1. FINANCING YOUR COLLEGE EDUCATION Office of Scholarships & Financial Aid

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

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

4. 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

5. WHERE’S THE $ COMING FROM? 5

6. CLICK TO EDIT MASTER TITLE STYLE FUNDING YOUR EDUCATION

7. 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, www.studentloans.govwww.studentloans.gov Academic year cap based on institutional “cost of attendance”

8. 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

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

10. WHAT IF I BORROW TOO MUCH OR TOO LITTLE? 10 14 Day Loan Return Form 2015-16 Cost of Attendance Appeal Form Uneven splits between the fall and spring semesters can be arranged, just send me an e-mail 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

11. INTEREST ACCRUAL 11

12. 12 BUDGETING SOFTWARE AND APPS MintYou Need a BudgetBillGuardCredit Karma

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

14. CLICK TO EDIT MASTER TITLE STYLE R EPAYMENT PLANS

15. 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

16. 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 http://nau.edu/GradCol/Financing/Openings/

17. CLICK TO EDIT MASTER TITLE STYLE E XTERNAL SCHOLARSHIPS www.infoed.org/new_spin/spinmain.asp www.fastweb.com/ bigfuture.collegeboard.org/scholarship-search www.scholarships.com/ www.scholarshipexperts.com/ www.petersons.com/college-search/scholarship-search.aspx www.kickstarter.com http://www.gofundme.com/

18. 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) 523-8670 E-mail jeff.tellin@nau.edujeff.tellin@nau.edu