College Financial Aid FAQ

Financially Challenged? There's lots of free college information available online, and here are some of the most popular questions when it comes to student Financial Aid. Learn about the difference between grants, student loans and college scholarships and bank on your future!

What is Financial Aid?
Financial aid is monetary aid to help you pay for your college education. Aid is made available from grants, college scholarships, student loans, and part-time Employment of federal, state, institutional and private sources. The type and amount of aid will be determined by financial need, the available funds, student classification, academic performance, and sometimes the date of the application.






What is the FAFSA?
FAFSA stands for Free Application for Federal Student Aid. The FAFSA is the Federal Department of Education primary application for financial assistance and is the gateway form to almost anyother federal, state or private grants, college work-scholarships, student loans or college courses. The FAFSA form must be filled out each year between 1 January and 10 March (although some universities) to its own earlier deadlines and may be completed online or by mail. Four to six weeks after you receive the file FAFSA (two to four weeks if they have filed electronically), your Student Aid Report (SAR) received a summary of the information you submitted on your FAFSA will containand presents your expected family contributions (EFC), which is the amount you expect your family to contribute to your education, says. The amount of financial assistance is determined then deducted from the tuition fees your university about your EFC. If you do not receive the SAR within a reasonable period of time, you can call on the Federal Republic of processor 1-319-337-5665. Check the SAR carefully for errors. If necessary, make corrections on Part 2 of the SAR and send it immediately tothe address on the form. Then you will receive a new SAR will be made with the changes.






What is the College) Scholarship Services Profile (CSS Profile?
Some colleges also require that, in addition to complete a college scholarship service profile form to the FAFSA. It is a secondary form of financial support for the supply of additional information about your family's income. Be sure to check to see if this form is needed and on specified dates with your universitydirectly.






What is the difference between a Grant, a student loan and a college scholarship?
A grant is free money from the government or non-profit organizations that do not have to be repaid. The grants are usually determined by financial need, but can also be influenced by academic merit. Unlike grants, student loans borrowed money from an academic institution, financial institution, or federal government, which must be repaid. As a scholarship, a studentScholarship is free money, but is usually offered by universities, companies, individuals and outside sponsors. Awarded by the university itself often as MERIT AID. Grants typically are arranged according to financial need, college scholarships to a broad base of criteria, which awarded the most common academic merit. In addition, no grants or loans, you must complete FAFSA, however, received many grants can not demand that you completeFAFSA to be eligible. Instead, you must use material directly from the donor of the scholarship.






What are the different types of grants?
There are federal and campus-based (institutional) grants. Federal grants are gift money from the Federal Department of Education, while campus grants are state funds spent directly by your university. The campus offers a degree of scholarship funds for eachparticipating school to administer each year. If the money is gone for a program that no longer rates can be made from the program for this year to ensure that you have about the types of grant by each university you are considering, and given their specific deadline. Listed below are some of the most common grants.







Federal Grants





Pell Grants are considered a foundation of federal financial aid to which aid from otherFederal and non-federal sources could be added. Pell Grants are usually only for students who do not deserve to award a bachelor's or professional degree. The amount you get depends on your financial needs, your college's tuition, your status as a full-time or part-time studies and visited your plans for the school for a full academic year or less. The Academic Competitiveness Grant, a new support program available freshmen, the high schoolafter 1 January 2006 or for the second year students of high school from 1 January 2005. Only students eligible for a Federal Pell Grant eligible and who is to succeed in rigorous high school program established, recognized by the state or the local education authority the Agency and the Secretary of Education. An academic competitiveness grant will be up to $ 750 for the first year of the Bachelor's study and up to $ 1300 for the second year of the Bachelor's degree inFull-time students, which is for a Federal Pell Grant eligible. The National Science and Mathematics Access to Retain Talent Grant (AKA the National Smart Grant) during the third and fourth years of undergraduate study in full-time students are available, the claim on the Federal Republic of Pell Grant and the disciplines in the physical life, or computer science, mathematics, engineering or mechanical engineering or in a foreign language determined critical to national security. The student musthave maintained a cumulative grade point average (GPA) of at least 3 0 required courses for the major. The National SMART Grant is in addition to the student Pell Grants.


Campus-based Grant




The Federal Supplemental Educational Opportunity Grant (FSEOG)


The FSEOG is a campus grant to support students with special financial needs off. Pell Grant recipients with the lowest expected familyContributions (EFCS) will be the first for a FSEOG. You can receive between $ 100 and $ 4000 per year depending on when you apply, your financial need for funding at the school you are attending, and the politics of the financial assistance office at your school.






What are the different types of loans for students?
A student loan is money that must be repaid after you have completed your studies. In general, interest rates are low, so you do not have moreas much debt as you would with a credit card or bank loan. There are campus loans that you pay directly to your university and to repay federal loans that you either directly to the U.S. government, or your financial institution.







Campus-based loans Federal Perkins Loan


The Federal Perkins Loan is a campus-loans, since they are directly managed by the financial aid office at each participating school. InIn other words, your school, the lender, even though the loans made with government funds. Your school will either pay directly or apply for your loan to your school fees. They are the loan in at least two payments received during the academic year. You can borrow up to $ 4,000 for each year of undergraduate education with a maximum of U.S. $ 20,000 for the entire bachelor's degree. The amount you get depends on where you apply, your financial needs and the funding level at your school. The Federal AuthoritiesPerkins Loan is a low-interest, 5% loans for students with special financial needs. You must repay the loan directly to your school and you have nine months time to make your repayment plan after you graduate to begin. Normally you the monthly payments to the school that you gave to make the money over a period of 10 years. Bunds The U.S. Department of Education administers the Federal Family Education Loan (FFEL) Program and the William D. Ford Federal Direct Loan ( Direct Loan)Program. Both consist of the FFEL and Direct Loan programs, which are commonly known as the 1st Stafford loans (for students) and 2 ) PLUS loans (for parents. Schools are generally either the FFEL or Direct Loan Program to participate, but participating schools sometimes in both. For either type of loan you must complete FAFSA by which your school will review the results and to review the results and will inform you about your eligibility for loans. You also have to sign a promissory note, a bindinglegal document outlining the conditions under which you are borrowing, and the conditions under which you agree to repay the loan.



Stafford Loans
Stafford loans are federal loans for students. Eligibility requirements and loan amounts are both under the FFEL and direct loan programs, the same, but different vendors and repayment plans. For all Stafford loans first time on or after 1 Paid in July 2006, the interest rate is set to 6. 8 percent. They may however be taken into consideration forsubsidized loans, depending on needs and financial, in which the Government to pay (subsidize) the interest on your loan while you are in school for the first six months after you leave school, and if you claim your deferred payments have. You might be able to borrow loan funds beyond your subsidized loan amount even if you do not have demonstrated financial need. In this case, you will receive a non-subsidized loans. Your school will be the sum of your other financial aid, subtract from yourCosts of participation to decide whether you qualify for unsubsidized loans into consideration. Unlike a subsidized loan, you are responsible for the interest from the date the loan until the date it is paid are refunded in full. According to the study you will receive a six-month "grace have time" before you must begin repayment. During this time, you will receive repayment information, and you will be notified of your first payment due date. You are responsible for the repayment at the beginning of time, evenIf you do not receive this information. You can find more detailed information about your options, contact the repayment of entrance and exit counseling sessions provided by your school.



Federal Family Education Loan (FFEL) funds from your FFEL comes from a bank, credit union or other lender that participates in the program. Schools that take part in the FFEL Program will usually have a list of preferred lenders. Student loan borrowers may choose a lender from this list, orselect a different lender they prefer. Your loan money must be used first to pay for tuition, room and board and other school. When is the money, you will receive the funds by check or cash. Besides interest, you pay a fee of up to 4% of the loan, deducted proportionately from each loan disbursement. For a FFEL Stafford Loan is a part of this fee to the federal government, and a portion goes to the Guarantee Agency (the organization that administers the FFELPrograms in your country) a contribution to reducing the cost of your loan.
Direct LoanUnder the direct loan program, the funds for your loan come directly from the federal government, and you need to repay your Direct Loan to the U.S. Department of Education Direct Loan Servicing Center. How will the FFEL loan, you pay a fee of up to 4% of the loan. For a direct Stafford Loan, the entire fee goes to the government to reduce the cost of the loans.




















Borrow PLUS loans (Parent Loans) Parents can help a PLUS loan, the cost of your education expenses if you are a dependent student enrolled at least half the time in an eligible program at an accredited school. PLUS loans are through the Federal Family Education Loan (FFEL) Program and the Direct Loan Program are available. Your parents can get either loan, but not both, for you during the same period of enrollment. You must also have an acceptableCredit history. For a Direct Plus Loan, your parents have a complete Direct Plus Loan application and change, in a form that you include your school's financial aid office. For a FFEL PLUS Loan, your parents must complete and submit a PLUS loan application available from the school, lender or your Guarantee Agency. After school, her part of the application is complete, it must be submitted to a lender for consideration.

What are the different types of scholarships? Scholarships are on a broad basis of criteria, which awarded the most common academic merit. Many of the academic merit scholarships in addition to bearing conditions, such as financial need, membership of a group, leadership, sports, talent, artistic or musical ability, etc. Some scholarships are awarded by the university itself, often referred to as MERIT AID. Other scholarships are awarded by external sponsors. For somescholarships, you need to be nominated. For most of them, you apply directly to a sponsor. Because there are so many different types of scholarships, you should check directly with your financial aid office at your college. Can I apply for a grant, a loan and a scholarship at the same time? Yes. You can team up different types of financial aid or simply have one kind. Nevertheless, some types of financial aid are contingent on others. For example, you can only receive an Academic Competitive Grant or Federal Supplemental Educational Opportunity Grant, if you received a Pell Grant. While you can not on a team FFEL loan with a direct loan, you may be entitled to a subsidized loan (in which interest is paid by the government) and a non-subsidized loans (for which you are responsible for the interest) at the same time . You can also combine grants with loans and scholarships, so it never hurts to try to get as many different kinds of aidpossible, what is the Federal Work Study Program? The Federal Work-Study Program (FWS) is a campus program that is part-time jobs for undergraduate and graduate students with financial need stipulates that in order to earn money to pay for education possible expenses. The program encourages community service and the price of the receiver for a learning work. How often should I apply for financial aid? "You have to apply for financial aid every year. EvenIf you do not qualify this year, you should again next year because of financial circumstances can change. The number of family members at school, for example, have a big impact on your eligibility for financial assistance. If you have a FAFSA filed last year, you may be able to complete a shorter renewal FAFSA form instead. The renewal FAFSA will be sent to your home. The renewal FAFSA Preprints most of your answers from the previous year's FAFSA. Make sure that the old answers aremore accurate and appropriate corrections or new responses. If you are unable to benefit from a renewal FAFSA by 15 February, complete a new FAFSA form. How do I know whether I am eligible for financial aid? "Do not assume that you are not eligible for financial aid. Almost all have enrolled U.S. citizens or eligible non-citizen for at least half the time now eligible for some form of financial assistance. Even if you are not entitled to a grant, free college info is still available, andmay be other forms of financial aid into account. Many families do not apply for financial aid because they believe they earn too much money. However, you do not need from a family with low income to receive financial assistance. Some loans and scholarships are available regardless of need. Many factors are used to determine your eligibility for financial aid, and there is no simple cut-off based on income. You can not send aid if you should apply!

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Make Your Own Custom T-Shirts - Using These Tips to Save Big

There are many ways to be your own T-shirts that are affordable, we'll show you a few of them. Today, with each financial belt tightening to find people when you make your own t-shirt design, you save a boat lot of money. The bottom line when it comes to a custom T-shirt, you can choose one of many ways to go about it. You can save the image on the screen-printing T-shirts, embroidery, painting and material, you can also iron-on images on theShirts.

Screen Printing. First, to discuss screen printing. You buy the shirts at wholesale prices at an online Bulk Supply Company. You buy a simple screen printing press and supplies, and grab a CD or book on screen printing. Before you know it'll be making your own T-shirts at a fraction of what it would cost, you can buy from a local screen printer. Over time, this hobby could become a very profitable career develop.

Embroidery.If you want to make your own t-shirts, and you choose embroidery is the way to go, once you buy the tea online at a bulk supplier. Today, embroidery equipment cents on the dollar compared to ten years. You can one stop embroidery manufacturers in the garage or even your kitchen table. The supplies for embroidery go a long way, and again, this little hobby has the potential to be a real money making venture if you decide to go the right amount of time.

Fabric Painting. The range ofFabric painting usually falls into the homemade or craft category. The children make shirt designs for the grandparents, the family of design merit tees for a family reunion, or the local Boy or Girl Scouts while a project on merit badges. The T-shirts to buy online again for a bulk supplier to save the absolute most for your money. Then press the local craft store or even eBay or Amazon for the textile colors. The T-shirts at the CRAFT shops can be found in the area are $ 3, but mythey can in bulk can cost less than $ 1.25 per piece.

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Getting a Merit Scholarship

If you are a student who has had very good grades in school highs then maybe get in a position, a merit scholarships. These scholarships are for people, the artists were reserved and extraordinary success in school. Although these achievements are not limited scholarships for intelligent people. It also includes athletes, and the imaginative minds of artists.

You must understand that the competition was tough, but in any case. You really need the rest in the shadeIn terms of achievements to be able to be included. While there is still nothing wrong with the application, because you would not know your chances until you see the results. The students can try on different programs such as American Rhodes Scholars who seek Gates Millennium Scholars Program and the Harry S. Truman scholarships.

Do not limit yourself with the examples I have just given. Literally there are a variety of scholarships out there, so it is better to try it and see what otherGrants you can fit. They would no problem in trying to have to find these scholarships because it is just all over.

You can always search the Internet, because it would be easier to assess all the requirements. Everything would be on different sites, it would seek up to you to email or contact them directly. At least you would already have knowledge of what they offer to speak before with anyone. You can try to search for companies that give toScholarships or grants for upcoming raffles and see how you can join.

Scholarships are only a means to help students. In the end, it would be up to you if you would be a waste. Education is a way to make a successful career and a better life.

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The Role of the Flexible Finance Director

Not all companies have Finance Directors, and there is a shared view that only large, enterprise level, companies need - and can afford. However, many companies from a Finance Director to help grow before they reach the enterprise level, understanding the role of financial director is the first step towards gaining the expertise of an individual who literally make the difference between success or failure of a company.

The main functionsa financial director can be divided into six points:

1st Finance Directors are responsible for managing the financial function of the business which include overseeing such things as recording transactions, cash flow management, internal controls and management reporting, finance department personnel management and development, external accountants and tax would be responsible.

2nd The FD manages the financial and business planningCompanies, including budgets, forecasts, strategic business reviews, financial strategy, cash and financial and formal requirements for business plans, to a third party, such as potential investors may be displayed.

3rd FDs manage relationships with key external stakeholders, including donors, banks, external investors, lawyers and corporate financiers as well as the aforementioned accountants and tax

4th A finance director withBusiness background is often in a position to contribute to and functions as the management of IT systems, legal, HR, real estate and other facilities. Special projects such as mergers and acquisitions and internal change management are often treated by the Finance Director.

5th The FD, the amount of interpreters and translators. A good Financial Director will describe not only good-quality figures with sound and robust systems and processes, but also in a position toWhat do the numbers. Moreover, this interpretation includes not only that, what happened, but what will happen in the future, with the help of indicators and key performance indicators. The translation of numbers into facts on the ground is probably the most important differentiating factor for a good finance director has a good financial control.

6th Finally, it is also is crucial to the FD is perfectly positioned to the company's number two of the management, the ideal partner, Devil's Advocate, conscience,Voice of reason and where occasionally necessary to brake. A good fund FD can talk to people, finance and current financial issues that affect the day to day running of the business in a clear and concise manner of the management team.

It could be logical to conclude that all these tasks required for a finance director is a full time role of larger company. However, more and more companies are discovering that there is a significantPeriod in the life of a growing company where the skills and experience that can provide the above services are required, but not on a full time basis, and that a flexible Finance Director is a low risk, cost-effective bridge between the Using an accountant / auditor and the combination of acquisition, the first full-time FD.

What is a "flexible" Finance Director?

A flexible or part-time FD is not just about everything you expect for a permanent Finance Directorto do as long as it is not illegal, unethical or immoral! Some customers have only an accountant, others have a controller, a leading finance team and the flexible finance director adapts to the resources of the client.

In general, flexible finance directors work on an ongoing basis with clients on projects of strategic importance but are also happy to oversee finances in all their parts.

In addition, a flexible FD is not native, as theynot work in the business full time. The main advantage of this, there is the possibility to obtain an external perspective on issues. This can be very important if the management teams in SMEs are often overworked and have no valuable time re-survey questions to see them in a new light.

Finally, with a flexible model FD-growing businesses can use to ensure this critical expertise at a fraction of the cost of a full time finance director.

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ADHD Tied to Brain's Reward Pathway

By Jennifer Warner
WebMD Health News

Sept. 8, 2009 -- A problem in the brain's reward center may be behind symptoms like inattention associated with attention deficit hyperactivity disorder ( ADHD).

New research suggests this dysfunction in the brain's reward pathway interferes with how people experience reward and motivation. Dopamine is a chemical in the brain essential to normal functioning of the nervous system.

"These deficits in the brain's reward system may help explain clinical symptoms of ADHD, including inattention and reduced motivation, as well as the propensity for complications such as drug abuse and obesity among ADHD patients," says researcher Nora Volkow, MD director of the National Institute on Drug Abuse, in a news release.

ADHD is a childhood psychological disorder that may also persist into adulthood and affects 3%-5% of American adults.

Researchers say the results offer new insight into ADHD as well as help explain why people with ADHD may be more likely to abuse drugs or become obese.

The study, published in TheJournal of the American Medical Association, used positron emission tomography (PET) brain scans to measure markers of the brain's dopamine system in 53 non-medicated adults with ADHD and a comparison group of 44 healthy adults.

The results showed that compared to the healthy adults, those with ADHD had a reduction of dopamine receptors and transporters in two regions of the brain involved in processing reward and motivation.

"This pathway plays a key role in reinforcement, motivation, and in learning how to associate various stimuli with rewards," says Volkow. "Its involvement in ADHD supports the use of interventions to enhance the appeal and relevance of school and work tasks to improve performance."

"Our results also support the continued use of stimulant medications -- the most common pharmacological treatment for ADHD -- which have been shown to increase attention to cognitive tasks by elevating brain dopamine," Volkow says.