This document provides information about factors to consider when choosing a postsecondary institution and paying for education costs. It discusses rising tuition costs, graduation rates, credit requirements, minimum credit loads, affordability, return on investment, potential career outcomes, and financial aid options like scholarships, the FAFSA, loans, and repayment plans. Key details are highlighted for students and families to make informed decisions about college affordability and financing their education.
What Parents need to know about College Financial AidSeaNSun LLC
Our goal today is to educate you as to the rules of the game and how to win. The common theme all parents share is to send their children to the best college that they can afford in order to give their child a leg up in life without jeopardizing their retirement.
Overview of college costs, aid and trends for private and out-of-state colleges. Discussion of saving towards college using 529 plans and other choices.
Vuefolio Seminar for Dare 2B Digital Conference (Feb 28, 2015)Vuefolio
This is a copy of the presentation given by Vuefolio at the Dare 2B Digital Conference at the Oracle Conference Center in Redwood Shores on Feb 28, 2015. The focus of the talk was on college costs, financial aid and saving and paying for college.
ollege Financial Aid 101. What kinds of grants can you get? What are the Different Loan Types? The Downside to Scholarships? A quick and dirty rundown of the basics to help you make the most of your college aid application, updated for 2019-2020.
What Parents need to know about College Financial AidSeaNSun LLC
Our goal today is to educate you as to the rules of the game and how to win. The common theme all parents share is to send their children to the best college that they can afford in order to give their child a leg up in life without jeopardizing their retirement.
Overview of college costs, aid and trends for private and out-of-state colleges. Discussion of saving towards college using 529 plans and other choices.
Vuefolio Seminar for Dare 2B Digital Conference (Feb 28, 2015)Vuefolio
This is a copy of the presentation given by Vuefolio at the Dare 2B Digital Conference at the Oracle Conference Center in Redwood Shores on Feb 28, 2015. The focus of the talk was on college costs, financial aid and saving and paying for college.
ollege Financial Aid 101. What kinds of grants can you get? What are the Different Loan Types? The Downside to Scholarships? A quick and dirty rundown of the basics to help you make the most of your college aid application, updated for 2019-2020.
December 2014 Student Loan Seminar PresentationKristina Flores
Prospera Credit Union (https://myprospera.com) is a local credit union that now serves a four-county area and is strong enough to provide you with everything you need, yet small enough to know you personally and care about your and your family's prosperity. When you choose Prosepra, you become a member, not just a customer. Part of a family. A family that works together for everyone's benefit.
Prospera Credit Union's history dates back as far as 1934, when it was officially opened for business under the Banta Credit Union name. Over the years, the number of people eligible to join was expanded to include nearby counties and communities. In 2002, the name was changed to Prospera, but, our basic promise to our members has always been the same.
What's your LIFEstage?
We provide personal, tailored guidance that leads to prosperity for all our members. (https://myprospera.com/lifestages)
Starting On Your Own
Singles
Couples
Parenting Young Children
Parenting with Teenagers
Empty Nesters
Retireees
Divorce
Widow / Widower
Our services include:
Home Loans, Home Loan Rates and Current Mortgage Rates
Home Equity Loans
Auto Title Loans as well as Boat and RV Loans
Credit Cards
Personal Loans
Protection Plans
Loan Appllications
Free Bill Pay
Interest Bearing Checking
Overdraft Protection
Automatic Overdraft Transfer
Team and Club Community Checking
Share Savings
CDs, IRAs & Money Markets
Checking, Savins, CD and Money Markets
Investment Products and Services
Business Rates
Auto Calculators
Mortgage Calculators
Looking for a way to contact us? Please call us at 920-882-4800 or fill out the below contact form on our website (https://myprospera.com/contact-us)
Come visit us at one of our four locations:
Appleton Branch - 4830 N. Ballard Rd. Appleton, WI 54913
Neenah Location - 934 S. Green Bay Rd. Neenah, WI 54956
Menasha Location - 849 Warsaw St. Menasha, WI 54952
Darboy Location - N9660 County Rd. N Appleton, WI 54915
College Financial Aid 101. What kinds of grants can you get? What are the Different Loan Types? The Downside to Scholarships? A quick and dirty rundown of the basics to help you make the most of your college aid application
College is a life-changing event – for students and parents alike – and so much about it has changed since today’s parents were college students themselves. This presentation was designed to help parents of college-bound students understand the ever-changing college landscape and help them navigate it with confidence.
Preparing for college with middle schoolersLisa Allard
If you have a student in middle school, now is a great time to think ahead toward college. We’ve put together a roadmap to direct your steps and give you the information and tools you need to stay on track.
If you have a student headed to college in the fall, you’ll need to start putting together a plan to pay the college bill. We’ve created a presentation below that walks through all of your options, as well as explaining your financial aid, the college waitlist, and the timeline of the next few months.
Student Loans: What Financial Practitioners Need to Knowmilfamln
This 90-minute webinar will focus on providing financial practitioners with tools and resources to aid clients in selecting student loans. The webinar speakers will discuss research findings related to student loan research and student loan/financial aid education best practices and experience.
It’s no secret that postsecondary education is an investment, but do you find yourself asking how much it will really cost and wondering how you will pay for it?
We’ll help you determine the true cost of education after high school and go over all your options for payment – from scholarships and grants to financial aid and student loans. We’ll also cover the topic of timing – when you should begin looking into your options and what to expect from the application process.
We’ve put together a brief presentation to explain the language you’ll encounter when borrowing a college loan, how to differentiate between lenders, and ways to make sure you borrow wisely.
This session’s focus is not to provide details about the financial aid process... instead it will provide tools and tips on HOW to help families understand and navigate the financial aid process. In this session, receive materials and advice on explaining college financing options. You will also learn tips on teaching families how an education can be affordable and through what methods (grants, scholarships, loans, etc.) families pay for college. We will present questions and guidelines for families to ask themselves so they have a financial assistance plan for themselves and what to also ask colleges and universities so they gather the necessary information from institutions.We need to educate our students and their families about financial assistance—these tools of the financial assistance trade will help you do so.
December 2014 Student Loan Seminar PresentationKristina Flores
Prospera Credit Union (https://myprospera.com) is a local credit union that now serves a four-county area and is strong enough to provide you with everything you need, yet small enough to know you personally and care about your and your family's prosperity. When you choose Prosepra, you become a member, not just a customer. Part of a family. A family that works together for everyone's benefit.
Prospera Credit Union's history dates back as far as 1934, when it was officially opened for business under the Banta Credit Union name. Over the years, the number of people eligible to join was expanded to include nearby counties and communities. In 2002, the name was changed to Prospera, but, our basic promise to our members has always been the same.
What's your LIFEstage?
We provide personal, tailored guidance that leads to prosperity for all our members. (https://myprospera.com/lifestages)
Starting On Your Own
Singles
Couples
Parenting Young Children
Parenting with Teenagers
Empty Nesters
Retireees
Divorce
Widow / Widower
Our services include:
Home Loans, Home Loan Rates and Current Mortgage Rates
Home Equity Loans
Auto Title Loans as well as Boat and RV Loans
Credit Cards
Personal Loans
Protection Plans
Loan Appllications
Free Bill Pay
Interest Bearing Checking
Overdraft Protection
Automatic Overdraft Transfer
Team and Club Community Checking
Share Savings
CDs, IRAs & Money Markets
Checking, Savins, CD and Money Markets
Investment Products and Services
Business Rates
Auto Calculators
Mortgage Calculators
Looking for a way to contact us? Please call us at 920-882-4800 or fill out the below contact form on our website (https://myprospera.com/contact-us)
Come visit us at one of our four locations:
Appleton Branch - 4830 N. Ballard Rd. Appleton, WI 54913
Neenah Location - 934 S. Green Bay Rd. Neenah, WI 54956
Menasha Location - 849 Warsaw St. Menasha, WI 54952
Darboy Location - N9660 County Rd. N Appleton, WI 54915
College Financial Aid 101. What kinds of grants can you get? What are the Different Loan Types? The Downside to Scholarships? A quick and dirty rundown of the basics to help you make the most of your college aid application
College is a life-changing event – for students and parents alike – and so much about it has changed since today’s parents were college students themselves. This presentation was designed to help parents of college-bound students understand the ever-changing college landscape and help them navigate it with confidence.
Preparing for college with middle schoolersLisa Allard
If you have a student in middle school, now is a great time to think ahead toward college. We’ve put together a roadmap to direct your steps and give you the information and tools you need to stay on track.
If you have a student headed to college in the fall, you’ll need to start putting together a plan to pay the college bill. We’ve created a presentation below that walks through all of your options, as well as explaining your financial aid, the college waitlist, and the timeline of the next few months.
Student Loans: What Financial Practitioners Need to Knowmilfamln
This 90-minute webinar will focus on providing financial practitioners with tools and resources to aid clients in selecting student loans. The webinar speakers will discuss research findings related to student loan research and student loan/financial aid education best practices and experience.
It’s no secret that postsecondary education is an investment, but do you find yourself asking how much it will really cost and wondering how you will pay for it?
We’ll help you determine the true cost of education after high school and go over all your options for payment – from scholarships and grants to financial aid and student loans. We’ll also cover the topic of timing – when you should begin looking into your options and what to expect from the application process.
We’ve put together a brief presentation to explain the language you’ll encounter when borrowing a college loan, how to differentiate between lenders, and ways to make sure you borrow wisely.
This session’s focus is not to provide details about the financial aid process... instead it will provide tools and tips on HOW to help families understand and navigate the financial aid process. In this session, receive materials and advice on explaining college financing options. You will also learn tips on teaching families how an education can be affordable and through what methods (grants, scholarships, loans, etc.) families pay for college. We will present questions and guidelines for families to ask themselves so they have a financial assistance plan for themselves and what to also ask colleges and universities so they gather the necessary information from institutions.We need to educate our students and their families about financial assistance—these tools of the financial assistance trade will help you do so.
A college education increases your child’s ability to think critically, advance in a career, contribute to the community and better understand the world. No wonder choosing the right college is such an important task. Your child and you must carefully consider the many aspects of a college – academic offerings, size, location, and campus life – to ensure the best possible match with his/her academic, personal and career interests. The right college choice must be affordable as well. Financial aid is available in many forms to help students meet college costs. This assistance is intended to supplement, not replace, the efforts of students and families. This guide gives parents and students the basic information needed to begin securing financial aid. It will help you find the information you need to ask the right questions and make informed decisions about managing college costs.
Source: https://ebookschoice.com/making-money-wise-college-decisions/
MEFA's presentation outlines the things families need to know about paying their college bill. Learn about financial aid (and types), and how to select a college loan.
Paying for College: FAFSA, Financial Aid, and More Parent WebinarCollegeBoardSM
The College Board hosted a webinar to share information about paying for college. The webinar was hosted by Dean Bentley from the College Board and featured Deren Finks from the Kiski School and Samantha Veeder from University of Rochester. Learn more at collegeboard.org/parents.
Single parents face unique obstacles when they pursue higher education. These scholarships, exclusive to single parents, are designed to ease a single parent’s path to graduation, and support their goals to secure a better job and life for their family.
Paying for College: FAFSA, Financial Aid, Scholarships, and MoreCollegeBoardSM
The College Board hosted a webinar to share information with parents about paying for college. Topics included completing the FAFSA, applying for financial aid, and searching for scholarships. The webinar was hosted by Anne Sturtevant at the College Board and featured Cassie Magesis of Urban Assembly and Eric Johnson of University of North Carolina Chapel Hill. Learn more at collegeboard.org/parents.
This is a presentation by Dada Robert in a Your Skill Boost masterclass organised by the Excellence Foundation for South Sudan (EFSS) on Saturday, the 25th and Sunday, the 26th of May 2024.
He discussed the concept of quality improvement, emphasizing its applicability to various aspects of life, including personal, project, and program improvements. He defined quality as doing the right thing at the right time in the right way to achieve the best possible results and discussed the concept of the "gap" between what we know and what we do, and how this gap represents the areas we need to improve. He explained the scientific approach to quality improvement, which involves systematic performance analysis, testing and learning, and implementing change ideas. He also highlighted the importance of client focus and a team approach to quality improvement.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
Students, digital devices and success - Andreas Schleicher - 27 May 2024..pptxEduSkills OECD
Andreas Schleicher presents at the OECD webinar ‘Digital devices in schools: detrimental distraction or secret to success?’ on 27 May 2024. The presentation was based on findings from PISA 2022 results and the webinar helped launch the PISA in Focus ‘Managing screen time: How to protect and equip students against distraction’ https://www.oecd-ilibrary.org/education/managing-screen-time_7c225af4-en and the OECD Education Policy Perspective ‘Students, digital devices and success’ can be found here - https://oe.cd/il/5yV
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
Ethnobotany and Ethnopharmacology:
Ethnobotany in herbal drug evaluation,
Impact of Ethnobotany in traditional medicine,
New development in herbals,
Bio-prospecting tools for drug discovery,
Role of Ethnopharmacology in drug evaluation,
Reverse Pharmacology.
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
Instructions for Submissions thorugh G- Classroom.pptxJheel Barad
This presentation provides a briefing on how to upload submissions and documents in Google Classroom. It was prepared as part of an orientation for new Sainik School in-service teacher trainees. As a training officer, my goal is to ensure that you are comfortable and proficient with this essential tool for managing assignments and fostering student engagement.
The Indian economy is classified into different sectors to simplify the analysis and understanding of economic activities. For Class 10, it's essential to grasp the sectors of the Indian economy, understand their characteristics, and recognize their importance. This guide will provide detailed notes on the Sectors of the Indian Economy Class 10, using specific long-tail keywords to enhance comprehension.
For more information, visit-www.vavaclasses.com
18. How much will I
have to borrow for
school?
What do I want the rest of
my life to look like? What
do I want to have? How
do my decisions now
affect my vision for my
future?
Will there be jobs
available in my
chosen field?
Will I be able to
afford my
monthly loan
payments?
Does a cheaper option
make sense if my
family is struggling to
pay?
21. It’s never too early to find free
money!
• Start early and keep looking
• Check with school counselor about local
opportunities
• Google your interests
• Activities, Athletics, Family, Hobbies,
Participation, Attributes – Do your research!
• Don’t miss deadlines!
22. 0
Average number of scholarships that senior students apply for in high school.
24. FAFSA.gov
Apply after October 1
(of senior year in hs)
It’s the student’s
application
• Parent sections
2018-19 FAFSA will use
2016 tax information
26. IRS Data Retrieval Tool
•Should be available on Oct. 1
•Information will be encrypted
•Families should utilize the tool if
you’re able
27. FSAID.ed.gov
• Allows you to sign the FAFSA (as well as
loan documents)
• The student and one parent (if the student
is dependent) will need an FSA ID
Username and Password
• DO NOT lose it; DO write it down – You will
need to file a FAFSA every year you are in
postsecondary school
• Need separate email addresses for student
and parent; make sure information is
accurate (and identical to the information
you file on your FAFSA)
28. Whose information goes on
the FAFSA?
• Divorced or separated parents -
the parent that provides more
than 50% of students support
(household)
• Stepparents – yes
• Adoptive parents - yes
• Grandparents – no
• Foster parents - no
• Legal guardians - no
• Anyone else the student is living
with - no
29. Independent Students are:
• 24 or older on Jan 1st of
award year
• Veteran (includes active duty
personnel)
• Working on graduate degree
• Emancipated minor in legal
guardianship
• Orphan, in foster care, or
ward of the court at anytime
when student was age 13 or
older
• Have legal dependents other
than spouse
• Student deemed homeless
by proper authority
30. Know your deadlines!
Schools have priority filing deadlines.
ASK THEM!
State Grant deadline is:
May 1 - First Time and Renewal Applicants
that plan to enroll in a degree program or a
college transferable program at a junior college
or other college or university
August 1 - First Time applicants that plan to
enroll in a community college; a business,
trade, or technical school; a hospital school of
nursing; or a 2-year program that is not
transferable to another institution
32. Expected Family Contribution (EFC)• Student and Parent Contribution
• Bulk of EFC comes from income
• Assets exclude: value of home you
live in, personal property,
retirement, and life insurance.
• Assets include (but not limited to):
value of cash, savings, and
checking, investment accounts, 529
plans, rental property, etc.
• Parent asset contribution = roughly
6%
• Student income contribution = 50%
of amount over $6,570; assets at
20%.
• Parent contribution divided by
number of children in college at the
same time
35. Financial Need
Schools/colleges receive financial aid information and
calculate financial need.
School cost……………………. $30,000
EFC…………………………….. - $ 3,000
Financial need………………… $27,000
FAO “packages” student based on financial need and
available funding (varies from school to school).
Financial aid award letter sent to student.
37. How much is
gift aid? – I
don’t have to
pay it back.
How much is
self-help aid? –
I will have to
pay it back or
earn it.
What are the
total costs and
how much will I
owe the
school?
39. Gift aid (do not repay)
• Pell Grant (max $5920)
• SEOG
• TEACH Grant
• Iraq and Afghanistan
Service Grant
• Americorps
• GI Bill
For more information: studentaid.ed.gov,
pheaa.org, or gibill.va.gov
• PA State Grant (max $4318)
» (OH, DE, MA, VT, WV,
and DC)
• EAP
• Chafee Grant
• Blind or Deaf Beneficiary
Grant
• Postsecondary Educational
Gratuity Program
• PATH
• PA TIP
• RTSS
40. Self-help aid (must work to earn or repay)
• Work Study
» Say “yes” to work study question on the FAFSA
• Loans
» Federal Direct Stafford Loans
» PLUS Loans
» Private/Alternative Education Loans
50. Studentloans.gov
Log in with your
FSA ID and
complete your
Master Promissory
Note (MPN) and
Entrance
Counseling.
51. Direct Stafford Loans
» Subsidized – no interest while in school
◦ Interest will be charged after an interest-free, 6-
month-grace period
◦ 4.45% fixed rate for loans between 7/1/17 and
6/30/18
◦ *1.066% origination fee deducted at disbursement
» Unsubsidized – interest accrues in school and grace
◦ 4.45% fixed rate for loans between 7/1/17 and
6/30/18
◦ *1.066% origination fee deducted at disbursement
» *Gross loan amount of $5500 will be $5441.37
» Interest rate adjusted annually and capped at 8.25%
52. Calculating Accrued Interest
To calculate your daily interest accrual, use the following formula:
• Interest rate x current principal balance ÷ number of days in the
year = daily interest
Example:
Sara Student has a $2,000 current principal balance and 4.45%
interest rate this year. Using the formula:
• .0445 x $2,000 ÷ 365 = $0.24 (~$21.60 quarterly interest)
What if she borrowed $10,000?
• .0445 x $10,000 ÷ 365 = $1.21 daily (~$108.90 quarterly interest)
56. Parent Loan for Undergraduate
Students (PLUS)
• Parent borrows a loan for the student
» 7.00% interest rate for 2017-18; interest capped at
10.50%
» Up-front fee of 4.264% deducted at disbursement
» May borrow full cost of education minus any aid
» Credit Check is required
» Can defer repayment while the student is enrolled,
but as with Unsubsidized loans, the interest does
accrue. Interest payments are encouraged.
• Apply @ StudentLoans.gov
57. Private/
Alternative Loans
• Nonfederal loans, made by a
lender such as a bank or credit union.
• Student is the borrower. Co-signers usually
required. Some loans have a co-signer release.
• Based on credit scoring and debt-to-income
ratio.
• Fees, interest rates, loan amounts, and
repayment provisions vary by lender.
• Compare loans before choosing and read the
fine print.
• Loan of Last Resort.
61. Review and consider all of your
options. Sometimes the best fit
is not your first choice.
62. Determining Affordability
• Approach this process as you are buying an
EDUCATION.
• Apply everywhere you want, but be open
minded and give yourself options.
• Think in terms of yesterday’s money, today’s
money, and tomorrow’s money.
• Have discussions as a family.
63. • Out-of-pocket?
• Expendable
income/sign up for a
payment plan?
• Scholarships?
• Parent loans? (*home-
equity line of credit)
• Double check with the
school (additional
institutional money,
scholarship opportunities,
institutional loans).
Ways to Pay
65. Beware of the 5 or 6 year plan!
• 5th year will cost 20-25% more than your first
year.
• Loss of institutional funds after 4 years.
• Loss of State Grant eligibility after 4 years.
• You will run out of federal loan eligibility (capped
at $31,000 for undergraduate students).
67. Timeline
• Apply for admission starting in
September of senior year in hs
• Apply for financial aid starting October 1
of senior year in hs
• Decide by May 1 of senior year in hs
• Pay deposit
• Billing in July for fall; Payment usually due in August
How are you going to pay the balance?
Payment plans; PLUS or alternative loans; 529 Plan or
other savings?
• Has anything changed since you filed the FAFSA? (divorce, job
loss, death of parent)
68. Resources
• FAFSA.gov
» Questions about FAFSA or FSA ID
◦ 800.433.3243
• PHEAA.org
» Questions about the State Grant Form
◦ 800.692.7392
• Educationplanner.org
• Mysmartborrowing.org
• Studentloans.gov – information on federal
loans
• Nslds.ed.gov – information on your
specific federal loans