ࡱ>  ]bjbjqq ?Bee@894 c) > ! bbbbbbb:egb# ##bb&&&#Fb&#b&&Wt^'x$?[^bb0 c[zth$th^^th+^ !!&N"l" ! ! !bb% ! ! ! c####th ! ! ! ! ! ! ! ! ! :  PLANNING FOR COLLEGE COSTS AND FINANCIAL AID BUILDING FOR SUCCESS I. Introduction Overview of workshop Definition of financial aid Broad categories of financial aid D. Principles of financial aid II. Cost of Attendance A. Items included in direct cost B. Items included in indirect cost III. Applying for Financial Aid Completion of Free Application for Federal Student Aid (FAFSA) or FAFSA on the Web Potential other forms Reminders regarding applying for financial aid FAFSA Day Warnings about paying for financial aid services IV. Determination of Familys Ability to Pay (EFC) A. Components of the EFC B. Review of parental contribution C. Review of student contribution D. Need equation V. Available Financial Aid A. Federal aid programs B. State aid programs C. Institutional assistance D. Outside sources VI. Alternatives: Is that all there is? Programs to consider Tax Credits and Deductions Sources of additional information VII. Conclusion PLANNING FOR COLLEGE COSTS AND FINANCIAL AID BUILDING FOR SUCCESS Introduction Overhead 1 During this workshop, we will be discussing financial aid for the years after high school.whether you plan to attend a university or community college, technical or trade school, financial aid is usually available. Most institutions participate in some of the federal and state aid programs. The specific college catalog or Web site should have information about the various aid programs in which the school participates. I encourage you to take a look at the financial aid section of the college catalog if you have not already done so. Overhead 2 Unfortunately, the financial aid process is confusing and sometimes intimidating. While I dont expect you will leave tonight understanding all of it, I do hope you will have a better understanding of the process and what you need to do. During this workshop, we will cover the types of financial aid available; learn about the cost of college, how to apply for aid, and how your eligibility will be determined. We will discuss some specific aid programs, though not in great detail. There is a lot of printed information available on the individual aid programs (probably handed out at the workshop), and the Internet is a great resource as well. Well give you some useful Web sites at the end of the presentation. PRESENTER: Instruct audience on how to raise questionsdo you want them as they occur or at the end? Usually more useful to participants to take the questions as they occur and then defer specific questions till later in the presentation if you know the presentation will cover it. Overhead 3 Financial aid is defined as money in the forms of grants, scholarships, loans and employment to assist in paying the cost of attending a college, university, or vocational/technical school. Overhead 4 Financial aid can be either merit-based or need-based. Merit-based aid may be awarded to students with particular skills, talents, or abilities. It is typically considered gift aid, meaning it does not have to be paid back. Need-based aid is awarded to students who show financial need to attend a college, university, or vocational/technical school. This workshop will focus on need-based financial aid. Information will be provided later on programs and methods that are alternatives to the major need-based aid programs. Overhead 5 For need-based aid, the family is considered responsible for college costs to the extent that the family is able to pay, not just the extent to which they are willing to pay. Before the government or an institution assists with college expenses, the family is expected to pay whatever it can. Generally, financial aid is designed to provide students access to, as well as choice among, various types of colleges, universities, and vocational/technical schools. You must reapply for financial aid every yearWhile most families circumstances dont change from year to year, some do. Your financial situation will be evaluated each year; if you become unemployed, or win a lottery, the amount of aid for which you qualify will change. The most common change in a familys situation is a change in the number of people in the household or a change in the number in college, both of which will change the amount of aid a student may receive. The Cost of Attending College One of the most important principles to remember about the student financial aid business is that your financial need (or eligibility) is determined by subtracting your family contribution from what it costs to attend the school. Lets begin by talking about those costs. Overhead 6 Postsecondary education in whatever form is an investment in your future. As with any investment, there are costs involved. In postsecondary education, there are both direct and indirect costs. Direct costs are those that you pay to the institution or perhaps to a representative agency of the institution. Indirect costs are those that you still have to meet, but you do not necessarily pay to your institution. It is the institutions responsibility to establish cost of attendance budgets that are adequate and reasonable. Generally cost of attendance budgets that are established by the financial aid office are moderate and reasonable estimates of expenses. Overhead 7 Direct costs involve the items that we most commonly think of when we talk about college costs - Tuition, fees, room, board, books, and supplies. What are these? Tuition is what buys you a seat in a classroom, a space in your academic program. This is what you pay for the academic portion of your college education - your classes. Most schools charge a variety of fees that support activities both inside and outside the classroom. Examples of fees might include student activity fees (to support cultural programs, student clubs, publications, etc.), computer technology fees (to support computer lab facilities, instruction, etc.), athletic fees, laboratory fees, private music lessons, fees for advanced or remedial classes, etc. Some fees are charged to all students and some are charged based on your enrollment in a specific academic program or class. When we speak of room charges, we mean either a fee paid to allow you to live on campus in a residence hall or the rent you pay for an off campus apartment or house. Board means food. Even if you live at home with your parents, there is a modest allowance in student budgets for the cost of your housing and food. Books and supplies help you to succeed in your studies. You may be required to purchase textbooks, workbooks, notebooks, pencils, pens, high lighters, computers, software, other tools (drafting, for example), paint and paper (art major), etc. If you are not required to buy a computer, but you want to buy one, you can ask the financial aid office to include the expenses of a computer in your cost of education. You will probably have to borrow through a student loan program to pay for the computerit is unlikely that the college will offer you grant funds for a computer that is not required by the institution. Most institutions have plenty of computer labs so students do not have to buy a computer if they are unable to afford one. The cost of attendance is different for every school and student. Depending on your circumstances, you may have additional expenses like childcare or disability expenses. You may plan on a study-abroad semester that requires additional aid. Overheads 8 & 9 Indirect costs are not paid directly to the institution. They include personal/miscellaneous expenses such as clothing, personal items, laundry, snacks, etc. Transportation includes the costs of getting to and from your school. If you commute from your home, you may have these expenses daily. If you live away from home, you have to consider the expense of getting to school at the beginning of the year and returning home at the end. You might consider parking stickers, gas, bus, train, or plane fare, insurance, etc. Also, remember that some indirect costs are things that you might pay for whether or not you attend college. Adding both the direct and indirect costs together gives you a good idea of what it costs to go to school. (Note: At this time you may choose to use Financial Need: The Basic Principle handout for an exercise in budget construction. If size of group is small, consider using the document, Statistical Abstract,  HYPERLINK "http://www.northcarolina.edu/content.php/assessment/reports/abstract-current.htm" http://www.northcarolina.edu/content.php/assessment/reports/abstract-current.htm. CFNC has a number of resources to aid students in determining institutional costs and estimated financial aid. Questions? Distribute Cost Tips handout now if participants did not already pick it up as they came in. Applying for Financial Aid (Presenters Note: This year, the presentation will focus on the FAFSA on the Web rather than the paper FAFSA since this is the form the Department is encouraging students and families to complete. FAFSA on the Web is the quickest and easiest method of applying.) Overhead 10 The FAFSA is the required application for all types of Federal aid and most state and institutional financial aid programs. While most applicants use FAFSA on the Web (FOTW) to apply for financial aid, paper application options are still available. The FAFSA is available as an electronic PDF document that can be completed on the computer and printed, or it can be printed and completed by hand. English and Spanish PDF versions of the 2012-2013 FAFSA are available for download from IFAP. The printed and signed PDF FAFSA is then mailed to Federal Student Aid for processing. Beginning in late December, students are able to obtain a paper FAFSA by calling the Federal Student Aid Information Center (FSAIC) toll-free at 1-800-4-FED-AID (1-800-433-3243). Students may request up to three copies of the paper application and should receive their FAFSAs in 3 to 7 business days. Just remember it cannot be filed prior to January 1, preceding the fall semester a student plans to enroll in college. The FAFSA is year specific and can only be used to apply for aid during the year indicated on the form. FAFSA on the Phone is also available. A student can call the FSAIC to submit his or her FAFSA without the signature and without a waiting period. The applicant can use his or her PIN to electronically sign on the Web, print a signature page for mailing or wait to sign and return the paper SAR. The FOTW Worksheet, the most effective tool students can use to facilitate the online application process, is available in a PDF format (available for downloading from  HYPERLINK "http://www.FAFSA.gov" www.FAFSA.gov) by mid-December of a students senior year in high school. Students are encouraged to use the online method for filing the application. If you complete the FAFSA on the Web, you should request a Personal Identification Number. Well discuss how to apply for a PIN on the next slide. If you complete online, you will see your expected family contribution as soon as you hit the submit button. If you are still in the process of narrowing down your college selection, you may have the results from your FAFSA sent to all the schools you list on the FAFSA (four on paper FAFSA and 10 on FOTW). If you provide an e-mail address on the FAFSA, a web link to your Student Aid Report results will be sent to you about a week after processing. If you do not provide an e-mail address, your results will be sent to you about two weeks after filing your FAFSA, sooner if you file electronically. You should check the information carefully for accuracy. If you have kept a photocopy of the original FAFSA, this will be an easy process. If corrections need to be made, carefully follow all instructions for making the corrections. The FAFSA collects your demographic information. More importantly, it collects information about your familys financial situation, which the federal processor uses to determine what your expected family contribution toward your educational costs will be. Presenter NOTE: If you are going to cover the FAFSA on the Web at the end, skip this part for now. (Depending on the group you are speaking with, you may or may not want to be more specific in your coverage of the FAFSA on the Web. There is usually insufficient time to cover it in detail and provide other essential information; however some groups may need more in-depth coverage.) There are a few areas on the form that we will address briefly. First be sure the students social security number reported is accurate. Determine whose financial information is to be provided on the form. As most high school students live with and are supported by parents or guardians, we will assume that the parents income and asset value as well as the students income and assets will be reported. Follow all instructions carefully regarding family size and number of family members to be enrolled in college during the upcoming academic year. While actual tax return information is preferable (IRS Data Retrieval Tool will be discussed later), some families may need to report estimated tax information to meet the early deadlines of some colleges. Estimate carefully. If families do report estimated tax information, they should used the FAFSA Correction process after they have filed their taxes. The IRS Data Retrieval Tool can be used in the Correction process and the data meets verification requirements. Overhead 11 If you complete the FAFSA on the Web, you should request a Personal Identification Number (PIN) at  HYPERLINK "http://www.pin.ed.gov" www.pin.ed.gov at least two weeks prior to filing the FAFSA. You will be given the option of creating your own PIN or having the site create one for you. If the site creates one for you, you can choose to have your PIN mailed to you, or you can choose to receive an e-mail that will give you the link to a site where you can access your PIN. Your PIN will not be sent to you in an e-mail for security reasons. Instead, a link will be sent where you will be asked for some personal information to identify yourself before you are shown your PIN. Parents should request a PIN also; a parents PIN can be used for multiple applicationschildren or the parent him or herself. If you choose to display or personalize the PIN or receive the PIN via e-mail, you can use the PIN immediately to sign the application. However, to ensure you are able to sign electronically, you should apply for the PIN prior to the date you complete the FOTW. For all options except a PIN sent through postal mail, the PIN is issued in real-time so that the student or parent can use it immediately to sign the application (original or renewal) or correction electronically. The Social Security Number (SSN), name, and date of birth information submitted by the applicant and parent are transmitted for a match with the Social Security Administration (SSA). If the SSN, name, and date of birth are successfully matched, the PIN remains valid and becomes a permanent PIN. After receiving a successful SSN match from SSA, the PIN can be used to access SAR information on the Web, make corrections, and access NSLDS data. In the limited cases where the SSA match is unsuccessful, the PIN is disabled and an e-mail is sent to notify the applicant that a PIN will not be issued. When a valid e-mail address is not available, the notification is printed and mailed. If the applicant used the temporary PIN to sign his or her FAFSA, the applicant is also sent a paper SAR requesting all required signatures. Until a positive match is received from the SSA, the PIN cannot be used to sign any documents or access Web sites that require the PIN. Overhead 12 The major state aid programs use the FAFSA as the application; these include the NC Education Lottery Scholarship, UNC Need Based Scholarship, NC Community College Scholarship, New NC Need-Based Scholarship and others. Information can be obtained on CFNC.org or by asking the campus aid office. Overhead 13 Be sure to contact colleges to determine if other forms, in addition to the FAFSA, may be required for their aid programs. Some institutions will require you to complete the College Boards CSS Financial Aid PROFILE or an institutional financial aid application. You may also have to complete special forms for some state programs and other scholarship programs. Overhead 14 (NOTE TO PRESENTER: if this presentation is being done prior to 2/18/2012 counselors should have FAFSA Day announcement ---delete slide if this workshop is after 2/18/12!) If you would like assistance completing your FAFSA online, College Foundation of North Carolina, the North Carolina Association of Student Financial Aid Administrators and the State Employees Credit Union will be sponsoring FAFSA Day at more than 100 locations in all 100 counties to help students and families complete the FAFSA. This year FAFSA Day will be on Saturday, February 18 from 9 until 12 noon. You should register at  HYPERLINK "http://www.cfnc.org/fafsaday" CFNC.org/fafsaday or call 866-866-CFNC if you want to attendregistration enables the sites to have enough volunteers to help all those who want assistance, and those who sign-up will receive a list of items to bring and a reminder message a few days before the program. Overheads 15, 16, 17 and 20 (note there are hidden slides if you want more) Offers for help are everywhere for students and families today. They may arrive through the mail, over the Internet, through newspapers, magazines or over the phone. Some of the offers may be legitimate as CFNC.org and FAFSA Day, while others are misleading or scams. NOTE TO PRESENTER: Briefly review these slides highlighting the importance of using free financial aid information and researching firms that appear too good to be true! Call attention to FTC Handout with warnings. Overhead 22 Remember these points in applying for financial aid...... *Meet the earliest deadlines of colleges in which you are interested. *Complete all questions accurately. (Call and ask for clarification, if you are unsure what a particular question means.) *Use accurate information....estimate if necessary. *Dont wait until you are admitted to file the FAFSA and collect all information from the college about their financial aid process. *Keep a photocopy of all documents -- the FAFSA and any tax forms you use in completing the FAFSA. You may be asked to provide copies of those documents. Overhead 23 You may be selected for verification by the Federal Governments processor or by the institution. Be prepared to submit a variety of additional documentation to the financial aid office. Be sure to handle all requests for additional information promptly. The 2012-2013 verification process is different from previous years. Information for All Applicants Selected for Verification Number of household members Number of household members enrolled at least half-time in eligible postsecondary institutions Food Stamps Supplemental Nutrition Assistance Program (SNAP) if receipt is indicated on the 2012-2013 FAFSA, documentation will be required. Written confirmation from the provider will be requested or alternative documentation as determined by the institution to be sufficient to confirm that the applicant received Food Stamps in 2010 or 2011. Copy of SNAP card may be sufficient documentation. Child Support Paid if reported on the 2012-2013 FAFSA. Documentation may include a statement signed by the applicant, spouse, or parent who paid child support certifying: amount of child support paid, name of the person to whom child support was paid and the name of the children for whom child support was paid. Tax Filers (From IRS Data Retrieval) Adjusted Gross Income (AGI) Taxes paid Specific untaxed income items from tax return Untaxed IRA distributions Untaxed pensions Education credits IRA deductions Tax exempt interest Nontax Filers Copy of IRS Form W-2 for each source of employment income received for tax year 2011 A signed statement certifying That the individual has not filed and is not required to file an income tax return for tax year 2011 The sources of income earned form work as reported on the FAFSA and amounts of income from each source for tax year 2011 that is not on W-2s Overhead 24 & 25 IRS Data Retrieval Tool Filtering Question - A filtering question asks the applicant (and the applicants parents, when applicable) when and how the applicant filed a tax return to determine if the applicant should transfer tax information from the IRS into the FAFSA. Dynamically Displayed Messaging Based on the applicants response to the filtering question, new messages recommend or prohibit the use of the IRS Data Retrieval Tool. Messages to recommend the use of the IRS Data Retrieval Tool include a link to the IRS Web site. Enhanced IRS Data Tracking To identify applicants and parents who appear to be eligible to transfer tax information from the IRS, but have not, the Department has enhanced tracking of applicant and parent eligibility to use the IRS Data Retrieval Tool and their responses when they are presented with an option to link to the IRS Web site. Notifications to Applicants To encourage use of the IRS Data Retrieval Tool by students and parents who appear to be eligible to use the Tool, but have not, the department has updated existing communications and created new e-mail notifications to remind applicants and parents about the Tool and to encourage them to use the IRS Data Retrieval Tool in Student Correction Entry to ensure that accurate information is provided on the FAFSA. Applicants selected for verification who retrieve and transfer their income tax return information using the IRS Data Retrieval Process either when initially completing the FAFSA using FAFSA on the Web (FOTW) or through the corrections process for FOTW will be considered to have verified the FAFSA IRS information (AGI, taxes paid, and any of the applicable untaxed income items). However, if changes were made to the transferred information or if the institution has reason to believe that the information transferred is inaccurate, the applicants must provide other acceptable documentation (IRS Tax Return Transcript). Determination of Familys Ability to Pay College Costs (Note: Once again, depending on the group you are speaking with, you may think this section is too detailed, perhaps confusing. One option is to skip slides 26-30.) One of the great mysteries to many families is what actually happens with all the information they provide in completing the FAFSA once it is transmitted (or mailed) to the federal processor. The information on family size, number in college, income and assets is placed in a formula that has been established by the U. S. Congress. The answer resulting from this Federal Methodology is known as the Expected Family Contribution (EFC). The EFC is subtracted from the colleges cost of attendance to determine the students eligibility for need-based student aid. Overhead 26 The EFC has two parts: a parents contribution and a students contribution. While this workshop will not detail the formula, we would like to provide a brief overview of how the formula works. Overhead 27 First, the parents total income, both taxable and non-taxable (Note: You may need to give examples here) is determined. Income is reported from the calendar year preceding the academic year. Therefore, for the 2012-13 academic year, income reported will be for 2011. From that income, amounts for certain items over which a family has no discretion are subtracted. These would include federal and state taxes paid, social security withholding, and allowances for family living expenses. Overhead 28 Assets are used in the formula as these amounts help to provide a clearer picture of the familys financial strength. Parents net assets (less home equity and retirement accounts) are totaled. From these assets is subtracted an allowance for retirement and emergencies. A small percentage of remaining assets will be used in the next step to determine the parents portion of the EFC. (Note: Remember that while the percentage is 12%, the asset protection amount is applied to the reported assets BEFORE the 12% is assessed. Combined with the next step, for the average family this means that approximately 5-6% of their reportable assets are included in their expected family contribution. ) Overhead 29 At this point the information from income and assets are combined and a percentage is applied to this number to determine the Parent Contribution. If more than one student from the family will attend college during the upcoming academic year, the PC is divided by the number in college. (Note: Once again, you know the percentages, but probably should avoid the specifics.) Overhead 30 Student income and assets are also used in the determination of the EFC. Total student income (both taxable and non-taxable) is determined. Allowances for federal and state taxes paid and social security withholding are subtracted from the income. A modest protection amount ($6000) is then subtracted. NOTE: This Income Protection Allowance (IPA) is now indexed annually for inflation. Any remaining amount of income is assessed at 50 percent for the first part of the student contribution of the EFC. This means that a student can have an income of approximately $6000 without it increasing their Expected Family contribution. If they earn more, their eligibility for aid will likely go down. Overhead 31 The students assets are then totaled. Twenty percent of this amount will become a part of the students contribution. Overhead 32 The amount from the income calculation and the asset calculation are added together and become the students portion of the EFC. Overhead 33 The parents contribution is then added to the students contribution to total the EFC. Overhead 34 Remember the EFC is subtracted from the colleges cost of attendance to determine eligibility for need based financial aid. Colleges and universities will use this method for determining a students eligibility for federal funding; however, institutions which provide significant funds from their own sources may modify this determination of need. Overhead 35 In determining your eligibility for institutionally controlled need-based grants, institutions may choose to require a minimum student contribution regardless of the students income. They may also require parents to report home value and indebtedness as well as other asset information not required by the federal formula. In addition some colleges will adjust a family contribution by the number in college, if one of the college students is a parent. Contact the financial aid office of your institutions of choice for more in depth information. (Note: You may refer back to the handout on Financial Need: The Basic Principle of Financial Aid. Another handout shows examples of the principle of need at institutions with varying costs.) Overhead 36 Special Circumstances & Professional Judgment: For some of you, after you fill out your financial aid form, the information that you submitted may have changed. If that is the case, you should notify the financial aid office of those changes. If you suddenly become unemployed, if there is a death in your family, a change in marital status, medical expenses not covered by insurance or student cannot obtain parent information; these are special circumstances that could increase your aid eligibility. It is up to the professional judgment of the financial aid administrator to determine if your special circumstances would cause a change in your eligibility. You should not call your financial aid administrator to compare aid packages from other schools or to attempt to negotiate your aid package. Financial Aid Administrators can only make changes using their professional judgment based upon special circumstances. Available Financial Aid Once an institution has received the result of your FAFSA and other documents required, you will be sent information about the financial aid award you are eligible to receive. Just a reminder ... In awarding need-based aid, a financial aid office must consider all aid i.e.--merit, athletic, or outside agencies. If a merit, athletic or outside scholarship meets your financial need, the financial aid office cannot give you need-based funds. Overhead 37 There are four major sources of student aid: Federal government, states, institutions, and various outside agencies, corporations, and foundations. Overhead 38 The two main types of need-based aid are: Gift aid and Self-help aid. Gift aid does not have to be earned or repaid. Grants and scholarships are gift aid. Self-help aid must be earned or repaid. Loans must be repaid, but do not have to be repaid until the student leaves school, and they carry lower interest rates than most other loans. The government pays the interest on need-based loans while the student is enrolled. Work programs allow students to earn money to pay educational expenses during enrollment in school. Because students must work for this money, employment through the college is considered a form of self-help aid. (Note: A handout of most federal and state aid programs is available. This can be a major time saver in these workshops. Also perhaps you or the counselor has sufficient copies of The Student Guide, or Funding Your Education, both published by the US Department of Education. These provide excellent information about all the federal programs.) Overhead 39 Federal aid is the largest single source of money for students who can demonstrate that they have financial need. Eligible institutions can give federal money to students based on rules established by Congress and the US Department of Education. Federal Pell Grants are need-based gift aid. If a student is eligible for a Federal Pell Grant, the amount received depends on expected family contribution and the cost to attend the school of choice. The proceeds come to the school and the school delivers it to the student. It will be delivered to the student regardless of how many students at the same school also show need for this type of aid. New for 2009-2010 and succeeding award years: Each student with a Federal Pell Grant-eligible EFC whose parent or guardian was a member of the Armed Forces of the United States and died as a result of performing military service in Iraq or Afghanistan after September 11, 2001, will be determined to have an EFC of zero that will generally apply to all Title IV, HEA programs. Thus, these students will qualify for the maximum Pell regardless of initial Pell eligibility. New for 2010-2011 and succeeding award years: Another program similar to one above is IASG (the Iraq and Afghanistan Service Grants) Program. This is a non-need-based program available to a student whose parent or guardian died as a result of military service in Iraq or Afghanistan after September 11, 2001. At the time of the parent or guardians death, the student must have been less 24 years of age or enrolled at an institution of higher education. This grant will be the same amount as a maximum Pell Grant. The Grant may not exceed the students cost of attendance and payments are adjusted like Pell Grants if the student is enrolled less than full-time. Unlike Pell Grants, IASG Program grants are not considered to be estimated financial assistance. The students EFC will not be changed as a result of a parent or guardians service. Federal TEACH Grant, Teacher Education Assistance for College and Higher Education Grants, is a federal program that provides up to $4,000 a year to students who sign an agreement to serve as full-time teachers for at least four years within eight years of completing their course of study and teach math, science, a foreign language, bilingual education, special education, or a subject designated as high need by the federal or state government, or local education agency and approved by the Department, or serve as a reading specialist. Also, recipients must comply with the requirements for being highly qualified teachers. Failure to fulfill the service requirement will cause the TEACH Grant to be permanently converted to an unsubsidized Direct Loan. Recipients must be citizens or eligible non-citizens. The award is prorated for less than full-time enrollment. Federal Perkins Loans, Federal Work-Study, and Federal Supplemental Educational Opportunity Grants are campus-based programs. The federal government gives each participating school a certain amount of money for each of these programs. The school then decides which of its needy students will receive the money and how much they will receive, within the limits set by the federal government. The awards can vary from school to school. The William D. Ford Federal Direct Loan (Direct Loan) Program is a name used to refer collectively to several different programs. There are the Federal Direct Stafford/Ford Loans (subsidized), Federal Direct Unsubsidized Stafford/Ford Loans, and Federal Direct PLUS Loans. Under the Direct Loan Programs, the lender is the federal government. Overhead 40 North Carolina has both gift aid and self-help aid available to in-state students. Some examples are listed here. Some state scholarships are based solely on merit; others are designed to support students interested in certain professions to help fill a shortage within the state; and still others are based only on demonstrated need. New Program: (NCLTG and SCSF eliminated) North Carolina Need-Based Scholarship (NCNBS) established by the 2011 NC General Assembly to provide need-based funding for students attending eligible private institutions including North Carolina Independent Colleges and Universities, Johnson & Wales University, Mid-Atlantic Christian University, The College at Southeastern, Carolinas College of Health Sciences and Mercy School of Nursing. Eligible students must be NC residents enrolled in one of the eligible private institutions and demonstrate eligibility based on a calculation of need, using income data from the Free Application for Federal Student Aid (FAFSA). The value of the award varies, based on legislative appropriations. Consideration for the grant is automatic once the FAFSA is filed; no formal deadline has been established. Applicants should meet priority deadlines established by the institution they plan to attend. Late applicants may be denied if sufficient funds are not available. The North Carolina Education Lottery Scholarship was created by the 2005 General Assembly to provide financial assistance to needy NC students. It is available for students in UNC campuses and Community College Campuses where students currently receive state aid. Eligible students must be NC residents enrolled at least half-time, undergraduates, meet all Pell Grant eligibility rules (except EFC), and have EFC less than or equal $5,000. It can be received for a maximum of eight semesters or the equivalent. ELS designed to ensure needy students receive a set minimum amount of grant aid (in combination with the Pell Grant). An example considering the floor amount is $3,400: Pell = $1,900 and ELS = $1,500 Pell = $800 and ELS = $2,600 If EFC > Pell eligibility and < 5001, then no Pell and ELS is $3,400 Result: every eligible student whose family can afford to pay$5,000 or less (calculated using FAFSA) will receive at least $3,400 from Pell and/or Lottery Scholarship. New Program: Forgivable Education Loans for Service Program (FELS) from consolidation of Nurse Educators of Tomorrow Scholarship Loan, Nurse Education Scholarship Loan Program, Nursing Scholars Program, Board of Governors Dental Scholarship Loan, Board of Governors Medical Scholarship Loan, Prospective Teachers Scholarship Loan, Teacher Assistant Scholarship Fund and Health, Science and Mathematics Student Loan. Available for students attending: UNC constituent institutions NC community colleges Nonprofit postsecondary institutions Postsecondary institution owned or operated by a hospital authority School of nursing affiliated with a nonprofit postsecondary institution Another public or nonprofit postsecondary institution offering a program of study not otherwise available in NC that is deemed to be eligible under rules promulgated by the Authority FELS funding is available beginning with the 2012-2013 academic year and provides funding for North Carolina students pursuing academic programs in fields identified as critical needs. Program details and qualifying disciplines are posted on  HYPERLINK "http://www.CFNC.org/FELS" www.CFNC.org/FELS being in December. Overhead 41 North Carolina recently initiated the NC Reach Scholarship Program to assist young people who were adopted from foster care after age 12 and those who aged out of foster care at age 18 to obtain a postsecondary education from North Carolina public community colleges, colleges or universities. NC Reach is designed to help recipients attend and graduate without incurring debt. Students receive a grant to assist them with tuition and school related expenses, as well as comprehensive support services to help them succeed academically. Student eligibility: Adopted from foster care after age 12 or aged out of NC foster care at age 18 (must have been in NC DSS care on 18th birthday) Eligible until 26th birthday Must be enrolled in one of the 74 North Carolina public colleges, community colleges, or universities. Program Description: Grants offered for up to 4 years, including fall, spring, and summer terms. Funds up to the schools full cost of attendance after other public funds and scholarships have been applied. Applications and additional information are available at  HYPERLINK "http://www.ncreach.org" www.ncreach.org. Overhead 42 Many schools provide need-based and non need-based aid to their students. This type of aid is usually referred to as "institutional aid" and varies by school. The best source of information about this type of aid is the school's financial aid office. Outside assistance or private aid comes from community groups and agencies. Local organizations, churches, civic groups, and parent's employers are often sources of support. Students with military backgrounds often are eligible for veteran's benefits to assist with education. Students with special needs or disabilities can seek assistance from Vocational Rehabilitation. Alternatives: Is that all there is? Overhead 43 Many of you will not qualify for as much need-based aid as you had anticipated; some of you may not have any eligibility at all. But do not get discouraged, there are numerous options available to families in addition to the need-based aid programs. Federal Direct Unsubsidized Loan Program: Every student is eligible for a loan. If it has been determined that you are not eligible for the subsidized Direct Stafford loan, then you are eligible for the unsubsidized loan. (By the way, this is why the companies will guarantee they will find you money for college!) You can borrow the same amount with the same repayment options; the only difference is that you must be responsible for the interest while you are in school (subsidized and unsubsidized interest rate for 2012-13 is 6.8%). If you have qualified for less than the maximum loan limit in subsidized Direct loan, you may receive the remainder of your eligibility in an unsubsidized loan. Federal PLUS Program: PLUS is an acronym that stands for Parent Loan for Undergraduate Students. As parents, you are currently able to borrow up to the cost of education, less any financial assistance your student is receiving. This is a loan that you need to apply for each year and currently has a fixed interest rate of 7.9% for DL. A student and parents must complete a FAFSA if the students parents want a PLUS loan. The Federal PLUS Loan program includes loans for parents of dependent students and graduate and professional students. Overhead 44 Is that all there is? Private Alternative Loans for students: Some families have turned to private loan sources to supplement the federal loan programs. If you need to borrow more money than is available through the federal education loan programs, consult with your financial aid office for the loan program information. They will offer information on programs they have found beneficial to their students. As you choose a lender, pay particular attention to fees charged as well as the interest rate. Payment Plans: If you are already planning to pay for college out of your monthly budget, check with the institutions you are considering for a monthly payment plan. Some institutions will have an outside organization handle their payment plan, while other institutions may offer their own payment plan. This is an increasingly popular way of spreading the cost over the period of the academic year, instead of making large payments at the beginning of a semester. Outside Scholarships: You should apply for scholarships from other sources, but there is a correct and incorrect way of doing so. The incorrect way to search for scholarships is to pay a fee for an organization or individual to locate scholarships for you. In almost every case, the information you are paying for is already free and readily available. The correct way is to locate this information without paying a fee. You will find information about scholarships from your high school guidance office, institutions you are applying to, and most importantly, from the Internet. Tax Credits and Deductions In 1997 and again in 2001, the Congress enacted legislation that provides tax relief to college students and their parents. Some of the benefits are restricted by income; others are designed to help any family. We dont have time tonight to cover all of them in depth; if you use a tax preparer, ask him or her about the benefits. Or, access the CFNC Web site and click on paying for college and then tax savings to see details about who qualifies for the benefits. Overhead 45 American Opportunity Tax Credit (formerly Hope Tax Credit) The American Opportunity Tax Credit is not really a scholarshipit is a credit parents can claim on their tax return for the tax year in which the expense was incurred. For example, if you pay tuition for your freshman in the fall of 2011, when you file your 2011 return in early 2012, you may be able to claim a credit for some of those expenses. The credit can be used to pay for tuition, fees and course materials (books, supplies and equipment needed for a course of study) for the first four years of college. The credit is limited to a total of $2,500 and is calculated by allowing 100% of the first $2000 you pay and 25% of the next $2000 you pay, which is $500, for a total of $2500. If you pay less than $4000, you will not be able to claim the full $2500 credit. Married couples filing jointly who have modified adjusted gross income of up to $160,000 ($80,000 for single parents) can claim the full credit for 2011. Above that income level, the credit gradually phases out, with those earning up to $180,000 ($90,000 for singles) eligible to claim a partial credit. A family that does not earn enough to pay income taxes will get up to $1,000 back 40% refundable credit. The Credit may not be available after 2011. PRESENTER: See examples on slide. Overhead 46 Lifetime Learning The Lifetime Learning tax credit can be used for undergraduate and graduate coursework as well as professional development courses that parents might take to enhance job skills. There is no limit on the number of years this credit can be claimed. For 2011, parents can claim up to 20% of their expenses (tuition, fees, and books) up to a maximum of $2000. The Lifetime Learning Tax Credit is restricted to families with incomes below $120,000 for joint filers and $60,000 for single filers. Those with incomes between $100,000 and $120,000 ($50,000-60,000 for single filers) are subject to a reduced eligibility. Overhead 47 Tax deduction for higher education can reduce amount of income subject to tax by up to $4,000. Qualified expenses must be for tuition and fees required for enrollment or attendance at an eligible postsecondary educational institution, but not including personal, living, or family expenses, such as room and board. Deduction is taken as an adjustment to income on Form 1040 or 1040A. Taxpayers with qualifying incomes ($160,000 and lower for joint filers and $80,000 and lower for single filers) may deduct up to $4,000 in 2011 for qualified tuition and related expenses. Cannot claim this deduction if filing status is married filing separately or if another person can claim an exemption for student as a dependent on his or her tax return. Eligible student is a student who is enrolled in one or more courses at an eligible educational institution. Overhead 48 To continue your investigation of student financial aid, you may wish to read additional publications or surf the web. Here are some suggestions..... Remaining slides pertain to the FAFSA on the Web and the FAFSA on the Web Worksheet Note to the presenter: You may not want to show all the pages of FOTW Worksheet. Review and hide slides that you dont intend to cover. The FOTW is the preferred method for submitting an application. The website will alert you to potential errors so you can fix them before you submit the form. Note: FOTW has been updated to allow dependent students who are unable to provide parental data to submit their applications online. No EFC will be calculated and students will be advised of the consequences of submitting an application without parental data. Students will be advised to follow-up with the financial aid office at the college they plan to attend. This option is explained in detail for the student on FOTW. Be sure audience understands this is not an optional way to apply for aid!! The student may miss out on aid if they dont complete the form in its entirety. The 2012-2013 FAFSA on the Web Confirmation page includes the students estimated Pell amount, estimated federal student loan amount, which represents the Federal Direct Student Loan Estimate (combined subsidized and unsubsidized) based on the applicants dependency status and grade level, graduation, retention, and transfer rates for the schools selected and a link to College Navigator for additional information about the colleges selected including college costs, admissions policies, and financial aid available. Changes for 2012-2013: IRS Data Retrieval Tool now recommended for students and parents completing the FOTW. This is the easiest way to assure accurate tax return information on the initial application or correction application. May be used in both applications. In a few simple steps, the student and/or parent may be able to view the tax return information and transfer it directly into the FAFSA. IRS Tax Transcript will be required, in most cases, for verification of tax return information if the IRS Data Retrieval Tool is not used. A copy of the IRS Tax Return will probably not be sufficient for verification. Income threshold for the Automatic Zero EFC designation will decrease from $31,000 to $23,000. The second year that student and parent(s) must file a FAFSA even if the only aid the student wants is a Parent PLUS Loan Overheads 61 & 62 Conclusion and Summary Respond promptly to colleges if additional information requested Tax return transcripts or other information College will notify via email, Web or mail of aid eligibility Student should follow colleges instructions to accept or decline aid offered. Aid available from federal and state governments Student and parent should each have a PIN  HYPERLINK "http://www.pin.ed.gov" www.pin.ed.gov Get your taxes done before March, if possible! 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