FAFSA & Aid Types

Grants, work‑study, and loans—know what’s free and what isn’t.

FAFSA

Submit early each year to maximize eligibility and options.

Scholarships

Search local, national, and field‑specific opportunities regularly.

Loans

Use federal first; borrow only what you need with a plan.

Budget While Studying

Track costs, avoid high‑interest debt, and build good habits early.

Plan Costs

Tuition, housing, books, transport, and personal expenses.

Track Spending

Use apps to monitor and avoid overdrafts and fees.

Build Credit

Pay on time, keep utilization low, and monitor reports.

Graduate with Confidence

Know repayment options and protect income with smart coverage.

FAQs

Answers to common student finance questions.

Borrow only what tuition and essentials require; aim for payments under 10% of expected income.

Payments scale to income and family size; review eligibility and potential forgiveness rules.

Consider only if stable income and strong credit; refinancing federal loans may reduce protections.