1. SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

2. Your FHSU SALT TM membership is FREE. Register at: saltmoney.org/FHSU FHSU is money savvy ̶ and you can be too! facebook.com/saltmoney@SALT_Money SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

3. Want FREE Money Tips and Student Loan Advice? FHSU teamed up with SALT TM to help you: Student loan advice from expert counselors. Scholarship, internship, and job searches. Tools to take control of your finances. Tips on building smart financial habits. Join for FREE at saltmoney.org/FHSU Get SALT SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

4. Having trouble saving money? Set up your direct deposit so a portion of your paycheck goes directly into your savings account. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

5. Checking your credit report annually is a great way to catch any mistakes. The best part? It’s Free! www.annualcreditreport.com MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

6. Don’t wait until graduation to check the balance on your student loans. Know what you owe NOW and track on a yearly basis. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

7. As a student, you might be eligible for certain tax credits and deductions. Do your research before filing your taxes to maximize returns! MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

8. When investing your money, remember time is “on your side”. The earlier you start, the better. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

9. Don’t think you make enough money to have a savings account? Try “starting small”. Even $10/week is better than nothing. Plus you are developing great habits! MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

10. Just because you qualify for a certain loan amount, doesn’t mean you should borrow all of it! Remember, the less you borrow now, the less you pay back (with interest) later. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

11. Having trouble sticking to your budget? Be realistic. Budgeting does not mean “no fun”. Make sure you consider your “wants” along with your “needs”. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

12. Thinking about making a large purchase? Ask yourself “Can my current income support this”? If Yes, figure out how much it will change your monthly budget. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

13. When comparing job offers, remember that salary is just one piece of the pie. Overall fit, job location and cost of living should also be factored into your decision. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

14. SALT SUGGESTS Find more money with SALT TM. Join today at saltmoney.org/FHSU. SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved. Accidentally overdrawing can cost you up to $35—so be sure to keep an eye on your bank account balance.

15. A software developer in Los Angeles can make up to $8,000 more a year than one in Austin. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

16. File your FASFA…fast! Schools have a set amount of money for Perkins loans. Stall and you could miss out on this low- interest opportunity. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

17. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU Overdrawing your bank account could cost up to $35 a pop. To keep that money, always monitor how much is in your account. SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

18. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU It’s called the ‘Free” application for Federal Student Aid (FASFA) for a reason. If a service wants to charge you, save your money and head to fafsa.ed.gov. SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

19. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU Different student loans go into repayment at different times. A subsidized Stafford loan gives you a 6-month grace period before payments are due. SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

20. Before a job interview, research the company and come up with a few questions. You’ll show you know the industry ̶ and their place in it. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

21. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU Pay attention to a credit card’s fine print. If you don’t, a $1,000 purchase could cost you twice as much in just 8 years. SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

22. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU Considering grad school? Scholarships are limited. Ask your school about fellowships or graduate assistant positions in your field. SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

23. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU There are tons of scholarships for unique hobbies. Do you knit? Rope cattle? Look around to see if your skills qualify you for free money. SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

24. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU Did your bank email you asking for personal info? Identity theft warning! Call your bank and check ̶ using the number on their website. SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

25. Send a thank you note within a day of a job interview. You’ll look professional ̶ and move to the top of the list. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

26. MONTHLY TIP FROM SALT TM More tips: saltmoney.org/FHSU Be creative when negotiating a salary. If an increase isn’t possible, ask about vacation time, benefits or perks. SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.