Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34Table of Contents Introduction.................................................................................. 2 Part I – College Costs.............................................................. 2 Public four-year colleges.............................................................. 2 Private four-year colleges..............................................................2 Two-year colleges........................................................................... 2 Average yearly cost of attendance............................................ 3 Part II – Financial Aid Overview..................................... 4 The four types of financial aid.................................................... 4 Need-based and merit-based financial aid............................ 4 FAFSA.................................................................................................. 5 Determining financial need........................................................ 7 College financial aid applications............................................. 7 CSS PROFILE..................................................................................... 8 Independent student criteria...................................................... 8 The packaging of financial aid................................................... 9 Working with financial aid administrators........................... 10 A summary of the financial aid process................................. 12 Part III – Types of Financial Aid.................................... 13 Grants.............................................................................................. 13 Scholarships................................................................................... 15 Work-Study.................................................................................... 21 Loans................................................................................................ 21 Part IV – Other Sources of Aid.......................................23 The Military..................................................................................... 23 Tax benefits..................................................................................... 25 AmeriCorps..................................................................................... 26 Part V – Cutting College Costs.......................................26 Part VI – Junior/Senior Timetable...............................28 Part VII – Additional Resources.....................................30