1. Financial Aid Office Presented By: California State University, Stanislaus

2. Useful Information to Have Details on your income, financial aid, and living expenses. Some useful resources: ◦ Your student account at your school. ◦ A copy of the award letter from your school's financial aid office. ◦ A listing of the tuition and fees for your school.

3. Entrance Loan Counseling

5. Choose School and Grade Level

6. Check your Knowledge

7. Important Loan Information

8. Things You Need To Know

9. FREE Money First! Check Your knowledge

10. Note the differences Check your knowledge

11. Loan Limits Check your knowledge

12. Insert your expected expenses for the academic year. Check your knowledge

13. Insert your expected Financial Resources

14. Manage Your expenses Check your knowledge Plan ahead: -Create a budget -Limit your expenses

15. Manage Loan Disbursements You do not have to accept the full amount. You can return any unused portion of the loan.

16. Responsible Borrowing

17. Federal vs. Private Loans Federal Loans VS Private Loans

18. Monthly balance Estimated monthly payment depending on outstanding balance. Check your knowledge

19. Projected Income

20. Repayment Plans Check your knowledge

21. Entering Repayment Check your knowledge

22. Avoid Default

23. Trouble Making Payments

24. Forgiveness, Cancellation or Discharge

25. Records and Disputes

26. Consolidation

27. Plan for the Future!

28. Your Income & Taxes

29. Your Credit and Identity

30. Credit Cards & Other Borrowing

31. Summary After You Submit

32. Questions? Financial Aid and Scholarship Office Monday – Friday 8 am a 5 pm (209) 667 – 3336 www.csustan.edu/financialaid

33. Good Luck!