Paying for College Night, December 2, 2014, 6:30 pm, C120
Learn more about Financial Aid,
FAFSA and CAL Grant.
Cash for College Workshop, January 14, 2015, 6:00 pm, Library
Receive assistance on filling out the FAFSA
The cost of going to college is a concern for parents and students. The
following will give you some basic information about financial aid to help meet
the challenge of paying for college.
Costs of going to
Four factors that influence
1) Geography: Location influences the cost of living, e.g.,
housing, food, and transportation. You should consider the cost of traveling
from home to college. Estimate the number of trips you may take home during
college years. Some colleges allow cars on campus with the additional cost of
2) Type of School: Public schools are generally less expensive
than private schools. However, attending an out-of-state public institution may
be just as expensive as a private school. Tuition charges help pay for the cost
of instruction. Some colleges charge fees in addition to tuition. Check college
websites for information on tuition and fees. All college textbooks must be
purchased. Book costs can add up to a few hundred dollars each year. Finding
used textbooks at a campus bookstore can help reduce book costs. Or books may
be rented for the term or found as electronic books online.
3) Housing: On-campus housing provides room and board; off
campus living involves budgeting for rent, transportation and food. The cost
for students to live on campus is significantly higher than living at home.
Check college websites for on-campus room and board costs. Personal expenses
must be included in the cost of college. Most costs will depend upon the
student's individual lifestyle. Entertainment and transportation are a few.
Some necessary expenses might include computers, clothing, and personal items.
4) Length of Time: The longer you attend school, the more it
costs. Try to finish in four years.
Do I qualify for
You must have financial
need to qualify for financial aid. College costs minus your family
contribution equals your financial need. Your Expected Family Contribution (EFC) is determined from the
information you submit on the Free Application for Federal Student Aid (FAFSA).
Some factors involved in estimating family contribution are the income, assets,
and age of your parents, as well as the number of children in the family. You
can estimate your EFC by using the Financial Aid Calculator found at https://bigfuture.collegeboard.org/pay-for-college/paying-your-share/expected-family-contribution-calculator
"No-need" scholarships may
be available at some colleges. After filing the FAFSA, the College Financial
Aid Office will put together a financial aid package. Many private colleges
have money to offer students with financial needs.
The FAFSA and Cal Grant
GPA Verification Forms must be completed for students to be eligible for
federal, state, or university grants; scholarships; loans; and work study programs.
Grants, awarded by universities, do not have to be paid back. Scholarships are
awarded in recognition of academic achievement, community service, special
talents and other personal characteristics or financial need. They are
available from universities, community organizations, foundations,
corporations. They do not need to be
repaid. Work Study enables students to work on or off campus.
The wages for work-study are subsidized by the Federal or State government or
by the university. Loans are available to students and parents
at all family income levels. In addition
to these four types of financial aid, many campuses offer deferred payment
plans, which spread payment over time rather than requiring the full amount at
once. Be sure to contact the Financial Aid Office of each college or university
for current information.
Men 18 years or older
must be registered with the selective
service in order to receive federal financial aid. Students may register at
any post office or online at www.sss.gov.
Applications Needed To
Apply For Financial Aid
Free Application for Federal Student