Why File the Free Application for Student Financial Aid

The time to file for financial aid is now here. Every year in February students are sent reminders to file there free application for student financial aid form. Maybe you are putting it off or do not feel you need to file for financial aid. The fact is, if you don’t file, you might be giving up free money for college.

Filing for financial aid is an important process in going to college whether you are a student depending on your parents to pay for college, a parent of a potential college student or an adult student. By filing the free application for financial aid, you become potentially eligible for all types of financial aid in the form of grants, need-based scholarships and loans.

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Student Financial Aid Award Letters

Once you receive an award letter you have moved up the financial aid ladder one rung. You have moved from financial aid applicant to financial aid recipient. The award letter, or letters if you have applied to more than one school, can and should be used as a critical tool in your decision about where to attend school. More and more students are waiting for their award letters before they make their intentions known by the national day of intent deadline of May 1. This strategy has not gone unnoticed by financial aid offices around the nation. We all strive to get our letters out, especially to incoming freshman prospects, as soon as possible.

Why this is a good strategy is evident when you look at more than one award letter. Awards among schools can vary by thousands of dollars even to the same student. And, as any one can attest, there is an intensely persuasive quality to waving money in front of someone’s face. For students who have the ability and resources to apply to more than one school, most financial aid advisors would strongly suggest you do. People in financial aid offices call this strategy “getting to yes.” Once the institution has accepted you and you have received an award offer, you hold all the cards. Now, with a stacked hand, you can decide what institution you wish to attend and you also have the ability to use your award letter from a competitor’s institution to ask whether your school of choice can sweeten the pot to keep you from “jumping ship.”

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Using Student Financial Aid Direct Loans

As a student it is important to understand that there is money out there to be utilized and there are many different student aid avenues to take in order to utilize these resources. The government is aware that for many people the cost of college is too far out of reach to complete it without some sort of funding and when you take the time to research your options, you may find there were are than you expected. Utilizing student financial aid direct loans is the best option for those students and families who just cannot afford college or university educations, this money comes directly from the government, no lender needed.

Basically, there are three different types of student financial aid direct loans available to you:

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