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Posted April 23, 2016 by

Financial aid secrets for college students

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With graduation season looming, high school seniors throughout the country are receiving their college acceptance letters and celebrating their impending sense of freedom. At the same time, parents are studying financial aid options and scratching their heads trying to figure out how to pay for the upcoming four (or more) years.

As the costs of attending college rise, it’s important to consider scholarships, grants, and student loans to assist with the hefty fees. There are also some innovative tricks that can help reduce this cost. Here are some insights gleaned from real university financial aid employees, parents, and former college students all high school seniors and their families should know.

Use your FAFSA

The Free Application for Federal Student Aid (FAFSA) is an important financial aid document college students shouldn’t skip. Even if they don’t think they’ll qualify for any money, it’s important to fill this form out annually. This is how the federal government and schools determine what type of aid to give students. There are many subtle things that can impact the grants offered, many of which are unknown to the average person, and may change the amount a family qualifies for.

Attend class

Many universities have strict attendance and truancy policies to prevent abuse of the grants offered. If a student withdraws from a class due to non-attendance in the first few classes or consistent unexplained absences, their course load may drop below the mandatory credits needed to qualify for certain grants. If you have a scholarship or grant already, make sure you know the terms and what’s expected from your end.

Become a Resident Advisor (RA)

Aside from tuition, room and board are the most expensive costs incurred during college. With the average college student paying $8,535 a year just for a place to stay, it makes sense to try to skimp on this fee. Students who work as a Resident Advisor often wind up with free or significantly reduced room and board in exchange for their services, making this one of the most lucrative student jobs available.

Learn to cook

While Top Ramen may be students best friend those first few months, anything prepared at home is bound to be more affordable than college meal plans and eating out at restaurants. Even if a student’s cooking skills need some brushing up, this is one of the easiest ways to save money. Don’t be afraid of the kitchen.

Find freebies

So much of an average college student’s budget is spent on personal expenses, which often includes entertainment. Seek free options available through the university instead. Campuses are loaded with free amenities, from swimming pools and libraries to dorm dinners, guest lecture speakers, and student clubs.

Join a credit union

Since credit unions are run as cooperatives, they can afford giving customers extra perks that wind up saving them a lot of money. They typically feature lower credit card interest rates, higher interest rates paid out on savings accounts, and reduced-fee ATMs and online banking services.

While the term “starving student” has origins in truth, it doesn’t need to be a reality for all. Instead, research financial aid opportunities and spend wisely to save money and stick to a good budget throughout your academic career.

If you’re interested in more information on financial aid, please visit our blog and follow us on Facebook, LinkedIn, YouTube, and Twitter.

Brooke Chaplan, guest writer

Brooke Chaplan, guest writer

Brooke Chaplan is a freelance writer and blogger. She lives and works out of her home in Los Lunas, New Mexico. She loves the outdoors and spends most her time hiking, biking, and gardening. For more information on first time budgeting, see what a Bountiful Utah Credit Union might recommend. Brooke is available via Twitter @BrookeChaplan.

Posted March 27, 2015 by

The Ultimate Guide to Paying for College Tuition

Sarah Landrum photo

Sarah Landrum

Let’s be honest, college is expensive. Loans and scholarships enable more people to attend college than ever before, but the current economic climate is still an obstacle when it comes to covering the cost of college. With the U. S. economy in a state of recovery, credit is tightening and tuition costs are rising – leaving students to wonder how they can pay for college without going broke. (more…)

Posted March 23, 2015 by

Six Of The Quickest Ways To Move Into A Leadership Position With Your Career

Successful woman leading a business group and looking happy

Successful woman leading a business group and looking happy. Photo courtesy of Shutterstock.

Chances are when you begin a new job, you aren’t aspiring to stay in that same position forever. Indeed, you’re probably hoping that throughout your time with the company, you’ll gradually move up throughout the ranks. To help you make the process a bit more expedient, here are the six quickest ways to move into a leadership position in your career. (more…)

Posted August 20, 2014 by

Interviewing for Jobs, Recent College Graduates? Don’t Ask These 10 Questions

Recent college graduates interviewing for jobs should not ask these 10 questions found in the following post.

You’ve spent the last 45 minutes sitting in a job interview; the hiring manager is about to wrap up. And right then, the hiring manager asks: “Do you have any questions for me?” You were prepared. But you lock up! In an effort to think on your feet, you blurt out, “How much does this

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