Paying for School Help
MM
A
Those Scary College Costs
Playing the New Admissions Game
Save First, Then Borrow
Hoping for a Miracle
What to Chop?
Financial Aid Planning Checklist
Planner Help
PLN
Kaplan
CRE
Meetinghouse
Help
TBD
Financial Aid Packaging
Accepting/Rejecting a Package
Aid From Year To Year
Talking to an Aid Advisor
Adjustments to the EFC
Negotiating Your Package
Negotiating "The Gap"
Special Circumstances
Competing Schools
Who Should Negotiate?
How to Negotiate
Appealing COA Budget
After You Enter School...
Outside Source Scholarships
Evaluating Package Elements
Weigh All Options
Prioritize
Negotiate
Compare Long Term Benefits
If a School Meets Your Needs
Compare Loan Terms
Before Analyzing Packages
Sample Package and Analysis
C
Billing
MFN
Free Money
Federal Pell Grant
Pell Grant Eligibility Affects Student Aid
Federal Campus-Based Programs
FSEOG (Federal Supplemental Educational Opportunity Grant)
Scholarships
Need-Based Aid
Merit-Based Aid
When to Look for Scholarships
Applying for Scholarships
The Scholarship Essay
Creating a Resume
Maximize Your Chances for Merit Aid
Institutional Aid
Outside Scholarships
Scholarship Suggestions
Left-Handed Bagpipers, Listen Up!
Outside Scholarships and Financial Aid Awards
Private Scholarships and Need
Scholarships and the Non-Traditional Student
Scholarship Search Services
Scholarships and Taxes
School Award Amounts
Additional Sources of Free Money
State Assistance
Veteran's Educational Benefits
Employee Tuition Benefits
Reciprocal Tuition Benefits
RCS
Think About It...
Cost of Attendance
Some Statistics
Public Schools
Cost Factors
How Schools are Cutting Costs
Minimizing the Cost
Costs of Living: Direct and Indirect
Community Colleges
Good Schools at Bargain Rates
YSC
Misconceptions About Financial Aid
What You Need to Begin
The Application Process
The CSS/Financial Aid PROFILE
FAFSA (Free Application for Federal Student Aid)
Applying with Income Estimates
Filing Pointers
Renewal FAFSA
State Forms
Transfer Applications
International Students
Summer School and Financial Aid
The Acknowledgment Letter
The Award Letter
Financial Aid Timetable in Brief
The School's Cost of Attendance
An Inside Look at How You Are Evaluated
Dependent Status and the Family
Independent Criteria
Assets and Income
Allowances
How Different Factors Affect Your EFC
The Magic Formulas
Calculating Your EFC Based on the FM
Early Decision and Financial Aid
Leave of Absence/Taking a Semester Off
Available Assistance
Some of the Old Ways Don't Work So Well Now
Additional Sources of Information
Financial Aid Rights and Responsibilities
MFS
Self-Help Aid
Sources of Federal Self-Help Aid
Additional Sources of Self-Help
Campus-Based Aid
Federal Work Study
State Work Study
Federal Perkins Loan
Part Time Jobs
Loans
Loan Facts
Loan Tips
The Benefits of Education Loans
Need and Non Need-Based Loans
Loans and a School's Accreditation
Shopping for Rates
Loan Repayments and Defaulting
Cost of Attendance and Loan Amount
How Students Repay
Loan Forgiveness Program
Loan Consolidation
Loan Questions and Answers
Should I take out a loan?
How much should I borrow?
Needing a car and a student loan
How will I know my monthly payment schedule?
Should I borrow all four years at once?
How much do I make for loan payments?
What is defaulting?
What should I know about frequency of default?
What is a grace period?
What is deferment?
What is forbearance?
Why are interest payments important?
What are subsidized and unsubsidized loans?
How can I find a lender?
What are my borrower responsibilities?
What will I learn in an entrance interview?
What will I learn in an exit interview?
What if I have a Direct or FFEL Stafford Loan?
What are Guaranteed Loans?
How do I apply for need-based loans?
What loans are parents responsible for?
When should I apply for a loan?
How long does it take to get a loan?
What about loan applications?
What are some finance alternatives?
How do I handle loans?
FFEL (The Federal Family Education Loan Program)
FFEL vs. Ford Federal Direct Loan Program
Subsidized Federal Stafford Loan
Unsubsidized Federal Stafford Loan
FFEL Federal PLUS
Federal Direct Loan Program
Direct Subsidized Stafford Loan
Direct Unsubsidized Stafford Loan
Direct PLUS Loan
Consolidation Loans
Direct Consolidation Loan
FFEL Consolidation Loan
Loan Deferment Summary
Discharge/Cancellation Summary
KapLoan
Credit Pre-Approval
Resources on the World Wide Web
State Loans
Private Loans
Community Awards
Cooperative Education (Co-Op)
Money for Military Service
Army, Navy, and Air Force ROTC
U.S. Army
Money for Community Service
AmeriCorps
YOM
What This Section Is About
How to Manage Monthly Payments
Sources of Money
Investments
Past Savings
Present Income
Buy Now, Pay Later
Investing for College: An Overview
Investing for College: Step by Step
Investment Questions and Answers
The Best Time to Sell Stocks and Bonds for College is...?
What about Savings Bonds?
What About Zero Coupon Bonds?
What is a Mortgage?
What is a Home Equity Loan?
What are the Advantages of a Home Equity Loan?
What are the Pitfalls of a Home Equity Loan?
What is a Home Equity Line of Credit?
What About Home Refinancing?
Assets: My Name or Theirs?
Additional Money/Finance Sources
Credit Unions
Deferred Payment Option
Installment Plans
Money by Major
Prepaying Student Loans
School-Sponsored Loans and Lines of Credit
Tuition Prepayment Plans
Some Suggestions for Parents to Finance Their Share of the Cost
Paying as You Go From Current Income and Assets
Borrowing Your Share From PLUS Loan
Combining PLUS with Savings
Home Equity Borrowing
Overall Recommendations
Student Earnings and Financial Aid
Money Management for Students
Checking and Savings
Credit Cards
Last Minute Advice for Students and Parents
What Students Can Do
What Parents Can Do