(AP)A=Aw>&J.w>usJRvXw>[h.eR cDvh. uFd tr;zJvXerRvdwDRxDuFdtqXuwD>I

PSAT =Aw>orHord;b.C;w>rRvdrR'd;tcD.xH;cD.bdtw> 'd;pJ; vX w>uwJmuwDRo;vXASATAt*D>I

w>rRvdoho;A=Aw>&J.w>usJRvXt[h.xD.w>vJRcDzsdvXySRp; xD.rR w>zH;w>rRt*D>M.vDRI

w>ymzSd.tr; A=Aw>vJRxD.vJRxDvXw>rRM> AjcJ;'h;teD.*H> eD.'G; 'D;tvD>td.vXeub.zsdxD.wDRxDuFdM.vDRI

cDvh.uFdtrl;A=Aw>[l;w>*JRzJvXcDvh.uFdvXtvDRqDvdmo;w z.qSX CDRtcX.p;vXw>ymzsgxD.b.C;t0Joh.t uFdt*h>t usdRM.vDRI

NMSQT =Aw>CkxXrRul.ohphqD.xGJtbl.twD>w>'d;pJ;vX w>qd urd.uG>xHb.C;e-uX;0Jb.0J'D;cDvh.uFdul.ohphqD.xGJ tcGJ; t ,m t*h>M.vDRI

SAT =Aw>orHord;rRuG>b.C;w>rRvdrR'd;tw>'d;pJ;vXw> cHuG> pDR uG>0J'.ew>ohuGJ;ohz;<Aw>uGJ;<A'D;w>bh.vDRw>*h>uDtw> oh w> b.

vXw>qdurd.uG>xHb.C;w>vXerRt*hRuwX>vXe cD vh.uFd tylR t *h>M.vDRIAcDvh.uFdpl;ug0J'.ASATAtw> pH.nD.wJmA vXtrh>A w>uwl>vdm A

rhwrh>A w>w wl> vdm eRvXt0Joh.tuFd{gM.vDRI

ACT =AtrJ&uRcDvh.uFdtw>'d;pJ;AcHuG>pDRuG>0J'.Aew>rRvdt uH>pD w>ohw>b.vXtJuvH;usdm<Aw>*H>w>'G;<Aw>z;vHmz;vJ><A 'D;pJth. *hR

xJvJ.t*h>vDRIAcDvh.uFdpl;ug0J'. ACTAtw> pH.nD. wJmA vXtrh>A w>uwl>vdm A rhwrh>A w>w wl> vdm eRvXt0Joh.tuFd{gM.vDRI

w>&J.w>usJRA= Aw>tcD.xH;cD.bdb.C; ACT uwJmuwDRymM> eR AACTAvXe*D>M.vDRI

EOP/HEOP = Aw>rRvdrR'd;tcGJ;t,mw>&J.w>usJR§w>rRvdrR 'd;t cGJ;t,mvXtxDtw>&J.w>usJRA[h.tw>wdpXRrRpXR'D; usd.ph w>rRpXR

AqlySREkmvDRtd.qd;obVvXEFL,D;uD>pJ.A(New York State)AtcDvh.uFd 'D; zF.pdrdRvX EFL ,D;uD>pJ.A(New York State)AtylRt*D>M.vDRI

w>ywHxD.vXwtd.'D;tyORuvHRvXzJ.'&X.uD>pXzSd.uFdzdw>rR pXR t *D>A(FAFSA)A=AFAFSA AtvHm wuGD.'dw>pl;ug0J'.vX w> y wH xD. uFdzdusd.

phw>rRpXRt*D>cDzsdxHuD>y'd.tzJ.'&X.uD>pX zSd. 'D; uD>pJ. t td.<ACkm'D;cDvh.uFd'D;zF.pdrdRuFdwz.M.vDRIAy'd. pl;ugAw>*h>w>usdRvXAeAFAFSA A vXw>qdurd.uG>xHb.C;w>wdpXR rRpXR vXerk>v> vX e[H.zdCDzdttd. A(EFC) M.vDRIAeqSd;xD. w>*h>ohz; www.fafsa.ed.govAvDRI

w>ywHxD.'ftnDEk>A=Aw>ywHxD.'ftnDEk>Arh>0J'.w>ywH xD. w> EkmvDRcDvh.uFdvXcDvh.uFdzdA517A*Rw*Rv>v>t*D>M.vDRI

w>tbl;tvJvXtd.vDRwJmA=Aw>tbl;tvJvXtd.vDRwJmArhwrh>Aw> xk;xD. w>tbl;tvJvXAeD>up>t xX. ylRrh>0J'. cDvh.uFd tbl;tvJ tphtd.

wh> vX ph p &D ylRcJvXmymzSd.M.vDRIA rh>w>vDRqDvdmo;vX w>EkmvDRt yORu vHR 'D;w> [h.rRpXRphtbX.pXRM.vDRIA rh>0J'.phteD.*H> AvX eub.[h.

cDzsdeph ymuDR<Aw>[JEkm<A'D; vX w>[H;vd>tDRAvXw>rRySJRcDvh. uFdtw>vXm bl.vXm phRt *D> M.vDRI

p

Jt

h.

A

3

A

jc

J;

'

h;

• pJth.

w

>

r

lt

d.

,

X

R

A

1

• b.

C

;

p

Jt

h.

e

D>

c

du

h>

*

DR

A

1

• pJth.

w

>

r

lt

d.

,

X

R

A

r

hw

r

h>

A

e

D>

c

du

h>

*

DR

t

y

lR

A

1

b

.

C

;

'

GJv

R

y

Dn

g<

A

w

>

o

l.

0

H.

o

;

q

X

e

D>

e

D>

A

1

A

jc

J;

'

h;

w

>

*

JR

u

v

H.

<

A

'

D;

/

r

hw

r

h>

A

w

>

y

F;

w

>

t

v

D>

b

.

C

;

e

D>

c

du

h>

*

DR

w

>

u

l.

b

.

u

l.

o

hA

2

A

jc

J;

'

h;

w

>

t

d.

q

l.

t

d.

c

V

A

I

5

A

jc

J;

'

h;

w

>

C

kx

X

w

>

r

R

v

dt

u

sdR

t

u

sJA

3

I

5

A

jc

J;

'

h;