How to Apply for Federal Student Aid Using the FASFA

How to Apply for Federal Student Aid Using the FASFA You want to go to college so you can make a lot of money but you dont have a lot of money, so you cant go to college. Congratulations! You have just met the main requirements for getting federal student aid. The U.S. Department of Education provides more than $67 billion in loans, grants and campus-based aid every year to assist millions of students and their families pay for postsecondary education. This feature presents an overview of the types of federal student financial aid available, eligibility requirements and the application process. Handy links directly to detailed information from the Department of Education are provided throughout. Federal Student Loan Programs The governments Stafford Loan program offers both subsidized and unsubsidized student loans.   Subsidized loans require proof of financial need. All interest on subsidized loans is paid by the government while the student is actually enrolled at least half-time and during certain periods, such as  deferment and forbearance. Unsubsidized loans are available regardless of financial need. The student must pay all interest on unsubsidized loans. The Direct PLUS program offers unsubsidized loans to parents of dependent students. The parents must pay all interest on Direct PLUS loans. Amounts that can be borrowed, repayment options and interest rates vary greatly and can be modified during the term of the loan. For details on federal student loan programs, see: Federal Direct Student Loans - Information For Students (Note: Some teachers and childcare providers may be able to cancel payment of portions of their federal student loans. See: Loan Cancellation for Teachers and Cancellation for Childcare Providers.) Federal Pell Grants Unlike loans, federal Pell Grants do not have to be paid back. Eligibility is based on financial need. Maximum amounts available vary yearly as determined by Congress. Besides financial need, the amount of a Pell grant also depends on costs to attend school, the students status as a full- or part-time student, and the students plans to attend school for a full academic year or less. Pell grant funds are paid directly to the student by the school at least once each semester, trimester, or quarter. Campus-Based Aid Programs Campus-based programs like the Federal Supplemental Educational Opportunity Grant (FSEOG), Federal Work-Study (FWS), and Federal Perkins Loan programs are administered directly by the financial aid office at each participating school. Federal funds for these programs are given to the schools and distributed to students at the schools discretion. Amounts students can receive depends on individual financial need, amounts of other aid the student receives and the total availability of funds at the school. Basic Eligibility Requirements for Student Aid Eligibility for federal student aid is determined on the basis of financial need and on several other factors. The financial aid administrator at the college or career school you plan to attend will determine your eligibility. Basically, to receive aid from federal programs, you must: qualify for financial need (except for certain loans); have a high school diploma or a General Education Development (GED) certificate, or pass a test approved by the U.S. Department of Education; be working toward a degree or certificate; be enrolled in an eligible program; be a U.S. citizen or eligible non-citizen; have a valid Social Security Number; register with the Selective Service if required; and maintain satisfactory academic progress once in school. Under federal law, persons who have been convicted under federal or state law of the sale or possession of drugs are not eligible for federal student aid. If you have a conviction or convictions for these offenses, call the Federal Student Aid Information Center at 1-800-4-FED-AID (1-800-433-3243) to find out if, or how, this law applies to you. Even if you are ineligible for federal aid, the Education Department urges you to complete a Free Application for Federal Student Aid, because you may be eligible for nonfederal aid from states and private institutions. How to Apply for Student Aid - The FASFA The Free Application for Federal Student Aid (FAFSA) can be used to apply for all loans, grants, and campus-based student aid programs. The FASFA can be completed online or on paper. The FAFSA Web site takes you through every step of the process and provides all the information you need to apply for federal student aid. Applicants can access worksheets to estimate their incomes, electronically sign loan documents, save an application at any computer and print a complete report. How easy is the FAFSA online application process? In 2000, over 4 million student loan applications were processed online, a number the Department of Education expects to top 6 million during 2002. Between Jan. 1 and March 1, 2002, over 500,000 applications had already been processed online. Questions? If you have any questions, or require additional information on student financial assistance, you may contact your high school guidance counselor, the financial aid officer at the postsecondary school you plan to attend, or the Federal Student Aid Information Center, open seven days a week, from 8 a.m. to midnight (Eastern Time). You can also find free information about federal, state, institutional, and private student aid in your high school counselors office or local librarys reference section (usually listed under student aid or financial aid.)

Eight things super powerful women NEVER do

Eight things super powerful women NEVER do Everyone could benefit from a little more power and confidence in the workplace, but studies have shown that women in particular tend to be more hesitant about wielding the kinds of skills and behavior typically associated with leaders. If you’re looking for a way to boost your own presence at work and feel more in control of your career, here are some of the things that badass, powerful women never do. 1. They don’t downplay their achievementsMany women feel like talking openly about their achievements is arrogant or braggy. On the contrary, owning your success (and the steps you took to get there) is one of the most effective ways to advance your career. Being open about your success gives you concrete accomplishments you can point to in job interviews or raise negotiations.2. They don’t avoid confrontationOpenly disagreeing with someone (like a colleague or superior) may feel aggressive and out of line, but debate can be healthy- and someone else isn’t necessarily right simply because they’re saying it in public. If you disagree, or have a differing perspective, don’t be shy about saying so (in a professionally appropriate way, of course).3. They don’t trash others to get aheadWhat was true in high school is still true in the workplace: smack talkers always get caught up in the drama in the end. Spreading rumors or denigrating others just so you might look better is not a good look for anyone. And if others know or think you can’t be trusted, you can expect the same treatment from others. Power comes from succeeding- not from stepping on other people.4. They don’t let criticism derail themAt some point, everyone comes up against some harsh criticism, a bad review, or a professional rejection of some sort. That doesn’t have to define you or your career. Powerful people take the criticism for what it is, learn what they can, make adjustments, and move on.5. They don’t let abusive behavior go uncheckedWhether it’s something as serious as harassment or simply not standing up to inappropriate behavior at work, calling it out doesn’t make you a snitch or a weak-looking victim. If you see or experience behavior that makes you uncomfortable, it’s on you to decide how to best approach it- whether that’s reporting through a Human Resources process or voicing your discomfort with the person directly.6. They don’t internalize mistakes as personal failingsIf something goes wrong at work, it doesn’t necessarily mean that your personality or skills are defective. The power move is to acknowledge what happened (â€Å"This was a choice I made, and this is why it was wrong.†), correct the course, and move on. Work fails are not necessarily personal fails.7. They don’t fear failureFailing at something is demoralizing for everyone, no matter how confident you normally are. But truly powerful people have confidence in their skills and abilities, and understand that failure isn’t a game-ender. Instead, think of it as a game-changer. It’s a chance to regroup, rethink, and be better.8. They don’t let self-doubt run the showEveryone has self-doubt sometimes. Every. Single. Person. The trick is not letting that derail your progress by hesitating and overthinking what your next steps are. Sometimes you have to overrule your doubting brain and go with your instincts. You have skills and experience that are guiding you- don’t let that get pushed out by that little voice saying, â€Å"But what if I’m wrong/not talented enough/not prepared?†Confidence and power are within reach for all of us- all personalities, experience levels, and walks of life. At the root of all of it is knowing who you are, what you bring, and what you want to achieve. You know better than anyone what youâ €™re capable of achieving. Don’t be afraid to be bold!