Financial Aid:
Student Financial Aid
Student Financial Aid
- Determine eligibility for financial aid.
- Identify your dependency status.
- Submit a Free Application for Federal Student Aid (FAFSA).
- Understand and calculate your Expected Family Contribution (EFC).
- Learn what to do when the Student Aid Report (SAR) arrives.
- Clear financial aid myths.
Specialized information is also provided:
- Complete the CSS/PROFILE®.
- Understand financial aid for international students.

How Will I Pay for College?
Understanding College Costs
Direct & Indirect Costs
Determining the Cost of College
School Affordability Analyzer
Paying for College: For Parents
Understanding The Costs, Not The Sticker Price

Education Savings Plans
Education Savings Plans
Upromise
Baby Mint
Sage Scholars Tuition Rewards Program
529 College Savings Plans
Coverdell ESA
UGMA/UTMA -Uniform Gifts for Minors Act (UGMA) & Uniform Transfer to Minors Act (UTMA)
Savings Bonds
IRAs
Prepaid Tuition Plans
If you plan to attend an in-state school, a prepaid tuition plan may be a good option. Carrying low risk and offering tax advantages, these programs let you lock in tuition at the current rate. Under this plan, your state promises the amount you set aside will buy the same amount of tuition at a state school in the future.
Savings Calculators

Free Money For College
Free Money for College
Scholarships
- Get familiar with scholarship requirements.
- Pick up some scholarship application tips.
- Learn how to spot and avoid scholarship scams.
- Get help with those scholarship essays.
- Check out our featured scholarships.
- Free Scholarship Search
Grants
- Federal Pell Grant
- FSEOG
- ACG & National SMART Grant
- TEACH Grant
- Merit-based Programs

Loan Information to Help Pay
Federal Loans
Sallie May

Private Loans
Home Equity Loans
Other Loans

Other Ways To Pay
Other Ways to Pay
These options can help reduce the financial burden of education and, in many instances, offer some unique experiences.
- Work-Study
- Military Service
- Community Service
- Loan Forgiveness
- Tuition Payment Plan
You'll also find suggestions on how to reduce college costs.

Tax Benefits
Tax Benefits
- Hope Credit
- Lifetime Learning Tax Credit
- Comparison Chart
- Tuition and Fees Deduction
- Student Loan Interest Deduction
- Katrina Emergency Tax Relief

Understanding the Costs, Not the Sticker Price

Education Investment Planner
The Education Investment Planner lets you:

Student & Parent Guide to Federal Student Aid (English Version - Spanish Version)

How Do I Apply For Federal & State Student Aid?
Free Application for Federal Student Aid (FAFSA)
CSS Profile
College Board Financial Aid Services
New Jersey Higher Education Student Assistance Authority (HESAA)

National Association of Student Financial Aid Administrators:
Financial Aid Presentation (English Version - Spanish Version)
The Current Top 16 Most FAQ about the FAFSA
FAFSA Forecaster (estimate of Student Federal Financial Aid)

Scholarships & Grants:
Current Scholarship Opportunities

Local Scholarship Booklet
There are scholarships for: academics (foreign language, math) music, special education, art, community service, teacher just to name a few. Please make note of the deadline date.

NJ Grants & Scholarships
Fast Web Scholarship Search
FinAid
TEACH Grant Information
The Academic Competitiveness Grant and the National Science and Mathematics Access to Retain Talent Grant Information
See College websites for more college specific scholarship opportunities!

* DO NOT PAY AN OUTSIDE AGENCY FOR ASSISTANCE WITH THE FAFSA OR SCHOLARSHIP SEARCHES!!! PLEASE SEE YOUR HIGH SCHOOL GUIDANCE COUNSELOR FOR REPUTABLE SERVICES!