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I recently published an article on the dangers and benefits of student loans and other forms of college financial aid – here is a quote from it, in case you are interested:
Student loans repayment can be a real nightmare without adopting some strategies that would help the new graduates to organize their social and financial life. Here are some strategies they can use to do this:
- An additional part-time job;
- Freelancing is another option (meaning that they can do particular pieces of work for different organisations, without working all the time for a single organisation);
- They should try to keep their living expenses as low as possible (live in a smaller apartment, live with a roommate to share some of the expenses, find an apartment that is closer to the job, to eliminate the extra-expenses for transport etc.);
- To apply for forbearance (this is an immediate solution for hard times when the new graduate is in impossibility to re-pay the amount of money and the need for student loan consolidation becomes apparent; it is a temporary period, when the graduate can postpone or delay his or her re-payments until a later time on a federal or direct loan after the beginning of the re-payment, and when the student doesn’t qualify for deferral). The forbearance must be applied through the lenders of the loans.
- To consolidate the payments.
If you feel this help, please drop by my website for additional information, such as federal student loans information or additional resources on private student loans .

Regards,

Michael

Christopher S. Penn
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THANKS AGAIN!!

Applying for the FAFSA is the most important thing to do first. You must do this. This allows you to be eligible for grants, loans, and work study. Basically when you fill this out it will look mainly at your parents income and assets, your income and assets, the number of people in your family and number in college. I believe, but not 100% sure, that your parents main residency and any IRA’s are not counted. From there you get your EFC, or expected family contribution. This is how much the government thinks you and your family are able to pay for college. This is compared to the cost of the school(tuition, books, living costs, etc) to see how much financial help you need, according to the gov’t.

The best loans to get are perkins loans, followed by stafford loans. Stafford loans can be subsidized(gov’t pays the interest while your in school) and unsubsidized. Obviously, they give out perkins and subsidized loans first to those with the most need. And if you need more, the ones mark listed are available as well. Those with the most financial needs can also get grants which are basically a free gift of money.

One more tip. If you or your parents have any significant debts and significant savings you might want, depending on your own family’s financial situation, to look at paying some of those debts off before you fill out the fafsa. The efc is determined by assets and not debts. Either way you should talk to someone at your high school or college’s financial aid office and fill at the fafsa as soon as possible as I think the fed gov only has a limited number of grants to give out.

Hope that can help out some more. I want to make out some very detailed posts on my own blog in the future about the process and how to maximize the your efc and the aid you can get. I know from first hand experience how difficult it is when your parents can’t help you out with college.