FINANCING YOUR COLLEGE EDUCATION Office of Scholarships & Financial Aid

CLICK TO EDIT MASTER TITLE STYLE G RADUATING IS A BIG DEAL

CLICK TO EDIT MASTER TITLE STYLE G RAD SCHOOL, STILL TOTALLY WORTH IT

GRADSENSE.ORG BY DEGREE ENTER YOUR DEGREE TYPE, FIELD OF STUDY, AND PREFERRED CAREER RESULTS SHOW: MEDIAN DEBT OF STUDENTS STARTING, MEDIAN, AND EXPERT SALARY LEVELS IN DESIRED CAREER ADD IT UP ENTER DAILY SPENDING DECISIONS RESULTS SHOW: AMOUNT SAVED WHEN YOU GRADUATE AMOUNT SAVED WHEN YOU RETIRE JOB TIPS EXPLORE SALARIES BY OCCUPATION (BEGINNER, INTERMEDIATE, ADVANCED) JOB OFFER EVALUATION (COST OF LIVING, SALARY, BENEFITS, ETC…) NEGOTIATING A JOB OFFER (SALARY DISCUSSIONS) REPAYMENT OF LOANS WHAT WILL IT TAKE TO COVER MONTHLY PAYMENTS? YOUR DEGREE TYPE, FIELD OF STUDY AND PREFERRED CAREER

WHERE’S THE $ COMING FROM? 5

CLICK TO EDIT MASTER TITLE STYLE FUNDING YOUR EDUCATION

FEDERAL FUNDING FOR GRADUATE STUDENTS 7 Direct Unsubsidized Loan 5.84% interest rate Interest accrues while in school Automatic eligibility Capped at $20,500 per academic year Direct Grad PLUS Loan 6.84% interest rate Interest accrues while in school Credit-based, apply online, Academic year cap based on institutional “cost of attendance”

PRIVATE LOANS? 8 Fixed, variable rates Typically, no origination fees Interest will accrue while in school Ask about repayment options, income based, forgiveness programs? Ask about refinance options Ask about consolidating multiple loans

ESTIMATED COST OF ATTENDANCE (COA) 9 Direct Costs + Indirect Costs = COA Direct Costs: Tuition Fees Books Indirect Costs: Housing Transportation Personal

WHAT IF I BORROW TOO MUCH OR TOO LITTLE? Day Loan Return Form Cost of Attendance Appeal Form Uneven splits between the fall and spring semesters can be arranged, just send me an to request it Enrolling in the payment plan, login to your LOUIE account. Under the Finances section, select “Enroll in a Payment Plan” from the dropdown menu, due dates, 8/24, 9/15, 10/15 and 11/15LOUIE

INTEREST ACCRUAL 11

12 BUDGETING SOFTWARE AND APPS MintYou Need a BudgetBillGuardCredit Karma

CLICK TO EDIT MASTER TITLE STYLE T HERE ’ S NO WAY I OWE THAT MUCH ! KEEP TRACK OF YOUR BORROWING

CLICK TO EDIT MASTER TITLE STYLE R EPAYMENT PLANS

CLICK TO EDIT MASTER TITLE STYLE F UNDING OPTIONS THAT AREN ’ T LOANS NAU Foundation, nazufoundation.com/ application deadline 1/31/2016nazufoundation.com/ Academic Works, nau.academicworks.com/ application deadline 3/1/2016nau.academicworks.com/ NAU departmental scholarships, nau.edu/FinAid/Scholarships/Departmental/ nau.edu/FinAid/Scholarships/Departmental/ NAU Graduate College/Graduate Student Government Scholarships

CLICK TO EDIT MASTER TITLE STYLE W AIVERS AND ASSISTANTSHIPS Full-time (20 hours/week) graduate assistantships offer: 100% tuition waiver a waiver of the student health insurance premium stipend Part-time (10 hours/week) offer: 50% tuition waiver stipend

CLICK TO EDIT MASTER TITLE STYLE E XTERNAL SCHOLARSHIPS bigfuture.collegeboard.org/scholarship-search

CLICK TO EDIT MASTER TITLE STYLE CONTACT INFORMATION Jeff Tellin NAU Office of Scholarships and Financial Aid Gammage Building 1 Financial Aid Advisor Graduate Student Programs Coordinator Direct: (928)