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College Payment Options

Financial Aid:

1. The first step to qualifying for United States federal student aid is the completion of the Free Application for Federal Student Aid (FAFSA) with the U.S. Department of Education.

2. The main document that a FAFSA use for its determination of eligibility is your own and your parents completed and submitted IRS Tax Form 1040.

3. FAFSA will assign the student an expected family contribution (EFC) amount. This calculation impacts financial aid and some other federal sponsored loans and grants. The EFC is the minimum amount colleges expect you and your family to pay per each year of college.

4. The EFC is recalculated each year based on information from your annual FAFSA application.

5. Colleges subtract your EFC from their cost of attendance (COA) to calculate your financial need, which in turn determines the amount of financial aid you will receive.

6. Some of the most important documents used by FAFSA is your own and your parent’s income tax return, business records, banking information, investments, Records of your untaxed income, such as child support received, interest income, and veterans noneducation benefits, for you, and for your parents if you are a dependent student.

7. Colleges must use the EFC calculated by the government when awarding federal and state aid. They also use it to determine the amount of institutional aid such as alumni endowments, which are not based solely on academics.

8. The real cost of college is called the net price. The net price includes your EFC, any financial need that your college doesn't cover, and any financial aid in the form of loans or earnings from work-study.

9. Students and their families need to be prepared to cover any financial needs that aren’t being met by loans, personal resources and work-study aid if the student qualifies for it. Paying for college includes not only tuition, but also out-of-pocket money spent to pay for things not covered by another entity.

FinancialAidTips.org

If you want a college education, and you've got the taent and the drive to achieve it, the money you need to help you make your dreams come true is out there. Our website will show you your financial aid options, and help you chart your course, and take the necessary steps to getting that degree.


Where to Find Information on Financial Aid:<

StudentAid.gov

Federal Student Aid's core mission is to ensure that all eligible individuals benefit from federal financial assistance—grants, loans, and work-study programs—for education beyond high school. The programs that they administer comprises the nation's largest source of student aid. During the 2005-06 school year alone, they provided approximately $78 billion in new aid to nearly 10 million postsecondary students and their families.


MappingYourFuture.org

Mapping Your Future is sponsored by student loan guaranty agencies – many of which are nonprofit or state agencies – from around the country. We are supported by other organizations including charitable foundations and by members of our Friends program, which include lenders, services, secondary markets, and other organizations.


Grants:

1. Grants and scholarships are often called “gift aid” because they are free money—financial aid that doesn’t have to be repaid.

2. Grants are often need-based while scholarships are usually merit-based.

3. Grants and scholarships can come from the federal government, your state government, your college or career school, or a private or nonprofit organization.

4. Grants require the student to be eligible for an award.

5. Eligibility requirements vary by the sponsoring group.

Where to Find Information on Grants:


Federal Grants.gov Federal Grants

The Department of Education (DOE) offers three (3) types of grants:


- Discretionary grants, awarded using a competitive process.

- Student loans or grants to help students attend college. .

- Formula grants use formulas determined by Congress and has no application process.


Looking to Study Abroad?


International Education Fianacial Aid (IEFA) is a resource for financial aid, college scholarship and grant information for US and international students wishing to study abroad. At this site, you will find the most comprehensive college scholarship search and grant listings plus international student loan programs and other information to promote study abroad.


IEFA.org (International Education Financial Aid)

Scholarships:

Scholarships are often called “gift aid” because they are free money—they are a form of financial aid that doesn’t have to be repaid. Grants are often need-based, while scholarships are usually merit-based. Scholarships can come from the federal government, your state government, your college or career school, or a private or nonprofit organization.


Scholarships require the student to be eligible for an award.


Eligibility requirements vary by the group sponsoring the scholarship. There are thousands of scholarships, from all kinds of organizations, and they’re not hard to find. You might be able to qualify for a scholarship based on one of the following: a student, a great basketball player, a member of a certain church, or because your parent works for a particular company, or for some other reason.


Financial Need Scholarships

Many scholarships are geared toward particular groups of people; for instance, there are scholarships for women or high school seniors.


Some Scholarships are available because of where you or your parent(s) work, or because you come from a particular background (for instance, there are scholarships for military families).


Where to Find Scholarship Information

1. Intended college's financial aid office.

2 High school guidance counselor.

3. A TRIO counselor.

The Federal Trio Program

The Federal TRIO Programs (TRIO) are federal outreach and student services programs in the United States designed to identify and provide services for individuals from disadvantaged backgrounds. The Department of Education.administers the TRIO program.

TRIO includes eight programs targeted to serve and assist low-income individuals, first-generation college students, and individuals with disabilities to progress through the academic pipeline from middle school to post-baccalaureate programs. TRIO was given its name because it started as a group of just three programs; the name is not an acronym.


Federal Trio Program (Trio Program)

FAFSA (Free Application for Federal Student Aid)


Federal Student Aid, an office of the U.S. Department of Education, ensures that all eligible individuals can benefit from federally funded or federally guaranteed financial assistance for education beyond high school.


How to apply:

FAFSA.gov (FAFSA Application)
In applying for almost any need based and some scholarships you will need to complete a Free Application for Federal Student Aid (FAFSA) for with the U.S. Department of Education, the main document that FAFSA uses for its determination of eligibility is your own (if you have worked) and your parents competed and submitted IRS Tax Form 1040.

Take Caution When Applying For Commercial Aid


Commercial financial aid advice services can cost well over $1,000. Now, simply charging for help or information that's available for free elsewhere is not fraudulent. However, if a company doesn't deliver what it promises, it's scamming you. They will collect the same information that FAFSA collects including your social security number and income information. FAFSA is a secure online site that will collect your information and assign you an expected family contribution (EFC) amount. Colleges and some agencies use this EFC as the base for awards; the EFC is a need-based assessment.
Click here to learn more about how to avoid scholarship scams.


StudentAid.gov - Looking For Student Aid Without Getting Scammed

Other Ways to Pay for College:


1.529 College Savings Plan

2.Federal Plus Loans

3.Private Student Loans

4.Home Equity Loans

5.IRA

6.Coverdell Education Savings Account

7.Savings Accounts

8.Military Programs

9.Inheritance