2. $$$ PAYING FOR COLLEGE $$$

3. WHAT WILL IT COST? AM I SAVING ENOUGH? HOW MUCH WILL COLLEGES EXPECT ME TO PAY? WHERE CAN I FIND SCHOLARSHIPS? HOW DO I APPLY FOR FINANCIAL AID?

4.  If you can, save enough to pay for the worst case scenario.  If you use a financial advisor, be sure he/she is well versed in financial aid issues.  Whatever you are able to save, DON’T save it in the student’s name.  Don’t wait until the last minute!

5. Grants Loans Work Study Scholarships Outside Employment Family Resources

6. NEED-BASED VS. NON-NEED-BASED

7.  Many scholarships can be found through the internet and/or the companies you work for!  Example: www.finaid.orgwww.finaid.org  Example: www.fastweb.comwww.fastweb.com  Private scholarships are posted in early Fall through Naviance Family Connection and many of the applications are on file in Guidance.  Local Scholarships are available in the Spring of senior year and presented at the Senior Awards Program in June.

8. GRANTS - Financial aid that does not have to be repaid. Based on need, cost of attendance, and enrollment status. LOANS - Borrowed money that must be repaid with interest. Maximum loan amounts depend on the student’s year in school. WORK STUDY - lets you earn money for education expenses while enrolled in school.

9. HOW MUCH CAN A PAYMENT PLAN HELP YOU? Total you owe the college Amount you play through a payment plan Total you have to borrow $10,000$0$10,000 $400/month$5,200 $10,000$830/month$0

10. $ - GET A PIN $ - KNOW YOUR DEADLINES $ - APPLY FOR FREE MONEY $ - FINISH THE FAFSA $ - GET EVERYTHING READY $ - FILL OUT THE OTHER FORMS $ - FOLLOW UP $ - BE PREPARED TO VERIFY $ - MAKE A FRIEND IN THE FINANCIAL AID OFFICE

11. FAFSA CSS Profile College Financial Aid Form

13. FAFSA - Free Application for Federal Student Aid ▫ Submit ASAP after January 1, 2011 ▫ www.fafsa.ed.gov www.fafsa.ed.gov College Scholarship Service ▫ CSS Profile - used with ED and EA found online at www.collegeboard.comwww.collegeboard.com Local scholarships ▫ Available in the Spring of senior year in Guidance Private scholarships ▫ List can be found on Naviance Family Connection and some applications are on file in Guidance.

15. Discuss your interest in playing college athletics with your coach, counselor and parents. Complete NCAA Eligibility form online at end of junior year (Division I and Division II athletes only). Access the form on the website: www.eligibilitycenter.org and notify your Guidance Counselor to send your transcript to the NCAA. www.eligibilitycenter.org

16. NCAA Eligibility & Statistics Division I Athletics operates on a sliding scale in terms of eligibility. The lower your GPA, the higher your test scores need to be in order to be eligible to participate. Less than 50% of athletes playing Division I or II receive any athletic aid. The NCAA limits the number of scholarships schools can give in each sport, and many are only partial scholarships. Division II – minimum GPA = 2.0, minimum SAT 820, minimum ACT sum score is 68.

17. REALITY ABOUT COLLEGE ATHLETIC SCHOLARSHIPS More than 100,000 college freshmen will play on NCAA teams next year, and about 30% of those kids will receive athletic scholarships. There are around 7 million student-athletes involved in high school sports. More than a million play football alone, and smaller sports, like soccer, draw over 600,000 teens a year. Yet, at the NCAA Div. I level, college athletics’ biggest arena, only 151,000 students play intercollegiate sports.

18. Do not dismiss a school because of cost…especially at this point in the college search process!