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Getting Into College Important Information – Part 5 October 30 th, 2008 7: 30 Getting Into College Important Information – Part 5 October 30 th, 2008 7: 30 PM Orange High School Cafeteria IMPORTANT INFORMATION

Table of Contents • • • • • 1. Newsletters and Other Information 2. Table of Contents • • • • • 1. Newsletters and Other Information 2. Calculators 3. Internet Resources 4. Should I Borrow for School or Work More 5. Internet Resources – Homework 6. Internet Resources – Exploring Careers 7. Internet Resources – Planning For College 8. Internet Resources – Choosing Your College 9. Internet Resources – Applying To College 10. Internet Resources – Paying For College 11. Internet Resources – Managing Your Money 12. Internet Resources – Getting Hired 13. Internet Resources – State Education Resources 14. Internet Resources – Managing Credit and Debt 15. Internet Resources – Repaying Your Student Loan 16. Internet Resources – Loan Forgiveness 17. Internet Resources – PDF Handouts 18. FAQ’s 19. College Success Stories

Newsletters and Other Information • AIEmail E-newsletter • • Read the weekly e-newsletter of Newsletters and Other Information • AIEmail E-newsletter • • Read the weekly e-newsletter of AIE published for high school students, parents, and educators. Every week AIEmail gives you up-to-date information on events, news, advice, deadline reminders, and more. It has everything a high school freshman, sophomore, junior, senior, or parent or a counselor needs to help plan for college. Subscribe now! • • • Recent issue Featured article Jul 21, 2008 Bringing the past to life History may seem like a dry subject when you're reading it out of textbooks, but summertime brings lots of opportunities to make it more lively. If you are taking a summer vacation, do a bit of research to learn about the history of the place you are visiting. Jul 14, 2008 Broaden your horizons: Learning about art Look at some different types of art - modern, landscape, portrait - and note the differences. Get a better understanding of what you like and what you don't like about artistic styles and methods. • • Jul 7, 2008 Science by the sea: Learning about nature at the beach Are you taking a family vacation to the beach this year? The ocean offers a variety of opportunities to learn about science in a fun way. • • Jun 30, 2008 A wider view: The value of other perspectives Have you ever wondered what other people think, or how they think? By understanding where other people are coming from and stepping out of your comfort zone, you can begin to see things in a different light.

Calculators • • • Calculators AIE's calculators are designed to help determine the costs Calculators • • • Calculators AIE's calculators are designed to help determine the costs associated with higher education. Loan Calculator • Graduation Planning Calculator • Net Earnings Calculator • In School Budget Worksheet • Out of School Budget Worksheet • Expected Family Contribution (EFC) Calculator • AIE provides these calculators as a service to you. You should discuss any specific questions with a qualified financial aid counselor.

Internet Resources • By Name | Popularity | Updated Results 1 - 2 for Internet Resources • By Name | Popularity | Updated Results 1 - 2 for getting started. • • ED. gov — Students Web site for students from the United States Department of Education. • www. ed. gov/students - Jun 7, 2006 • Students. gov • A cooperative effort between federal agencies, students, and other parts of the education community, this site's mission is to provide students and families with a student-centered gateway to federal services and information from across the entire U. S. government and selected non-government sites. www. students. gov - Sep 16, 2005 Listings on this site are not endorsements of products or services. Suggestions for additions to this listing can be made through our link submission form. • • •

 • • Net Earnings Calculator Working long hours has been proven to have • • Net Earnings Calculator Working long hours has been proven to have a negative effect on academic performance, yet today so many students are working long hours to pay for their education. Is this a wise financial strategy? The following two examples suggest it may be penny wise and pound foolish to work long hours, especially if you have not yet explored the option of student loans. • • Example 1: Work more, borrow less, and finish later Meet Ishaq. • Ishaq is an intern for a local business working 25 hours per week at $8. 00 an hour. His heavy work schedule means less time to study, and as a result it takes him five years to graduate. The extra year of college (books plus tuition) costs him $5, 000. Using this strategy, Ishaq comes out about $1, 000 ahead on graduation day. • • Example 2: Work less, borrow more, and finish sooner Meet Rebecca takes out a $7, 000 loan to help pay for her education. She uses the loan to reduce her work time to 15 hours per week. As a result, she graduates in four years and finds a job earning $28, 500 per year. Even if she paid back her entire loan her first year out of college, Rebecca would still come out over $10, 000 ahead!

Should I Borrow for School or Work More? • You can determine your own Should I Borrow for School or Work More? • You can determine your own net earnings using the calculator below. It is designed to show you whether it is in your best interest to borrow, or borrow more, and finish sooner or work and borrow less or not at all. The calculator assumes that you can borrow more and finish college sooner or work more, borrow less, and finish later. If this is not true in your case, it may not help you. • The calculator will estimate the cost to you of increased borrowing versus taking additional time to finish college. The first scenario assumes you would borrow the same amount you have been borrowing or no borrowing at all. The second scenario is based on only the additional amount you would have to borrow to graduate sooner. You should estimate how much you would need to borrow in order to keep the amount of time you spend at work to a level that would allow you to graduate earlier. • An important consideration in this calculation is how much you expect to make once you complete your degree. For most students, the less you make now compared to after graduation, the more likely it is to be to your advantage to borrow and finish sooner. If you would have to borrow a great deal more, you do not expect to earn significantly more once you graduate, or you already make a relatively high wage, borrowing is less likely to be an advantage. For purposes of comparison, the second scenario assumes you will pay off the full cost of extra borrowing in the first year after graduation to approximate the difference in total costs. In most cases, you will spend loan repayment costs over several years. • Enter term type and number of terms. Please enter whether your school runs on the semester or quarter system, and then enter the number of terms you want to consider in the calculation. Numbers from the examples above are pre-entered for your reference only.

Internet Resources — Homework • • • • • Featured site Students. gov — Internet Resources — Homework • • • • • Featured site Students. gov — Online study help Explore interesting subjects or look for resources to help with school projects and coursework in this collection of government Web sites. www. students. gov/STUGOVWeb. App/Public? topic. ID=96&operation=maintopic - Oct 26, 2006 By Name | Popularity | Updated Results 1 - 32 for homework. BJ Pinchbeck's Homework Helper Popular homework-related site organized and maintained by a high school student. school. discovery. com/homeworkhelp/bjpinchbeck - Aug 21, 2006 Channel 4 — Homework High can help students aged 11 to 16 with their homework. The site offers virtual libraries dedicated to English, math, science, geography, language, and history. www. channel 4. com/learning/microsites/H/homeworkhigh - Nov 10, 2005 Cool math. com Created by a former teacher and graphic designer, this site provides math lessons, games, and puzzles. www. coolmath. com/home. htm - Sep 22, 2006 Discovery. School. com — Student's Guide Provides tools to help students study, games to challenge their mind, and tons of great clip art to use. In addition, there are nearly a dozen learning adventures that let students explore everything from Ancient Egypt to the International Space Station. school. discovery. com/students - Sep 22, 2006

Internet Resources — Homework • • • • Encyclopedia Smithsonian Helps answer frequently asked Internet Resources — Homework • • • • Encyclopedia Smithsonian Helps answer frequently asked questions about subjects from art to zoology. www. si. edu/resource/faq - Aug 21, 2006 Fact Monster Info. Please delivers an online almanac, dictionary, encyclopedia, and homework center all on one site. www. factmonster. com - Aug 21, 2006 Google Directory — Homework Help Search Integrates Google's sophisticated search technology with Open Directory pages to create a useful tool for finding information on the Web. www. google. com/Top/Kids_and_Teens/School_Time/Homework_Help - Sep 22, 2006 High School Ace Academic site featuring subject guides, daily quizzes and puzzles, reference resources, and more. highschoolace. com - Aug 21, 2006 Homework and Study Tips Offers a collection of helpful homework and study tips. homeworktips. about. com - Sep 22, 2006

Internet Resources — Homework • • • Homework. Authority. com is the place to Internet Resources — Homework • • • Homework. Authority. com is the place to get homework help on the Internet 24 -hours a day. www. homeworkauthority. com - Sep 21, 2006 Homework. Spot. com A free homework information portal featuring the K-12 homework-related sites together with editorial comments. www. homeworkspot. com - Aug 21, 2006 How. Stuff. Works Recognized as a good source for clear, reliable explanations of how things actually work, this Web site helps demystify the world around us. www. howstuffworks. com - Sep 22, 2006 Infoplease — Homework Center A comprehensive reference source that combines the contents of an encyclopedia, a dictionary, an atlas, and several almanacs loaded with statistics, facts, and historical records. A single search engine allows users to search all these sources at once. www. infoplease. com/homework - Sep 22, 2006

Internet Resources — Homework • • • • • Internet Public Library A public Internet Resources — Homework • • • • • Internet Public Library A public service organization from the University of Michigan School of Information providing library services to Internet users. www. ipl. org - Aug 21, 2006 Jefferson Library — Helpful Homework Tips on completing homework assignments. info. jefferson. lib. co. us/teen/homework. html - Jul 30, 2006 KID INFO Homework help, reference resources, and fun sites for students, with resources for teachers and parents as well. www. kidinfo. com - Aug 21, 2006 Kids. Click! Web search site built for students by librarians. www. kidsclick. org - Aug 21, 2006 King County Library System — Homework Help Assists public, private and home schooled students, grades 4 -12, with their homework assignments. www. kcls. org/hh/homework. cfm - Aug 21, 2006 Library. Spot A free virtual library resource center for educators, students, librarians, families, and anyone else researching information on the Web. www. libraryspot. com - Aug 21, 2006

Internet Resources — Homework • • • • Math Goodies The purpose of this Internet Resources — Homework • • • • Math Goodies The purpose of this message board is to assist students who are struggling with specific math homework problems. Volunteer teachers will guide you toward finding an answer. www. mathgoodies. com/homework - Jul 30, 2006 MSN Encarta — Homework Help Provides help with homework and tips and articles for research. encarta. msn. com/encnet/departments/homework - Sep 22, 2006 Multnomah County Library — Homework Center Oregon's largest public library maintains a homework site that includes a link directory and daily online tutoring. www. multcolib. org/homework/index. html - Aug 21, 2006 National. Geographic. com Kids — Homework Help Gives information about animals, history and culture, geography, places, and science. The site is a useful research tool to find pictures, articles, maps, and more on many subjects — perfect for reports, presentations, and more! www. nationalgeographic. com/homework - Sep 22, 2006 Our Documents An interactive museum featuring 100 milestone documents that shaped American history from 1776 to 1965. www. ourdocuments. com - Aug 21, 2006 Project Gutenberg

Internet Resources — Homework • • • • Project Gutenberg is the first and Internet Resources — Homework • • • • Project Gutenberg is the first and largest single collection of free electronic books www. gutenberg. org - Aug 21, 2006 Scholastic — Homework Hub The largest publisher of children's books offers tips and guides for activities such as researching, writing, and test taking. www. scholastic. com/kids/homework - Aug 21, 2006 Smithsonian Education The Smithsonian Institution gives students a unique site to explore art, science, history, and other subjects. smithsonianeducation. org/students/index. html - Aug 21, 2006 Students. gov — Online study help Explore interesting subjects or look for resources to help with school projects and coursework in this collection of government Web sites. www. students. gov/STUGOVWeb. App/Public? topic. ID=96&operation=maintopic - Oct 26, 2006 Study Skills and Strategies How-to-Study. com is the number one resource in the world for FREE information on study skills, study strategies and study aids. www. how-to-study. com - Oct 18, 2006

Internet Resources — Homework • • • Wonder Whiz Kids Here you will find Internet Resources — Homework • • • Wonder Whiz Kids Here you will find innovative and insightful ways to learn about the world around you and develop an understanding of its essential nature. www. wonderwhizkids. com - Nov 15, 2006 Word Central Merriam-Webster's word-based Web site provides kids with an easy to use, illustrated dictionary. www. wordcentral. com - Sep 22, 2006 Yahooligans! — Homework Help A browsable, searchable directory of Internet sites for kids. Each site has been carefully checked by an experienced educator to ensure the content and links are appropriate for kids aged 7 to 12. yahooligans. yahoo. com/school_bell/Homework_Help - Sep 22, 2006

Internet Resources — Exploring Careers • • • • Featured site Occupational Outlook Handbook Internet Resources — Exploring Careers • • • • Featured site Occupational Outlook Handbook A site provided by the Bureau of Labor Statistics to provide information about the U. S. job market, particular career areas, employment statistics, and employment projections for up to 10 years. www. bls. gov/oco - Jul 19, 2005 By Name | Popularity | Updated Results 1 - 19 for exploring careers. Bob Turba's Cyber Guidance Office A collection of links and resources for high school students and their families, focusing on colleges, scholarship and financial aid, and career information. cyberguidance. net - Sep 21, 2006 Breakthrough Collaborative A national non-profit that increases educational opportunity for high-potential, low-income middle school students and inspires outstanding college and high school students to pursue careers in education. www. breakthroughcollaborative. org - Aug 18, 2006 Career Cruising is an interactive career resource designed for people of all ages exploring their career interests. careercruising. com - Apr 18, 2006

Internet Resources — Exploring Careers • • • • • Career Explorer Where teens Internet Resources — Exploring Careers • • • • • Career Explorer Where teens can view career descriptions, choose a career, find a school, and get answers to financial aid, career placement, and career education questions www. careerexplorer. net - Jul 27, 2006 Career Guide to Industries Provides information on careers from an occupational perspective. www. bls. gov/oco/cg - Mar 28, 2006 Career Launch From the Boys & Girls Clubs of America, a very useful career and college site, with resources and links to help teens with self-assessment, summer opportunities, college search, career development, and more. careerlaunch. net - Jul 27, 2006 Career Related Web Sites This site provides links to pages with information on hundreds of different careers. Learn about a career that interests you and tips on how to pursue your career goals. www. montville. net/highschool/guidance/Careers%20 in. . . htm - Jul 18, 2005 Careers And Colleges Features scholarship and grant databases as well as a free search for colleges and universities. www. careersandcolleges. com - Sep 22, 2006 Cornell Career Services — Developing Career Goals The pages on this Web site organize the key aspects of your career decision-making so that you can go about it in a manageable and sequential way. www. career. cornell. edu/exploration/goals - Mar 28, 2006

Internet Resources — Exploring Careers • • • Education. Planner One-stop career and college Internet Resources — Exploring Careers • • • Education. Planner One-stop career and college planning site. The site has the information to research careers, choose a postsecondary school, apply on-line, and find ways to finance an education. www. educationplanner. com - Sep 22, 2006 Guidance Resource Homepage Compiled by Martha Wiseman, a retired guidance director and counselor, this site assists guidance counselors and high school students with planning for the future and other guidance issues. www. wisemantech. com/guidance - Jul 19, 2005 Major Resource Kits — The Career Services Center at the University of Delaware A resource for helping students decide on possible majors in college; the site provides information on career paths, sample job titles, and a short bibliography of materials available to particular majors. www. udel. edu/CSC/mrk. html - Sep 21, 2006 Mapping Your Future — Planning a Career "A guided tour of planning a career. " On this tour, you can find out how to choose a career and how to reach your career goal. www. mapping-your-future. org/planning - Sep 15, 2005

Internet Resources — Exploring Careers • • • My. Cool. Career. com A career Internet Resources — Exploring Careers • • • My. Cool. Career. com A career exploration site for teens and twenty-somethings, where you can find all sorts of career tools and information, including self-assessment tools, streaming MP 3 interviews with people in various career fields, and much more. www. mycoolcareer. com - Oct 18, 2006 My. Majors. com can provide useful advice on college and university majors that a high school senior or first year college student with your interests and achievements might do well in. mymajors. com - Apr 18, 2006 Next Step Magazine A teen magazine that helps high school students, parents and counselors with life after high school. www. nextstepmagazine. com - Sep 22, 2006 Occupational Outlook Handbook A site provided by the Bureau of Labor Statistics to provide information about the U. S. job market, particular career areas, employment statistics, and employment projections for up to 10 years. www. bls. gov/oco - Jul 19, 2005

Internet Resources — Exploring Careers • • Occupational Outlook Quarterly This site provides practical Internet Resources — Exploring Careers • • Occupational Outlook Quarterly This site provides practical information on jobs and careers. Articles are written in straightforward, non-technical language and cover a wide variety of career and work-related topics such as new and emerging occupations, training opportunities, salary trends, and results of new studies from the Bureau of Labor Statistics. Each issue also includes a profile of an unusual or rarely studied occupation. www. bls. gov/opub/ooqhome. htm - Jul 18, 2005 Schools. Inthe. USA. com A career and college prep resource that helps students to explore various career paths (about 1, 000) and research almost 2, 000 4 -year colleges (by name, location, field of study, certificate program, size, cost, and more). www. schoolsintheusa. com - Oct 18, 2006 Listings on this site are not endorsements of products or services. Suggestions for additions to this listing can be made through our link submission form.

Internet Resources — Planning for College • • Featured sites College Board The home Internet Resources — Planning for College • • Featured sites College Board The home page of the SAT and the PSAT. Provides online registration, preparation tips, dates, fees, and more. www. collegeboard. com ACT, Inc. The home page of the college entrance exam. Provides information about the ACT Assessment, including online registration, preparation tips, dates, fees, and more. www. act. org • • • By Name | Popularity | Updated Results 1 - 34 for planning for college. 4 Tests. com At this site students may complete free practice tests. www. 4 tests. com About College This site is a guide to everything you ever really wanted to know about college life, but didn't know whom to ask. www. aboutcollege. com ACT — Student This is a student site for ACT test takers that provides test prep, college planning, and career planning information. www. actstudent. org

Internet Resources — Planning for College • • • • ACT, Inc. The home Internet Resources — Planning for College • • • • ACT, Inc. The home page of the college entrance exam. Provides information about the ACT Assessment, including online registration, preparation tips, dates, fees, and more. www. act. org Bob Turba's Cyber Guidance Office A collection of links and resources for high school students and their families, focusing on colleges, scholarship and financial aid, and career information. cyberguidance. net College Board The home page of the SAT and the PSAT. Provides online registration, preparation tips, dates, fees, and more. www. collegeboard. com College Forward provides college preparatory services to motivated, economically-disadvantaged students, in order to facilitate their transition to college and make the process exciting and rewarding. www. collegeforward. org College is Possible The Coalition of America's Colleges and Universities has launched this site to direct students and their families to information and advice about preparing for college, choosing the right college, and paying for college. www. acenet. edu/AM/Template. cfm? Section=CIP 1 -

Internet Resources — Planning for College • • • • • College Power. Prep Internet Resources — Planning for College • • • • • College Power. Prep has helped tens of thousands of students make dramatic improvements in their scores and gain entrance into the college of their choice. www. powerprep. com College Scholarships, Colleges, and Online Degrees Designed to offer college-bound students, parents, and counselors easy access to information on colleges and universities throughout the United States, free scholarship and financial aid searches, SAT and ACT test preparation tips, and more. www. college-scholarships. com College 411 Site for students and parents with questions about planning for, choosing, paying for, and making the most out of college. www. college 411. org College. Bound An interactive guide to college life for aspiring college-bound students that offers teens insight and access to real people who can guide them through their college and career choices www. collegebound. net Collegehints. com Filled with ideas for current or college-bound students, this site includes information about the best on-line and on-campus college courses. www. collegehints. com Cynthia Good's Home Page A list of sites that supply online information about colleges, careers, financial aid, college applications, SAT preparation, and study skills. www. bridge-rayn. org/CGood. html

Internet Resources — Planning for College • • • • • Dr. Mom's Guide Internet Resources — Planning for College • • • • • Dr. Mom's Guide to College A guide to college told from the perspective of a college professor with a daughter heading toward college. www. lions. odu. edu/~kkilburn/dr_mom_home. htm Education Unlimited An educational services company based in California, specializes in academic summer camps for high school and junior high school students. www. educationunlimited. com Educational Testing Service ETS provides information about a wide variety of college and graduate school admissions tests and placement tests. www. ets. org Education. Planner One-stop career and college planning site. The site has the information to research careers, choose a postsecondary school, apply on-line, and find ways to finance an education. www. educationplanner. com Edu. Hound. com State-by-state listing of comprehensive testing, accountability and assessment Web sites. www. eduhound. com/k 12 statetesting. cfm Fair. Test — SAT Optional Colleges This site lists links to homepages of colleges that don't require the SAT for admissions. fairtest. org/optinit. htm

Internet Resources — Planning for College • • • First. Choice. School. com A Internet Resources — Planning for College • • • First. Choice. School. com A guide to planning for college that is designed for students (and their parents) in middle or junior high school. www. firstchoiceschool. com Go. College A free, flexible, and user-friendly college search engine from Cliff's. Search by region, majors, tuition, test scores, keywords, and others. "Test yourself" section provides free practice tests. www. gocollege. com Guidance Resource Homepage Compiled by Martha Wiseman, a retired guidance director and counselor, this site assists guidance counselors and high school students with planning for the future and other guidance issues. www. wisemantech. com/guidance Kaplan Educational Centers A site sponsored by the national educational company that specializes in test preparation, admissions, and career services. www. kaplan. com

Internet Resources — Planning for College • • • Law School Admission Council Online Internet Resources — Planning for College • • • Law School Admission Council Online Provides information about law schools including registration information and more about the LSAT. www. lsac. org • • • Medical College Admission Test — MCAT The MCAT section of the Association of American Medical Colleges that provides information about medical school admissions. www. aamc. org/students/mcat/start. htm • • • MSN Encarta — College Articles, tools, and advice about planning for college, choosing a college, and paying for college. encarta. msn. com/encnet/departments/college/default. aspx? page=Home • • • National College Access Program Directory Find details about local college access programs in your state. www. collegeaccess. org/accessprogramdirectory/default. aspx • • • Super. Kids — SAT Vocabulary Builder Daily word and definition to help prepare for the SAT. www. superkids. com/aweb/tools/words/sat -

Internet Resources — Planning for College • • • Test of English as a Internet Resources — Planning for College • • • Test of English as a Foreign Language — TOEFL This site provides information about the test used by some North American colleges and universities to assess the listening comprehension, structure and written expression, and reading comprehension of students whose native language is not English. www. toefl. org • • • Test Prep Review Provides practice tests at no charge. www. testprepreview. com • • • The Princeton Review This site, sponsored by the nationwide standardized test preparation company, provides information about courses, books, software, and online services. www. review. com • • • The Princeton Review — SAT Word du Jour Daily word and definition to help prepare for the SAT. www. princetonreview. com/college/research/wdj. asp? word. Type=2 • • • Yahoo! Education — Word of the Day Daily word and definition to help prepare for the SAT from Yahoo! education. yahoo. com/college/wotd - Jul 30, 2006

Internet Resources — Choosing Your College • • Featured site U. S. News and Internet Resources — Choosing Your College • • Featured site U. S. News and World Report — America's Best Colleges Web site version of the magazine's national college rankings. Includes a detailed school directory, interactive tools, and much more. www. usnews. com/usnews/edu/college/rankings/rankindex_brief. php • By Name | Popularity | Updated Results 1 - 46 for choosing your college. • • All About College This site provides a collection of college-related links and resources, including a directory of college and university homepages, testing resources, financial aid resources, research tools, and a college chat area. www. allaboutcollege. com • • All Engineering Schools Whether you're searching for bachelor's programs in engineering, master's programs in engineering, or doctoral programs in engineering or technology, or looking for an online engineering program to fit your busy schedule, this site makes it easy to find the engineering colleges that interest you. www. allengineeringschools. com • • • Any. College. Com College search engine designed to be the most user-friendly Web site available to prospective college students involved in the college search process. www. anycollege. com/aboutus. cfm - Sep 22, 2006

Internet Resources — Choosing Your College • • • • • Bob Turba's Cyber Internet Resources — Choosing Your College • • • • • Bob Turba's Cyber Guidance Office A collection of links and resources for high school students and their families, focusing on colleges, scholarship and financial aid, and career information. cyberguidance. net Bschool. com, Inc. The purpose of this site is to offer another source of information to assist future students in selecting the business education program that best suits their needs and personality. www. bschool. com Campus Crime and Security at Postsecondary Education Institutions The OPE Campus Security Statistics Web site is your direct link to reported criminal offenses for over 6000 colleges and universities in the United States. If you are thinking of attending college in a large urban city, a small liberal arts college, a specialized college, or a community college you can find their security statistics here. ope. ed. gov/security Campus Visits Information about campus visits from the College Board, including reasons to visit, and the best time to visit. www. collegeboard. com/article/0, 1120, 4 -23 -0 -72, 00. html? orig=sec campusdirt. com Created to help prospective college students make informed school choices by providing an insider's view of what life on our nation's campuses is truly like. www. campusdirt. com Campus. Tours Founded to provide an intuitive gateway to official university multimedia; currently more than two million people visit the site annually to experience college presentations. www. campustours. com

Internet Resources — Choosing Your College • • • • • Careers And Colleges Internet Resources — Choosing Your College • • • • • Careers And Colleges Features scholarship and grant databases as well as a free search for colleges and universities. www. careersandcolleges. com College Planning Provides students and families with information on college selection, admission, financial aid, and scholarships www. collegeplan. org College Planning Network (CPN) is a Seattle-based, nonprofit organization, assisting people seeking educational opportunities, and serving the Pacific Northwest. collegeplan. org College 411 Site for students and parents with questions about planning for, choosing, paying for, and making the most out of college. www. college 411. org College. Fair. tv Offers free access to a comprehensive collection of college admissions videos available on the Web. www. collegefair. tv College. Night. com College. Night is free to students, their parents, high school guidance counselors and others seeking information on colleges and universities. www. collegenight. com

Internet Resources — Choosing Your College • • • College. Quest — Thomson Peterson's Internet Resources — Choosing Your College • • • College. Quest — Thomson Peterson's Free membership offers you in-depth profiles of every undergraduate institution accredited in the U. S. www. petersons. com/ugchannel/file. asp? id=2158 • • • College. View Offers campus tours, career and minority info, and profiles of over 3, 800 universities. The Web site also offers college applications, a minority scholarship search, and college admissions information. www. collegeview. com • • • Collegiate Choice Walking Tours Videos Offers videos of student-guided college walking tours collegiatechoice. com • • • Degree-Finder. com This site can help you find courses and degree programs from trade schools and colleges. degree-finder. com • • • Degree. Wire is an online directory assisting students in finding the right school for them. www. degreewire. com

Internet Resources — Choosing Your College • • • e. Campus. Tours. com A Internet Resources — Choosing Your College • • • e. Campus. Tours. com A college planning web site that offers 360 degree virtual college tours with campus map and information about choosing a college, scholarships, student financial aid, etc. www. ecampustours. com • • • e. College. Finder. org Search e. College. Finder. org and start the exciting process of getting your online degree from an accredited online College or University today! www. ecollegefinder. org • • Ed. Ref College Search Directory A directory of more than 7, 000 U. S. colleges and trade schools, where you can find schools by name, by size of minority population, and by athletic scholarships. www. edref. com • • Education Online Search Free online college portal where you can learn about careers and the colleges offering career education and degrees for the fields you choose. The site provides a collection of career and education articles to guide you through many aspects of your search. www. education-online-search. com • • • Fair. Test — SAT Optional Colleges This site lists links to homepages of colleges that don't require the SAT for admissions. fairtest. org/optinit. htm

Internet Resources — Choosing Your College • • • • • Fast. Web Helps Internet Resources — Choosing Your College • • • • • Fast. Web Helps students make the decisions that shape their lives: choosing a college, paying for college, and finding jobs and internships. www. fastweb. com Go. College A free, flexible, and user-friendly college search engine from Cliff's. Search by region, majors, tuition, test scores, keywords, and others. "Test yourself" section provides free practice tests. www. gocollege. com Greek. Pages. com Search for sorority and fraternity chapters by the schools at which they are located. greekpages. com/schools Guidance Resource Homepage Compiled by Martha Wiseman, a retired guidance director and counselor, this site assists guidance counselors and high school students with planning for the future and other guidance issues. www. wisemantech. com/guidance Hillel — The Foundation for Jewish Campus Life The largest Jewish campus organization in the world, Hillel provides opportunities for Jewish students at more than 500 colleges and universities to explore and celebrate their Jewish identity through its global network of regional centers, campus Foundations and Hillel student organizations. www. hillel. org IPEDS College Opportunities On-Line Direct link to nearly 7, 000 colleges and universities in the United States. www. nces. ed. gov/ipeds/cool

Internet Resources — Choosing Your College • • • • • IPEDS Executive Peer Internet Resources — Choosing Your College • • • • • IPEDS Executive Peer Tool The Integrated Postsecondary Education Data System (IPEDS) Peer Analysis System is a tool designed to enable a user to compare a postsecondary institution of the user's choice to a group of peer institutions which are also selected by the user. www. nces. ed. gov/ipedspas/Expt Making It Count! Making It Count's goal is to be the nation's premier educational training and advisory organization for today's students and parents. www. makingitcount. com/students/start MSN Encarta — College Articles, tools, and advice about planning for college, choosing a college, and paying for college. encarta. msn. com/encnet/departments/college/default. aspx? page=Home My College Guide Browse the alphabetical listings, get critical advice from the Admissions Guru, read interesting articles about college life, and more. www. mycollegeguide. org National Institute for Educational Planning — NIEP Located in Irvine, California, the National Institute for Educational Planning was started to help high school students prepare for college. www. niep. com Peterson's Education Center Provides information about all levels of education, including K-12 and graduate study, as well as study abroad and distance learning. www. petersons. com

Internet Resources — Choosing Your College • • • Schools. Inthe. USA. com A Internet Resources — Choosing Your College • • • Schools. Inthe. USA. com A career and college prep resource that helps students to explore various career paths (about 1, 000) and research almost 2, 000 4 -year colleges (by name, location, field of study, certificate program, size, cost, and more). www. schoolsintheusa. com • • • Student Aid On The Web — Find the Right Colleges For You Search for schools based on location, size, degree offerings, as well as other factors. https: //studentaid 2. ed. gov/gotocollege/collegefinder • • Study. Abroad. com Comprehensive directory of study abroad programs, summer study abroad, Internship, service learning and volunteer abroad programs, intensive language programs all organized either study abroad by subject or study abroad by country or study abroad by city. www. studyabroad. com • • Talbot's Student Planning Book Talbot's is a useful resource providing connections to colleges, military programs, and financial lenders. It contains numerous articles on subjects ranging from the college selection and application process to collegiate life and financing educational costs. www. talbotsbook. com

Admissions • • • The Center For All Collegiate Information — Admissions The Admissions Admissions • • • The Center For All Collegiate Information — Admissions The Admissions page of this Web site provides a list of links to hundreds of university and college admissions departments. www. collegiate. net/infob 1. html • • • The U Offers DVDs with tours of campuses nationwide. www. theu. com • • • U. S. News and World Report — America's Best Colleges Web site version of the magazine's national college rankings. Includes a detailed school directory, interactive tools, and much more. www. usnews. com/usnews/edu/college/rankings/rankindex_brief. php • • • U 101 College Search Directory of colleges, universities, and community college web sites in the U. S. and Canada that lists over 3, 000 schools by state or province. www. U 101. com • • Vocation Schools Guide An emerging guide for students who are considering attending a vocational school, trade school, or community college in the U. S. or Canada. Students can search for programs by state or by degree program. www. vocational-schools-guide. com •

Applying to College • • Resources —Featured site Common Application The Common Application is Applying to College • • Resources —Featured site Common Application The Common Application is the recommended form of 227 selective, independent colleges and universities for admission to their undergraduate programs. Many of these institutions use the form exclusively. All give equal consideration to the Common Application and the college's own form. www. commonapp. org • • By Name | Popularity | Updated Results 1 - 20 for applying to college. Accepted An admissions consulting and application essay editing service that helps you write your essay, save time, and distinguish yourself. www. accepted. com • • • ACE — College is Possible The Coalition of America's Colleges and Universities has launched this site to direct students and their families to the best information and advice about preparing for college, choosing the right college, and paying for college. www. collegeispossible. org • • • Admissions. Consultants This site was established in 1996 to provide the best admissions counseling possible to aspiring college and graduate students. www. admissionsconsultants. com/college • • • Campus. Champs. com Student-athletes can find colleges, apply for admission, and obtain financial assistance resources. www. campuschamps. com

Applying to College • • • • • Christian. Colleges A student services Web Applying to College • • • • • Christian. Colleges A student services Web site representing the Christian colleges and universities of the National Association of Christian College Admissions Personnel (NACCAP) and the Council for Christian Colleges and Universities (CCCU). www. christiancollegementor. org College Confidential A resource of college search, admissions, and financial aid resources for students and parents. www. collegeconfidential. com College Counseling The Penn Group's staff is composed entirely of Ivy League graduates and admissions experts, all of whom strive to provide highly-effective, personalized admissions assistance. www. college-admission-essay. com/collegecounseling. html College Planning Provides students and families with information on college selection, admission, financial aid, and scholarships www. collegeplan. org College. Data Choose, prepare, apply and pay for college with advice and tools. Get college admission help and search for colleges and scholarships. www. collegedata. com College. NET Provides college search capabilities, financial aid and scholarship information, recruiting information, a 3 D campus tour, and much more. www. collegenet. com -

Applying to College • • • • • Common Application The Common Application is Applying to College • • • • • Common Application The Common Application is the recommended form of 227 selective, independent colleges and universities for admission to their undergraduate programs. Many of these institutions use the form exclusively. All give equal consideration to the Common Application and the college's own form. www. commonapp. org Education. Planner One-stop career and college planning site. The site has the information to research careers, choose a postsecondary school, apply on-line, and find ways to finance an education. www. educationplanner. com Electronic Campus Launched in January, 1998 as an "electronic marketplace" of online courses and programs from the South's colleges and universities. www. electroniccampus. org Essay. Edge — College Section According to the Web site, this has been recognized as the leading admissions essay prep site for years. www. essayedge. com/college HBCUMentor Information about America's historically black colleges and universities. www. hbcumentor. org How. Stuff. Works — College admissions Learn about the college admissions process and how to improve your chances of getting into the college of your choice. www. howstuffworks. com/college-admission. htm

Applying to College • • • my. FOOTPATH A college search and admissions site Applying to College • • • my. FOOTPATH A college search and admissions site that includes a library of free articles related to the college admissions process, as well as an "ask the counselor" feature where students and parents can submit questions. www. myfootpath. com Peterson's — Online College Applications Provides students with various online forms including an online application accepted by colleges and universities nationwide. www. petersons. com/college_apps. asp The Admissions Office This site features links to virtual tours, ratings, admission criteria, financial aid materials and scholarship opportunities of colleges and universities, and more. www. theadmissionsoffice. com Xap Student Center This site efficiently guides students through the comparison, selection, and application to admission and financial aid stages of preparing for college. www. xap. com

Internet Resources — Paying for College • • Featured sites FAFSA on the Web Internet Resources — Paying for College • • Featured sites FAFSA on the Web U. S. Department of Education Free Application for Federal Student Aid Web Site. www. fafsa. ed. gov FAFSA Made Easy This free online program guides students and parents through the process of completing and submitting the FAFSA. Video clips are available in English and Spanish. www. AIE. org/FAFSAMade. Easy - • • By Name | Popularity | Updated Results 1 - 42 for paying for college. Adventures In Education — Expected Family Contribution (EFC) Calculator to help families plan college expenses. www. AIE. org/Calculators/EFC/index. cfm • • • Adventures In Education — Scholarship Search AIE visitors can specify relevant criteria and receive a list of matching scholarships. www. AIE. org/sbase • • Apply 4 Admission. com This site is a good resource for students interested in receiving admissions and financial aid application forms from schools, colleges, and universities throughout the U. S. and the world. www. apply 4 admissions. com •

Internet Resources — Paying for College • • • • • Bob Turba's Cyber Internet Resources — Paying for College • • • • • Bob Turba's Cyber Guidance Office A collection of links and resources for high school students and their families, focusing on colleges, scholarship and financial aid, and career information. cyberguidance. net Campus. Champs. com Student-athletes can find colleges, apply for admission, and obtain financial assistance resources. www. campuschamps. com Careers And Colleges Features scholarship and grant databases as well as a free search for colleges and universities. www. careersandcolleges. com College Answer Helps prepare students and families for the world of continuing education, with pointers on the entire "Going-to-College" process and interactive tools that analyze the affordability of schools, compare financial aid award letters, and search for scholarships. www. collegeanswer. com College Board — Scholarship Database A searchable database of scholarships, loans, internships and other financial aid programs from non-college sources. apps. collegeboard. com/cbsearch_ss/welcome. jsp College Goal Sunday A free program that helps families complete the Free Application for Federal Student Aid (FAFSA) and financial aid. www. collegegoalsundayusa. org -

Internet Resources — Paying for College • • • • College Scholarships, Colleges, and Internet Resources — Paying for College • • • • College Scholarships, Colleges, and Online Degrees Designed to offer college-bound students, parents, and counselors easy access to information on colleges and universities throughout the United States, free scholarship and financial aid searches, SAT and ACT test preparation tips, and more. www. college-scholarships. com College 411 Site for students and parents with questions about planning for, choosing, paying for, and making the most out of college. www. college 411. org College. For. Texans. com The Texas Financial Aid Information Center can be reached toll-free at (888) 311 -8881, or you can visit the Texas Financial Aid Information Center Web site at this Web site. The Center is a joint effort of the Texas Higher Education Coordinating Board, Texas Guaranteed Student Loan Corporation, and the Texas Association of Student Financial Aid Administrators. www. collegefortexans. com/paying College. NET — MACH 25 Scholarship Database A database of scholarships that can be searched with the user's specified profile information; allows users to save a generated list of scholarships or even create a letter to send to scholarship coordinators. www. collegenet. com/mach 25 College. Toolkit. com This free scholarship search allows students to search through up-to-date information on thousands of scholarships (formerly Lunch-Money. com). www. collegetoolkit. com

Internet Resources — Paying for College • • • • • • Education Services Internet Resources — Paying for College • • • • • • Education Services Foundation (ESF) A collection of resources and links related to programs that help students borrow wisely esfweb. com FAFSA Made Easy This free online program guides students and parents through the process of completing and submitting the FAFSA. Video clips are available in English and Spanish. www. AIE. org/FAFSAMade. Easy FAFSA on the Web U. S. Department of Education Free Application for Federal Student Aid Web Site. www. fafsa. ed. gov Fast. Web — Scholarship Search Provides access to a database of over 275, 000 scholarships. www. studentservices. com/fastweb Federal Trade Commission — Scholarship Scams The FTC developed this Web site to help families and students avoid scholarship fraud. www. ftc. gov/bcp/conline/edcams/scholarship Financial Aid Information Provided a wide range of financial aid information, including sections devoted to sources of aid, loans, special interests, and government and school information. www. finaid. org Financing Place — College Financing This Web site includes links to finance information resources. www. financingplace. com/collegefinancing -

Internet Resources — Paying for College • • • • Funding Your Education Anyone Internet Resources — Paying for College • • • • Funding Your Education Anyone not yet enrolled in a postsecondary school should visit this Web site, an introductory publication that gives an overview of the Student Financial Assistance Programs and how to apply for aid. This site provides general information about the U. S. Department of Education's federal student financial aid programs. studentaid. ed. gov/students/attachments/siteresources/fund_ed_high. pdf Hispanic Scholarship Fund HSF provides the U. S. Latino community college scholarships and educational outreach support programs. www. hsf. net International Education Financial Aid (IEFA) IEFA is the premier resource for financial aid, college scholarship and grant information for US and international students wishing to study abroad. iefa. org Lender Fact Sheets Helps students, parents, and schools understand more about the lenders that guarantee loans through TG. Each fact sheet includes the student aid lender code, contact information, electronic processing capability, student loan statistics, and relationships with student loan servicers and loan holders. www. tgslc. org/tgslc/schlfs/new_lender. cfm? Students. And. Families=Yes Mapping Your Future — Paying for School "A guided tour of paying for school. " The tour takes you through steps you need to consider and complete when planning to pay for your education. www. mapping-your-future. org/paying -

Internet Resources — Paying for College • • • • • Minnie Stevens Piper Internet Resources — Paying for College • • • • • Minnie Stevens Piper Foundation Scholarship List The site provided by the nonprofit, charitable foundation to support charitable, scientific, or educational undertakings; dedicated to making higher education accessible to financially limited but worthy students; provides information about financial aid, scholarships, and much more. www. window. state. tx. us/scholars/aid/faidalpha. htm MSN Encarta — College Articles, tools, and advice about planning for college, choosing a college, and paying for college. encarta. msn. com/encnet/departments/college/default. aspx? page=Home NCAA — Scholarship Search The NCAA provides links for students interested in athletics-related scholarships. More than sports are included — the NCAA even offers scholarships for students interested in writing about sports! www. ncaa. org/about/scholarships. html Peterson's — Scholarship Search Peterson's Scholarship Search asks visitors to offer a profile and then matches responses to available scholarships. www. petersons. com/ss/code/prompt. asp Princeton. Review. com — Scholarship Search The Princeton Review's search offers personalized advice that matches where you are in the admissions process. www. princetonreview. com/finance/articles/scholarsearch. asp Project Grad Program provides comprehensive, cost-effective assistance to improve the academic achievement of students from low-income backgrounds. www. projectgrad. org -

Internet Resources — Paying for College • • • • Scholarship Hunter A free Internet Resources — Paying for College • • • • Scholarship Hunter A free scholarship search site that also offers financial aid advice and application tips. No registration is required. www. scholarshiphunter. com - Scholarship Resource Network — Scholarship Search SRN provides an overview of financial aid resources available to students with a special focus on scholarships. www. srnexpress. com - Scholarship. Experts. com Free and trusted scholarship search engine. Since 2003, Scholarship. Experts has been named, "The best scholarship search tool" by Forbes. com. www. scholarshipexperts. com Scholarship. Help. org The goal of this Web site is to educate students about scholarship access and the necessary requirements for achieving maximum financial aid. In addition, it provides information free of charge to help students avoid scholarship scams and misleading financial aid information. www. scholarshiphelp. org - Student Guide A comprehensive resource on student financial aid from the U. S. Department of Education. Grants, loans, and work-study are three major forms of student financial aid available through the federal Student Financial Assistance Programs. Updated each award year, This publiction describes the programs and how to apply for them. studentaid. ed. gov/students/attachments/siteresources/Stud_guide. pdf -

Internet Resources — Paying for College • • • • Student. Awards. com is Internet Resources — Paying for College • • • • Student. Awards. com is devoted to helping high school seniors, university and college students find information on scholarships, bursaries, grants and other forms of financial assistance. www. studentawards. com TERI (The Education Resources Institute) TERI, The Education Resources Institute, promotes educational opportunities for all people of all ages and backgrounds www. tericollegeaccess. org/index. html TG — For Families & Students Student and family information and resources is provided by TG, a non-profit loan guarantor and sponsor of AIE. www. tgslc. org/students/index. cfm - The "I Have A Dream" Foundation Helps children from low-income areas reach their educational and career goals by providing mentoring, tutoring, and enrichment opportunities. www. ihad. org United Negro College Fund — Scholarships The UNCF Web site contains information on thousands of scholarships and grants, some of which are administered by the UNCF. www. uncf. org/scholarships -

Internet Resources — Managing Your Money • • Featured site First. Gov for Consumers Internet Resources — Managing Your Money • • Featured site First. Gov for Consumers — Your Money Provides consumer information from the federal government and displays links to federal information resources. It is designed so that you can locate information by category: Banking, Buying Smart, Consumer Expenditure, Consumer Protection, Credit, Identity Theft, and Investor Education, as well as information about consumer scams. www. consumer. gov/yourmoney. htm - • • By Name | Popularity | Updated Results 1 - 23 for managing your money. Consolidated Credit Counseling — Managing Your Money This section of the site from a Consolidated Credit Counseling Services Web site offers help in creating and following a budget. www. consolidatedcredit. org/create_budget. asp - • • Debt. Advice. org is designed to help consumers understand how to use credit and to locate a certified counselor if they are in need of assistance. The site is provided by the members of the National Foundation for Credit Counseling, most of them known as Consumer Credit Counseling Service (CCCS). www. debtadvice. org Federal Citizen Information Center This Web site lets visitors order hundreds of low-cost publications about everything from your home and car to financial planning for college. Some publications are available for free in PDF. www. pueblo. gsa. gov - • •

Internet Resources — Managing Your Money • • • • Finance FREAK. com Created Internet Resources — Managing Your Money • • • • Finance FREAK. com Created by a former teacher and graphic designer, this site provides students with tips on managing money. www. financefreak. com First. Gov for Consumers — Your Money Provides consumer information from the federal government and displays links to federal information resources. It is designed so that you can locate information by category: Banking, Buying Smart, Consumer Expenditure, Consumer Protection, Credit, Identity Theft, and Investor Education, as well as information about consumer scams. www. consumer. gov/yourmoney. htm Investor's Clearinghouse This site from the Alliance for Investor Education offers information about investing, financial planning, scams, and more. www. investoreducation. org - Investor. Words. com Comprehensive investment glossary that lets visitors browse through thousands of definitions and features a "Term of the Day. " www. investorwords. com - Jump$tart's purpose is to evaluate the financial literacy of young adults; develop, disseminate, and encourage the use of standards for grades K-12; and promote the teaching of personal finance. www. jumpstartcoalition. org -

Internet Resources — Managing Your Money • • • • • Kids. Bank. com Internet Resources — Managing Your Money • • • • • Kids. Bank. com This tutorial site, a service of Sovereign Bank, explains the fundamentals of money and banking to children using interesting graphics, calculators, and quizzes. www. kidsbank. com Mapping Your Future — Ten Steps to Financial Fitness This feature is aimed at educating high school and college students about personal finance. www. mapping-your-future. org/features/dmtensteps. htm - Money — Money 101 A step by step guide to gaining control of your financial life. money. cnn. com/pf/101 - Money Management International (MMI) is a nonprofit, community service organization that provides professional financial guidance, counseling, community-wide educational programs, and debt management assistance. www. moneymanagement. org - Money. Matters. com — Tools The Tools section of this Web site from Hanson Mc. Clain Retirement Planning provides more than 40 online calculators in the Tools section. www. moneymatters. com/tools. shtml - Morningstar — Personal Finance and Investing This site offers information about 401(k), 403(b), 457, and IRA retirement plans. www. morningstar. com/Cover/Personal. Finance. html -

Internet Resources — Managing Your Money • • • • MSN Money Central — Internet Resources — Managing Your Money • • • • MSN Money Central — Budgeting and Family Finances Savings and debt tools to help visitors analyze how they manage their money and learn how to improve their skills. www. moneycentral. msn. com/smartbuy/home. asp Postsecondary Education English-Spanish Glossary A consistent and easy-to-use resource to help translate English higher education and student financial aid materials into Spanish. www. tgslc. org/pdf/Spanish_Glossary. pdf Smart. Money University From Dow Jones and Company and Hearst Communications, this site offers online courses including "Investing 101" and "Taking Action" www. smartmoney. com/university - Smart. Money University — Glossary An alphabetized list of terms relating to money and finance issues, in some cases including links to additional terms and articles. www. smartmoney. com/university/glossary Students. gov A cooperative effort between federal agencies, students, and other parts of the education community, this site's mission is to provide students and families with a student-centered gateway to federal services and information from across the entire U. S. government and selected non-government sites. www. students. gov -

Internet Resources — Managing Your Money • • • TG — For Borrowers The Internet Resources — Managing Your Money • • • TG — For Borrowers The "For Borrowers" section of this site from TG offers information and resources to help borrowers simplify repayment. It includes easy-tounderstand explanations of delinquency and default, a list of the Top 10 Ways to Avoid Default, frequently asked questions, and other valuable information. www. tgslc. org/borrowers Vanguard Group — Planning and Advice The Planning and Advice section of this site includes "how-to" information to help visitors learn about investing, including topics such as "Economics 101 for Investors" and "Mutual Fund Basics. " flagship 3. vanguard. com/VGApp/hnw/Planning. And. Advice - Young Investor Sponsored by Fleet Bank, this site teach students about investing through articles, games, and puzzles. www. younginvestor. com - Youngbiz. com This site offers teenager perspective on business, tracks the performance of stocks that teens are familiar with, and features articles about student investors, student-run businesses, and career planning advice. www. youngbiz. com -

Internet Resources — Getting Hired • • • • • Featured site Occupational Outlook Internet Resources — Getting Hired • • • • • Featured site Occupational Outlook Handbook A site provided by the Bureau of Labor Statistics to provide information about the U. S. job market, particular career areas, employment statistics, and employment projections for up to 10 years. www. bls. gov/oco - By Name | Popularity | Updated Results 1 - 23 for getting hired. America's Job Bank A computerized network that links state employment service sites; provides employers with national job exposure and job seekers with a pool of active job opportunities. www. ajb. dni. us - Black Collegian Online The electronic version of the 27 -year old magazine; provides career planning and job search information for students and professionals of color. black-collegian. com - Campus Program A comprehensive career development site for college students, with resources from helping you find a program of study, to choosing a major, and to finding employment after graduation www. campusprogram. com Career. Builder. com A service that allows employees to search for employment openings, post their resumes, research employer profiles, and more; allows employers to post openings and search the site's database for potential employees. www. careerbuilder. com

Internet Resources — Getting Hired • • • • • Career. Info. Net Provides Internet Resources — Getting Hired • • • • • Career. Info. Net Provides an integrated suite of national Web sites that help businesses, job seekers, students, and workforce professionals find employment and career resources. www. careerinfonet. org College. Grad. com features a job search engine and as well as resume and cover letter help. collegegrad. com craigslist Seeks to provide a trustworthy, efficient, and relatively non-commercial resource for local areas, including local job listings. www. craigslist. org - E-Resume. net E-resume. net is a national resume writing service company that combines personalized attention with the speed of the Internet to deliver professional resumes. e-resume. net Groove. Job. com A job board designed specifically for part time, hourly, and seasonal jobs. www. groovejob. com - Health. Opps Dedicated to the career planning and employment needs of the healthcare community. www. healthopps. com -

Internet Resources — Getting Hired • • • • Higher. Ed. Jobs. com The Internet Resources — Getting Hired • • • • Higher. Ed. Jobs. com The job search site for people seeking employment in higher education (faculty, administrative, executive, and part-time). Search listings by job category, state, or institution. www. higheredjobs. com - Job Finder Advisory This site provides free tips to help you search for a job, plan and write your resume, prepare for a job interview and even includes advice to help you choose the career path that is right for you. www. jobfinderadvisory. com Job. Bank USA Specializes in providing career information -- including job and resume database services -- to job candidates, employers, and recruitment firms in the U. S. and worldwide. www. jobbankusa. com/search. html - Library of the Workplace This site offers a storehouse of information about the working world, especially about how work relates to a variety of academic studies. It answers a question often asked by students: "Why do I have to learn this? " cord. org/workplacelibrary - Microsoft Office Online — Resume Templates Need a template to get your resume started? Microsoft Office Online provides many different styles of resume templates for you to download. office. microsoft. com/en-us/templates/CT 063470421033. aspx -

Internet Resources — Getting Hired • • • • Microsoft Office Online — Cover Internet Resources — Getting Hired • • • • Microsoft Office Online — Cover Letter Templates Need help writing a cover letter for a job application? Microsoft Office Online provides many different styles of cover letter templates for you to download. office. microsoft. com/en-au/templates/CT 063470371033. aspx Monster Track Provides information for job seekers, including resources, fun and games, chats, and message boards. campus. monster. com - O*Net Online Find occupations using keywords, or by browsing Job Families, High Growth industries, or O*NET Descriptors. online. onetcenter. org - Occupational Outlook Handbook A site provided by the Bureau of Labor Statistics to provide information about the U. S. job market, particular career areas, employment statistics, and employment projections for up to 10 years. www. bls. gov/oco - Resume. Edge. com Certified resume writers provide comprehensive writing and design advice along with over 100 sample resumes. resumeedge. com/professionals/resumeadvice -

Internet Resources — Getting Hired • • • Salary. com One of the most Internet Resources — Getting Hired • • • Salary. com One of the most widely recognized destinations for those seeking reliable information about employee pay levels and compensation-related best practices, trends, and policies. www. salary. com - SALUDOS. com Promotes Hispanic careers and education. Includes national job listings, a resume pool, an education center, a career index, and more. www. saludos. com - Work. In. Texas. com A listing of all state agency job openings in Texas; searchable by region, type of work, salary, and education level, and provides specific information on how and where to apply for the openings. www. twc. state. tx. us/job. html -

State Education Resources States and territories Alabama | Alaska | Arizona | Arkansas | State Education Resources States and territories Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | District of Columbia | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Puerto Rico | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming

State Education Resources • • Managing Credit and Debt Know the consequences of credit State Education Resources • • Managing Credit and Debt Know the consequences of credit card usage. Soon after enrolling in college you were probably swamped with credit card offers boasting low introductory interest rates and other gifts and rewards for applying. Although getting a credit card is tempting, there are many things that you should be aware of that can have negative long-term effects on your financial well-being. The resources on this page can help you become a responsible credit card user. • Pizza Cravings and Credit Cards • It's tempting to get a credit card when you're pressured almost daily to apply for one. However, credit card companies don't give you the entire picture when they're trying to get your business. Do you know the real cost of items purchased on a credit card? Watch this short video to find out.

Managing Credit and Debt • • Credit Card Skills Builder* Are you card smart? Managing Credit and Debt • • Credit Card Skills Builder* Are you card smart? Go on a virtual shopping spree with the interactive • Credit Card Skills Builder to learn how credit cards work. • The interactive resource also features a credit card glossary and demonstrates how long it will take to pay off a credit card bill by only making monthly minimum payments.

Managing Credit and Debt • • • Reading a Credit Card Statement* Credit card Managing Credit and Debt • • • Reading a Credit Card Statement* Credit card statements are notoriously difficult to understand. They are filled with strange terms, numbers, and percentages that can add up to hefty fees, penalties and rising interest rates that even the most experienced credit card user might not understand. AIE's interactive credit card statement explains the terms commonly included on a real statement

Managing Credit and Debt • Credit Card Debt - A Student's Story • It's Managing Credit and Debt • Credit Card Debt - A Student's Story • It's easy to develop bad spending habits in college when you use a credit card for purchases. In this video, a college graduate explains how living like a professional and accumulating debt while in college forced her to live like a student when she got out. Watch the video to hear her story •

Managing Credit and Debt • To learn more about avoiding credit card debt, visit Managing Credit and Debt • To learn more about avoiding credit card debt, visit the links below: • Credit Card Repayment Table – Use this chart to compare how long it will take to pay off a credit card by making monthly minimum payments vs. paying 10% a month. redit Card Terminology – • It's important to be familiar with all of the terms used in credit card offers and statements to avoid getting deep into credit card debt. Here's a list of commonly used credit card terms with their definitions. Credit Card Suggestions – • • For an increasing number of students, credit cards are a necessary accessory. It is important to follow certain guidelines to be responsible credit card users. Credit Scores and Reports – Just like a report card or resume, a credit report is used to gauge an individual's financial performance. Select this link to learn more. Did you know? Most college students get their first credit card by the fall of their freshman year. More than 80 percent of college students have at least one credit card. College freshmen who have credit cards tend to double their debt by their senior year. *Credit Card Skills Builder and Reading a Credit Card Statement require the Flash Player. If you do not have Flash Player on your computer, you can get it for free from Adobe.

Repaying Your Student Loan • • • • • Prepare to pay back your Repaying Your Student Loan • • • • • Prepare to pay back your loans before you graduate. If you borrow money to help pay for your education, you will have to pay it back — just like you would any loan. That's true even if you don't graduate, can't find a job, or don't think the education you received was good enough. Think seriously about student loans ahead of time Take steps before you borrow money that will help you avoid default later Find out about repayment guidelines Talk to a lender or to someone in TG's Financial Aid Assistance center about the terms of a loan Planning for repayment can help you avoid problems later. Keep in touch If you borrow, keep in touch with your lender, especially if personal circumstances change. Lenders are often willing to work with borrowers to make repayment possible and easier. You may be eligible for consolidation programs or deferment/forbearance plans. Contact your lender if you: Leave school Change schools Change graduation dates Graduate Change your enrollment status from full-time to less than half time Change deferment status Change your name, address, or phone number Have trouble making your loan payment. Need more info? If you have questions about repaying your student loan, ask the experts at (800) 845 -6267, or send an e-mail message to cust. [email protected] org.

Loan Forgiveness • • • • Discover ways to help you erase your debt Loan Forgiveness • • • • Discover ways to help you erase your debt faster. Loan forgiveness programs make borrowing money for education expenses an even better deal for some students. By following the guidelines set up for each program, some student borrowers can wipe out their debt over a shorter period of time Many loan forgiveness programs, such as the ones listed below, require some kind of service. Visit the Web sites of these programs for more information: Peace Corps (www. peacecorps. gov) Ameri. Corps (www. americorps. org) Volunteers in Service to America (www. friendsofvista. org) Teacher loan forgiveness programs Loan forgiveness programs are available for teachers who meet certain requirements. For instance, Stafford and Perkins Loan borrowers can have their loans forgiven by teaching in schools that serve low-income students, and meet other criteria. Up to $5, 000 ($17, 500 for secondary math or science, or elementary or secondary special education teachers) of the amount borrowed in Stafford Loans, and up to 100 percent of the amount borrowed in Perkins Loans, may be canceled for a teacher who meets the requirements over a five-year period. For more information about loan forgiveness, contact TG Customer Assistance at (800) 845 -6267. Talk to administrators in the school district where you're interested in teaching to see if you qualify for loan forgiveness. For more information. . . Ask your school's financial aid office for information about resources to help you find out how you can be qualify to have your loans forgiven Information about state loan forgiveness programs is also available by talking to the TG's experts via phone at (800) 845 -6267, or e-mail cust. [email protected] org.

Handouts • Print these educational handouts to assist students and parents. – College Campus Handouts • Print these educational handouts to assist students and parents. – College Campus Visit Tips Helpful information for prospective students planning to visit colleges – College Loan Repayment Chart Find out student loan monthly repayment cost over a 10 -year period – Credit Card Repayment Table – Compare how long it will take to pay off a credit card by making monthly minimum payments vs. paying 10% a month – Daily Schedule Planner A sample plan to help students organize their time Also available as an editable Word file – High School Course Planner This chart helps students organize their course selection and credits required. Also available as an editable Word file – Junior Summer Checklist A list of recommendations for High School Juniors to maximize their Summer time planning for senior year and college – Letter Of Recommendation Use this form to request a written letter of recommendation from your counselor or teacher. Also available as an editable Word file – Senior Information Form This form will assist High School Seniors in providing guidance counselors with necessary information regarding their future education. Also available as an editable Word file.

Handouts – Senior Spring Checklist – An important reminders list for High School Seniors Handouts – Senior Spring Checklist – An important reminders list for High School Seniors in Spring semester (Jan-May) – Spring Senior Parent Night Questions – Great questions for parents of graduating High School Seniors – Summer Checklist – Suggestions for High School students to help them stay on track for college over Summer break. – Testing Schedule Fall 2008 – College admissions test schedule for September through December 2008 – Testing Schedule Spring 2009 – College admissions test schedule for January through June 2009

Frequently Asked Questions — Paying • • • • • Categories: Careers | Planning Frequently Asked Questions — Paying • • • • • Categories: Careers | Planning | Choosing | Applying | Paying | Jobs Questions about paying How do I apply for financial aid? What are the eligibility criteria for obtaining federal financial aid? What is campus-based aid? What if my income (or my parents' income) changes significantly after I apply for financial aid? What are the pros and cons of a Federal Consolidation Loan? What does default on a student loan mean? What does delinquent mean? How do I find a lender for my student loan? How can I get a grant or scholarship? How much can I borrow under the federal Stafford Loan program? What should I do if I cannot make a payment on my student loan? What are the conditions for cancellation or discharge of a federal student loan? What is the difference between a subsidized Stafford loan and an unsubsidized Stafford loan? Is it possible to have my loan payments automatically withdrawn from my bank account? Do I still need to make loan payments if my coupon booklet runs out?

Frequently Asked Questions — Paying • • • How can I estimate what my Frequently Asked Questions — Paying • • • How can I estimate what my monthly payment will be on my Stafford loan? What is a federal Perkins loan? How much can I borrow in the Perkins loan program? Do guarantors (such as TG) report borrowers to credit bureaus for delinquency on student loan accounts? What is the maximum repayment period for my federal Stafford loan? When do I start making payments on my federal Perkins loan? When do I start making payments on my federal Stafford loan? If I choose to use student loans to finance my higher education, what do I need to know? Does the government subsidize the interest on a Perkins loan? What determines financial need? What is satisfactory academic progress, or SAP? Should I look for a job now to pay for college?

Answers • • How do I apply for financial aid? The first step in Answers • • How do I apply for financial aid? The first step in applying for any type of financial aid is to complete the Free Application for Federal Student Aid (FAFSA). You can submit the FAFSA online by going to http: //www. fafsa. ed. gov. Once this form is processed, you will receive either a paper Student Aid Report(SAR) from the U. S. Department of Education or if you provided a valid e-mail address, you will receive a SAR through e-mail. The SAR will contain your Expected Family Contribution (EFC), which is the amount your family is expected to contribute toward your education. The school(s) that you listed on the FAFSA should also receive this information electronically. The financial aid office will then use it to award you an aid package. This package may include a mix of grants, loans, and other types of aid, depending on your eligibility. In this package, the school will indicate whether you are eligible to receive the Federal Stafford Loan. If you are eligible, the school will certify a loan amount for you and provide you with any additional instructions needed for completing the Master Promissory Note (MPN). Back to top What are the eligibility criteria for obtaining federal financial aid? TG helps administer the Federal Family Education Loan Program(FFELP) by issuing loan guarantees on Stafford, PLUS and Consolidation Loans to eligible lending institutions. In order to apply for financial aid, students must first complete the Free Application For Federal Student Aid(FAFSA) at www. fafsa. ed. gov. Once the school receives this information via the Student Aid Report(SAR), it can then determine which types of financial aid (including federal loans) its' students are eligible to receive. The school will then send award notifications to students along with instructions about how to apply. Some of the qualifications for federal financial aid include the following. You must: – Have financial need (except for unsubsidized student loans) – Have a high school diploma or a General Education Development Certificate (GED) or meet standards approved by the U. S. Department of Education – Be enrolled as a regular student working toward a degree or certificate in an eligible program – Be a U. S. citizen or eligible non-citizen – Have a valid Social Security Number – Make satisfactory academic progress – Sign a statement of educational purpose/certification statement on refunds and default (found on the SAR) – Sign a statement of updated information, if required (found on the SAR) – Register with the Selective Service, if required Students should contact their financial aid office directly if there any questions about the different types of financial aid offered to them by their school

Answers • • Back to top What is campus-based aid? Campus-based aid programs are Answers • • Back to top What is campus-based aid? Campus-based aid programs are administered directly by the financial aid office at participating schools. Not all schools are involved with all three programs. The Federal Supplemental Educational Opportunity Grant (FSEOG) Program awards grants, the Federal Work-Study (FWS) Program offers jobs, and the Federal Perkins Loan (Perkins) Program offers loans. Each participating school receives a limited amount of funds for the program(s), so make sure to apply with the FAFSA early! Back to top What if my income (or my parents' income) changes significantly after I apply for financial aid? A financial aid administrator may use professional judgement to adjust the data used in determining a student's EFC, if extenuating family circumstances may cause the data to yield an EFC that wouldn't accurately reflect the family's ability to contribute to the student's education. You should discuss the change in your circumstances with the financial aid office at your daughter's school to see if the EFC can be altered. Back to top

Answers • • What are the pros and cons of a Federal Consolidation Loan? Answers • • What are the pros and cons of a Federal Consolidation Loan? Loan consolidation is an option that most student loan borrowers consider at some point over the life of their loans. And while the reasons why a borrower may choose to consolidate vary, most borrowers consolidate in order to: – Combine multiple loan balances under a single lender, so that the borrower has to make only one monthly payment – Lock in a fixed interest rate for the entire repayment period of the loan. Remember, however, that you are not required to consolidate your loans. It is a decision that you should consider seriously. A borrower seeking a Consolidation loan consolidate several different types of federal education loans. The types of loans that you may include in a Consolidation loan are: – FFELP loans (Stafford, PLUS, SLS, and prior Consolidation loans) – FDLP loans (Stafford, PLUS, and prior Consolidation loans) – FISL loans – Perkins loans (formerly National Student Defense Loans) – Health Professions Student Loans (HPSL), including Loans for Disadvantaged Students (LDS) – Nursing Student Loans (NSL) – Health Education Assistance Loans (HEAL) Note: There may be disadvantages to including a Perkins loan in a Consolidation loan. Please visit http: //www. tgslc. org/borrowers/consol_faq. cfm for more information about this topic. In order to qualify for a Federal Consolidation loan, you must be in your grace period or have entered repayment on each loan that is selected for consolidation. Note: Effective July 1, 2006, a borrower may no longer request to enter repayment on his or her Stafford loan(s) while still enrolled in school in order for the borrower to consolidate those loans. Back to top

Answers • • What does default on a student loan mean? When a borrower Answers • • What does default on a student loan mean? When a borrower is 270 days or more delinquent in making payments on his or her student loan, the borrower is considered to be in default. Once a borrower is in default, the lender may file a default claim with the guarantor of the loan. Provided that the lender has met applicable federal servicing requirements, the guarantor will pay the lender for the default claim. Once the guarantor has paid the lender’s default claim, the guarantor becomes the holder of the loan and is responsible for collecting on the loan on behalf of the federal government. If the borrower fails to comply with a voluntary repayment schedule in order to rehabilitate the defaulted loan, the guarantor can implement collection activities that include the following: – administrative wage garnishment – assessment of collection costs – assignment of account to collection vendors – credit reporting – loss of financial aid eligibility – seizure of Texas lottery winnings – reimbursements (warrants) from the Texas State Comptroller may be withheld – suspension or denial of state licensing (including professional and handgun licensing) – holds on transcripts and academic records – seizure of any U. S. Treasury payments the borrower is due (including, but not limited to, the borrower’s IRS tax refund). For additional information on the consequences of default, visit AIE's "Consequences of Default" page. Back to top • • • What does delinquent mean? This is when the monthly payment on a loan is past due. Back to top •

Answers • • How do I find a lender for my student loan? Students Answers • • How do I find a lender for my student loan? Students applying through the FFELP choose their own lender. Many schools include a suggested list of lenders in the award letter they send to students explaining financial aid eligibility. To obtain additional assistance locating a lender, contact the bank or credit union with which you do business to find out if they participate in the FFELP, or the guarantor of your federal Stafford or federal PLUS loan (the guarantee agency should be listed on the application/promissory note). • • Also, TG's Lender Fact Sheets help students, parents, and schools understand more about the lenders that guarantee loans through TG. Back to top • • How can I get a grant or scholarship? To determine eligibility for a federal grant or state grant, complete the Free Application for Federal Student Aid (FAFSA). Copies of the application can be obtained from the financial aid department at your school or by calling the Federal Student Aid Information Center at (800) 4 FED AID. To determine your eligibility for a scholarship, access the AIE Scholarship Search. Not all scholarship awards are determined by academic achievement. You should also contact the school you are interested in attending to see if you qualify for any aid they offer. Your local library may also have information on grants and scholarships. Students can also check the local paper for scholarship opportunities offered by civic organizations, etc in addition to the library resource. Back to top •

Answers • • • How much can I borrow under the federal Stafford Loan Answers • • • How much can I borrow under the federal Stafford Loan program? Please refer to the following for information on Stafford loan limits: ANNUAL FEDERAL STAFFORD LOAN LIMITS: Type of Student: Dependent Undergraduates (Except Students Whose Parents Cannot Borrow PLUS): – 1 st year: $5, 500 – no more than $3, 500 of this amount may be subsidized – 2 nd year: $6, 500 – no more than $4, 500 of this amount may be subsidized – 3 rd and beyond: $7, 500 – no more than $5, 500 of this amount may be subsidized – – – Independent Undergraduates and Students Whose Parents Cannot Bororow PLUS: 1 st year: $9, 500 – no more than $3, 500 of this amount may be subsidized 2 nd year: $10, 500 – no more than $4, 500 of this amount may be subsidized 3 rd and beyond $12, 500 – no more than $5, 500 of this amount may be subsidized • • • Graduate and Professional Students: Per year: $20, 500 – no more than $8, 500 of this amount may be subsidized In addition, graduate students may receive additional money under the Grad PLUS loan program. ** Professional students of medicine, dentistry and/or optometry may qualify for an additional $20, 000 per academic year in unsubsidized Stafford loans. AGGREGATE FEDERAL STAFFORD LOAN LIMITS: Dependent Undergraduates (Except Students Whose Parents Cannot Borrow PLUS): $31, 000 - no more than $23, 000 of this amount may be subsidized Independent Undergraduates and dependent undergraduates whose parents are unable to borrow under PLUS: $57, 500 - no more than $23, 000 of this amount may be subsidized Graduate and Professional Students: $138, 500 - no more than $65, 500 of this amount may be subsidized Professional Student of Medicine, Dentistry and Optometry: $224, 000 - no more than $65, 000 of this amount may be subsidized Back to top

Answers • • • 11. What should I do if I cannot make a Answers • • • 11. What should I do if I cannot make a payment on my student loan? You should contact your lender, servicer, or TG to discuss your situation. We might be able to help you. Deferment and forbearance options are available to temporarily suspend your loan payments if you are enrolled in school at least half-time, unemployed, or experiencing financial hardship. Certain members of the military may also qualify for a deferment. You can visit our Web site at www. tgslc. org/borrowers/helpful. cfm to gather additional information about repayment options or to download the applicable applications. You can also call TG's Default Prevention Department at (800)338 -4752 to discuss your situation and find out about alternative repayment schedules that might make it easier to afford your monthly payments. If you need to find out contact information for your lender or servicer, you can go to TG's Student Loan Inquiry page. Back to top 12. What are the conditions for cancellation or discharge of a federal student loan? The following conditions allow cancellation or discharge of Direct and FFEL Program loans (contact the loan holder for specific requirements): – Borrower's total and permanent disability or death – In case of PLUS loan borrowed on behalf of a dependent student, death of student – Closed School (before student could complete program of study) or False Loan Certification for loans received on or after January 1, 1986 – Bankruptcy (in some rare cases) – Cases of fraud, false identification, or theft – Teacher loan forgiveness For Perkins loans, refer to the chart available from Mapping Your Future. Back to top

Answers • • • 13. What is the difference between a subsidized Stafford loan Answers • • • 13. What is the difference between a subsidized Stafford loan and an unsubsidized Stafford loan? After the FAFSA is processed, the school(s) that the student has chosen will receive the expected family contribution(EFC)figure from the U. S. Department of Education. It can then determine whether or not a student is eligible for a need-based Federal Subsidized Stafford loan. If the student does receive a federally subsidized loan, the government will pay the interest to the lender that accrues during the in-school, grace and authorized deferment periods on the borrower's behalf. If the student is not eligible for a need-based loan, the school can then opt to certify a Federal Unsubsidized Stafford loan. In addition to the principal, the borrower will be responsible for paying all the interest that accrues over the life of an unsubsidized loan. However, if the student is unable to make quarterly interest payments while enrolled in school, he or she can direct the lender to add the accrued interest to the loan principal. This will make the balance that has to be repaid increase, so it is always best to make the interest payments on an unsubsidized loan while enrolled in school, if possible. Back to top 14. Is it possible to have my loan payments automatically withdrawn from my bank account? Yes, most lenders and/or servicers do offer an Auto Withdraw of the monthly payment from your bank account. Contact the institution servicing your student loan(s) about how to set it up. Back to top 15. Do I still need to make loan payments if my coupon booklet runs out? Yes, remember that you are financially responsible for your loan and timely payments are important not only to your lender/servicer, but to your credit history as well. If your coupon booklet runs out, then request a new one by contacting your lender/servicer, but always keep the payment address on file and send your monthly payment regardless of whether or not you have payment coupons. Also it is a good idea to include your account number on all payments made to your lender/servicer. Back to top

Answers • 16. How can I estimate what my monthly payment will be on Answers • 16. How can I estimate what my monthly payment will be on my Stafford loan? • There are four repayment plans for federal education loans. They are the standard, extended, graduated, and income sensitive repayment plans. All four plans are available for student loans, but only the first three are available for parent loans. See below for details of the plans. • Standard Repayment Plan — If you choose this plan, you will make fixed monthly payments and repay your loan in full within 10 years (not including periods of deferment or forbearance) from the date the loan entered repayment. Payments must be at least $50 a month and will be more, if necessary, to repay the loan within the required time period. • Extended Repayment Plan — If you choose this plan, you will make monthly payments based on fixed annual or graduated repayment amounts over a period not to exceed 25 years. Payments must be at least $50 a month and will be more, if necessary, to repay the loan within the required time period. You are eligible for this plan if (i) at the time you sign this Note you have no outstanding balance on a FFELP loan made before October 7, 1998, and (ii) you accumulate outstanding FFELP loans exceeding $30, 000. • Graduated Repayment Plan — If you choose this plan, you will usually make lower monthly payments at first, and your payments will increase over time. No single payment will be more than three times greater than any other payment. Income-Sensitive Repayment Plan — If you choose this plan, your monthly payments will be adjusted annually, based on your expected total monthly gross income from all sources. You may call your lender at any time for more information about this repayment plan option. • • Contact TG's Default Prevention Department at 800 -338 -4752 or your lender for additional information. You can access AIE's loan repayment calculator at http: //aie/College/Calculators/Loan/index. cfm. Back to top

Answers • • • 17. What is a federal Perkins loan? A Federal Perkins Answers • • • 17. What is a federal Perkins loan? A Federal Perkins Loan is a low-interest (5 percent) loan for both undergraduate and graduate students with exceptional financial need as determined by the school's financial aid office. The school acts as the lender and you will make payments to it directly once you enter repayment. The loan is made using government funds with a share contributed directly by the school. You can find out more about this loan program and other types of campusbased aid on the U. S. Department of Education's Web site at http: //studentaid. ed. gov/PORTALSWeb. App/students/english/campusaid. jsp? tab=funding. Back to top 18. How much can I borrow in the Perkins loan program? Depending on when you apply, your level of need, and the funding level of the school (remember to apply with the FAFSA early), you can borrow up to: – $4, 000 for each year of undergraduate study. The total you can borrow as an undergraduate is $20, 000. – $6, 000 for each year of graduate or professional study. The total you can borrow as a graduate/professional student is $40, 000. That includes any Perkins loans you borrowed as an undergraduate. Back to top 19. Do guarantors (such as TG) report borrowers to credit bureaus for delinquency on student loan accounts? Federal regulations require your lender to report information on each FFELP loan it makes or holds to at least one national credit bureau. In addition, your guarantor will report each loan it purchases as a default claim (i. e. , a loan that the guarantor has acquired because the borrower has failed to make installment payments when due for a period of at least 270 days) to all national credit bureaus. If you are diligent about making your loan payments in a timely manner, it can have a positive effect on your credit history. Conversely, if you are negligent about keeping up with your monthly payment, it can adversely affect your credit history and your ability to obtain credit in the future. For a list of some of the major consequences of default, go to www. tgslc. org/borrowers/conseque. cfm. To obtain information about what is being reported on your credit report, you can visit the major credit bureaus’ websites at www. experian. com, www. equifax. com, and www. transunion. com. Back to top

Answers • 20. What is the maximum repayment period for my federal Stafford loan? Answers • 20. What is the maximum repayment period for my federal Stafford loan? • • There are four repayment plans for federal education loans. They are the standard, extended, graduated, and income sensitive repayment plans. All four plans are available for student loans, but only the first three are available for parent loans. See below for details of the plans. Standard Repayment Plan — If you choose this plan, you will make fixed monthly payments and repay your loan in full within 10 years (not including periods of deferment or forbearance) from the date the loan entered repayment. Payments must be at least $50 a month and will be more, if necessary, to repay the loan within the required time period. Extended Repayment Plan — If you choose this plan, you will make monthly payments based on fixed annual or graduated repayment amounts over a period not to exceed 25 years. Payments must be at least $50 a month and will be more, if necessary, to repay the loan within the required time period. You are eligible for this plan if (i) at the time you sign this Note you have no outstanding balance on a FFELP loan made before October 7, 1998, and (ii) you accumulate outstanding FFELP loans exceeding $30, 000. Graduated Repayment Plan — If you choose this plan, you will usually make lower monthly payments at first, and your payments will increase over time. No single payment will be more than three times greater than any other payment. Income-Sensitive Repayment Plan — If you choose this plan, your monthly payments will be adjusted annually, based on your expected total monthly gross income from all sources. You may call your lender at any time for more information about this repayment plan option. Contact TG's Default Prevention Department at 800 -338 -4752 or your lender for additional information. You can access AIE's loan repayment calculator at http: //www. adventuresineducation. org/college/ccs_calc. cfm Back to top • 21. When do I start making payments on my federal Perkins loan? • Repayment begins nine months after either a student graduates or ceases to be enrolled at least half-time. This 9 -month window before repayment begins is called a grace period. Federal Perkins Loans are repayed directly to the school. You can get additional information about the Federal Perkins Loan program on the U. S. Department of Education's Web site at http: //studentaid. ed. gov/PORTALSWeb. App/students/english/campusaid. jsp? tab=funding. Back to top • • •

Answers • • 22. When do I start making payments on my federal Stafford Answers • • 22. When do I start making payments on my federal Stafford loan? The repayment period on a Federal Stafford Loan begins no later than 60 days following the last day of the grace period. This one-time grace begins when you cease to be enrolled at least half-time (i. e. graduate, drop below half-time status or withdraw from school) and lasts for 6 months. Generally, the repayment period on a Federal PLUS or SLS Loan begins no later than 60 days after the loan is fully disbursed. These loans do not have a grace period like Stafford loans. It is important to notify the lender of address changes as they occur, so that you will receive the repayment schedule in a timely manner and do not become past due on your account. Back to top 23. If I choose to use student loans to finance my higher education, what do I need to know? Loans are financial aid that must be repaid. Government-sponsored education loans are a good deal if you decide to borrow to pay for your education. They are better than traditional consumer loans because they offer lower interest rates. There are certain eligibility requirements. Congress limited access to education loans because paying for an education is considered to be the primary responsibility of individual families. Borrowers must qualify based on eligibility or need. Whether or not to borrow to pay for your education is an important decision, and it is one only you and your family can make. A good education can be expensive, but it is usually worth the investment of time, effort, and money. When you decide to enter the world of credit and finance, you assume new responsibilities, and it is important for you to realize that your loan will have to be paid back. As with any debt, you are responsible for repaying your loan -- in full -- even if you did not (as sometimes happens) complete school, or cannot get a job. If you do not make your monthly payments as scheduled -- and you do not make any special arrangements with your lender -- you may default on your loan, which carries significant consequences. Back to top

Answers • • • 24. Does the government subsidize the interest on a Perkins Answers • • • 24. Does the government subsidize the interest on a Perkins loan? Yes, during authorized periods of deferment, while a borrower is enrolled at least half time and in grace, the government subsidizes the interest. Back to top • • 25. What determines financial need? The information supplied on a completed FAFSA is used in a formula, established by the U. S. Congress, that calculates your Expected Family Contribution (EFC), an amount you and your family are expected to contribute toward your education. If your EFC is below a certain amount, you qualify for a Federal Pell Grant (if you meet all other requirements). Your financial aid administrator determines your Cost of Attendance (in most cases, tuition and fees, room and board, travel, books and supplies, and personal and miscellaneous expenses) and subtracts your EFC. The remaining balance is your financial need. Other sources of financial assistance are subtracted from the Cost of Attendance before need is determined. Back to top • • • 26. What is satisfactory academic progress, or SAP? SAP stands for satisfactory academic progress. It is a federally required measure that the school uses to track it's students progress. While each school develops it's own SAP policy, a time frame for program completion and a minimum quality standard, such as GPA, must be established. A school must track it's students SAP at least annually. If a student fails to make SAP, he or she will lose eligibility for Title IV aid. Back to top 27. Should I look for a job now to pay for college? As education costs continues to increase, many students are working while they attend college to help pay for the education. This a smart move only if you can balance both a job and your classes. The more money you pay out-of-pocket towards your education, the less money you will have to borrow and pay back later. In the long run, this will save you money and eliminate the stress of having debt after graduation.

College Success Stories • • • In these short videos, some successful students and College Success Stories • • • In these short videos, some successful students and graduates share the importance of college. Video clips Having trouble viewing the clips? • Play Video 1. Andres Cordero - Living the Dream (2: 12) Play Video 2. Angel Reyes - The Power of Education (2: 12) Play Video 3. Andres Madrid - From Fast Food to Fast Track (1: 16) Play Video 4. Beatriz Flores - Finding Inspiration Under the Sun (1: 59) Play Video 5. Bonita and Lyndsey Peebles - Mom Makes It Better (2: 27) Play Video 6. Kendall Howell - Defining Yourself (2: 26) Play Video 7. Kevin Peters and Carlos Reyna - This Just In. . . (2: 01) Play Video 8. Michelle Pinkett - Never Too Late for Success (4: 07) Play Video 9. Ryan O'Brien - Preparing for Take-Off (1: 45) • • • Top ^ Required software To view these video clips, you must have a recent version of Microsoft Windows Media® Player installed on your computer. It is available for free at: http: //www. microsoft. com/windowsmedia/download/.