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.
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!
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!
Nontraditional students include adult learners pursuing secondary education for the first time, single parents, and those with a full-time job seeking to take classes part-time. This guide offers tips, resources, and a directory of scholarships and grants designed for nontraditional students.
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.
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.
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
Nontraditional students include adult learners pursuing secondary education for the first time, single parents, and those with a full-time job seeking to take classes part-time. This guide offers tips, resources, and a directory of scholarships and grants designed for nontraditional students.
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.
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.
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
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/
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)
Embracing GenAI - A Strategic ImperativePeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
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.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
The French Revolution, which began in 1789, was a period of radical social and political upheaval in France. It marked the decline of absolute monarchies, the rise of secular and democratic republics, and the eventual rise of Napoleon Bonaparte. This revolutionary period is crucial in understanding the transition from feudalism to modernity in Europe.
For more information, visit-www.vavaclasses.com
Synthetic Fiber Construction in lab .pptxPavel ( NSTU)
Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
Biological screening of herbal drugs: Introduction and Need for
Phyto-Pharmacological Screening, New Strategies for evaluating
Natural Products, In vitro evaluation techniques for Antioxidants, Antimicrobial and Anticancer drugs. In vivo evaluation techniques
for Anti-inflammatory, Antiulcer, Anticancer, Wound healing, Antidiabetic, Hepatoprotective, Cardio protective, Diuretics and
Antifertility, Toxicity studies as per OECD guidelines
Introduction to AI for Nonprofits with Tapp NetworkTechSoup
Dive into the world of AI! Experts Jon Hill and Tareq Monaur will guide you through AI's role in enhancing nonprofit websites and basic marketing strategies, making it easy to understand and apply.
June 3, 2024 Anti-Semitism Letter Sent to MIT President Kornbluth and MIT Cor...Levi Shapiro
Letter from the Congress of the United States regarding Anti-Semitism sent June 3rd to MIT President Sally Kornbluth, MIT Corp Chair, Mark Gorenberg
Dear Dr. Kornbluth and Mr. Gorenberg,
The US House of Representatives is deeply concerned by ongoing and pervasive acts of antisemitic
harassment and intimidation at the Massachusetts Institute of Technology (MIT). Failing to act decisively to ensure a safe learning environment for all students would be a grave dereliction of your responsibilities as President of MIT and Chair of the MIT Corporation.
This Congress will not stand idly by and allow an environment hostile to Jewish students to persist. The House believes that your institution is in violation of Title VI of the Civil Rights Act, and the inability or
unwillingness to rectify this violation through action requires accountability.
Postsecondary education is a unique opportunity for students to learn and have their ideas and beliefs challenged. However, universities receiving hundreds of millions of federal funds annually have denied
students that opportunity and have been hijacked to become venues for the promotion of terrorism, antisemitic harassment and intimidation, unlawful encampments, and in some cases, assaults and riots.
The House of Representatives will not countenance the use of federal funds to indoctrinate students into hateful, antisemitic, anti-American supporters of terrorism. Investigations into campus antisemitism by the Committee on Education and the Workforce and the Committee on Ways and Means have been expanded into a Congress-wide probe across all relevant jurisdictions to address this national crisis. The undersigned Committees will conduct oversight into the use of federal funds at MIT and its learning environment under authorities granted to each Committee.
• The Committee on Education and the Workforce has been investigating your institution since December 7, 2023. The Committee has broad jurisdiction over postsecondary education, including its compliance with Title VI of the Civil Rights Act, campus safety concerns over disruptions to the learning environment, and the awarding of federal student aid under the Higher Education Act.
• The Committee on Oversight and Accountability is investigating the sources of funding and other support flowing to groups espousing pro-Hamas propaganda and engaged in antisemitic harassment and intimidation of students. The Committee on Oversight and Accountability is the principal oversight committee of the US House of Representatives and has broad authority to investigate “any matter” at “any time” under House Rule X.
• The Committee on Ways and Means has been investigating several universities since November 15, 2023, when the Committee held a hearing entitled From Ivory Towers to Dark Corners: Investigating the Nexus Between Antisemitism, Tax-Exempt Universities, and Terror Financing. The Committee followed the hearing with letters to those institutions on January 10, 202
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.
1. Money Doesn’t Grow
on Trees, You Have to
Dig for it!
Pascua Yaqui Tribe
Higher Education Assistance Program
2. Financial Literacy
• Today we will discuss:
– What is Financial Aid
– FAFSA
– Where you find more money
– What you need to know about Student
Loans
3. Financial Aid
Financial Aid is money to help you
pay for college. This money can come
from many different places.
Places like:
the US Government
banks
your school
non-profit organizations
private donors
**The Higher Education
Assistance Program**
Check out this quick video to learn
more about different types of
Financial Aid (double click the black
box)
4. FAFSA
What is FAFSA?
FAFSA stands for
Free
Application for
Federal
Student
Aid
To apply for federal student aid, such as federal
grants like the PELL grant, work-study, and loans,
you need to complete the Free Application for
Federal Student Aid (FAFSA). Completing and
submitting the FAFSA is free and easier than
ever, and it gives you access to the largest source
of financial aid to pay for college or career
school.
In addition, many states and colleges use your
FAFSA information to determine your eligibility
for state and school aid, and some private
financial aid providers may use your FAFSA
information to determine whether you qualify
for their aid.
Your FAFSA application can be submitted
as early as October 1st
for the following
academic school year.
For example, October 1, 2018 you will be
able to submit your FAFSA application for
the 2019-20 school year. This would be for
the Fall 2019 and Spring 2020 semesters.
Some states and colleges have earlier
deadlines for applying for state and
institutional financial aid. You can find
your state’s deadline at
https://fafsa.ed.gov/deadlines.htm
Check with your college
Financial Aid Office about other
deadlines.
5. FSA ID Your FSA ID is used to sign legally binding
documents electronically. It has the same
legal status as a written signature.
Don't give your FSA ID to anyone or allow
anyone to create an FSA ID for you—not
even your parent, your child, or someone
helping you fill out the FAFSA form.
Sharing your FSA ID is like teaching
someone to forge your signature; and it
could put you at risk of identity theft!
What is an FSA ID?
The FSA ID is the
username and password
you use on federal student
aid websites such as
www.fafsa.ed.gov and
www.StudentLoans.gov
Your parent/s may also
need an FSA ID,
depending on your
situation. Go here to create
your FSA ID if you have
not already done so.
https://fsaid.ed.gov
6. Grants: What you need to know
While grants are essentially free
money to help pay for your
higher education, there are rules.
Certain scenarios may require that
a portion or all of the grant funds
be repaid, For example, if you
withdraw from school before
finishing an enrollment period
such as a semester.
Here are some other examples of why
you might have to repay all or part of
a federal grant:
•Your enrollment status changed in a
way that reduced your eligibility for
your grant (for instance, if you switch
from full-time enrollment to part-
time, your grant amount will be
reduced).
•You received outside
scholarships or grants that
reduced your need for
federal student aid.
7. Scholarships
Scholarships are available for
many different things such as:
having good grades
being a student athlete
being part of a club
hobbies
for being a male or female or
LGBQT
based on your ethnicity
Check out these websites for more
scholarship information:
https://www.fastweb.com/
http://finaid.org/scholarships/
https://bigfuture.collegeboard.org/scholar
ship-search
https://collegefund.org/student-
resources/scholarships/scholarship-
programs/
http://www.pascuayaqui-
nsn.gov/index.php/higher-educations
Don’t forget to check your
schools Financial Aid office for
scholarships available to you.
8. Loans
Loans can be scary but when you apply for
financial aid, you may be offered loans as
part of your school’s financial aid offer.
**A loan is money you borrow and must
pay back with interest.
**INTEREST is a loan expense charged
for the use of borrowed money. Interest is
paid by a borrower (you) to a lender (the
bank). The expense is calculated as a
percentage of the unpaid principal amount
of the loan.
Check out this video for more about
Student Loans (double click the black box)
9. Subsidized
vs
Unsubsidized
Here’s a quick overview of Direct Unsubsidized Loans:
Direct Unsubsidized Loans are available to
undergraduate and graduate students; there is no
requirement to demonstrate financial need.
Your school determines the amount you can borrow
based on your cost of attendance and other financial aid
you receive.
You are responsible for paying the interest on a Direct
Unsubsidized Loan during all periods.
If you choose not to pay the interest while you are in
school and during grace periods and deferment or
forbearance periods, your interest will accrue
(accumulate) and be capitalized
that mean your interest will be added to the
amount of your loan).
Here’s a quick overview of Direct
Subsidized Loans:
Direct Subsidized Loans are available
to undergraduate students with
financial need.
Your school determines the amount
you can borrow, and the amount may
not exceed your financial need.
The U.S. Department of Education
pays the interest on a Direct
Subsidized Loan while
oyou’re in school at least half-time
ofor the first six months after you
leave school (referred to as a grace
period*)
oduring a period of deferment (a
postponement of loan payments).
10. Do you Really Need a Loan?
University Tuition $ 5,525
Books (approx.) $ 500
Parking Pass $ 460
Misc $ 250
Total Cost estimate $ 6,735
HEAP Award $ 5,500
PELL Grant $ 2,750
Total Aid $ 8,250
What’s left $ 1,515
In this particular situation, do you really need a loan?
Your situation may be different than the one used here. You may have a child to
care for, rent, a car payment. There are several factors to take into consideration.
You will need to look at your “Cash Flow”. This is the money you have coming in
(scholarships, paychecks, etc) versus the money going out (tuition, rent, food,
childcare)
If you need help looking at your “Cash Flow” see your assigned EAS for assistance.
11. What’s Next
• Once you have completed your
FAFSA and accepted your
admissions to your school, you
may be asked to submit additional
documents to your Financial Aid
Office.
• Be sure to check your student
portal under Financial Aid, to see
what you need to submit.
• Submit ALL requested documents
as soon as possible.
• Your funding will be delayed or
denied if you do not submit all of
the requested documents.
• Helpful Hints:
– You may be requested to submit your
and/or your parents Tax Transcripts,
you can request this information online
at the link below:
https://www.irs.gov/individuals/get-transcript
– Failing to use your legal name: Your
name must be listed on your FAFSA as
it appears on your Social Security card.
Don’t enter nicknames or other
variations on your name
– Leaving blank fields: Too many blanks
may cause miscalculations
and an application rejection.
Enter a '0' or 'not applicable'
instead of leaving a blank.
12. Food for Thought
• Regardless of how you fund your education, it is an investment into your
future….Invest wisely!
• If you have any questions about your Student Financial Aid or Loans, contact your
schools Financial Aid Office right away.
• Before making changes to your schedule, plan of study or major you should speak with
your advisement counselor, your EAS, and your Financial Aid Office to see if AND
how it will affect your funding.
• Make the Financial Aid Office staff your friend. They are the ones helping you find
money to pay for school. BE NICE TO THEM!!
• Be mindful of your Cash Flow. Keep more money coming in than going out.
• The debt you get into today will haunt you tomorrow.
• Be award of WANTS vs NEEDS
Your Money... Your Goals!!
13. Pop Quiz
YES …. There is a quiz.
Once completed, be sure to include
a screenshot or print out of your
“My Grades” page with your
completed HEAP application.