1. Sponsored by Welcome COUNTRY Financial® proudly provides financial literacy education to your classroom. Financial literacy is important, no matter how old you are and no matter your goals. Understanding money allows you to make more informed choices and to be better able to pursue your dreams. Congratulations on taking this first step in becoming more financially savvy.

2. + Financing College A Financial Beginnings Financial Education Program

3. + What different ways can you pay for college? SavingsGrantsLoansScholarships

4. + What are we doing today? We will: Explore the different options available to pay for college Review available college loans, various interest accumulation methods, and pay-back options Learn the basics of the FAFSA and where to find additional support in completing your application Learn how to compare finance packages

5. + Do you have money stashed away? Copyright © 2014 Financial Beginnings, all rights reserved. Are your parents contributing?

6. + Grants Federal Pell Grants Federal Supplemental Education Opportunity Grants Teacher Education Assistance for College and Higher Education Grants Iraq and Afghanistan Service Grants SOURCE: U.S. Department of Education 2013 Copyright © 2014 Financial Beginnings, all rights reserved.

7. + Scholarships Financial aid office High School U.S. Department of Labor Federal agencies Your state grant agency Your library reference section Foundations, religious or community organizations, local businesses, or civic groups Organizations related to your field of interest Ethnicity-based organizations Your employer or your parents’ employers Copyright © 2014 Financial Beginnings, all rights reserved.

8. + Loans Copyright © 2014 Financial Beginnings, all rights reserved.

9. + Understanding Your Loans Federal Student Loans Direct Subsidized Loans Direct Unsubsidized Loans Direct PLUS Loans for Parents Direct PLUS loans for Grad or Professional Students Perkins Loans Direct Consolidated Loans Not sure which type of loans you have? www.NSLDS.ed.govwww.NSLDS.ed.gov Copyright © 2014 Financial Beginnings, all rights reserved. SOURCE: U.S. Department of Education 2013

10. + Federal vs. Private Loans Differences Payments start Interest rate Interest while in school Tax deductibility Federal After school Fixed and lower Interest can be paid Interest deductible Private Can be while in school Higher and may be variable Interest accrues in school May not be deductible SOURCE: U.S. Department of Education 2013 Copyright © 2014 Financial Beginnings, all rights reserved.

11. Apply for Aid: FAFSA Takes less than 30 minutes to complete online at www.fafsa. govwww.fafsa. gov Real-time help is available via online chat or by phone at 1-800-4-FED-AID IRS Data Retrieval Tool pre-populates tax information Determines family’s ability to contribute to cost of attendance Resources on this website are also available in Spanish. SOURCE: U.S. Department of Education 2013 Copyright © 2014 Financial Beginnings, all rights reserved.

12. + You will need Your Federal Student Aid PIN Your Social Security number Your driver’s license number Your tax records Records of untaxed income Records of all of your assets List of the school(s) you are interested in attending SOURCE: U.S. Department of Education 2013 Copyright © 2014 Financial Beginnings, all rights reserved.

13. + After filing Double-check with your schools Review your financial aid history information Make corrections if needed Locate your Expected Family Contribution (EFC) Look out for your Student Aid Report (SAR) SOURCE: U.S. Department of Education 2013 Copyright © 2014 Financial Beginnings, all rights reserved.

14. + Wait for the offers Copyright © 2014 Financial Beginnings, all rights reserved.

15. Comparison Shopping: Financial Aid Shopping Sheet More info on Financial Aid Shopping Sheet: www.consumerfinance.gov/students/knowbefor eyouowe/ ‎ www.consumerfinance.gov/students/knowbefor eyouowe/‎ SOURCE: U.S. Department of Education 2013 Copyright © 2014 Financial Beginnings, all rights reserved.

16. + Stay Informed: StudentAid.gov SOURCE: U.S. Department of Education 2013 Copyright © 2014 Financial Beginnings, all rights reserved.

17. + Get started now Research & Apply for Scholarships Complete FAFSA in January Compare Awards Understand Loans Copyright © 2014 Financial Beginnings, all rights reserved.

18. + Got it? Do you: Understand the different options available to pay for college? Understand college loans and how interest accumulation and repayment options vary? Know the basics of the FAFSA and where to find additional support in completing an application? Know how to compare financial aid packages? Copyright © 2014 Financial Beginnings, all rights reserved.

19. Sponsored by Want to learn more? Visit countryfinancial.com/FinEd Congratulations, you are well on your way to being more financially savvy.