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Financial Literacy & Capabilities Houston Community College Financial Literacy and Capabilities Prosper Chapter 4 Financial Literacy & Capabilities Houston Community College Financial Literacy and Capabilities Prosper Chapter 4

Paying for College Houston Community College Financial Literacy and Capabilities Module pt. 2 Paying for College Houston Community College Financial Literacy and Capabilities Module pt. 2

Paying for College Have you ever asked these questions? ? How will I pay? Paying for College Have you ever asked these questions? ? How will I pay? ? How much will it cost? ? How much financial aid can I receive?

The Cost of Education Did you know? The Cost of Education Did you know?

Types of Aid pg. 254 Loans Must be repaid with interest 6 months after Types of Aid pg. 254 Loans Must be repaid with interest 6 months after graduating. Subsidized- do not accrue interest while in school Unsubsidized accrue interest while in school. Grants Scholarships Money you do not have to repay, usually need based and firstcome basis. Acquired from public and private sources does not have to be repaid. Work Study Money earned while working on campus, does not have to be repaid.

Are you Eligible for Federal Aid? Are you Eligible for Federal Aid?

The FAFSA Complete the FAFSA to begin the financial aid process (fafsa. ed. gov). The FAFSA Complete the FAFSA to begin the financial aid process (fafsa. ed. gov).

Your Financial Aid is Determined by Your Financial Aid is Determined by

The Financial Aid Process Complete the FAFSA The Govt. processes Student Aid Report Created The Financial Aid Process Complete the FAFSA The Govt. processes Student Aid Report Created Sent to you and your college Your college creates a financial award You accept Funds are applied

Pay Off As Quickly As Possible! Pay Off As Quickly As Possible!

Repay Your Loans! Repay Your Loans!

Access the Financial Aid Department Access the Financial Aid Department

Activity Activity

Smart Credit Houston Community College Financial Literacy and Capabilities Module pt. 3 Smart Credit Houston Community College Financial Literacy and Capabilities Module pt. 3

What is a Credit Card? What is a Credit Card?

Credit Cards • Are money • back. you have to pay • They can Credit Cards • Are money • back. you have to pay • They can help pay • necessities and • emergencies. for • They can help you • your credit history. establish

Tips for Managing Credit Cards Tips for Managing Credit Cards

Your Credit History is Credit Report + Credit Score= Credit History Your Credit History is Credit Report + Credit Score= Credit History

What Does Your Credit Score Say? What Does Your Credit Score Say?

The Impact of Your FICO Score on Home Buying Pg. 259 Fico Score Range The Impact of Your FICO Score on Home Buying Pg. 259 Fico Score Range (Best to Worst) Average Interest Rate Estimated Monthly Payment Estimated Total Interest 760 -850 5. 78% $879. 00 $166, 440 700 -759 6. 00% $900. 00 $174, 000 660 -699 6. 28% $927. 00 $183, 720 620 -659 7. 09% $1008. 00 $212, 880 580 -619 8. 58% $1162. 00 $268, 320 500 -579 9. 49% $1261. 00 $303, 960

Ways to Improve Your Credit Score Ways to Improve Your Credit Score

Budgeting Houston Community College Financial Literacy and Capabilities Module pt. 4 Budgeting Houston Community College Financial Literacy and Capabilities Module pt. 4

Assets vs. Liabilities Calculate your net worth Assets- liabilities= net worth (wealth) Assets vs. Liabilities Calculate your net worth Assets- liabilities= net worth (wealth)

Why Budget? Why Budget?

Texas Benefit Bank Texas Benefit Bank

Creating a Budget? Budgets help you save money and understand where your money is Creating a Budget? Budgets help you save money and understand where your money is going.

Budget Tips Budget Tips

Budget & Savings Activity After creating your budget Budget & Savings Activity After creating your budget

Financial Literacy & Capabilities Survey Financial Literacy & Capabilities Survey