1. Post-Secondary Financial Planning
September 16, 2016

2. Georgia Finance Commission www.gsfc.org
Scholarships – merit/need based
HOPE Scholarship(3.0)/Zell Milller (3.7/26)
Scholarship for Engineering Education (SEE) – participating GA Universities
Helping Educate Reservists and their Offspring (HERO) Scholarship – Active Duty
Grants – merit/need based
Pell-Grant – federal need-based
HOPE Grant – certificate/diploma programs
Public Safety Memorial Grant – children of public safety officers disabled or killed in line of duty
Tuition Equalization Grant (TEG) – assistance towards costs of eligible private institutions
University of North Georgia ROTC grant and ROTC Grant for Future Officers
Cancelable Loans – often related to public service and/or military
Georgia Military College (GMC) – 2 year scholarship to GMC for National Guard Service
Georgia National Guard (GNG) Service Cancelable Loan
University of North Georgia cancelable loan/full scholarship for 8 years of Army service

3. Types of Financial Aid Scholarships/Grants Loans
Not required to pay back
Scholarships – merit and/or need-based
Grants – mainly need-based
PELL Grant – up to $5750 based on need
FSEOG – federal supplemental educational opportunity grant (not all colleges participate, $100-$4000 per year)
TEACH – teacher education assistance for college and higher education (based on high need areas, up to $4000)
Work Study
Institutional grants and scholarships
Subsidized – do not accrue interest
Unsubsidized – accrue interest
PLUS loan – parent loan
Private loans – private lenders

4. Free Application for Federal Student Aid https://fafsa.ed.gov/
Application opens October 1st
Free to complete
Create and FSA ID for student and parents/legal guardians to confirm and secure identity and serve as online signature
Uses parents/legal guardians 2015 taxes then updated once 2016 taxes are available
Applies for federal aid (PELL, Work Study), state aid (HOPE), institutional aid (FSEOG)
Scholarships may require completion
GORDON LEE FAFSA night scheduled for Wednesday 10/19 from 3:00-6:00pm
***CSS Profile required by some colleges

5. Scholarships
(scroll to scholarship directory), cappex.com
Essay competitions
Online vs. Paper
National vs. Local
Deadlines greatly vary
Institutional
Deadlines range October through December
Automatic vs. Competitive
Employers
References/Recommendations
Test Scores
Do not pay anyone to search for scholarships
Provide teachers/counselor “about yourself cheat sheet”
Give plenty of notice for a recommendation request

6. Points of Interest Automatic Out-of-State Tuition waivers
tuition-waivers.html
ACT/SAT/Academic Scholarships
and-satact-scores/
Academic Common Market
College Data
Cost of Attendance
Know the all inclusive costs
Net Price Calculator

7. Miscellaneous Information
UGA Early Action application is open and closes 10/15
Common Application
Test Optional Schools
Early Action is non-binding vs. Early Decision is binding
ACT registration deadline 9/16 for 10/22 test
SAT registration deadline 10/07 for 11/05 test
Scores sent to up to 4 colleges for no charge
Request transcripts from colleges for DE

8. CONTACT INFORMATION
EXT 3013
REMIND 101 send the below text to 81010
Class of 2017
Class of 2018
Class of 2019
Class of 2020

9. For the High School Graduating Class of 2017 and beyond, a student meeting the requirements to be a HOPE Scholar at the time of high school graduation must earn a minimum of four full credits from the academic rigor course categories listed below prior to graduating from high school.
Credits received for academic rigor courses must be selected from the categories below:
a. Advanced math, such as advanced algebra and trigonometry, math III,
taken at the high school, or an equivalent or higher course taken for degree
level credit at an Eligible Postsecondary Institution;
b. Advanced science, such as chemistry, physics, biology II, and certain
computer science courses taken at the high school level, or an equivalent
or higher course taken for degree level credit at an Eligible Postsecondary
Institution;
c. Foreign language courses taken at the high school, or taken for degree level
credit at an Eligible Postsecondary Institution; or
d. Advanced Placement, International Baccalaureate or degree level Dual
Credit Enrollment courses in Core subjects.