Sallie Mae How to Pay for College: A Practical Guide for Families

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Overview

An indispensable resource for all college-bound graduates and their families—or college students looking for ways to ease their financial burdens—this handbook for getting the most financial aid available offers guidance to completing the often arduous and lengthy application process. Insights from financial aid officers help answer such questions as How much does college really cost? Should we borrow money to pay for college? How can the college help us pay? and How can we make college cheaper? in this ...
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Overview

An indispensable resource for all college-bound graduates and their families—or college students looking for ways to ease their financial burdens—this handbook for getting the most financial aid available offers guidance to completing the often arduous and lengthy application process. Insights from financial aid officers help answer such questions as How much does college really cost? Should we borrow money to pay for college? How can the college help us pay? and How can we make college cheaper? in this informative guide to getting the most money for college tuition, housing, books, and living expenses. Covering scholarships as well as financial aid and giving a step-by-step outline to both the paper and online FAFSA, this reference offers advice for avoiding the most common mistakes and for choosing the best package for individual families’ needs at all income levels. All the financial aid data included has been revised and updated for the most current trends in loan programs, financial aid rules and guidelines, and new tax credits.
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Editorial Reviews

From the Publisher
"A'must read' for every parent of a college student . . . one book you cannot afford to skip."  —Courtney McAnuff, vice president for enrollment services, Eastern Michigan University

"An extremely comprehensive guide...every parent and student's dream' about being knowledgeable about financial aid and college costs."  —Peggy Loewy-Wellisch, associate vice president for student financial services, Nova Southeastern University

"A wonderful tool for students and parents."  —Veronica J. Leech, director of financial aid, Central State University

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Product Details

  • ISBN-13: 9781932662986
  • Publisher: Supercollege, Llc
  • Publication date: 9/1/2011
  • Edition description: Third edition
  • Edition number: 3
  • Pages: 320
  • Sales rank: 1,417,568
  • Product dimensions: 7.00 (w) x 9.80 (h) x 0.90 (d)

Meet the Author

Gen Tanabe and Kelly Tanabe have been featured as college-admissions experts in numerous publications, including the New York Times, U.S. News & World Report, and USA Today. They are the authors of 50 Successful Ivy League Application Essays, 501 Ways for Adult Students to Pay for College, 1001 Ways to Pay for College, Accepted! 50 Successful Business School Admission Essays, Adult Students, Get into Any College: Secrets of Harvard Students, How to Write a Winning Scholarship Essay, and Sallie Mae How to Pay for College. They live in Belmont, California.
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Table of Contents


Acknowledgements     6
Introduction     15
The Sallie Mae Fund     17
How Are We Going to Pay for College?     19
The Myth About Paying for College     20
How Is This Book Different from Others?     20
Who Is Sallie Mae?     23
You Are Not Alone     23
How Much Does College Really Cost?     25
What the Headlines Don't Tell You     26
The New Reality: Few Families Pay Full Sticker Price     26
Where to Find Your College's Price Tag     30
Long-Term Planning     31
College Education as an Investment     32
How Much Financial Aid Will We Get?     35
Even the 'Millionaire Next Door' Qualifies for Financial Aid     35
The Financial Aid Cornucopia     36
The Financial Aid Process Demystified     37
The Power of the EFC     40
Parent Income: The Largest Factor     40
Parents' Assets     47
Parent Income + Assets = Parent EFC     50
Your Child's Contribution     51
Your Total EFC     52
Financial Need-A Moving Target     53
FASFA or CSS/PROFILE?     53
The Financial AidAdministrator: The Human Behind the Process     54
How Do We Apply for Federal Financial Aid?     63
Filling Out the FAFSA     63
The FAFSA, Line by Line     69
Your Information Is Subject to Verification     109
The CSS/PROFILE     109
How Do We Choose the Best Financial Aid Package?     111
The Financial Aid Award Letter     111
Evaluating the Award Letter     119
What If It's Not Enough?     129
Accepting the Award     133
Should We Borrow Money to Pay for College?     135
College: A Worthy Investment     136
The Loan Life Cycle     138
How to Borrow Money     141
Exploring the Federal Student Loan Program     144
Private Loans     149
Choosing a Lender     150
Other Loan Forgiveness and Scholarships for Service Programs     156
Other Places to Borrow Money     158
Borrowed Money to the Rescue     160
How Can My Child Win a Scholarship?     161
Dancing the Scholarship Two-Step     161
Starting the Scholarship Hunt     164
Seven Steps to Winning a Scholarship     169
Scholarships for Special Groups      181
Bringing Back the Money     182
How Can the College Help Us Pay?     183
Dollars from Your College     183
Guaranteed College Scholarships     186
In-State Tuition Discounts     188
Tuition Discounts     190
Pay for College in Installments     191
Emergency Aid: Money When You Need It Most     192
Don't Be Afraid to Ask for Help     192
How Can My State Help?     193
State Scholarships and Grants     193
State Loan Repayment Programs     195
State Work-Study     196
State Higher Education Agencies     196
What's the Best Way to Save for College?     213
Never Too Late to Save     213
Smart Saving Strategies     214
Set Your Goal     215
Reduce Expenses     218
Grow Your Money     223
Impact of Savings on Financial Aid     235
If You're in a Time Crunch     236
Can a Parent Catch a Tax Break?     239
Uncle Sam Wants You-To Have More Money     239
General Precautions before You Claim a Tax Break     240
Tax Credits Versus Deductions     240
Education Tax Deductions     246
Remember Those Bonds?     247
Tax-Free Scholarships and Grants     247
Staying Current with Tax Changes     248
How Can We Make College Cheaper?     249
Spend Less Time in School     252
Work and Learn Together     255
Bottom Line, Be Creative     256
What About the Military or Public Service?     257
Soldiering Your Way to an Education     257
Earning Education Money for Community Service     262
Trade Your Time for College Dollars     263
Financial Aid Scams     265
Keeping Your Money Safe     265
How to Spot a Scam     266
Red Flags of a Scam     270
Conclusion: The Start of a New Journey     273
A Happy Ending     273
Resources from Sallie Mae     277
Contributors     289
Glossary of Terms     294
Index     312
About the Authors and Sallie Mae     320
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