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T A A A D A ) L) N) N) N) N) N) N) + e. d N) N) c) k k k : L) k L) k k % ' Rǣ A ! : t' * 8) y) 0 ) ' N . [ . T ' . ' L " k 4 H N) N) ) . : Financial Need: The Basic Principle of Financial Aid
Eligibility for most federal and state and some institutional student financial aid programs is based on financial need or demonstrated eligibility. Financial need is the difference between the cost of attendance at the school and the familys expected contribution.
Cost of Attendance School A School B School C School D
Direct Costs
Tuition _______ _______ _______ _______
Fees _______ _______ _______ _______
Room _______ _______ _______ _______
Board (meals) _______ _______ _______ _______
Books and Supplies _______ _______ _______ _______
Indirect Costs
Transportation _______ _______ _______ _______
Personal/Misc. _______ _______ _______ _______
*Other _______ _______ _______ _______
Total Costs _______ _______ _______ _______
Minus ESTIMATED
Family Contribution
Parent Contribution _______ _______ _______ _______
Student Contribution _______ _______ _______ _______
Equals
ESTIMATED
Financial Need _______ _______ _______ _______
*Other may include: study abroad costs, dependent care expenses, disability-related expenses and/or cooperative education program costs.)
Handout 1
TIPS TO HELP FAMILIES PLAN AND CONTROL COLLEGE COSTS
Try to determine a realistic estimate of what it will cost you to enroll in college. Be sure to include all direct and indirect costs: tuition, fees, room, board, books and supplies, personal/miscellaneous expenses, transportation.
Consider these ways to reduce costs:
Set a realistic and reasonable budget for personal expenses such as clothing, entertainment, food not already paid for through an on-campus meal plan, etc. Stick to your budget.
Buy used books whenever possible. Always check for the edition to make sure youre buying the correct book.
Sell back books - to the bookstore - after the term ends OR sell your books to other students. (Wait until you no longer need them before selling!)
If you commute from home, share a ride if at all possible. See if you can schedule your classes so youre on campus only two or three days a week, instead of five.
If you plan to live on campus, get familiar with the area to determine if you really need a car. Can you use public transportation?
If you live off campus and its safe and not too far, walk to class or ride a bike. Its great exercise, reduces transportation expenses, and helps the environment!
If you park on your colleges campus, obey all parking regulations. Tickets and towing charges can add up quickly.
When going home for a weekend, share a ride.
Take advantage of the free (or at least, low cost) entertainment and cultural events on your campus.
Investigate thoroughly all your options for resources to assist you with the costs, including summer jobs, part time jobs on campus, AmeriCorps and opportunities through your parents places of employment.
Handout 2 FTC Consumer Alert!
Ouch! Students Getting Stung
Trying to Find $$$ for College
Need money for college? Doesn't everybody? With tuition bills skyrocketing, and room and board going through the roof, students and their families are looking for creative ways to finance a college education. Unfortunately, in their efforts to pay the bills, many of them are falling prey to scholarship and financial aid scams.
According to the Federal Trade Commission, unscrupulous companies guarantee or promise scholarships, grants or fantastic financial aid packages. Many use high pressure sales pitches at seminars where you're required to pay immediately or risk losing out on the "opportunity."
Some unscrupulous companies guarantee that they can get scholarships on behalf of students or award them "scholarships" in exchange for an advance fee. Most offer a "money back guarantee"- but attach conditions that make it impossible to get the refund. Others provide nothing for the student's advance fee - not even a list of potential sources; still others tell students they've been selected as "finalists" for awards that require an up-front fee. Sometimes, these companies ask for a student's checking account to "confirm eligibility," then debit the account without the student's consent. Other companies quote only a relatively small "monthly" or "weekly" fee and then ask for authorization to debit your checking account - for an undetermined length of time.
The FTC cautions students to look and listen for these tell-tale lines:
"The scholarship is guaranteed or your money back."
"You can't get this information anywhere else."
"I just need your credit card or bank account number to hold this scholarship."
"We'll do all the work."
"The scholarship will cost some money."
"You've been selected" by a "national foundation" to receive a scholarship - or "You're a finalist" in a contest you never entered.
If you attend a seminar on financial aid or scholarships, follow these steps:
Take your time. Don't be rushed into paying at the seminar. Avoid high-pressure sales pitches that require you to buy now or risk losing out on the opportunity. Solid opportunities are not sold through nerve-racking tactics.
Investigate the organization you're considering paying for help. Talk to a guidance counselor or financial aid advisor before spending your money. You may be able to get the same help for free.
Be wary of "success stories" or testimonials of extraordinary success - the seminar operation may have paid "shills" to give glowing stories. Instead, ask for a list of at least three local families who've used the services in the last year. Ask each if they're satisfied with the products and services received.
Be cautious about purchasing from seminar representatives who are reluctant to answer questions or who give evasive answers to your questions. Legitimate business people are more than willing to give you information about their service.
Ask how much money is charged for the service, the services that will be performed and the company's refund policy. Get this information in writing. Keep in mind that you may never recoup the money you give to an unscrupulous operator, despite stated refund policies.
The FTC says many legitimate companies advertise that they can get students access to lists of scholarships in exchange for an advance fee. Other legitimate services charge an advance fee to compare a student's profile with a database of scholarship opportunities and provide a list of awards for which a student may qualify. And, there are scholarship search engines on the World Wide Web. The difference: Legitimate companies never guarantee or promise scholarships or grants.
This publication was produced in cooperation with the College Parents of America. CPA is a resource, advisor and advocate working on behalf of the millions of parents of current and future college students throughout the United States. For more information about CPA, call toll free 1-888-256-4627 or visit CPA online at www.collegeparents.org.
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or to get free information on consumer issues, call toll-free, 1-877-FTC-HELP (1-877-382-4357), or use the online complaint form. The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
FEDERAL TRADE COMMISSION FOR THE CONSUMER
1-877-FTC-HELP www.ftc.gov
May 1999
Handout 3
Determining Eligibility for Student Aid
School A School B School C
Cost of Attendance $ 9,000 $ 15,000 $30,000
Family Contribution - 5,000 5,000 5,000
_______ _______ _______
Eligibility for
need-based aid $ 4,000 $ 10,000 $25,000
NOTE: Some institutions may not be able to meet your full eligibility for aid, leaving a gap between your need for aid and the amount of aid offered. In those situations, if the student wants to attend the college, the family will need to tap other resources (loans, family members, additional work).
Handout 4
PRIMARY PROGRAMS OF STUDENT FINANCIAL ASSISTANCE
NEED-BASED PROGRAMS
FEDERAL PELL GRANTS
Eligibility determined directly from Expected Family Contribution with maximum of $5,550 (anticipated)
for 2012-13.
FEDERAL SUPPLEMENTAL EDUCATIONAL OPPORTUNITY GRANTS
Awards of $100 - $4000 to the neediest students determined by institution.
FEDERAL PERKINS LOANS
Limited number of loans; recipients determined by institution. Maximum $5,500 per year; interest rate 5%.
FEDERAL WORK STUDY
Usually 8 to 15 hours per week; hourly rate of pay is at least minimum wage. Recipients selected by institution.
UNC NEED-BASED GRANT
Amounts range from $500 to $3800 for 2011-12 and vary depending on family contribution and cost of attendance.
NORTH CAROLINA COMMUNITY COLLEGE GRANT
Awards vary from $150 to $950 and depend on the amount of the Pell Grant.
NORTH CAROLINA EDUCATION LOTTERY SCHOLARSHIP
Considers amount of Pell Grant the student will receive. Awards vary and are determined by College Foundation. Eligible students whose familys contribution is $5,000 or less (calculated using FAFSA) will receive a total of at least $3,400 from Pell and/or Lottery Scholarship. (Note: will not be available at independent non-profit institutions in 2012-13. Only available at UNC constituent institutions and NC community colleges.)
NORTH CAROLINA NEED-BASED SCHOLARSHIP (NCNBS) NEW NC PROGRAM
Established by the 2011 NC General Assembly to provide need-based funding for students attending eligible private
institutions. Amounts vary depending on family contribution with a minimum of $500. NC residents attending one of the
eligible institutions may qualify. Additional information will be posted on CFNC.org as it becomes available.
FEDERAL SUBSIDIZED DIRECT STAFFORD LOANS
Maximum amounts of: $3,500 for freshmen; $4,500 for sophomores; $5,500 for juniors/seniors
Fixed interest rate is 3.4% for the period 7/1/11-6/30/12. Repayment begins six (6) months after no longer enrolled at least half-time; deferment and cancellation provisions available.
NON-NEED BASED PROGRAMS
FORGIVABLE EDUCATION LOANS FOR SERVICE (NC FELS) NEW NC PROGRAM
Established by the 2011 NC General Assembly through the consolidation of eight programs into
one. Purpose of the program is to provide financial assistance to qualified students to enable them to obtain
requisite education beyond the high school level to work in North Carolina in high-need professions and to
respond to critical employment shortages. Eligible institutions include: UNC campuses, community
college campuses, most private non-profit college campuses, postsecondary institutions owned or operated
by a hospital, school of nursing affiliated with a nonprofit postsecondary institution and other public or
nonprofit postsecondary institutions offering program of student not otherwise available in NC that is
deemed to be eligible. Additional information available at HYPERLINK "http://www.CFNC.org/FELS" www.CFNC.org/FELS and updated as
additional information is available.
FEDERAL DIRECT UNSUBSIDIZED STAFFORD LOANS
Interest begins while student is in school; for period 7/1/11-6/30/12, interest rate is 6.8%
FEDERAL DIRECT PLUS (PARENT) LOANS
Maximum available is equal to annual cost of education minus student financial aid. Interest rate is 7.9%
for period 7/1/12-6/30/13. Repayment can begin as early as 60 days after the loan is fully disbursed or the parent can
temporarily defer repayment during the time the student is enrolled at least half-time.
Handout 5
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