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Financial Aid for the Utterly Confused

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ISBN-10: 0071467319

ISBN-13: 9780071467315

Edition: 2007

Authors: Anthony J. Bellia

List price: $25.00
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Description:

Includes replica forms and worksheets just like the ones used by colleges and universities Presents strategies on preparing financially to cover high college costs Features a list of the top 50 scholarships for students
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Book details

List price: $25.00
Copyright year: 2007
Publisher: McGraw-Hill Education
Publication date: 9/19/2006
Binding: Paperback
Pages: 256
Size: 7.25" wide x 9.00" long x 1.00" tall
Weight: 1.034
Language: English

Acknowledgments
Introduction
Early Financial Planning Strategies
Early Financial Planning Strategies
Estimating Future College Cost
Developing a Savings Plan
College Savings Plan Worksheet
Savings Tips
College Savings and Investment Plans
529 State College Savings Plans
529 State Prepaid Plans
Independent 529 Plan
Coverdell Education Savings Account
Custodial Accounts
Savings Bonds
Roth IRA
Taxable Accounts
Education Tax Credit
The Hope Scholarship (Tax Credit)
The Lifetime Learning Tax Credit
State Prepaid Tuition and/or State College Savings Plan
Some Tips for Maximizing Your Aid Eligibility
Tips
Collection of Additional Information by Colleges
The Real Cost of a College Education
The Real Cost of College
Affordability Facts
The Wide Range of College Options
Two-Year College Option
Tuition Charges at Public Colleges and Universities for Non-State Residents
Estimating the Sticker Price of a College
Sticker Price versus Net Price
Colleges' Concerns about Sticker Price
Financial Need Varies According to College Cost
Student Financial Aid: Myth and Reality
College Is Just Too Expensive for Our Family
There Is Less Aid Available Than There Used to Be
You Have to Be a Minority to Get Aid
My Parents' Income Is Too High to Qualify for Aid
The Financial Aid Form Is Too Hard to Fill Out
My Parents Saved for College, so We Won't Qualify
Only Students with Good Grades Get Financial Aid
If I Apply for a Loan, Then I Have to Take It
Working Will Hurt My Academic Success
I Should Live at Home to Cut Costs
Private Schools Are Out of Reach for My Family
Millions of Dollars in Scholarships Go Unused Every Year
My Folks Will Have to Sell Their Home
Student Aid Programs
Submitting Your Application: the FAFSA
Annual Submission
The FAFSA
Processing the FAFSA
What Happens After You Submit the Financial Aid Forms?
Federal Verification for Federal Student Aid Programs
Supplemental Aid
CSS/Profile Form
Institutional Aid Application
General State Residency Guidelines
Student Financial Aid Programs
Federal Student Aid
State Aid Programs
Other Ways to Save Tuition Dollars at Public Colleges
New England Regional Student Program (RSP)
Academic Common Market
Midwest Student Exchange Program
Western Interstate Commission for Higher Education
College-Sponsored Aid Programs
Athletic Money
National Collegiate Athletic Association (NCAA)
National Association of Intercollegiate Athletics (NAIA)
Military Financial Assistance Opportunities
Montgomery GI Bill (MGIB)
Montgomery GI Bill for Selected Reserve Training (MGIR-SR)
Tuition Assistance Top-Up Benefit
Reserve Officer Training Corps (ROTC)
Health-Related Programs
United States Military Academies
College Loan Repayment Programs
College Fund Program
State Educational Assistance
Rotary International Scholarships
Ambassadorial Scholarships
Application Procedure
Aid for Students With Disabilities
Where to Look
Other Sources of Funds
College Planning Calendar, Middle School to High School Senior Year
Middle School
Grade 9: Freshman Year
Grade 10: Sophomore Year
Grade 11: Junior Year-Fall/Winter
Grade 11: Junior Year-Spring
Summer before Grade 12: Senior Year
Grade 12: Senior Year-Fall (September to December)
Grade 12: Senior Year-Winter (January to March)
Grade 12: Senior Year-Spring (April to May)
Summer Before College
Summary: Financial Aid Applications
November/December
January/February
Your Share of the Cost of a College Education
Federal Methodology
Institutional Methodology
Calculating the Expected Family Contribution Under federal Methodology
Principles of Need Analysis
Calculating the Expected Family Contribution
Financial Need Calculation
Simplified Need Analysis Formula
Dependent Students
Independent Students
Who Automatically Qualifies for a Zero EFC?
Independent Students
Who is Considered a Parent?
Definitions
Non-Custodial Parent
Home Schoolers and Federal Student Aid
Independent versus Dependent Status
Special Circumstances
Student Financial Aid Office and Award Notification Process
The Role of the College Student Financial Aid Office
Award Letter Notification
Determining Student Financial Need
Reviewing the Award Letter
Case Studies: How Aid Packages Will Differ
"Let's Make a Deal": Appealing the Aid Package
How Outside Private Scholarships Affect the Aid Package
How Will the Receipt of an Outside Scholarship Affect My Financial Aid Package?
Post-Enrollment Activity With The Financial Aid Office
Student Debt: An Investment in Your Future
Investment with a Return
What Is Reasonable Debt?
Tips for Borrowing
Incentives from Lenders
Loan Repayment Plans
Standard Repayment Loan Plan
Graduated Repayment Plan
Loan Consolidation Plans
Income Sensitive Plan
The Extended Repayment Plan
Other Financial Terms
Calculating Estimated Loan Repayments
Alternative Loan Programs
Websites and Telephone Numbers for the Private Student Loan Lenders
Controlling the Cost of a College Education
Cell Phones
Credit Cards
Leave the Car at Home
Purchasing School Supplies
Selecting the Right Meal Plan
Travel to and from College
Checking Accounts
Preventing Identity Theft
Three-Year BA/BS Programs
What Are the Benefits of Graduating in Three Years?
Advanced Placement/College Credit Courses
Some Other Tips
Options for Paying College Expenses
Loan Programs to Finance Parental Contribution and Unmet Need
Your Credit Score
Financing Options
College-Sponsored Payment And Loan Programs
Home Equity Lines of Credit/Home Equity Loans
Home Equity Line of Credit
Home Equity Loan
Federal Loan
Federal Plus Loan
Alternative Loans
Other Financing Options
Retirement/IRA Plans
Life Insurance Loans
Will Loans Impact the Student Aid Formula?
Consultants, Scholarship Search Companies and Other Resources
Financial Aid Consultants
Selling Points for Financial Aid Consulting Companies
Consultant Services
Guidelines to Consider Before Hiring a Consultant
Negative Experiences
Financial Aid Source Books
Scholarship Search Companies: Private Scholarships
Scholarship Assistance
Materials to Submit
Scholarship Letter Tips
How to Identify a Scholarship Scam Company
Internet Resources
Financial Aid Resources in Spanish
Websites
Sample of Publications and Aid Applications
Tips: College search and Financial Aid Process
High School First Steps
Understanding Tuition Costs
Applying for Student Financial Aid
Merit, Athletic, and Private Scholarship Opportunities
College Selection/Award Letter Process
Renewing Financial Aid/Individual College Policy
Student Loans
Cutting College Costs
Parents
Appendix
Glossary
Index