This document provides information about a financial aid night presentation for students and parents. The presentation will cover the FAFSA, scholarships, grants, loans, and other financial aid options. It emphasizes applying for financial aid as early as possible and understanding the "magic formula" of calculating financial need. It also discusses Cal Grants, verification processes, and strategies for filling out financial aid forms accurately.
This document provides information about financial aid for the class of 2015. It discusses the basics of financial aid including the main types (grants, scholarships, loans, work study). It covers how to apply for financial aid through the FAFSA and CSS Profile if required. Key deadlines are March 2nd to apply for Cal Grants and May 1st for the universal college acceptance date. The document provides tips for estimating income and assets for the FAFSA and differences in how assets are treated for the CSS Profile at private schools.
This document provides information about financial aid for college. It discusses what financial aid is, the Free Application for Federal Student Aid (FAFSA), grants, scholarships, and student loans. The FAFSA is emphasized as the primary way to apply for federal student aid such as Pell grants, work-study, and loans. It also discusses the importance of completing the FAFSA accurately and on time, as many states and schools use it to determine eligibility for other aid. Student loans are addressed, noting they must be paid back with interest, and the differences between subsidized and unsubsidized loans are summarized. The document stresses managing costs and cash flow, being financially responsible, and getting help from financial aid offices.
This document provides information to students on applying for financial aid and scholarships for college. It discusses timelines, acronyms, and expectations from colleges. Students learn about free online resources to search for scholarships and grants. The key steps are to complete the Free Application for Federal Student Aid (FAFSA) as early as possible after January 1st of senior year to be considered for federal aid, and to closely follow application deadlines and requirements for individual colleges and scholarships. Interviews and essays may also be required for competitive scholarships. Students are advised to stay organized and utilize available guidance resources and checklists.
This document provides an overview of the financial aid application process including how to apply for a PIN, complete the FAFSA, potential trouble spots, types of aid available like grants, scholarships, loans, and how financial need is determined based on the cost of attendance and expected family contribution. It also outlines specifics about applying for financial aid at Itasca Community College such as application deadlines, costs of attendance, and available resources for answering financial aid questions.
The decision to go to college can by complicated by the financial commitment that’s involved. It can be stressful (as a family) to think of the expense, the debt piling up, and the unknown of when it comes time to repay.
With some knowledge and preparation, you can make college happen. Don’t let the cost deter you if you’re confident in the value of a college education!
This document provides 10 tips for maximizing financial aid for college:
1. Complete the FAFSA early and online to avoid errors and receive aid on a first-come basis.
2. Do not include exempt assets like retirement accounts on the FAFSA.
3. Contact financial aid offices directly to negotiate a more favorable aid package beyond initial offers.
4. Ask for scholarships to reduce loans first rather than lowering grant amounts.
College tuition is so expensive that even high-income families can get offers of financial aid. Your first step is to complete the federal forms, and then contact the school directly to further negotiate a financial aid package.
D Roberts 10 tips for maximizing financial aid Damon Roberts
This document provides 10 tips for maximizing financial aid for college:
1. Complete the FAFSA early and online to avoid errors and receive aid on a first-come basis.
2. Do not include exempt assets like retirement accounts on the FAFSA.
3. Contact financial aid offices directly to request reviews of aid packages and substitutions of loans for outside scholarships.
4. While financial aid is available, parents should still save for college themselves.
This document provides information about financial aid for the class of 2015. It discusses the basics of financial aid including the main types (grants, scholarships, loans, work study). It covers how to apply for financial aid through the FAFSA and CSS Profile if required. Key deadlines are March 2nd to apply for Cal Grants and May 1st for the universal college acceptance date. The document provides tips for estimating income and assets for the FAFSA and differences in how assets are treated for the CSS Profile at private schools.
This document provides information about financial aid for college. It discusses what financial aid is, the Free Application for Federal Student Aid (FAFSA), grants, scholarships, and student loans. The FAFSA is emphasized as the primary way to apply for federal student aid such as Pell grants, work-study, and loans. It also discusses the importance of completing the FAFSA accurately and on time, as many states and schools use it to determine eligibility for other aid. Student loans are addressed, noting they must be paid back with interest, and the differences between subsidized and unsubsidized loans are summarized. The document stresses managing costs and cash flow, being financially responsible, and getting help from financial aid offices.
This document provides information to students on applying for financial aid and scholarships for college. It discusses timelines, acronyms, and expectations from colleges. Students learn about free online resources to search for scholarships and grants. The key steps are to complete the Free Application for Federal Student Aid (FAFSA) as early as possible after January 1st of senior year to be considered for federal aid, and to closely follow application deadlines and requirements for individual colleges and scholarships. Interviews and essays may also be required for competitive scholarships. Students are advised to stay organized and utilize available guidance resources and checklists.
This document provides an overview of the financial aid application process including how to apply for a PIN, complete the FAFSA, potential trouble spots, types of aid available like grants, scholarships, loans, and how financial need is determined based on the cost of attendance and expected family contribution. It also outlines specifics about applying for financial aid at Itasca Community College such as application deadlines, costs of attendance, and available resources for answering financial aid questions.
The decision to go to college can by complicated by the financial commitment that’s involved. It can be stressful (as a family) to think of the expense, the debt piling up, and the unknown of when it comes time to repay.
With some knowledge and preparation, you can make college happen. Don’t let the cost deter you if you’re confident in the value of a college education!
This document provides 10 tips for maximizing financial aid for college:
1. Complete the FAFSA early and online to avoid errors and receive aid on a first-come basis.
2. Do not include exempt assets like retirement accounts on the FAFSA.
3. Contact financial aid offices directly to negotiate a more favorable aid package beyond initial offers.
4. Ask for scholarships to reduce loans first rather than lowering grant amounts.
College tuition is so expensive that even high-income families can get offers of financial aid. Your first step is to complete the federal forms, and then contact the school directly to further negotiate a financial aid package.
D Roberts 10 tips for maximizing financial aid Damon Roberts
This document provides 10 tips for maximizing financial aid for college:
1. Complete the FAFSA early and online to avoid errors and receive aid on a first-come basis.
2. Do not include exempt assets like retirement accounts on the FAFSA.
3. Contact financial aid offices directly to request reviews of aid packages and substitutions of loans for outside scholarships.
4. While financial aid is available, parents should still save for college themselves.
This document provides 10 tips for maximizing financial aid for college:
1. Complete the FAFSA early and online to avoid errors and receive aid on a first-come basis.
2. Do not include exempt assets like retirement accounts on the FAFSA.
3. Contact financial aid offices directly to negotiate a more favorable aid package beyond federal aid.
4. Ask for outside scholarships to reduce loans first rather than grants in the aid package.
This document provides information to help 12th grade students pay for college. It discusses saving for college through accounts like UESP and UIDAN. It explains how to find and apply for scholarships by researching strengths and interests. It details the Free Application for Federal Student Aid (FAFSA) process and importance of meeting financial aid deadlines. The FAFSA determines eligibility for grants, work-study, and loans. It reviews following up after submitting the FAFSA and accepting or declining financial aid awards.
The document provides an overview of financial aid presented by Kenneth Cole from USC Lancaster. It discusses what financial aid is, sources of aid such as federal, state, institutional and private agencies. It covers when and how to apply, including details on scholarships, the FAFSA application process, what information is required, and important dates. Verification, special circumstances, the CSS profile and contacting the financial aid office are also summarized.
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.
The document presents a mathematical model to calculate the expected family contribution (EFC) for college costs based on household income and size. It applies the model to families with: 1) one parent/one child making $35k, $75k, and $125k and 2) two parents/three children making $35k, $75k, and $125k.
The model finds that a one parent/one child household making $35k would pay $1,919.20 in EFC over two years, while those making $75k or $125k would pay the full tuition before scholarships. A two parents/three children household making $35k would pay $75.56 per child in
HIFE Scholars newsletter January 2016 editionJeffrey Borden
The document discusses how student and parent assets affect eligibility for financial aid. It states that a student's assets count more than a parent's assets toward the expected family contribution. Up to 20% of a student's assets must be used for college costs, while only up to 5.64% of a parent's "unprotected" assets are expected to be used. Certain assets like retirement accounts and the family home are not counted. It also explains the timing of financial aid applications is important to maximize eligibility for aid and good housing/class options.
How to pay for College with out going broke!jlrcks6
The document discusses various ways to pay for college with as little out-of-pocket costs as possible, including through financial aid, tax benefits, and legally arranging one's financial situation. It notes that understanding complicated educational laws, tax provisions, and how to negotiate financial aid packages can help families get thousands more in aid. Proper planning is needed to navigate these options and not miss out on maximum available funds.
The document discusses various topics related to financing higher education, including definitions of key terms like financial aid, cost of attendance, and expected family contribution. It provides information on the different sources of financial aid such as federal, state, and institutional programs. The document outlines the process for applying for financial aid, including completing the Free Application for Federal Student Aid (FAFSA) and tips to avoid common mistakes. It also discusses special circumstances and additional resources for information.
This document discusses myths about financial aid and provides information to help students and families better understand their financial aid options. It addresses two common myths: 1) that some families cannot qualify for aid based on income, but there are non-need based options available, and 2) that it's not worth filling out financial aid forms if you don't qualify, but students must complete the FAFSA to be considered for major aid programs. The document provides an overview of federal, state, and institutional financial aid options as well as the importance of completing the FAFSA and CSS Profile if required by colleges.
This document provides information about a 2009 fall senior/parent night for an Upward Bound program, including an agenda covering topics like college applications, financial aid applications, scholarships, grants, and loans. It discusses the FAFSA, CSS Profile, VSAC grant application, Pell grants, scholarships, Stafford loans, Perkins loans, PLUS loans, and alternative loans. It emphasizes applying early for financial aid and scholarships, maximizing aid eligibility, and understanding financial responsibilities and options after receiving award letters.
There are only three types of student loans and you won’t qualify for two of ...National Debt Relief
This presentation discusses the three types of federal student loans, the differences between them and why you would likely not qualify for two of them. It also reveals the importance of the FAFSA and the tax advantages of financing a college education.
Answers to questions from the paying for post secondary expenses part 1 webin...Barbara O'Neill
The document provides answers to 10 questions about financing post-secondary education expenses. It discusses options for refinancing student loan debt, using the Public Service Loan Forgiveness program, saving in 529 college savings plans and Coverdell ESAs, the impact of grandparent-owned 529 plans on financial aid eligibility, the tax benefits of gifts to 529 plans and trusts, and what qualifies as an educational expense for tax benefits. The answers provide details and cite additional resources for more information.
This document provides a guide to various sources of financial aid available to nontraditional students, including scholarships, grants, loans, and work-study programs from federal, state, and private sources. It discusses how to fill out the FAFSA, determine financial need, compare federal vs. private loans, understand loan repayment and forgiveness options, and find scholarships targeted towards specific groups like students with children, mid-career students, and online students. The guide provides details on many specific scholarship programs and their eligibility requirements.
The document provides an overview of the financial aid process for high school seniors and their families. It discusses key terms like cost of attendance, expected family contribution, and financial need. It also summarizes the various types of financial aid including scholarships, grants, loans, work-study, and how to apply for federal aid through completing the Free Application for Federal Student Aid (FAFSA). Tips are provided on borrowing responsibly and meeting financial aid deadlines.
The document provides information on financing a student's education, including the typical costs of college, types of financial aid, and how to apply for aid. It discusses grants, scholarships, loans, tax benefits, and financial aid formulas. The document also provides tips on completing financial aid forms and understanding aid award letters.
This document provides information on strategies for maximizing financial aid eligibility for college. It discusses how expected family contribution is calculated based on parental income and assets, and how this determines need-based financial aid eligibility. Certain assets like retirement accounts are not considered, while others like savings and investments are counted differently depending on the calculation method used. The document also notes that eligibility depends on the specific college's cost of attendance, as a student may qualify for aid at an expensive private school but not a cheaper public one. Customized analyses and strategies are recommended to help position a family's finances to minimize their out-of-pocket costs for college.
Students will learn about how the different forms of financial aid can help them finance their college education, and how to obtain funding help when paying for college.
This document summarizes a student paper analyzing ethical issues related to the rise in student loan debt from for-profit colleges. It finds that students at for-profit institutions take on the highest median loan debt but have the lowest graduation rates. This leads many to default on loans, burdening taxpayers. The paper evaluates the situation from different ethical frameworks and recommends standardized testing for admissions, financial literacy programs, and restructuring federal work-study to mitigate debt.
This document provides information about financial aid from The Sage Colleges. It defines financial aid as assistance outside of family contributions, including need-based aid which is determined by family income and merit-based scholarships. Students must complete the FAFSA to be eligible for need-based aid. Need is calculated as the difference between the cost of attendance and expected family contribution. The financial aid office then provides award packages that may include grants, loans, and work-study. The document outlines the application and award process and types of financial aid including federal student loans, PLUS loans, TAP grants, and the HEOP program for New York residents.
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
This document discusses types of financial aid for higher education including scholarships, grants, loans, and work-study. It outlines the steps to apply for need-based financial aid including completing the FAFSA and CSS Profile if required. An example eligibility formula and financial aid package are provided. Common misconceptions about financial aid are addressed such as income cutoffs, the difficulty of the FAFSA, affordability of private schools, and expectations about depleting savings.
This document provides 10 tips for maximizing financial aid for college:
1. Complete the FAFSA early and online to avoid errors and receive aid on a first-come basis.
2. Do not include exempt assets like retirement accounts on the FAFSA.
3. Contact financial aid offices directly to negotiate a more favorable aid package beyond federal aid.
4. Ask for outside scholarships to reduce loans first rather than grants in the aid package.
This document provides information to help 12th grade students pay for college. It discusses saving for college through accounts like UESP and UIDAN. It explains how to find and apply for scholarships by researching strengths and interests. It details the Free Application for Federal Student Aid (FAFSA) process and importance of meeting financial aid deadlines. The FAFSA determines eligibility for grants, work-study, and loans. It reviews following up after submitting the FAFSA and accepting or declining financial aid awards.
The document provides an overview of financial aid presented by Kenneth Cole from USC Lancaster. It discusses what financial aid is, sources of aid such as federal, state, institutional and private agencies. It covers when and how to apply, including details on scholarships, the FAFSA application process, what information is required, and important dates. Verification, special circumstances, the CSS profile and contacting the financial aid office are also summarized.
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.
The document presents a mathematical model to calculate the expected family contribution (EFC) for college costs based on household income and size. It applies the model to families with: 1) one parent/one child making $35k, $75k, and $125k and 2) two parents/three children making $35k, $75k, and $125k.
The model finds that a one parent/one child household making $35k would pay $1,919.20 in EFC over two years, while those making $75k or $125k would pay the full tuition before scholarships. A two parents/three children household making $35k would pay $75.56 per child in
HIFE Scholars newsletter January 2016 editionJeffrey Borden
The document discusses how student and parent assets affect eligibility for financial aid. It states that a student's assets count more than a parent's assets toward the expected family contribution. Up to 20% of a student's assets must be used for college costs, while only up to 5.64% of a parent's "unprotected" assets are expected to be used. Certain assets like retirement accounts and the family home are not counted. It also explains the timing of financial aid applications is important to maximize eligibility for aid and good housing/class options.
How to pay for College with out going broke!jlrcks6
The document discusses various ways to pay for college with as little out-of-pocket costs as possible, including through financial aid, tax benefits, and legally arranging one's financial situation. It notes that understanding complicated educational laws, tax provisions, and how to negotiate financial aid packages can help families get thousands more in aid. Proper planning is needed to navigate these options and not miss out on maximum available funds.
The document discusses various topics related to financing higher education, including definitions of key terms like financial aid, cost of attendance, and expected family contribution. It provides information on the different sources of financial aid such as federal, state, and institutional programs. The document outlines the process for applying for financial aid, including completing the Free Application for Federal Student Aid (FAFSA) and tips to avoid common mistakes. It also discusses special circumstances and additional resources for information.
This document discusses myths about financial aid and provides information to help students and families better understand their financial aid options. It addresses two common myths: 1) that some families cannot qualify for aid based on income, but there are non-need based options available, and 2) that it's not worth filling out financial aid forms if you don't qualify, but students must complete the FAFSA to be considered for major aid programs. The document provides an overview of federal, state, and institutional financial aid options as well as the importance of completing the FAFSA and CSS Profile if required by colleges.
This document provides information about a 2009 fall senior/parent night for an Upward Bound program, including an agenda covering topics like college applications, financial aid applications, scholarships, grants, and loans. It discusses the FAFSA, CSS Profile, VSAC grant application, Pell grants, scholarships, Stafford loans, Perkins loans, PLUS loans, and alternative loans. It emphasizes applying early for financial aid and scholarships, maximizing aid eligibility, and understanding financial responsibilities and options after receiving award letters.
There are only three types of student loans and you won’t qualify for two of ...National Debt Relief
This presentation discusses the three types of federal student loans, the differences between them and why you would likely not qualify for two of them. It also reveals the importance of the FAFSA and the tax advantages of financing a college education.
Answers to questions from the paying for post secondary expenses part 1 webin...Barbara O'Neill
The document provides answers to 10 questions about financing post-secondary education expenses. It discusses options for refinancing student loan debt, using the Public Service Loan Forgiveness program, saving in 529 college savings plans and Coverdell ESAs, the impact of grandparent-owned 529 plans on financial aid eligibility, the tax benefits of gifts to 529 plans and trusts, and what qualifies as an educational expense for tax benefits. The answers provide details and cite additional resources for more information.
This document provides a guide to various sources of financial aid available to nontraditional students, including scholarships, grants, loans, and work-study programs from federal, state, and private sources. It discusses how to fill out the FAFSA, determine financial need, compare federal vs. private loans, understand loan repayment and forgiveness options, and find scholarships targeted towards specific groups like students with children, mid-career students, and online students. The guide provides details on many specific scholarship programs and their eligibility requirements.
The document provides an overview of the financial aid process for high school seniors and their families. It discusses key terms like cost of attendance, expected family contribution, and financial need. It also summarizes the various types of financial aid including scholarships, grants, loans, work-study, and how to apply for federal aid through completing the Free Application for Federal Student Aid (FAFSA). Tips are provided on borrowing responsibly and meeting financial aid deadlines.
The document provides information on financing a student's education, including the typical costs of college, types of financial aid, and how to apply for aid. It discusses grants, scholarships, loans, tax benefits, and financial aid formulas. The document also provides tips on completing financial aid forms and understanding aid award letters.
This document provides information on strategies for maximizing financial aid eligibility for college. It discusses how expected family contribution is calculated based on parental income and assets, and how this determines need-based financial aid eligibility. Certain assets like retirement accounts are not considered, while others like savings and investments are counted differently depending on the calculation method used. The document also notes that eligibility depends on the specific college's cost of attendance, as a student may qualify for aid at an expensive private school but not a cheaper public one. Customized analyses and strategies are recommended to help position a family's finances to minimize their out-of-pocket costs for college.
Students will learn about how the different forms of financial aid can help them finance their college education, and how to obtain funding help when paying for college.
This document summarizes a student paper analyzing ethical issues related to the rise in student loan debt from for-profit colleges. It finds that students at for-profit institutions take on the highest median loan debt but have the lowest graduation rates. This leads many to default on loans, burdening taxpayers. The paper evaluates the situation from different ethical frameworks and recommends standardized testing for admissions, financial literacy programs, and restructuring federal work-study to mitigate debt.
This document provides information about financial aid from The Sage Colleges. It defines financial aid as assistance outside of family contributions, including need-based aid which is determined by family income and merit-based scholarships. Students must complete the FAFSA to be eligible for need-based aid. Need is calculated as the difference between the cost of attendance and expected family contribution. The financial aid office then provides award packages that may include grants, loans, and work-study. The document outlines the application and award process and types of financial aid including federal student loans, PLUS loans, TAP grants, and the HEOP program for New York residents.
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
This document discusses types of financial aid for higher education including scholarships, grants, loans, and work-study. It outlines the steps to apply for need-based financial aid including completing the FAFSA and CSS Profile if required. An example eligibility formula and financial aid package are provided. Common misconceptions about financial aid are addressed such as income cutoffs, the difficulty of the FAFSA, affordability of private schools, and expectations about depleting savings.
Missouri Western State University Financial Aid Presentationcaseyburg
This document provides information about financing a student's education. It discusses the different types of financial aid available, including grants, scholarships, loans, and employment. It explains how financial need is determined using the cost of attendance and expected family contribution. The document emphasizes the importance of completing the Free Application for Federal Student Aid (FAFSA) annually and by priority deadlines. It provides tips for budgeting loan funds and understanding loan repayment responsibilities. Overall, the document is a guide for students to understand their financial aid options and successfully manage the costs of their education.
This document provides information about applying for financial aid. It explains that students should complete the Free Application for Federal Student Aid (FAFSA) each year as close to January 1st as possible to be considered for federal and state grants, loans, work-study and scholarships. Even those who think their family income is too high should still apply. The FAFSA takes into account taxes, income, family size and other factors to calculate the expected family contribution. The document outlines the application process and required information including tax documents and social security numbers. It also describes different types of federal and state aid available as well as scholarships, loans and payment plans.
The document provides an overview of financial aid, including the various types of aid such as grants, scholarships, loans, and employment. It explains that financial aid aims to help students pay for college by evaluating family ability to pay and distributing limited resources equitably. The document outlines the FAFSA application process and how to determine financial need by calculating the cost of attendance and expected family contribution. It also discusses federal, state, institutional, and private sources of financial aid.
This document discusses key information about applying for and qualifying for federal financial aid to pay for college. It dispels the myth that families with higher incomes do not qualify for aid, showing data that over 70% of applicants from families earning $100,000 or more received some form of federal aid. It explains that all families must complete the Free Application for Federal Student Aid (FAFSA) to apply for federal financial aid. The amount of financial aid is calculated based on the cost of attendance at a college minus the expected family contribution, which is determined based on a formula considering family income and assets. Certain retirement and education savings accounts are not counted towards the expected family contribution. The document provides resources for learning more about federal financial aid
Financial Aid: The Essentials and then SomeDianne Krause
This document provides an overview of financial aid, including the different types (grants, scholarships, loans, employment), how to apply and qualify for aid, and factors considered in determining eligibility. It explains that financial aid aims to help students pay for college by evaluating family ability to pay and distributing limited funds equitably. The key application is the Free Application for Federal Student Aid (FAFSA), which is used to calculate the expected family contribution (EFC) and determine need-based aid eligibility. Sources of aid include federal programs like Pell Grants and Stafford Loans, state grants, and institutional grants and scholarships. Comparing complete financial aid packages from multiple schools is important for finding the most affordable option.
This presentation provides an overview of financial aid for Parsippany High School students. It defines financial aid as funds to help pay for postsecondary education. It discusses the cost of attendance, expected family contribution, and financial need calculation. It covers the types of aid including scholarships, grants, work-study, and loans. Significant details are provided on applying for federal financial aid through the FAFSA, including the information required, IRS data retrieval, and application process. State aid programs for New Jersey are also reviewed.
Financial aid refers to funding intended to help students pay for college costs including tuition and room and board. It makes up the difference between what a student and their family can afford and the total cost of college. Financial aid comes in two forms: needs-based aid such as grants, loans, and work-study that are based on financial need; and merit-based aid such as scholarships that are based on academic or other achievements. To qualify for needs-based aid, students must fill out the Free Application for Federal Student Aid (FAFSA) using their W-2 tax forms and their parents' W-2 forms to determine their estimated family contribution toward college costs.
The document provides information about applying for financial aid. It discusses key terms like cost of attendance, expected family contribution, and financial need. It outlines the various types of federal and state financial aid available, such as grants, loans, work-study. It emphasizes completing the Free Application for Federal Student Aid (FAFSA) to be considered for aid. The FAFSA requires information about student and family finances and tax returns. Special circumstances that could impact aid are addressed.
This document provides 10 tips for maximizing financial aid for college:
1. Complete the FAFSA early and online to avoid errors and receive aid on a first-come basis.
2. Do not include exempt assets like retirement accounts on the FAFSA.
3. Contact individual college financial aid offices to negotiate a better aid package beyond federal aid.
4. Ask for scholarships to reduce loans first rather than grants on the aid package.
This document provides an overview of financial aid, including:
- What financial aid is and how to apply by completing the FAFSA and other forms.
- Key terms like the Expected Family Contribution (EFC), Cost of Attendance (COA), and financial need.
- The different categories, types, and sources of financial aid like grants, loans, scholarships, and work-study.
- Tips for applying for aid, understanding award letters, dealing with special circumstances, avoiding scams, and renewing aid annually.
How to fill out the FAFSA (Free Application for Federal Student Aid), from Darryl Young and the 15K Degrees Initiative in Louisville, KY (www.15kdegrees.org)
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This document provides information for freshman registration at Foothill Technology High School. It outlines the timeline and requirements for registration, including deadlines to submit forms. It details the high school graduation requirements in specific subject areas. It also provides information on UC/CSU entrance requirements, summer school options, summer enrichment programs, health insurance, and sports/music participation requirements.
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This document provides information for junior registration at Foothill Technology High School. It outlines the timeline and requirements for registration, including deadlines to submit forms. It reviews high school graduation requirements in key subject areas, as well as UC/CSU entrance requirements. The document also provides information about summer school, enrichment programs, and health insurance options for students.
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LAND USE LAND COVER AND NDVI OF MIRZAPUR DISTRICT, UPRAHUL
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core of India. Mirzapur, with its varied terrains and abundant biodiversity, offers an optimal
environment for investigating the changes in vegetation cover dynamics. Our study utilizes
advanced technologies such as GIS (Geographic Information Systems) and Remote sensing to
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more evident. A crucial element of this impact is the alteration of vegetation cover, which plays a
significant role in maintaining the ecological equilibrium of our planet.Land serves as the foundation for all human activities and provides the necessary materials for
these activities. As the most crucial natural resource, its utilization by humans results in different
'Land uses,' which are determined by both human activities and the physical characteristics of the
land.
The utilization of land is impacted by human needs and environmental factors. In countries
like India, rapid population growth and the emphasis on extensive resource exploitation can lead
to significant land degradation, adversely affecting the region's land cover.
Therefore, human intervention has significantly influenced land use patterns over many
centuries, evolving its structure over time and space. In the present era, these changes have
accelerated due to factors such as agriculture and urbanization. Information regarding land use and
cover is essential for various planning and management tasks related to the Earth's surface,
providing crucial environmental data for scientific, resource management, policy purposes, and
diverse human activities.
Accurate understanding of land use and cover is imperative for the development planning
of any area. Consequently, a wide range of professionals, including earth system scientists, land
and water managers, and urban planners, are interested in obtaining data on land use and cover
changes, conversion trends, and other related patterns. The spatial dimensions of land use and
cover support policymakers and scientists in making well-informed decisions, as alterations in
these patterns indicate shifts in economic and social conditions. Monitoring such changes with the
help of Advanced technologies like Remote Sensing and Geographic Information Systems is
crucial for coordinated efforts across different administrative levels. Advanced technologies like
Remote Sensing and Geographic Information Systems
9
Changes in vegetation cover refer to variations in the distribution, composition, and overall
structure of plant communities across different temporal and spatial scales. These changes can
occur natural.
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Chapter wise All Notes of First year Basic Civil Engineering.pptxDenish Jangid
Chapter wise All Notes of First year Basic Civil Engineering
Syllabus
Chapter-1
Introduction to objective, scope and outcome the subject
Chapter 2
Introduction: Scope and Specialization of Civil Engineering, Role of civil Engineer in Society, Impact of infrastructural development on economy of country.
Chapter 3
Surveying: Object Principles & Types of Surveying; Site Plans, Plans & Maps; Scales & Unit of different Measurements.
Linear Measurements: Instruments used. Linear Measurement by Tape, Ranging out Survey Lines and overcoming Obstructions; Measurements on sloping ground; Tape corrections, conventional symbols. Angular Measurements: Instruments used; Introduction to Compass Surveying, Bearings and Longitude & Latitude of a Line, Introduction to total station.
Levelling: Instrument used Object of levelling, Methods of levelling in brief, and Contour maps.
Chapter 4
Buildings: Selection of site for Buildings, Layout of Building Plan, Types of buildings, Plinth area, carpet area, floor space index, Introduction to building byelaws, concept of sun light & ventilation. Components of Buildings & their functions, Basic concept of R.C.C., Introduction to types of foundation
Chapter 5
Transportation: Introduction to Transportation Engineering; Traffic and Road Safety: Types and Characteristics of Various Modes of Transportation; Various Road Traffic Signs, Causes of Accidents and Road Safety Measures.
Chapter 6
Environmental Engineering: Environmental Pollution, Environmental Acts and Regulations, Functional Concepts of Ecology, Basics of Species, Biodiversity, Ecosystem, Hydrological Cycle; Chemical Cycles: Carbon, Nitrogen & Phosphorus; Energy Flow in Ecosystems.
Water Pollution: Water Quality standards, Introduction to Treatment & Disposal of Waste Water. Reuse and Saving of Water, Rain Water Harvesting. Solid Waste Management: Classification of Solid Waste, Collection, Transportation and Disposal of Solid. Recycling of Solid Waste: Energy Recovery, Sanitary Landfill, On-Site Sanitation. Air & Noise Pollution: Primary and Secondary air pollutants, Harmful effects of Air Pollution, Control of Air Pollution. . Noise Pollution Harmful Effects of noise pollution, control of noise pollution, Global warming & Climate Change, Ozone depletion, Greenhouse effect
Text Books:
1. Palancharmy, Basic Civil Engineering, McGraw Hill publishers.
2. Satheesh Gopi, Basic Civil Engineering, Pearson Publishers.
3. Ketki Rangwala Dalal, Essentials of Civil Engineering, Charotar Publishing House.
4. BCP, Surveying volume 1
ISO/IEC 27001, ISO/IEC 42001, and GDPR: Best Practices for Implementation and...PECB
Denis is a dynamic and results-driven Chief Information Officer (CIO) with a distinguished career spanning information systems analysis and technical project management. With a proven track record of spearheading the design and delivery of cutting-edge Information Management solutions, he has consistently elevated business operations, streamlined reporting functions, and maximized process efficiency.
Certified as an ISO/IEC 27001: Information Security Management Systems (ISMS) Lead Implementer, Data Protection Officer, and Cyber Risks Analyst, Denis brings a heightened focus on data security, privacy, and cyber resilience to every endeavor.
His expertise extends across a diverse spectrum of reporting, database, and web development applications, underpinned by an exceptional grasp of data storage and virtualization technologies. His proficiency in application testing, database administration, and data cleansing ensures seamless execution of complex projects.
What sets Denis apart is his comprehensive understanding of Business and Systems Analysis technologies, honed through involvement in all phases of the Software Development Lifecycle (SDLC). From meticulous requirements gathering to precise analysis, innovative design, rigorous development, thorough testing, and successful implementation, he has consistently delivered exceptional results.
Throughout his career, he has taken on multifaceted roles, from leading technical project management teams to owning solutions that drive operational excellence. His conscientious and proactive approach is unwavering, whether he is working independently or collaboratively within a team. His ability to connect with colleagues on a personal level underscores his commitment to fostering a harmonious and productive workplace environment.
Date: May 29, 2024
Tags: Information Security, ISO/IEC 27001, ISO/IEC 42001, Artificial Intelligence, GDPR
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General Data Protection Regulation (GDPR) - Training Courses - EN | PECB
Webinars: https://pecb.com/webinars
Article: https://pecb.com/article
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Slideshare: http://www.slideshare.net/PECBCERTIFICATION
Strategies for Effective Upskilling is a presentation by Chinwendu Peace in a Your Skill Boost Masterclass organisation by the Excellence Foundation for South Sudan on 08th and 09th June 2024 from 1 PM to 3 PM on each day.
Leveraging Generative AI to Drive Nonprofit InnovationTechSoup
In this webinar, participants learned how to utilize Generative AI to streamline operations and elevate member engagement. Amazon Web Service experts provided a customer specific use cases and dived into low/no-code tools that are quick and easy to deploy through Amazon Web Service (AWS.)
How to Create a More Engaging and Human Online Learning Experience
College financial aid presentation 2013
1. Taming the Financial Aid
Monster!!
AVID College Financial Aid Night
Foothill Technology High School
Tuesday, January 15th, 2013
2. Presented by:
Mrs. Heather Ferris and FTHS AVID
English Presentation:
Mrs. Linda Kapala: Scholarships
Ms. Cecilia Johnston: Financial Aid
Spanish Presentation:
Ms. Alma Rodriguez, Ventura College
3. Conquering Your Fears!
For Students, the
scariest part of
College Admissions
is getting into the
college of their
choice.
For their Parents,
the scariest part is
paying for it!!!
4. Knowledge is Power!
“Fund Your Future” Workbook (Updated copies will be available
at the Counselors’ offices & Media Center.)
CSS: Profile Handout
“Blue Sheet” Handout (Correction: www.finaid.org)
Ventura College Workshops (TBA)
“Help” function on Financial Aid Form websites
Will give you the confidence to apply for
financial aid !
5. What is Financial Aid ?
Free Money:
Scholarships
Grants
Self Help:
Loans
Employment:
Federal Work study
6. NUMBER ONE Rule of Financial Aid
Students AND their families have
the primary responsibility to pay
for postsecondary education
expenses.
Doesn’t matter if parents choose not
to contribute to student’s education.
Therefore, it is very unusual for a
student who has just graduated from
high school to be “independent” for
purposes of Financial Aid.
8. More Magic Formula
COA (Cost of Attendance)
Minus EFC (Expected Family
Contribution)
Equals FN (Demonstrated Financial
Need)
Note: EFC usually stays the same no
matter how much the COA.
See Page 9 of Booklet.
9. How do I file for Financial Aid?
Complete and file FAFSA
FAFSA = “Free Application for Federal
Student Aid”
Make sure that your gpa has been
submitted for Cal Grant consideration.
Submit CSS:Profile and/or other
supplemental information if
required by college to which you
are applying.
Usually private schools.
10. NUMBER TWO Rule re:
Financial Aid
Always, always, always apply for
financial aid.
Doesn’t matter if you think that you
won’t qualify.
Will need to file to qualify for non-
need based federal loans.
Many schools will NOT consider you
for merit or other scholarships unless
you apply for federal financial aid.
11. FAFSA Timeline
Complete & Submit FAFSA as
soon as humanly possible.
Use estimated 2012 income
figures, then amend after filing
tax return.
About 100 questions—max.
Will receive SAR (Student Aid
Report) via email within 3-5
days!
Can always amend FAFSA;
will result in amended SAR.
12. Seven Steps to filling out FAFSA
“Fund Your Future” pages 6-9
Step One: Gather information and go
to www.fafsa.ed.gov
Both Student and one Parent apply for a
PIN.
Save PINs for next year!
Be careful to use “ed.gov” website.
FAFSA is always free!
13. Step Two: Information About the
Student
Student Demographics
Name must match Social
Security card.
Use the Help & Hints section on
each page.
14. Step Three:
School Selection:
Add by Federal School Code
If applying to over ten schools:
List at least one California school on first list. (for Cal
Grants)
Then list schools with earliest financial aid deadlines
first.
After you submit FAFSA and receive your Student Aid
Report, wait a few days, then go back and delete
schools and add the remaining schools on your list.
All schools will have access to FAFSA.
See “Blue Sheet”
15. Step Four: Dependency Status
In most cases, your student will be a
dependent.
The exceptions are on Page 7.
16. Step Five: Parent Information
Required if student is dependent.
Parents must answer both
demographic and financial
information to determine
Custodial Parent for FAFSA
purposes.
Ability to contribute to student’s
educational expenses.
17. Divorced or Separated Parents
Provide information for parent who
student has spent at least 51% of time
with in past 12 months.
Remarried Parent? Provide info about
parent AND step-parent regardless of:
Agreement of non-support
Prenuptial Agreement
Divorce Decree
18. Divorced or Separated (Part 2)
Parent filling out FAFSA need not be
the custodial parent per divorce
decree.
Parent filling out FAFSA need not be
the parent who claims the student as
an exemption for income tax
purposes.
19. Parent Income & Assets:
You will see a list of types of Assets
on FAFSA—click the box next to the
asset and you will be asked
questions about those assets.
FAFSA looks at Adjusted Gross
Income.
Page 7: List of assets that FAFSA
does not consider including:
Your family home
Your Retirement Accounts
Your small business (less than 100
employees)
20. Step Six: Student’s Assets
Same list of Assets to click on.
Tip: Most of student’s assets are expected to be
used for education expenses. What may make
sense for tax savings may not make sense for
financial aid. Ask your accountant or financial
advisor for assistance.
21. Rule Number Three of Financial Aid
Do not do anything that could get
you in trouble with the IRS!
In general, you want to look as poor
as possible for FAFSA purposes.
Again, do not do anything that could
get you in trouble with the IRS!!
If you have questions, talk to your
accountant or financial advisor.
22. A few helpful hints:
Fill out FAFSA the day after you have
paid your mortgage and big bills.
Value of assets is NET, not gross.
Asset protection allowances are built
into the formula.
Questions: Call the 800 number on
page 8.
23. Step Seven: Submission
Student and Parent(s)
electronically Sign and Submit.
You will receive an electronic
Confirmation Page with:
Confirmation Number
Estimated EFC
List of Colleges
Next Steps
Option of transferring parents’
data to sibling’s FAFSA!
24. Student Aid Report Notification
Arrives electronically in 2-5
days.
Has EFC and Pell Grant eligibility.
If you don’t like the results or
have special circumstances or
expenses:
Contact individual colleges which
can exercise “Professional Judgment
Override.”
Your EFC when you receive your
Financial Aid packages (by April 1)
may be different.
26. The Dreaded “GAP”
Not every school meets
100% of your Financial Need.
Example:
COA: $25,000 Minus EFC: $10,000 = FN:
$15,000
But College only meets 66% of FN $10,000 leaving
a gap of $5,000.
27. The Dreaded “GAP”
Not every school meets
100% of your Financial Need.
Example:
COA: $25,000 Minus EFC: $10,000 = FN: $15,000
But College only meets 66% of FN $10,000 leaving a gap of
$5,000.
You must make up the difference; you will be responsible for
the EFC of $10,000 plus GAP of $5,000 = $15,000.
28. A Few Financial Aid Tools:
Net Cost Calculators:
Every school is required to have
one on their website.
CNN College Cost Calculator
School Data:
www.collegedata.com
www.collegenavigator.gov
Info: www.finaid.org
See “BLUE SHEET” for these links.
30. CSS Profile and other Financial
Supplements
Some Private Schools use
FAFSA and CSS Profile and/or
their own supplemental
Financial Aid Forms.
CSS Profile on line. Costs $
(Waivers available.)
Looks more deeply into
family finances.
Fill out one form for all
colleges: different questions
for different colleges
31. CSS-Profile Differences
Many schools require
that Non-Custodial Parent
fills out Supplement.
Considers Family Home
as an asset.
For valuation: subtract mortgage from value
as determined by Federal House Price Index
Calculator.
Don’t forget to subtract mortgages, down
payment loans from value.
32. More Differences:
Value of Businesses: NET Worth
Most Service Businesses have a very low net worth
for Financial Aid Purposes.
Assets held in sibling’s names are counted
Retirement funds counted
Not a free form. Use College Board id and
password to access. (Save this info. for next year!)
Space to explain Unusual Circumstances: ie. large
medical expenses etc.
33. Even More Differences!
Contribution from Student’s
Parents:
One expert recommends that you wait
until you get SAR, take the EFC and
reduce it by 30%.
Estimate Prior Year and Future
Income.
CANNOT amend CSS-Profile so make
sure that your estimates are very
close.
IDOC: free service where you submit
supporting documentation-not all
schools use this.
34. CSS-Profile: Finally,
Every school that uses CSS
Profile or own Supplements
will treat your assets and liabilities
differently; many times in your favor!
You will know what your EFC is when you
receive your Financial Aid Packet.
Questions? Use the CSS:Profile toll free
number on the CSS:Profile handout.
36. VERIFICATION
FAFSA can now verify your form
with the information on your federal
tax return.
If you see an “*” next to your EFC on your SAR
—you will need to verify your FAFSA by
submitting supporting documentation.
You will get letters from schools to which you
applied with instructions.
Verification Docs are sent to schools, NOT FAFSA.
37. More Verification
May have to obtain IRS Transcript.
Private Schools usually ask for supporting
documentation from all applicants when you submit CSS
Profile or Supplemental Forms.
Your Financial Aid Package is on HOLD until verification
completed.
38. “The Magic Button”
The IRS Data Retrieval Tool
Only on FAFSA
Will automatically populate FAFSA with your 2012
Federal Tax Return Information.
Automatic Verification!!
Won’t be subject to FAFSA Verification.
No need to order IRS Transcript.
Easy to use for returning college students with later
FAFSA due dates.
39. Problem for Incoming Freshmen
IRS Data Retrieval Tool not available until February 3,
2013.
Must wait 3 weeks after electronic tax filing and 8 weeks
after snail mail tax filing.
Many colleges have Financial Aid Form due dates in
February (and even January!)
What to do?
40. Financial Aid Filing Strategy
On “Blue Sheet”
Complete and submit FAFSA & CSS:Profile with
Estimated figures by Feb. 1st. or College Due Date.
File Income Tax Returns Electronically ASAP.
Wait three weeks.
Update FAFSA with IRS Data Retrieval Tool. (Automatic
Verification!)
Submit required CSS:Profile
documentation via I-Doc by
College Due Date. (If req’d.)
42. What kinds of Financial Aid are
available?
“Funding Your Future” Booklet does a great
job of setting forth information about all of
the types of financial aid.
Remember Two Main Types:
Free
Self Help
43. Free Financial Aid
Grants
Pell (Federal)
Cal Grant
Institutional Grants (from
the school)
Other
Scholarships:
Institutional (from the
school)
Private from other
sources
44. Self Help Financial Aid
Loans (pages 26-28)
Perkins: Federal, Low income, lowest interest
rate.
Stafford: Federal
Subsidized: Need based, limited amount.
Unsubsidized: All eligible students, limited
amount.
PLUS Loans: Federal, taken out by parents up to
COA
Private Loans: Banks, Credit Unions and private
loan companies.
45. More Self Help Aid
Work Study
(Federal)
On campus
Well paying
Doesn’t count as
“income” for
purposes of FAFSA
and CSS:Profile
47. CAL GRANT
Great explanation in Booklet
pages 16-18.
Key Points:
Need Based (see income ceilings on
Supplemental Handout)
May only be used at a California
School.
Deadline to submit FAFSA and gpa is
March 2. (Don’t worry about gpa
submission—done by high school
registrar in fall 2012.)
48. More about Cal Grants
Different amounts
depending on which
California school you
attend:
CSU: $5,970
UCs: $12,192
Private: $9,223
Different types of Cal
Grants: A,B &C
Info. in Booklet
49. California Aid Report (CAR)
You will receive your CAR electronically.
Will notify you if you will receive a Cal
Grant.
See page 13 of Booklet for more
information.
50. Financial Aid Packages
You will receive your
financial aid package
shortly after you
receive your offer of
admission from a
college or university.
Compare the packages
using Chart on Page
15 of Booklet.
The more Free Money,
the better the
package.
51. Universal College Acceptance Date
MAY 1, 2013
The last day to pay your deposit to the
college or university of your choice!
Deposit is usually between $500-$1000.
52. Remember:
Need to fill out FAFSA and
CSS:Profile every year.
Save all PINs and copies of
submitted paperwork.
Much of info is transferred
from this year’s form to next
year’s form!
Due dates are later in the
Spring for continuing
students.
53. WARNING:
“Certified College
Financial
Planners/Advisors”
are also Licensed Life
Insurance Brokers
who are trying to sell
you expensive
financial products to
“shelter your assets.”
Please be careful!!!
54. Confused? Overwhelmed?
Read your Booklet & Handouts.
This PowerPoint on FTHS Counselors’
page on website.
Use the “Help” function as you
are filling out forms.
Ventura College FAFSA
Workshops.
55. Book Recommendation
“Paying for College
Without Going Broke”
by Kalman Chaney
2013 ed.
Two part guide:
First goes over the
financial aid process
Second goes over the
FAFSA & CSS:Profile
step by step
Available at bookstores
and online.
57. We Appreciate Your Help!
Thank you to:
Mrs. Ferris and her AVID team
and students.
Ventura College
Mrs. Vega and the counselors.
Mrs. Kapala and the college and
career staff.
Mr. Bova, Mr. Cohen and the
rest of the Foothill Staff.
PFSO for the delicious
refreshments.
Parents and Students for making
this evening a success!