1. Financial Aid

2. Where to Apply FAFSA fafsa.ed.gov Apply January 1 st to March 2 nd Makes you eligible for federal and state grants, scholarships, and loans

3. What do you need You can begin filling out the FAFSA without your income tax returns. Once you complete them, go back to the FAFSA and update your financial information. Apply for a pin #. You will need this to access your information. www.pin.ed.gov

4. Scholarships www.Collegeboard.org/scholarships www.collegeboard.org/mycollegedollars http://studentaid.ed.gov www.fastweb.com

5. Loans Need-Based Loans Federal Perkins Loans are awarded by colleges to students with the highest need. Federal Direct Subsidized Loans have a borrowing limit that increases for each year of school you complete.

6. Loans Non-Need-Based Loans Federal Direct Unsubsidized Loans allow you to add the interest fees to the amount you borrowed until after graduation. But this means you’ll actually end up owing more. Federal parent PLUS Loans allow parents to borrow the total cost of college, minus any financial aid received.

7. Subsidized vs Unsubsidized The U.S. Department of Education pays the interest on a Direct Subsidized Loan –while you’re in school at least half-time –for the first six months after you leave school (referred to as a grace period*) –during a period of deferment (a postponement of loan payments).

8. Net Price Figure out the cost of attending a college. –Collegeboard.org/npc