financial aid http://www.wisebread.com/taxonomy/term/9192/all en-US College Guide http://www.wisebread.com/college <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/college" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/college-iStock_000027621000_Small.jpg" alt="college campus" title="college campus" class="imagecache imagecache-250w" width="250" height="184" /></a> </div> </div> </div> <p>Paying for a college education is an expensive but important part of personal finance planning. This guide offers tips for saving for and getting financial aid for college, plus additional advice for students to save while in school and tips for recent graduates. Also check out our <a href="http://www.wisebread.com/college/college-resources">40+ Resources for Parents and Students</a> for even more information. Use the links below to jump to any section.</p> <ul> <li><a href="#saving">Saving for College</a></li> <li><a href="#paying">Paying for College</a></li> <li><a href="#students">Student Savings</a></li> <li><a href="#graduates">Tips for Recent Graduates</a></li> </ul> <p><a name="saving"></a></p> <h2>Saving for College</h2> <p><a href="http://www.wisebread.com/college/cost-of-college"><strong>Calculating the Cost of College</strong></a><br /> One of the hardest parts of saving for your child's college expenses is calculating just what those expenses will total. Here are some ideas to get a better financial picture of the actual cost of college.</p> <p><a href="http://www.wisebread.com/college/saving-for-college"><strong>How to Save Money for College</strong></a><br /> There are several different options for building a college fund that will cover part or all of a student's college expenses.</p> <p><a href="http://www.wisebread.com/college/section-529-plans"><strong>Section 529 Plans</strong></a><br /> A Section 529 plan offers an opportunity to invest money for your child's college tuition tax free. A Section 529 plan also offers the alternative of prepaying your child's tuition at today's prices, rather than the higher costs you can expect when your child is ready to enroll.</p> <p><a href="http://www.wisebread.com/college/coverdell-education-savings-account"><strong>Coverdell Education Savings Accounts</strong></a><br /> The Coverdell Education Savings Account (also known as the Coverdell ESA) is a college savings option that allows you to save money towards your child's college expenses with tax advantages.</p> <p><a href="http://www.wisebread.com/college/utma-ugma-custodial-accounts"><strong>UTMA/UGMA Custodial Accounts</strong></a><br /> Over the years, Uniform Transfers to Minors and Uniform Gifts to Minors custodial accounts (also known as UGMA and UTMA accounts) have become less popular than college savings options.</p> <p><a href="http://www.wisebread.com/college/college-savings-bonds"><strong>Series I and Series EE U.S. Savings Bonds</strong></a><br /> Rather than setting up an account for your child under one of the many college savings plans (like a Section 529 Plans, Coverdell ESAs, or UTMA/UGMA Accounts), you can simply buy Series I and Series EE savings bonds.</p> <p><a name="paying"></a></p> <h2>Paying for College</h2> <p><a href="http://www.wisebread.com/college/college-resources"><strong>40+ College Resources for Parents and Students</strong></a><br /> 40+ resources that help you pay for college and save money while in school.</p> <p><a href="http://www.wisebread.com/college/financial-aid"><strong>College Financial Aid Options</strong></a><br /> There is so much aid out there including grants, federal student loans, private loans, federal tax credits, and even federal work study programs for students seeking federal financial aid for college.</p> <p><a href="http://www.wisebread.com/college/federal-student-loans"><strong>Federal Student Loan Options</strong></a><br /> The U.S. government has created a number of different federal student loan programs in order to address the needs of different groups of students.</p> <p><a href="http://www.wisebread.com/6-ways-to-pay-less-money-for-a-college-degree"><strong>6 Ways to Pay Less Money For a College Degree</strong></a><br /> A four-year college degree can be one of the most expensive purchases in a person's lifetime. Here are six ways you can expect to pay less money for a traditional four-year college degree.</p> <p><a href="http://www.wisebread.com/how-to-win-small-scholarships-for-a-big-payoff"><strong>How to Get a Big Payoff From College Scholarships</strong></a><br /> Depending on your financial circumstances, scholarships can help you save on tuition now, and reduce the interest and principal on student loans later. Here are some tips on managing the business of applying for scholarships</p> <p><a href="http://www.wisebread.com/stopping-the-student-loan-debt-stress"><strong>Stopping the Student-Loan Debt Stress</strong></a><br /> Is your student-loan debt causing stress, influencing you to make financial decisions that are not necessarily in your best long-term interests, and delaying your entry into what your parents may perceive as adulthood? If so, you aren't alone.</p> <p><a href="http://www.wisebread.com/to-fafsa-or-not-to-fafsa-a-former-students-view-of-student-loans"><strong>A Former Student's View of Student Loans</strong></a><br /> To FAFSA or not to FAFSA? Wise Bread blogger Sarah Winfrey discusses, in retrospect, her experience with student loans.</p> <p><a href="http://www.wisebread.com/are-private-schools-worth-the-money-they-demand"><strong>Are Private Schools Worth the Money They Demand?</strong></a><br /> Here are some points that argue yes, private schools are worth the money.</p> <p><a name="students"></a></p> <h2>Student Savings</h2> <p><a href="http://www.wisebread.com/timeless-tips-for-college-students"><strong>Timeless Tips for College Students</strong></a><br /> Want to get good grades in college or help your favorite student thrive? Here are some timeless tips for college students.</p> <p><a href="http://www.wisebread.com/school-bookstores-cant-afford-cheap-textbooks"><strong>School Bookstores Can't Afford Cheap Textbooks</strong></a><br /> Ever wondered why textbooks at campus bookstores are so expensive? Find out here. Plus: other textbook-purchasing options.</p> <p><a href="http://www.wisebread.com/how-to-find-the-cheapest-college-textbooks"><strong>How to Find the Cheapest College Textbooks</strong></a><br /> The campus book store won't give you the bargains you want &mdash; neither will the usual book stores. If you want your textbooks at the lowest possible price, online is the way to go.</p> <p><a href="http://www.wisebread.com/united-world-college-study-abroad-for-way-less-than-you-think"><strong>Study Abroad for Way Less Than You Think At United World College</strong></a><br /> Does your high-school aged child want to study abroad? If so, United World College could be a good fit. And for a school abroad, you may be surprised at the sticker price &mdash; or lack thereof.</p> <p><a href="http://www.wisebread.com/6-savvy-strategies-to-ward-away-college-hunger-and-avoid-overspending"><strong>6 Savvy Strategies to Ward Away College Hunger and Avoid Overspending</strong></a><br /> With these strategies in mind, the hungry college student will never go hungry again!</p> <p><a href="http://www.wisebread.com/college-student-eating-survival-guide-until-spring-break"><strong>College Student Eating Survival Guide (Until Spring Break)</strong></a><br /> Eating seems to be a major expense for college students not on some sort of meal plan. And even students that are on meal plans often find they underestimated. Lucky for you, there are other ways to eat.</p> <p><a href="http://www.wisebread.com/how-to-succeed-as-an-online-student"><strong>How to Succeed as an Online Student</strong></a><br /> If you're considering online studies, don't underestimate the workload, discipline, and communication skills needed to succeed. Here are tips on excelling as an online student.</p> <p><a href="http://www.wisebread.com/sit-in-on-a-class-at-mit-for-free"><strong>Sit in on a Class at MIT for Free!</strong></a><br /> Many colleges offer free access to their online instruction. Assuming that you just want the knowledge and could care less about the official college credit, you might enjoy this resource to get some of the best online instruction for absolutely no money.</p> <p><a href="http://www.wisebread.com/a-frugal-resource-the-community-college"><strong>A Frugal Resource: The Community College</strong></a><br /> The community college offers a depth of resources available not only to enrolled students but also to community members. Here are ideas on getting value from your tuition and tax money.</p> <p><a href="http://www.wisebread.com/dont-go-to-college-to-learn"><strong>Don't Go to College to Learn</strong></a><br /> There are good reasons to go to college. And, if you do go to college, you will no doubt learn a lot. But you can learn anywhere &mdash; and probably learn more, better, and faster if you do so on your own. If you choose to go to college, make sure you know what you're paying for.</p> <p><a href="http://www.wisebread.com/back-to-school-the-case-for-majoring-in-english"><strong>The Case for Majoring in English</strong></a><br /> It's the one with the most job options, the cheapest on books, and the most frugal on investment. Here are more reasons to consider the English major.</p> <p><a name="graduates"></a></p> <h2>Tips for Recent Graduates</h2> <p><a href="http://www.wisebread.com/new-income-based-federal-student-loans-repayment-plan-can-you-benefit"><strong>Income Based Federal Student Loans Repayment Plan &mdash; Can You Benefit?</strong></a><br /> This month a new repayment plan for federal student loans is going into effect that allows borrowers to base their monthly payments on their income after graduation. Here are some details on how the new Income Based Repayment Plan (IBR) affects loan payments for borrowers, and some pros and cons of participating in the plan.</p> <p><a href="http://www.wisebread.com/7-great-jobs-that-offer-college-loan-forgiveness"><strong>7 Great Jobs that Offer College Loan Forgiveness</strong></a><br /> These seven careers are not only growing in opportunity, but they can sometimes offer partial to complete loan forgiveness!</p> <p><a href="http://www.wisebread.com/welcome-to-the-real-world-my-best-advice-for-new-graduates"><strong>Advice for New Graduates</strong></a><br /> Here is some advice for new graduates who are transitioning from the safe structured environment of school to a seemingly infinitely larger world.</p> <p><a href="http://www.wisebread.com/resumes-for-recent-college-graduates"><strong>Resumes for Recent Grads</strong></a><br /> Are you wondering what to include in your resume and what to leave out? Here are ways to translate class projects, volunteer activities, and campus involvement into real-life skills valuable in the workplace.</p> <p><a href="http://www.wisebread.com/translating-volunteer-experiences-and-skills-to-workplace-credentials"><strong>Translating Volunteer Experiences to Workplace Credentials</strong></a><br /> Need ideas for parlaying volunteer hours into skills and experiences valued by employers? Here are a few ways to present your volunteer experience on your résumé, as an integral part or valuable addition to your professional credentials.</p> <p><a href="http://www.wisebread.com/it-pays-to-be-true-to-your-school-5-ways-your-alma-mater-can-save-you-money"><strong>5 Ways Your Alma Mater Can Save You Money</strong></a><br /> Alumni associations are doing everything they can to make things better for graduates of their college during this difficult time. Amazingly enough, some of the savings are pretty substantial.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/college">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-better-way-to-rank-americas-colleges">A Better Way to Rank America&#039;s Colleges</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-college-can-you-and-your-kid-afford">How Much College Can You (and Your Kid) Afford?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-places-to-buy-or-rent-textbooks">20 Places to Buy or Rent Textbooks</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-get-student-loan-debt-forgiveness">8 Ways to Get Student Loan Debt Forgiveness</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training college financial aid Thu, 21 May 2015 23:32:26 +0000 Amy Lu 1432745 at http://www.wisebread.com 7 Great Sources of Financial Aid for Switching Careers http://www.wisebread.com/7-great-sources-of-financial-aid-for-switching-careers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-great-sources-of-financial-aid-for-switching-careers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/coworkers_at_computer_000014305206.jpg" alt="Students participating in fellowships and grants for adult career training" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With ever-growing competition in the job market, it's imperative to improve and develop our professional skill sets. Although higher education and career training can be an expensive investment, there are many sources of financial aid in the form of adult <a href="http://www.wisebread.com/how-to-score-extra-scholarship-money-for-college">career scholarships</a>, fellowships, and grants. Consider these seven.</p> <h2>1. Government Opportunities</h2> <p>Federal, state, and local governments often have money set aside to award grants and scholarships for adult learning. These opportunities are not very well advertised, but they are easily found if you know where to look. The best source of information on these is your State Education Bureau and the <a href="https://studentaid.ed.gov/">Federal Student Financial Aid Center</a>.</p> <h2>2. Scholarships for Women</h2> <p><a href="http://www.scholarshipsforwomen.net/">Scholarships for Women</a> is an excellent site that lists little-known financial aid opportunities for women. Many of them are expressly dedicated to specific demographics, including race, religion, family structure, field of study, sexual orientation, and education level.</p> <h2>3. Scholarships for Working Parents and Those Who Want to Work Abroad</h2> <p>If you are returning to college to finish a degree or start a new one as an adult student, <a href="https://www.scholarships.com/financial-aid/college-scholarships/scholarships-by-type/scholarships-for-adult-students/">Scholarships.com</a> has a number of links for adult learners. Some are specialized for working parents who are returning to the workforce after some time away. If you're adventurous and looking to have a second act abroad, the <a href="http://www.peacecorps.gov/50plus/">Peace Corps</a> has a special initiative to entice experienced professionals 50 years of age and older to join its ranks.</p> <h2>4. Vocational Training</h2> <p>There have been a number of recent news stories about the lack of well-trained tradespeople, since these jobs remain very much in demand. If trade school interests you, there's money available to help you make that career transition. Check out the link for trade school scholarships at <a href="http://www.collegescholarships.org/scholarships/vocational-school.htm">CollegeScholarships.org</a>.</p> <h2>5. Financial Aid for Senior Citizens<strong> </strong></h2> <p>You're never too old to learn, and many senior citizens are returning to school as a professional second act, or to pursue a long-held educational dream. Many schools (especially state schools) offer scholarships and grants specifically for senior citizens. Contact a college near you to learn about specific financial programs for seniors.</p> <h2>6. Career-Specific Opportunities</h2> <p>If you know exactly what field you want to study and need the funding to make it possible, <a href="https://www.scholarshipexperts.com/scholarships/by-major">ScholarshipExperts</a> gives you a way to search by topic of study. And the topics vary widely &mdash; from the liberal arts to science to business to trade school.</p> <h2>7. Culinary School</h2> <p>In recent years, our national palate has gotten more sophisticated thanks to the craft food and beverage movement, as well as the popularity of media properties like the Food Network. More people than ever are pursuing further culinary training, and happily, there are a number of educational funding opportunities available. The <a href="http://www.jamesbeard.org/education/scholarships-and-grants">James Beard Foundation</a> and cooking schools such as <a href="http://www.chefs.edu/tuition-and-financial-aid/scholarship-opportunities">Le Cordon Bleu</a> offer financial aid in the form of scholarships and grants.</p> <p><em>Are you considering returning to school or switching careers? How will you pay for it?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/7-great-sources-of-financial-aid-for-switching-careers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/college">College Guide</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-free-ways-to-learn-something-new">15 Free Ways to Learn Something New</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-college-freshman-budget">The College Freshman Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/learning-without-the-high-cost-of-higher-education">Learning Without the High Cost of Higher Education</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-better-way-to-rank-americas-colleges">A Better Way to Rank America&#039;s Colleges</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training fellowships financial aid grants higher education scholarships Fri, 08 May 2015 13:00:08 +0000 Christa Avampato 1410186 at http://www.wisebread.com How Much College Can You (and Your Kid) Afford? http://www.wisebread.com/how-much-college-can-you-and-your-kid-afford <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-much-college-can-you-and-your-kid-afford" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/college-5272776-small.jpg" alt="college student" title="college student" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>When I first noticed headlines spreading the distressing news that <a href="http://www.usatoday.com/story/money/personalfinance/2013/08/14/finances-affect-college-major/2649665/">money might influence college choices in this post-recession era</a>, I was surprised to learn of the possibility that college-bound students and their parents might <em>not </em>consider the cost. (See also: <a href="http://www.wisebread.com/8-financial-to-dos-for-college-freshmen">Financial To-Do's for College Freshmen</a>)</p> <p>Comparing options for <a href="http://cgi.money.cnn.com/tools/collegecost/collegecost.html">such an enormous purchase</a> seems to be a sensible approach. College tuition, fees, books, and other expenses can consume tens of thousands of dollars if not well over $100,000. While <a href="http://nces.ed.gov/fastfacts/display.asp?id=77">college graduates as a group enjoy greater incomes than those with less education</a>, they may not reap more from an investment in a pricey college than one with a much lower price tag. How to decide how much to spend?</p> <h2>Start by Assessing Educational and Career Goals</h2> <p>Start the decision-making process by examining the reasons for attending college, which may include the opportunities to:</p> <ul> <li>Prepare for the workforce through specialized studies as well as hone skills in communications, critical thinking, and problem solving<br />&nbsp;</li> <li>Garner a higher starting salary and/or greater considerations for advancement in the workforce<br />&nbsp;</li> <li>Prepare for graduate-level studies<br />&nbsp;</li> <li>Get the college experience, which could range from living with peers in a residence hall on campus, forming bonds with people of different backgrounds, and studying abroad<br />&nbsp;</li> <li>Develop a professional and social network that extends beyond your local area</li> </ul> <h2>Financial Aid, Loans, and Work-Study Aren't Free</h2> <p>Getting a financial aid package can make college seem affordable, at least in the short term. But if you have to incur loads of debt, then a choice made in your teens could have long-term, lifelong consequences. In fact, <a href="http://www.forbes.com/sites/halahtouryalai/2013/05/22/student-loan-problems-one-third-of-millennials-regret-going-to-college/">many recent grads are delaying milestone moves</a> such as getting married, buying a house, and having children because of the burden of student loans. Higher income after graduation may not offset the costs associated with <a href="http://www.huffingtonpost.com/2013/05/21/class-of-2013-student-debt_n_3313617.html">paying off balances on student loans</a>. (See also: <a href="http://www.wisebread.com/15-ways-to-pay-back-student-loans-faster">Ways to Pay Back Student Loans Faster</a>)</p> <p>Opting for work-study programs or simply getting a job may also help pay the bills, but it can detract from the college experience. According to a <a href="http://www.businesswire.com/news/home/20130807005644/en">survey by Citi and Seventeen magazine</a>, nearly 4 out of 5 students are working during college and the average student is working 19 hours per week during the school year. For many, going to a more expensive college may not make as much sense if you don't have time to study, collaborate with peers on projects, and develop your network.</p> <p>And, if there is a slight change in your financial situation, then you may not be able to afford to continue. An abrupt move can be difficult if you must restart studies at another university, losing the momentum in earning your degree especially if certain course credits don't transfer.</p> <h2>So, a Cheaper College Is Better?</h2> <p>Still, choosing a less expensive college over a more expensive one may not be as simple as it looks. Sure, if you have to pay full sticker price, then the comparison is relatively easy. However, many colleges and universities use published costs as a starting point for offering financial aid, which may include grants, scholarships, work-study programs, and loans.</p> <h2>Matching Budget and College</h2> <p>Based on my experiences with a college-age son and a conversation with the folks at Citi's Financial Education-Personal Wealth Management group, here is what many students do to get the best deal:</p> <ul> <li>Determine which colleges and universities are most likely to fit your professional and personal aspirations.<br />&nbsp;</li> <li>Before applying to schools, show interest in desired colleges and universities by communicating with admissions officers, taking campus tours, etc. as schools tend to be more interested in admitting students who are likely to accept offers (and you must be admitted before you can get school-based scholarships).<br />&nbsp;</li> <li>Complete applications to multiple colleges and universities.<br />&nbsp;</li> <li>Apply by deadlines for regular admission or early action, but don't choose the early-decision option because if you are bound to attend a particular college, you can't compare and negotiate aid packages. Note that you might consider applying for early action to be eligible for all school-specific scholarships.<br />&nbsp;</li> <li>Apply for scholarships and financial aid at all colleges and universities after being admitted.<br />&nbsp;</li> <li>Compare financial aid packages, paying attention to the mix of loans, scholarships, and other assistance.<br />&nbsp;</li> <li>Consider <a href="http://abcnews.go.com/blogs/headlines/2013/04/tips-for-negotiating-financial-aid-for-college/">making an appeal</a> if you think the financial aid office could make a better offer based on your unique circumstances.</li> </ul> <p>At this point, use the package deal (not sticker prices or published costs) to make an informed decision about your actual cost and the debt you'll incur (if any) to get a degree at each institution. (See also: <a href="http://www.wisebread.com/6-ways-to-save-on-college-tuition">6 Ways to Save on Tuition</a>)</p> <h2>Manage Non-Tuition Expenses, Too</h2> <p>Don't forget to calculate extra expenses that often surprise students and their parents.</p> <p>According to <a href="http://www.citigroup.com/citi/about/leaders/jonathan-clements-bio.html">Jonathan Clements, Director of Financial Education at Citi's Personal Wealth Management</a>, parents and their college-bound students can easily predict certain expenses (such as tuition, fees, housing, and dining plans) but become blindsided by other costs, such as travel to and from the university, sorority and fraternity fees, books, and entertainment. (See also: <a href="http://www.wisebread.com/how-to-score-free-or-almost-free-college-textbooks">How to Score Free Textbooks</a>)</p> <p>To control these costs, plan travel ahead of time to get the best deals, take advantage of cheap entertainment, and find frugal friends who can give you tips on controlling expenses. In addition, you might take odd jobs on campus that don't require an ongoing commitment. For example, you could enter essay contests with cash prizes, work at ballgames, or become a test subject in psychology experiments.</p> <p>When my youngest son started to contemplate colleges, he was perplexed and frustrated that I was encouraging him to apply to in-state institutions, although I have since agreed to work with him to pursue other affordable possibilities. He began to understand my concerns when he started comparing costs among colleges and universities on <a href="https://bigfuture.collegeboard.org/college-search">CollegeBoard.org</a>.</p> <p>My high school student determined that a high-priced school was unlikely to provide an advantage worth $100,000 more than a moderately-priced one. Certainly, there may be situations when the extra money would be worth the cost. For this decision, though, my husband, my son, and I would rather pay less now. Differences in the quality of education, networking, etc. could be overcome through internships and other types of experiences.</p> <p><em>Did money influence your college choice? How did you make your decision?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/julie-rains">Julie Rains</a> of <a href="http://www.wisebread.com/how-much-college-can-you-and-your-kid-afford">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-better-way-to-rank-americas-colleges">A Better Way to Rank America&#039;s Colleges</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/college">College Guide</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-score-free-or-almost-free-college-textbooks">How to Score Free (or Almost Free) College Textbooks</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-places-to-buy-or-rent-textbooks">20 Places to Buy or Rent Textbooks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training college financial aid tuition Fri, 04 Oct 2013 09:48:03 +0000 Julie Rains 994554 at http://www.wisebread.com A Better Way to Rank America's Colleges http://www.wisebread.com/a-better-way-to-rank-americas-colleges <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/a-better-way-to-rank-americas-colleges" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/college-4277002-small.jpg" alt="college student" title="college student" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <h2>Update: A Better Way to Rank America's Colleges</h2> <p>Following up on its ranking of &quot;America's Best Bang for the Buck Colleges&quot; (see below), Washington Monthly has released its much broader &quot;National University Rankings.&quot; In addition to the cost and affordability factors of the previous list, this list adds such criteria as &quot;Research&quot; and &quot;Service,&quot; with the goal of identifying institutions that best serve the public interest.</p> <blockquote><p>We rate schools based on their contribution to the public good in three broad categories: Social Mobility (recruiting and graduating low-income students), Research (producing cutting-edge scholarship and PhDs), and Service (encouraging students to give something back to their country).</p> </blockquote> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u943/National%20University%20Rankings%202013%20%20%20Washington%20Monthly.png" width="605" height="278" alt="" /></p> <p>University of California, San Diego tops the list, for the fourth year running.</p> <p>Visit Washington Monthly for <a href="http://www.washingtonmonthly.com/college_guide/rankings_2013/national_university_rank.php">the complete, sortable list</a> and <a href="http://www.washingtonmonthly.com/magazine/september_october_2013/features/introduction_a_different_kind046446.php">more details on ranking criteria</a>.</p> <p><em>How much good does your school do?</em></p> <h2>Previously:&nbsp;A New Way to Rank Higher Ed: America's Best Value Colleges</h2> <p>While many students will be launching their college careers in the coming days (and struggling to pay for those educations), their younger siblings are just now making decisions about the colleges and universities they'll attend <em>next </em>fall. (See also:&nbsp;<a href="http://www.wisebread.com/6-ways-to-save-on-college-tuition">6 Ways to Save on College Tuition</a>)</p> <p>There are a number of rankings and lists to help sort through all the choices, based on a variety of criteria (<a href="http://colleges.usnews.rankingsandreviews.com/best-colleges">US News' ranking</a> comes to mind). Now political journal Washington Monthly steps in with a ranking that's relevant to most of us:&nbsp;<a href="http://www.washingtonmonthly.com/magazine/september_october_2013/features/americas_bestbangforthebuck_co_1046447.php#">America&rsquo;s Best-Bang-for-the-Buck Colleges</a>.</p> <p>To make the list, schools had to meet four criteria:</p> <ol> <li>To ensure that the university does not serve only the wealthy, 20% of the college's students must be recipients of Pell Grants, which go to students from families earning less than $50k per year.<br /> &nbsp;</li> <li>Colleges must have a graduation rate of at least 50%, which is an indicator of institutional effectiveness.<br /> &nbsp;</li> <li>Graduation rates must exceed the <em>statistically predicted graduatuion rate</em> based on the number of admitted lower-income students.&nbsp;<br /> &nbsp;</li> <li>Student loan default rates must be below 10%, a measure of the ability of students to find employment post-college.&nbsp;</li> </ol> <p>Once colleges cleared those hurdles, Washington Monthly &quot;applied the 'buck' part of the measure&quot; by sorting the schools based on the average cost of tuition a family making less than $75k would pay, net of need-based support. In other words, what it costs out of pocket to attend.</p> <h2>The Top Ten Best Bang for the Buck Colleges</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u943/Best%20Bang%20for%20the%20Buck%20Rankings%202013.png" width="566" height="408" alt="" /></p> <p>The <a href="http://www.washingtonmonthly.com/college_guide/rankings_2013/bangforthebuck_all_rank.php">complete list</a>, which can be sorted several ways, is available at the Washington Monthly.</p> <p>(How about a shout out for your correspondent's alma mater, climbing all the way to Number 6!)</p> <p><em>Is Bang for the Buck a good measure of a school's value? Is it something you might use in deciding on a college for you or your children?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/lars-peterson">Lars Peterson</a> of <a href="http://www.wisebread.com/a-better-way-to-rank-americas-colleges">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-college-can-you-and-your-kid-afford">How Much College Can You (and Your Kid) Afford?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/college">College Guide</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-get-student-loan-debt-forgiveness">8 Ways to Get Student Loan Debt Forgiveness</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-college-freshman-budget">The College Freshman Budget</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/student-loans-how-to-make-post-college-decisions">Student Loans: How to Make Post-College Decisions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Education & Training college financial aid student loans tuition university Wed, 28 Aug 2013 00:21:31 +0000 Lars Peterson 981493 at http://www.wisebread.com College Without Loans: Where to Find Scholarships http://www.wisebread.com/college-without-loans-where-to-find-scholarships <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/college-without-loans-where-to-find-scholarships" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/student-1866361-small.jpg" alt="students" title="students" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>We hear a lot of &ldquo;gloom and doom&rdquo; reporting about the student loan crisis, but there&rsquo;s a positive side to paying for college&nbsp;&mdash; scholarships. Each year, there are millions of dollars in scholarships available to students, and unlike loans, you don&rsquo;t need to pay them back. Some scholarships require completed applications, essays, letters of recommendation, high GPAs, athletic ability, or financial need. Other scholarships simply ask you to fill out a form.</p> <p>Whether you just want some spare cash for books and living expenses or you need to pay for your entire tuition, the following resources can help you on your scholarship quest. (See also: <a href="http://www.wisebread.com/college/college-resources">40+ College Resources for Parents and Students</a>)</p> <h2>Your University&rsquo;s Financial Aid Office</h2> <p>The first place you should check for available scholarships is the financial aid office at your university. Some scholarships are open to all students (those with academic achievements and/or significant financial need are generally given preference), while other scholarships may be limited to certain majors (among other perquisites). If you submit your Free Application for Federal Student Aid (FAFSA) form, you may be automatically considered for various scholarships or encouraged to apply for ones based on your financial need.</p> <h2>Local Clubs and Organizations</h2> <p>Other sources of potential scholarships are the clubs and organizations in your area. They might not show up online, but don&rsquo;t limit your scholarship search to the internet. Instead, scout out potential scholarships from:</p> <ul> <li>Local sports or activity-centric clubs you&rsquo;ve participated in</li> <li>Political groups (in order to qualify for a scholarship, you&rsquo;ll likely have to be registered with the given political party)</li> <li>A religious organization you may be affiliated with</li> <li>Your (or your parent's) employer</li> <li>Local branches of recognized organizations, such as the Rotary Club</li> </ul> <h2>Online Scholarship Websites</h2> <p>There are hundreds of different websites with scholarship databases, but before you feel overwhelmed, start off your search with these popular sites.&nbsp;</p> <p><b>Scholarships.com</b></p> <p>One of the easiest to find, easiest to use websites for scholarship searches is <a href="http://www.scholarships.com/">Scholarships.com</a>. After taking a couple minutes to fill in the required information (email address, school year, birth date, etc.) plus some general information on your background (athletics, ethnicity, academics, disabilities, etc.), Scholarships.com&rsquo;s search engine presents you with a list of scholarships you could qualify for based on the information you provided. If you don&rsquo;t want to register right away, go to the bottom of the homepage to find scholarships based on majors, schools, gender, minority status, &ldquo;unusual&rdquo; scholarships, and more. (Note: You have to be a member of Scholarships.com to view the full details for each scholarship.<i>)</i></p> <p>In addition to the scholarship search, Scholarships.com offers several informative articles about financial aid and other important aspects of college. For students who haven&rsquo;t chosen a university yet, the <a href="http://www.scholarships.com/Research-Colleges.aspx">College Matchmaker</a> search tool is also quite useful.&nbsp;</p> <p><b>FastWeb</b></p> <p><a href="http://www.fastweb.com/college-scholarships">FastWeb</a> not only offers a comprehensive scholarship search tool, but it also has plenty of information on planning for the financial side of college, getting internships, and applying for jobs. Members of FastWeb (membership is free, by the way) receive personalized scholarship matches based on their personal background, academic history, and extracurricular interests. The site navigational toolbar makes searching for scholarships a breeze, and there are thousands of potential scholarships in its database (which is updated daily).</p> <p>Note that when you sign up for FastWeb, you may want to opt out of email updates, since they tend to email members frequently. &nbsp;</p> <p><b>Big Future</b></p> <p>The College Board is arguably one of the best resources for incoming college students and their scholarship search tool, <a href="https://bigfuture.collegeboard.org/scholarship-search">Big Future</a>, is useful for anyone looking for ways to pay for college. According to the website, Big Future has up to six billion in potential scholarships and other financial aid opportunities listed in its database.</p> <p>Unlike other scholarship search sites, Big Future doesn&rsquo;t require users to register in order to see the details for each scholarship. Simply fill out the information and see which scholarships you might want to apply for from the results list. In terms of ease of navigation and access, Big Future&rsquo;s scholarship finder is one of the best available to students.</p> <p><b>Zinch</b></p> <p>A subsidiary of the online bookseller Chegg, <a href="http://www.zinch.com/scholarships">Zinch</a> has a simple search feature that allows you to find scholarship matches based on your student status, zip code, college location, GPA, and interests. When you input new information, the scholarship selection is automatically filtered and the amount of funds you could qualify for is immediately displayed. Like other scholarship sites, Zinch requires you to register to get the full details of how to apply for scholarships. However, Zinch has a unique bonus for its members&nbsp;&mdash; the Chegg for Good program allows Zinch members to double the money they win from their first scholarship found through Zinch (up to $1,000).</p> <p><b>Department of Labor Scholarship Search</b></p> <p>America&rsquo;s Career InfoNet has a limited offering compared to its competitors, with approximately 7,000 financial aid opportunities within its <a href="http://www.careerinfonet.org/scholarshipsearch/ScholarshipCategory.asp?searchtype=category&amp;nodeid=22">scholarship database</a>. It is sponsored by the U.S. Department of Labor, Employment, and Training Administration and allows you to search for financial aid based on award type (scholarship, fellowship, grant, etc.), residency, study level, and affiliation restrictions (ethnicity, disability, etc.). Your search results may include: the funds available for the award, qualifications, number of awards available, and the deadline to apply.</p> <p><i>Where else have you found scholarships? Is it worth the time and effort (filling out applications, writing essays) to scout out scholarships? Let us know what you think in the comment section below.</i></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kelly-kehoe">Kelly Kehoe</a> of <a href="http://www.wisebread.com/college-without-loans-where-to-find-scholarships">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-better-way-to-rank-americas-colleges">A Better Way to Rank America&#039;s Colleges</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/college">College Guide</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-get-student-loan-debt-forgiveness">8 Ways to Get Student Loan Debt Forgiveness</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-great-sources-of-financial-aid-for-switching-careers">7 Great Sources of Financial Aid for Switching Careers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-great-jobs-that-offer-college-loan-forgiveness">7 Great Jobs that Offer College Loan Forgiveness</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training college scholarships financial aid student loans Mon, 24 Jun 2013 15:39:38 +0000 Kelly Kehoe 980118 at http://www.wisebread.com 6 Ways to Save Money on Preschool Enrollment http://www.wisebread.com/6-ways-to-save-money-on-preschool-enrollment <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-save-money-on-preschool-enrollment" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/4119293402_73610cce35_z.jpg" alt="preschool kid" title="preschool kid" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>If you have a preschool-aged child, you know that paying for preschool can be expensive. While there are a wide variety of prices and preschool philosophies out there, looking at the bill almost always feels like a shock to the system. There are, however, a few ways to save some money and still get your child the jump start on their education that you&rsquo;ve been hoping for. (See also: <a href="http://www.wisebread.com/7-important-lessons-frugal-parents-teach-their-children">7 Important Lessons Frugal Parents Teach Their Children</a>)</p> <h2>1. Shop Around</h2> <p>Look at more than one preschool before you sign up.</p> <p>In our area, some preschools are five to six times more expensive than others. Are they better? That&rsquo;s up to each parent to decide. The point is, you need to know what is available how schools differ from each other.</p> <p>Remember that sometimes it&rsquo;s worthwhile to spend more to send your child to a school that fits their personality. But if the schools are mostly the same, you don&rsquo;t need to break the bank on the most expensive one. You won&rsquo;t know which one that is, though, unless you look at several of them.</p> <h2>2. Talk to Parents</h2> <p>Other parents are your best resource for finding a good deal on a preschool. They&rsquo;ve been where you are, and they may be able to tell you where you&rsquo;ll get the best deal, where you&rsquo;ll spend more but it will be worth every penny, or where your money will be wasted.</p> <p>If you belong to any sort of parents&rsquo; group, ask everyone you can. Sure, some people will insist you go one place and others will send you another direction, but at least you&rsquo;ll have more information. If you&rsquo;re looking for something specific in a preschool, ask questions that will help you narrow your choices to those that will serve your child&rsquo;s needs well.</p> <h2>3. Volunteer</h2> <p>Many preschools will allow you to volunteer and reduce your bill. While you&rsquo;ll still have to pay (and sometimes the reduction isn&rsquo;t very much), you&rsquo;ll offset at least a bit of your child&rsquo;s education. As an added bonus, you&rsquo;ll get to be in and around the environment of the preschool, so you&rsquo;ll have a better feel for what goes on there and what your child is learning.</p> <h2>4. Look for Aid</h2> <p>Some preschools offer financial aid. While these can be few and far between, it&rsquo;s worth at least asking about, especially if you want to send your child somewhere you can&rsquo;t afford.</p> <p>You can also look into state and federal aid, although with the economy in its current state, these offers have gotten pretty sparse over the last few years. If you&rsquo;re truly working on a low income, there should be some sort of free or subsidized preschool available for your child. If you make a bit more money, you may be out of luck.</p> <h2>5. Do It Yourself (or Join a Co-op)</h2> <p>If paying for preschool really grates on you or just isn&rsquo;t in the budget, you can always choose to do it yourself.</p> <p>There are a million different resources available online, from <a href="http://www.tlsbooks.com/preschoolworksheets.htm" target="_blank">free, printable worksheets</a> to <a href="http://www.preschoolpalace.org/" target="_blank">entire curriculums</a>. You&rsquo;ll want to evaluate everything based on what you know about your child&rsquo;s needs, strengths, and weaknesses, but most adults feel competent enough to teach things like shapes, sounds, colors, numbers, etc.</p> <p>Some children don&rsquo;t do well with preschool at home, either because they want to get out or because they don&rsquo;t like to work with their parents that way. In that case, some areas have co-operative preschools. You&rsquo;re still likely to pay a fee, but most of the classes are parent-led, and you&rsquo;ll take your turn every so often. Or, you can get together with some parents of like-aged kids and make your own co-op.</p> <h2>6. Supplement With Freebies</h2> <p>Whether your child is in preschool or <a href="http://parentingsquad.com/at-home-preschool-tips">you&rsquo;re doing it at home</a>, take advantage of free options around your city. Many <a href="http://www.wisebread.com/how-to-visit-museums-for-free">museums offer free days</a> and, while it will be busy, it&rsquo;s a great chance to expose your child to something they wouldn&rsquo;t have seen otherwise.</p> <p>While there are certain skills that kids need to learn before kindergarten, they&rsquo;ll be in a better position to learn if they&rsquo;ve used their brains in a lot of different ways. Giving them the opportunity to see many different things will help them develop the ability to learn. And there&rsquo;s no need to pay for this exposure if you&rsquo;re willing to do your homework and battle a few crowds.</p> <p>There&rsquo;s no need to feel overwhelmed at the cost of preschool. Instead, take your time, look at the options available to you, and then choose what&rsquo;s best for your child and your budget. Give yourself as much time as you need to make the decision, so you can be sure it is one both you and your child will be happy with.&nbsp;</p> <p><em>Were you able to save money on your child's preschool? Please share your experience in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/6-ways-to-save-money-on-preschool-enrollment">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-investing-lessons-you-must-teach-your-kids">10 Investing Lessons You Must Teach Your Kids</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-should-you-say-no-to-those-who-want-to-borrow-money-from-you">When Should You Say No to Those Who Want to Borrow Money from You?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-ways-to-earn-extra-cash-from-thrift-stores">11 Ways to Earn Extra Cash From Thrift Stores</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-having-kids-makes-you-more-frugal">8 Ways Having Kids Makes You More Frugal</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/single-parent-try-these-10-tricks-for-entertaining-kids-on-a-budget">Single Parent? Try These 10 Tricks for Entertaining Kids on a Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Lifestyle children's education financial aid preschool Thu, 31 Jan 2013 10:48:35 +0000 Sarah Winfrey 967422 at http://www.wisebread.com Best Money Tips: Things You Need to Know About Financial Aid http://www.wisebread.com/best-money-tips-things-you-need-to-know-about-financial-aid <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-things-you-need-to-know-about-financial-aid" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/5628821867_db38690d5f_z-1.jpg" alt="Things You Need to Know About Financial Aid" title="Things You Need to Know About Financial Aid" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on things you need to know about financial aid, must-have millionaire habits, and getting financially fit.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.getrichslowly.org/blog/2012/09/20/15-things-you-need-to-know-about-financial-aid/">15 Things You Need to Know About Financial Aid</a> &mdash; Did you know that you should apply for financial aid even if you don't think you are eligible? [Get Rich Slowly]</p> <p><a href="http://www.savvysugar.com/Good-Habits-Millionaires-5477536">6 Must-Have Millionaire Habits</a> &mdash; Learn a lesson from millionaires and be in control of your money. [SavvySugar]</p> <p><a href="http://blog.creditkarma.com/personal-finance/4-steps-to-getting-financially-fit/">4 Steps to Getting Financially Fit</a> &mdash; When getting financially fit, establish an easy plan that you will stick to. [Credit Karma Blog]</p> <p><a href="http://amateurassetallocator.com/2012/09/17/3-reasons-i-prefer-traditional-index-mutual-funds-to-etfs/">3 Reasons Traditional Index Mutual Funds Are Better Than ETFs</a> &mdash; Traditional index mutual funds are easier to rebalance than ETFs. [Amateur Asset Allocator]</p> <p><a href="http://andthenshesaved.com/surprise-unemployment/#more-1516">Surprise Unemployment? Make The Most of It</a> &mdash; If you suddenly find yourself unemployed, make the most of it by claiming unemployement benefits and using a budgeting tool. [And Then She Saved]</p> <h2>Other Essential Reading</h2> <p><a href="http://blog.themillionairenurse.com/2012/09/20/8-ridiculously-simple-ways-to-save-time/">8 Ridiculously Simple Ways to Save Time</a> &mdash; To save time, identify tasks you can replace with automation, then automate those tasks! [The Millionaire Nurse Blog]</p> <p><a href="http://www.1099mom.com/2012/09/3-big-mistakes-small-business-sites.html">3 Big Mistakes Small Business Sites Commonly Make</a> &mdash; Do you have a website for your small business? Don't make the mistake of not having a real way for customers to contact you. [1099 Mom]</p> <p><a href="http://www.freemoneyfinance.com/2012/09/what-are-you-doing-to-make-millions-more.html">What Are You Doing to Make Millions More?</a> &mdash; If you want to make more money, take the time to grow professionally. [Free Money Finance]</p> <p><a href="http://www.carefulcents.com/timeshare-rentals/">Timeshare Rentals: A Surprising Money-Saving Alternative</a> &mdash; Next time you go on vacation, consider renting a timeshare. It will help you eat healthier! [Careful Cents]</p> <p><a href="http://parentingsquad.com/how-to-host-a-fall-harvest-birthday-party">How to Host a Fall Harvest Birthday Party</a> &mdash; Looking for a good snack to serve at a fall birthday party? Try pumpking peanut butter dip. [Parenting Squad]</p> <h2>News &amp; Events</h2> <p>Be sure to check out our <a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/calendar">News &amp; Events Calendar</a> to see all the awesome upcoming events in the personal finance world!</p> <p>Also, PopSugar is doing a special series with First Lady Michelle Obama! Readers can submit questions to the First Lady about any range of topics &ndash; from fashion and healthy living, to the tough important issues facing voters today. Head on over to the <a href="http://www.popsugar.com/Michelle-Obama-Video-PopSugar-24934435">announcement post</a> to submit your questions!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-things-you-need-to-know-about-financial-aid">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/college">College Guide</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-better-way-to-rank-americas-colleges">A Better Way to Rank America&#039;s Colleges</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-college-can-you-and-your-kid-afford">How Much College Can You (and Your Kid) Afford?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-places-to-buy-or-rent-textbooks">20 Places to Buy or Rent Textbooks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training best money tips college financial aid students Fri, 21 Sep 2012 10:00:43 +0000 Ashley Jacobs 954632 at http://www.wisebread.com The College Freshman Budget http://www.wisebread.com/the-college-freshman-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-college-freshman-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/college_classroom.jpg" alt="Students working in a classroom" title="Students working in a classroom" class="imagecache imagecache-250w" width="250" height="146" /></a> </div> </div> </div> <p>Welcome to the fall semester! Whether you are on financial aid, are paying for college yourself, or have parents paying the brunt of it, your money can easily be gone long before your statistics or world civilization class will be. A little planning and corner cutting can help stretch those dollars. As a former student and current professor, here's my low-down on what you and your family might want to consider.<o:p> (See also: <a href="http://www.wisebread.com/college">Wise Bread's College Guide</a>)</o:p></p> <h3>Textbooks</h3> <p>Every semester the sticker shock of books and materials seems to take both parents and students by surprise. The cost of textbooks is rising &mdash; that's not going to change for the better, but there are ways around this. For those on financial aid, know this &mdash; since the 1994 Congress changed laws governing student financial aid, America&rsquo;s students have not received their financial aid checks in advance of the first day of class. This often means students are well into the first month of school before their checks arrive. The cheaper, used textbooks have since been bought out by those, ironically, not on financial aid! You need to plan for this.</p> <p>Ask your instructors whether it&rsquo;s okay for you to use a slightly older edition of the books you need for class. Most of the time the difference in an edition is as little as its introduction. Sometimes the instructors aren't aware that there is a new edition or older edition, or what the differences are. Using last year's edition can drop the price tag by more than $60.</p> <p>Ask your instructors whether there&rsquo;s a copy of the text on reserve in the library, and then go and make time to read it there. Many professors do have books on reserve.</p> <p>Texts for three of the books I use for a class are entirely online available for free. Make sure you look up your texts just in case this applies. You never know! This is especially true of older textbooks, novels, etc.</p> <p>Weigh all your options in buying the books: <a href="http://www.amazon.com">Amazon</a>, <a href="http://www.bkstr.com/">eFollett</a>, <a href="http://www.ebay.com">eBay</a>, and your student bookstore. Sometimes an item can be high priced from one online company and totally cheap from another. Sometimes a nearby town book store can order books for you as well. If you are taking a literature class, check thrift stores near where students live, as odds are good that someone just moved and didn&rsquo;t have time to take their old textbooks with them. I scored four books that I then gave away to students because other students just dropped them off at the thrift store.</p> <h3>Food</h3> <p>Now is an excellent time to go on a diet &mdash; less food, less money! All teasing aside, see if your campus has a meal card for its cafeterias. Meal plans generally can be bought in incremental amounts depending on the school and how much a student will be eating on campus. If you are on campus for three meals a day, get the bigger plan. This is one way to really strictly budget food.</p> <p>If your college does have a meal card and your aunts and grandparents keep asking what you need, tell them to put money on your card. Nothing makes a student feel like he or she is more broke than not having money to eat. Eating on campus might not provide the best variety of food and can certainly be boring, but it can be economical. You don't want to be thinking about what to cook or where the cheapest meal might be when you've got midterms you should be studying for anyway. I've seen students with money left on their cards at the end of the semester barter with other students without any money left on theirs. Other meal suggestions can be found in my <a href="http://www.wisebread.com/college-student-eating-survival-guide-until-spring-break">college student eating survival guide</a>.</p> <h3>Transportation</h3> <p>First of all, don&rsquo;t go home. I mean it. You are in college. Go home at Thanksgiving or Christmas, but not two weeks into school. You&rsquo;re a big kid now, and you can manage. Those frequent trips home to do free laundry are going to cost you in gas and time. Most colleges have some deal worked out with local bus lines for free or discounted bus passes. Opt for this rather than having your car with you, or just use your own car as a last resort. Cars lead to parking tickets around campus anyhow. If you do have your car, gas cards usually don&rsquo;t expire and are another great gift from the grandparents if you can convince them to send you this rather than a sweater.</p> <h3>College Resource Centers, Computer Labs, and Libraries</h3> <p>The most expensive part of being a student can be the technology, and sadly, most students do not use the resource centers, student services, and computer labs available to them for free on campus. Your tuition and fees go to pay for such services and equipment. Use them. Odds are you have your own laptop, but you can print on campus for free or low cost. Some student centers have counseling and therapy available for students &mdash; again, your tuition and fees paid for this, so why not use the services rather than pay for the same thing off campus?</p> <h3>Regular Bills: Frivolities and Utilities</h3> <p>You don&rsquo;t need the mega data plan on your phone; you&rsquo;re supposed to be reading, remember? Do you need 500 channels of TV? Look at your existing bills like cable and data plans on your phone, and see if you can downgrade them a little. You don&rsquo;t need the distractions, and you could use the $40. Also, never talk to your professors about not being able to afford the book with a smartphone in your hand or $200 sneakers on your feet. It just won't fly.</p> <p>Most utility companies have basic plans for students and low-income households. I had Lifeline on my phone through college &mdash; just the basics. Some electric companies offer a reduced energy bill program. In California, my home state, we have the CARE (California Alternate Rates for Energy) program through Pacific Gas and Electric that can mean $10 to $15 off your utility bills. A local community resource center or student center might have brochures for what applies to your area.</p> <h3>The Student ID Card</h3> <p>Not all schools require students to have them, but all produce some sort of ID card. Make sure to get one. This really is your ticket to all sorts of discounts around town. Look for entrance fee discounts for museums, specials in restaurants, bookstores, etc. If you are in a college town, odds are the local merchants will give you a break provided you can prove you are a student at that local college.</p> <h3>Financial Aid and Student Services</h3> <p>Whether you are on <a href="http://www.wisebread.com/college/financial-aid">financial aid</a> or homegrown parent aid, the trick with budgeting is to plan for the worse case scenario. Checks can be late and rules can change in the middle of the semester. Parents get divorced while young adult children are in college, and that great step parent might leave you high and dry afterwards (happened to me). Make that first check last as long as possible. I used to try and put half of it away in a savings account that I could withdraw from in a few months. It was never long enough to draw interest, but the money didn&rsquo;t tempt me in my checking account. This is the best time in your life to learn how to stretch it.</p> <p>This might be the first time mom and dad aren't there with you to fight your bureaucratic battles. Don't be shy! You need to be your own advocate. Go through your college handbook and familiarize yourself with where to go for health concerns, housing, utilities, financial aid, tutoring, and other students services. One of the biggest learning experiences in college is learning to navigate the system itself.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/maggie-wells">Maggie Wells</a> of <a href="http://www.wisebread.com/the-college-freshman-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-better-way-to-rank-americas-colleges">A Better Way to Rank America&#039;s Colleges</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/college">College Guide</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-credit-cards-for-college-students">The 5 Best Credit Cards for College Students</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-great-sources-of-financial-aid-for-switching-careers">7 Great Sources of Financial Aid for Switching Careers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/college/college-resources">40+ College Resources for Parents and Students</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Education & Training cheap things on campus college students financial aid Tue, 06 Sep 2011 10:00:15 +0000 Maggie Wells 688899 at http://www.wisebread.com College Financial Aid Options http://www.wisebread.com/college/financial-aid <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/college/financial-aid" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000006052290XSmall.jpg" alt="College graduation" title="College graduation" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>College financial aid is money that students can use to pay for their college tuition, books and supplies, and living costs. With millions of parents and college students being financially unable to pay for college &mdash; especially in these difficult economic times &mdash; financial aid can be the only way to a college education.According to <em>The College Board</em>, more than $140 billion was given to students in financial aid between 2007 and 2008.It&rsquo;s important for parents and students alike to be familiar with the kinds of financial aid available.</p> <h2>FAFSA</h2> <p>The FAFSA, or Free Application for Federal Student Aid, can be found in the high school guidance counselor&rsquo;s office or online. This application is the first step toward finding federal financial aid to attend college. The government, as well as the student&rsquo;s prospective college, will review the application and determine the student&rsquo;s eligibility.</p> <h2>Borrowing Money for College</h2> <p>There are a lot of resources available for parents who need to borrow money for college. Certain types of loans created specifically for this type of need can be applied for, and are easier to repay than personal loans.</p> <h3>Perkins Loans</h3> <p>The <a title="Perkins Loan Program" href="http://www.wisebread.com/college/perkins-loans">Perkins Loan</a> is available for low-income families and students with no other option for attending college. A 5% fixed interest rate is applied, and students don&rsquo;t have to start repaying for nine months after completing college. Students who enroll in certain teaching, military, or public service jobs may be able to have their loans canceled completely, thus obtaining their college education for free.</p> <h3>Stafford Loans</h3> <p>The <a title="Stafford Loan Program" href="http://www.wisebread.com/college/stafford-loans">Stafford Loan</a> comes with a fixed interest rate as low as 5.6%. Low-income students can receive subsidized loans that do not accrue interest until six months after graduation, or the student leaves school. Students can also receive unsubsidized Stafford loans, but interest on the loan accrues immediatelyt. As with the Perkins loan, the FAFSA determines eligibility for low-income students.</p> <h3>Parent PLUS Loan</h3> <p>The <a title="Guide to PLUS Student Loan" href="http://www.wisebread.com/college/parent-plus-loans">Parent Loans for Undergraduate Students</a> (PLUS) is available to families who are not considered low-income, but must have good or excellent credit. The loans pack a fixed 8.5% interest and repayment must start within 60 days of receiving the loan. Some parents may be able to defer the loan until after the student completes college.</p> <h2>Scholarships</h2> <p>Many different types of scholarships are available for students who wish to attend college, but it&rsquo;s important to find the ones you're eligible for. Certain organizations have scholarship money available, such as churches, unions, employers, high school clubs, government organizations and even corporations.</p> <p>Consider scholarships that require minimal effort to apply for, and provide larger amounts of money. Some scholarships will decrease the amount of financial aid students are available to receive, so it&rsquo;s important to choose wisely. If certain prestigious scholarships are within reach of a student, it may be more important to apply for these as opposed to any type of scholarship.</p> <h2>Grants</h2> <p>Grants are sometimes available to certain students, such as minorities, Native Americans, women, and exceptionally talented students. Grants may be available through government organizations or private organizations and citizens. <a href="http://grants.gov/">Grants.gov</a> is a great place to find available grants and apply for them.</p> <h2>Tax Credits</h2> <p>There are two important tax credits parents and students should know about if their adjusted gross income is less than $58,000 a year for single individuals and $119,000 a year for married individuals.</p> <h3>The Hope Credit</h3> <p>This credit can allow individuals to deduct $1,800 from taxes owed, and the credit can be used against student loans that are being paid on. Individuals must have at least $2,400 in college tuition expenses in order to use this credit.</p> <h3>The Lifetime Learning Credit</h3> <p>This credit allows parents to deduct $2,000 for each student attending college and $4,000 for students in midwestern disaster areas. This credit cannot be used if the Hope Credit is being used for the student already.</p> <p>Tax credits are different from deductions in that deductions reduce the amount of taxable income one owes the IRS while tax credits reduce the taxes owed &mdash; dollar for dollar.</p> <p>It&rsquo;s important that parents or students fill out the FAFSA and any financial applications as early as possible. While some deadlines may be in the middle of the year, many types of financial aid are highly competitive and if the applications are not filled out quickly enough, the money can be lost to other students. By understanding the different types of financial aid available to college students, parents and students can determine the best types of aid for their situation.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/staff">Staff</a> of <a href="http://www.wisebread.com/college/financial-aid">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/college/parent-plus-loans">Parent PLUS Loans</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/college/saving-for-college">How to Save Money for College</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/college/stafford-loans">Federal Stafford Loans</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/college/federal-student-loans">Federal Student Loans</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/college/perkins-loans">Federal Perkins Loans</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income college education financial aid How-To Guide student loans Tue, 24 Nov 2009 23:32:48 +0000 Staff 6309 at http://www.wisebread.com Book Review: The Complete Idiot’s Guide to Financial Aid for College (Second Edition) http://www.wisebread.com/book-review-the-complete-idiot-s-guide-to-financial-aid-for-college-second-edition <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/book-review-the-complete-idiot-s-guide-to-financial-aid-for-college-second-edition" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/financial aid idiot.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="250" /></a> </div> </div> </div> <p>You don’t have to be a complete idiot to need a little guidance in matters of finding and securing money for college.<span> </span>But just in case you are, <a href="http://www.amazon.com/gp/product/1592577466?ie=UTF8&amp;tag=wisebread03-20&amp;link_code=as3&amp;camp=211189&amp;creative=373489&amp;creativeASIN=1592577466">The Complete Idiot’s Guide to Financial Aid for College</a> is the perfect roadmap to the financial aid process.<span> </span>(And it works pretty well for the rest of us, too!) </p> <p class="MsoNormal"><strong>What it is.</strong><span> </span>This book is the second (and newest) edition from David Rye, M.B.A. and a great resource for parents, high school students, or anyone wanting to be sure they have all their college money bases covered.<span> </span>Like most “Idiot” books, the layout is simple, the info relevant, and the value adequate.<span> </span>Even if you’ve been around the college block a time or two, there is probably something new you could take away from this read. </p> <p class="MsoNormal"><strong>How it reads.</strong><span> </span>Written in language you can understand, the guide starts from scratch with defining college aid and lets you know there is plenty out there – if you qualify.<span> </span>In addition to the basics and not-so-basics of getting college money, there is a super foundation for determining where and how to go to college (as these choices can keep the initial costs down.)<span> </span>Cool little side notes, action plans, and FYI’s make this a candidate for “skimming” for just what you need.</p> <p class="MsoNormal"><strong>What it covers.</strong><span> </span>There’s more to this book than the FAFSA, and it can sit as a handy shelf-reference long after that first-year application process.<span> </span>Topics include: </p> <ul> <li><strong>What is financial aid?</strong></li> <li><strong>What is the best college for me?</strong></li> <li><strong>How do I use a college savings plan?</strong></li> <li><strong>What’s a grant?<span> </span>What’s a loan?</strong></li> <li><strong>What special minority, ethnic, field-related, and associative funds are available to me?</strong></li> <li><strong>What’s a financial aid package?</strong></li> <li><strong>Can I negotiate a better offer?</strong></li> <li><strong>What are some cost-cutting strategies?</strong> </li> </ul> <p class="MsoNormal"><strong>All the extras.</strong><span> </span>In addition to going into detail on the above questions, there is a up-to-date appendix that provides a glossary for terms, current financial aid resources, and a state-by-state listing of aid.<span> </span></p> <p class="MsoNormal">You don’t have to be clueless or just starting out to benefit from <a href="http://www.amazon.com/gp/product/1592577466?ie=UTF8&amp;tag=wisebread03-20&amp;link_code=as3&amp;camp=211189&amp;creative=373489&amp;creativeASIN=1592577466">The Complete Idiot’s Guide to Financial Aid for College</a>.<span>  </span>Some valid and unique discussions had me really thinking ahead to plans for my own children’s college funding.<span>  </span>If you’re not completely up on junior fellowships, cooperative educations, merit-based scholarship myths, 529 plans, or why more expensive may actually be cheaper, this may be a great read for you or a prospective college student.<span>  </span></p> <p class="MsoNormal">&#160;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/book-review-the-complete-idiot-s-guide-to-financial-aid-for-college-second-edition">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/welcome-to-the-real-world-my-best-advice-for-new-graduates">Welcome to the Real World - My Best Advice for New Graduates</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-federal-minimum-wage-increases-this-week-are-you-getting-a-pay-raise">The Federal Minimum Wage Increases This Week - Are You Getting a Pay Raise?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-should-you-do-when-you-are-asked-to-repay-an-overpayment-of-severance">What should you do when you are asked to repay an overpayment of severance?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-pay-less-money-for-a-college-degree">6 Ways to Pay Less Money For A College Degree</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/college/financial-aid">College Financial Aid Options</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Career and Income Consumer Affairs book review college complete idiot's guide financial aid Thu, 08 May 2008 15:11:18 +0000 Linsey Knerl 2074 at http://www.wisebread.com