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Scholarship Scams
Scam Warning Signs:
·
You have to pay a fee
·
Money-back offers or guarantees
·
Credit card or bank account
information required
·
Provides “exclusive” information
Scams: “Phishing” &
“Pharming”
“Phishing”
·
Unsolicited emails that bear the
logo of your bank or credit card
·
Appear legitimate but are traps
to lure you into giving our your personal or account information
·
NEVER give out Social Security,
credit card, or bank account numbers to unsolicited emails or calls.
“Pharming”
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Unsolicited emails that
encourage you to visit a website or click on suspicious links
·
Make sure your inbox spam
filters are up to date
·
BE CAREFUL to whom you give out
your contact information or email address
FINANCIAL AID
WEBSITES:
FinAid:
www.finaid.org/fafsa
www.finaid.org/calculators
Everything you need to
complete the FAFSA and avoid costly errors.
Fastweb:
www.fastweb.com
www.fastweb.com/highschool
FREE scholarship search.
Find internships, advice and more.
Order free materials and
download presentations.
Making It Count:
www.makingitcount.com
Educational tools for
students and parents
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Web Resources
Scholarship Search
www.fastweb.com
*AmeriCorps
www.americorps.org
*City Year
www.cityyear.org
CSS/PROFILE
profileonline.collegeboard.com
Direct Loans
www.ed.gov/directloan
FAFSA (Free Application
for Federal Student Aid)
www.fafsa.ed.gov
FAFSA PIN Registration
www.pin.ed.gov
FAFSA 4Caster
www.fafsa4caster.ed.gov
JobCorps
www.jobcorps.gov
Resources by State
www.finaid.org/otheraid/state.phtml
Student Tax Info
www.irs.gov/individuals/students
*Eligible for education
award upon successful completion
College Admissions
College Search
www.fastweb.com
Common Application
www.commonapp.org
Educational Opportunity
www.opportunity.gov
College
www.college.gov
Financial Aid
Information
FinAid
www.finaid.org
FastWeb
www.fastweb.com
Federal Student Aid for
Students
www.studentaid.ed.gov
Mapping Your Future
www.mappingyourfuture.org
Student Guide to Federal
Aid
www.studentaid.ed.gov/guide
Choosing a
Major/Career
Monstor (Job Search)
www.monster.com
Career Planning
www.fastweb.com
Career One Stop
www.fastweb.com
Bureau of Labor
Statistics
www.stats.bls.gov
Occupational Outlook
Handbook www.bls.gov.oco
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Loan Information
Perkins Loan
Awarded based on
exceptional need. Interest is subsidized and fixed at 5%. Favorable benefits
may be lost upon consolidation.
REPAYMENT begins 9
months after graduation or dropping below half-time enrollment status.
Stafford Loan
Subsidized
Interest accrues
starting 6 months after graduation.
Fixed interest rate is
5.6% if loan originated on/after July 1, 2009 for undergraduate students.
Unsubsidized
Interest accrues during
school.
Fixed interest rate is
6.8% if loan originated on/after July 1, 2006.
On loans first disbursed
on or after July 1, 2009, annual limits have increased by $2,000 for
independent and dependent undergrads.
REPAYMENT begins 6
months after graduation or after dropping below half-time enrollment status.
Parent PLUS Loan
If loan originated
on/after July 1, 2006:
Direct PLUS fixed
interest rate is 7.9%
FFEL PLUS fixed interest
rate is 8.5%
REPAYMENT begins 60 days
after full disbursement, or 6 months after student graduates or drops below
half-time. Interest continues to accrue during deferment.
Federal Consolidation
Loan
Combine loans to one
lender. Fixed interest rate is the weighted average of the loans rounded up
to the nearest 1/8 of a % and capped at 8.25%. Lower monthly payments through
alternate payment plans.
Private/Alternative Loan
Eligibility, interest
rate and fees based on better or borrower and cosigner credit scores. More
expensive than Federal loans. |
