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Paying for College: Most Popular Articles

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Beginner's Guide to UGMA and UTMA Custodial...
An in-depth profile of UGMA and UTMA Custodial accounts. Identifies the ideal type of investor, advantages, disadvantages, eligibility, contribution limits, tax benefits, deadlines, and effects on financial aid.
Understanding the Basics of College Tuition,...
A breakdown of the three primary costs of college: tuition, room, and board. Includes a look at how tuition is calculated, as well as the advantages and disadvantages of on and off-campus housing and meal plans.
Know Your FAFSA Deadlines
Once the money runs out, you may not receive that specific type of aid, even if you would otherwise be eligible - don't miss a deadline!
How to Check the Balances on Your Student Loans
A brief overview on how to check your student loan balances.
Did You Know about These Student Loan...
Student loan forgiveness and repayment programs are one of the quickest ways to eliminate your college debts. In addition to links to the major student loan forgiveness directories, this article gives an overview of the types of programs and their taxability.
The Definition of Modified Adjusted Gross...
Modified Adjusted Gross Income (MAGI) is a measure used by the IRS to determine eligibility for a number of deductions, credits, and participation in certain types of retirement accounts. This page gives a brief overview of calculating your MAGI.
A Step-By-Step Guide to Applying for Federal...
An introduction to the Federal financial aid application process. Provides step-by-step tips on how and when to apply using the Federal FAFSA form.
FAFSA EFC: A Guide to Understanding the...
The Expected Family Contribution (EFC) is one of the most crucial numbers in calculating a family's financial aid eligibility.
Money-Saving FAFSA Tips
Here are some money-saving tips that could help minimize your college costs and maximize the amount of college financial aid your child receive.
What Are Unsubsidized Loans?
Definition and overview of an unsubsidized loan for students and educational expenses.
How to Choose the Right College Savings Account...
Choosing the right type of college savings account can be intimidating. This guide walks you through what type of savings account might be right for you based on your risk tolerances, ability to save, and potential tax benefits.
Five Music Scholarships that Can Help Musicians...
A list of five music scholarships that every musical student should know about.
The Rules You Need to Know to Claim the Student...
Overview and rules for the Student Loan Interest Tax Deduction. Includes an in-depth review of who may claim the deduction, the income limitations for eligibility, and links to the relevant IRS Publications.
Beginner's Guide to Section 529 Savings Plans
An overview of who can contribute to and receive benefit from Section 529 Savings Plans.
Use Fafsa4Caster.com to Estimate Your Federal Aid
If you're curious about your Federal financial aid eligibility, learn how to use Fafsa4Caster.com, the Department of Education's calculator.
Withdrawal Rules for Different College Accounts...
This article answers questions about withdrawing college savings for non-college costs, like paying a family's bills. It covers the unique rules, penalties, and taxes for UGMA / UTMA accounts, Section 529 Plans, and Coverdell ESA's. Page 2.
What Parents Should Know About Section 529...
A basic overview of the popular Section 529 College Savings Plans. Includes a basic look at their history, benefits, and rules.
Nursing Scholarships - Scholarships for Nursing...
A list of five undergraduate nursing scholarships.
An Overview of the Basic Reasons Behind the...
A basic overview of the reasons that a college education is becoming too expensive for many Americans. The primary causes examined and explained include inflation, class availability, scholarships, and increased demand for a limited number of enrollment spots.
Need a Student Loan? Look Here First.
Stafford Loans are one of the most important tools used to help pay for a college education. This article takes a look at maximum loan amounts, interest rates, subsidized versus unsubsidized loans, repayment terms, and the application process.
Late Deadline Scholarships
Scholarships can help fill the gaps between college costs and college financial aid.
Virginians Get Extra Help Saving for College
Virginia offers a $4,000 tax deduction ($2,000 for 2008) to residents who contribute to a Virginia 529 plan. This article includes an overview of the VA 529 deduction, its potential value to taxpayers, and instructions for claiming the deduction.
What Interest Rates Does The Federal Reserve...
A simple explanation of the difference in the primary interest rates most discussed in relation to the U.S. Federal Reserve. Provides guide to the Wall Street Journal Prime Rate, Federal Funds Rate, and Discount Rate.
Most Common Federal Student Loan Programs
An overview of the most popular Federal student loan programs, including who is eligible for the loan and what kind of loan terms students can expect.
What Students Should Know About Subsidized Loans
Definition and overview of a subsidized loan for students and educational expenses.
Federal Pell Grants - A Guide to the Federal...
Pells Grants are one of the most desired types of financial aid awards. Not only can they pay for a substantial portion of college costs, but they never have to be repaid. Due to their highly desirable nature, these awards have complex rules surrounding who can qualify based on a family's
How Much Should Financial Aid Factor Into Your...
What factors should you take into consideration when making such an important decision? Certainly, money does have to play an important role.
Tax Deduction Rules for Those Using the...
Maryland offers a. Paying for College.
The Ohio College Savings Plan Deduction for OH...
Ohio offers a. Paying for College.
Beginner's Guide to Roth and Traditional IRA's...
A description of the advantages and disadvantages of using a retirement IRA for college savings.
The Advantage of Saving for College in Colorado
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Overview of Colorado
5 Ways to Get The Most from College Financial Aid
Do not wait until your child graduates from college to figure out whether you've made the right financial moves
Illinois Tax Deduction for Section 529...
Provides overview and rules to receive an Illinois tax deduction for Section 529 college account contributions.
The Indiana 529 Credit - Tax Benefits for Using...
An overview of the Indiana 529 credit to residents, its potential value to taxpayers, and instructions for claiming the credit.
Behind on Student Loans? This Trick Could Buy...
A brief overview of repaying your student loan with a credit card.
Federal Plus Loans – Information on...
PLUS Loans are an important tool used to help absorb any remaining college costs after other types of financial aid. This article takes a look at maximum loan amounts, interest rates, undergraduate versus graduate, Direct Loan versus FFEL, repayment terms, and the application process.
Student Loan Payment Options - Guide to Monthly...
Many soon-to-be graduates avoid thinking about repaying their students loans. But, with numerous payment plans to choose from, most graduates can find a payment option that works with their budget. This article gives an overview of the repayment options for Stafford, Perkins, and PLUS Loans. It also examines important terms like grace period, forbearance, deferment, consolidation, and loan forgiveness.
The South Carolina 529 Plan Deduction for SC...
South Carolina offers an. Paying for College.
The Hispanic Scholarship Foundation
The Hispanic Scholarship Foundation provides more money for Hispanic and Latino students to attend college than any other scholarship foundation. With more than 30 programs providing over $20 million per year in hispanic scholarships, it should be every students' first stop.
The Income Based Repayment Program for Student...
The payment required under the Income Based Repayment program for student loans is based on a formula that takes into account the national poverty guidelines from the Department of Health and Humans Services.
Tax Carryforward - Definition and Overview of a...
Definition and overview of the concept of a tax carryforward, which allows a taxpayer to benefit in later years from a deduction or loss that cannot be used in the current year.
The Wisconsin 529 Plan Deduction for WI Residents
Wisconsin offers a $3,000 tax deduction to residents who contribute to a Wisconsin 529 plan on behalf of a child, grandchild, niece, or nephew. This article includes an overview of the WI 529 deduction, its potential value to taxpayers, and instructions for claiming the deduction.
UTMA and UGMA Custodial Account Conversions -...
An overview of the key points to keep in mind when considering converting a UGMA or UTMA custodial account to a Section 529 plan.
Beginner's Guide to a Coverdell Account (ESA)
An in-depth profile of Coverdell Education Savings Accounts (formerly known as Education IRA's). Identifies the ideal type of investor, advantages, disadvantages, eligibility, contribution limits, tax benefits, deadlines, and effects on financial aid.
Can I use the American Opportunity Tax Credit...
Overview of the American Opportunity Tax Credit and graduate school.
FAFSA Application - Definition and Explanation...
FAFSA is a common term thrown around by many college students, parents, planners, and financial aid professionals. This provides a definition of the term, which is actually an acronym for a financial aid form.
The Tuition and Fees Deduction
This article contains an overview of who is eligible for the tuition deduction for college expenses, as well as which expenses qualify.
The Iowa 529 Credit - Tax Benefits for Using...
Iowa offers an income tax deduction of $2,685 for residents contributing to the Iowa 529 Plan. Here's how to claim it.
How to Grow Your College Fund Without Risk
U.S. Treasury T-Bills are one of the safest investments available. This article provides information on buying T-Bills, taxability, interest rates, and links to the official U.S. Treasury website for purchases.
529 Plan State Tax Deductions – Tax...
The majority of states that offer Section 529 plans also offer a deduction to their residents for using them. This article contains a list of the various states and their respective deductions or credits.
Official Student Loan Calculator - Calculates...
Instructions and overview for the official student loan calculator from the Department of Education. Calculates standard, extended, and graduated student loan repayments for Direct and Direct Plus student loans.
Choosing the Right Section 529 Plan - Important...
With over sixty Section 529 college plans available to investors, it is important to examine the features that really matter to your financial situation. This article takes a look at in-state versus out-of-state plans, prepaid tuition versus savings plans, contribution limits, and management fees.
This Special Tax Benefit is for Pennsylvania...
Pennsylvania offers a. Paying for College.
Federal Perkins Loans - Guide to the Federal...
The Federal Perkins Loans are the most desirable of student loan programs, available for both undergraduate and graduate studies. This article gives an overview of the maximum loan amounts, interest rates, repayment terms, and the application process.
Do Student Loans Go On My Credit Report?
: Do Student Loans Go On My Credit Report? : Yes, absolutely! Student loans go on your credit report
4 Student Loan Basics to Navigate Student Loans...
Student loans don’t have to be a maze. Learn about your options and you won’t get stuck!
The 13 Most Common FAFSA Mistakes
FAFSA mistakes can be time-consuming to correct, and may even keep you from receiving all of the college financial aid to which you are entitled.
GI Bill Education Benefits - Receive Close to...
An overview of the Montgomery GI Bill, which covers up to nearly $50,000 in college tuition in exchange for as little as two years of military service.
Beginner's Guide to Series I and Series EE U.S....
A description of the advantages and disadvantages of using U.S. Savings Bonds as a college savings vehicle.
Can You Claim the American Opportunity Tax...
Overview of claiming the American Opportunity Tax Credit when student loans are used to pay for college.
The CSS Profile Form - Overview of the CSS...
The CSS Profile Form is used by over 600 colleges and universities to determine financial aid eligibility for non-Federal programs. This article gives an overview of the form, its costs, and its aid formula.
Tax Deduction for NYS 529 Contributions
New York State offers a substantial tax deduction to residents contributing to the NYS 529 College Savings Program. Learn more here.
How Do I Apply for a FAFSA PIN Number?
A brief overview on how to apply for FAFSA PIN number, including links to resources and a step-by-step tutorial.
Who CANNOT Claim the American Opportunity Tax...
A description of who CANNOT claim the American Opportunity Tax Credit.
Repaying Your Student Loans
Most loan payments start about six months after you graduate, so you need to plan ahead to make sure you incorporate those monthly payments into your budget
Air Force Medical Scholarships (100% tuition,...
The Air Force Medical Scholarship program (HSPS) pays 100% of graduate level tuition, plus a $1,900 monthly stipend and up to a $20,000 signing bonus.
Investments You Should Avoid When Saving for...
Saving and investing for college must be done carefully since there is little time to make up for mistakes. This article explores some of the most common investments to avoid when saving for someone's future education.
Understanding Student Loan Consolidation Rates
Learn how to calculate student loan consolidation rates, the interest rate cap, and how to apply for student loan consolidation.
Financial Aid for Community College Students
Financial aid isn't just for four-year college students. This article is gives an overview of the major programs that provide financial aid to community college students.
The Michigan 529 Plan Deduction for MI Residents
Michigan offers a. Paying for College.
Arkansas STAR - Arkansas Loan Forgiveness...
The Arkansas STAR program can provide up to $18,000 in Arkansas student loan forgiveness over three years.
American Opportunity Tax Credit - Definition...
Definition and overview of the American Opportunity Tax Credit.
Connecticut Tax Deductions for Education Expenses
Connecticut offers its residents a substantial deduction for contributing money to the Connecticut CHET savings program. This article reviews the rules and guidelines for claiming this deduction.
The CA APLE Program - California Teachers...
The CA APLE Program offers up to $19,000 in student loan forgiveness for California teachers through the California Student Aid Commission.
The North Carolina 529 Plan Deduction for NC...
North Carolina offers tax benefits for residents contributing to the NC 529 Plan. Here are rules for claiming an income tax deduction.
Tax Credit - Definition and Overview of the Term
Definition and overview of the term.
The Top Ten College Planning Mistakes Made By...
A list of the top ten saving, investing, and financial aid mistakes made by parents planning for college.
Learn About Student Loan Interest Rates
The different types of interest rates can have an impact on the amount of money owed and your ability to make payments.
How to Find College Scholarships
College scholarships can bridge the gap between what it costs to attend a particular college and the amount of money you have available to pay for it.
NHSC Loan Forgiveness for Medical Professionals...
The NHSC Loan Forgiveness program offers up to $50,000 in student loan forgiveness to medical professionals nationwide.
Georgia Tax Deduction for Section 529...
The state of Gerogia offers a substantial tax deduction to its residents for contributing to the Georgia Higher Education Savings Plan. This article contains an overview of the deduction, rules for claiming, and sources of more information.
Beginner's Guide to Section 529 Prepaid Tuition...
An in-depth profile of Section 529 Prepaid Tuition plans. Identifies the ideal type of investor, advantages, disadvantages, eligibility, contribution limits, tax benefits, deadlines, and effects on financial aid.
The Maine 529 Tax Deduction for ME Residents
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Overview of the
New Definition of Adverse Credit and Counseling...
If you are thinking about taking out Direct Parent Loans for Undergraduate Students, or PLUS Loans, here are some upcoming changes to this program.
The Missouri College Savings Plan Deduction for...
Here is an overview of the rules for claiming an income tax deduction for funding a Missouri 529 plan and the value of the deduction.
Can You Afford an Ivy League Education for Your...
Most parents want what is best for their children so, when it comes to a college education, an Ivy League school usually ranks at the top of the list.
Direct Loan - Definition and Overview of Direct...
Definition and overview of the William D. Ford Direct Loan Program
The Lifetime Learning Credit - The Basics of...
An overview of the basic rules regarding the Lifetime Learning Tax Credit, which is available for all years of a student's post-secondary education.
Tax Recapture - Definition and Overview of Tax...
This occurs when a taxpayer is required to go back and pay taxes on a situation where a tax deduction or tax credit had previously lowered their taxable bill.
Best College Savings Tips for Parents Getting a...
Many parents don't begin thinking about saving for college until their children are in their teens. This article outlines some of the best college savings tips for parents who need to play catch-up.
The Louisiana START 529 Tax Deduction for LA...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Overview of the
The Oregon 529 Plan Deduction for OR Residents
Oregon offers a $2,000 income tax deduction for funding an OR 529 Plan. Here's how to claim it.
Art Scholarships - Scholarships for Art...
Five unique art scholarships for art students and students with artistic abilities.
Does a Fixed Annuity Make a Good College...
Though a fixed annuity can often offer a noticeable higher yield than many other fixed income investments such as bonds and CD's, it's not without a cost. This article reviews the main drawbacks to using a fixed annuity as a college savings investment.
Beginning Steps for High School Juniors
What about high school juniors - are there steps they should be taking that will make it easier to get into college next year?
Glossary of Financial Aid Terms for Parents
This is a resource for parents to understand the language of college financial aid to help your child get the most.
What Are Qualified Education Expenses for...
Overview of what qualified education expenses may be used to claim the American Opportunity Tax Credit.
The Teach for Texas Program - Texas Teachers...
The Teach for Texas Loan Repayment Assistance program provides up to $20,000 in loan forgiveness for Texas teachers. Profile includes details on the eligible schools, subject areas, and application requirements.
A Step-By-Step Guide to Calculating College...
An in-depth explanation of calculating the future costs of college, as well as the necessary savings to cover a shortage in funds. This step-by-step calculation helps you to incorporate inflation, financial aid, and existing savings accounts.
Army Medical Scholarships (100% tuition, plus a...
The Army Medical Scholarship program (HSPS) pays 100% of graduate level tuition, plus a $1,900 monthly stipend and up to a $20,000 signing bonus.
A Parent's Guide to Getting Financial Aid Right
There are billions of dollars available in college financial aid and scholarships if you know where to look and apply for them properly.
Budgeting Tips for College Students
Use these five tips to learn how to estimate your college expenses, think about the kind of income you’ll have, and find ways to make college more affordable.
Universal Life Insurance - Definition and...
Definition and brief overview of universal life insurance, which is often recommended as alternative type of college savings account.
How to Survive FAFSA Frenzy Time
It's time!! Take a deep breath, follow the steps one at a time, and you’ll get your FAFSA completed without a frenzy!
What Happens If You Default on Your Student...
Are those student loan payment notices starting to fill up your mailbox? Know what it means to be in default & how to prevent it from happening.
Stagflation - Definition and Overview of...
Stagflation definition and overview.
The Kansas 529 Tax Deduction - Tax Benefits for...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Overview of the
Navy Medical Scholarships (100% tuition, plus a...
The Navy Medical Scholarship program (HSPS) pays 100% of graduate level tuition, plus a $1,900 monthly stipend and up to a $20,000 signing bonus.
Tax Deduction - Definition and Overview of the...
: A "tax deduction" is a tax benefit offered by either the IRS or a state / local government for spending
How Do I Apply For Financial Aid?
A brief overview on how to apply for financial aid including links to resources and a step-by-step tutorial.
College Tax Benefits for Arizona Residents
Arizona is one of the few states that allows its residents to deduct a contribution to any state's Section 529 plan, not just the Arizona Family College Savings Program. This article contains an overview of the rules for claiming this deduction.
Pell Grants - Another Reason to Complete The...
Never assume that you are not eligible for any type of financial aid. The only way to find out is completing the FAFSA now; you may be pleasantly surprised!
The Rhode Island 529 Plan Deduction for RI...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Overview of the
Understanding College Financial Aid for High...
Once you get into college, though, it’s time to think about how you and your parents will pay for it. That’s where college financial aid comes into play.
UGMA: The Uniform Gift to Minor's Act
Definition and brief explanation of the college savings term, UGMA.
FAFSA Tips
The FAFSA is the key to obtaining your share of federal, state and school financial aid. Mistakes can lead to receiving less financial aid than that to which you are entitled.
The Vermont 529 Credit - Tax Benefits for Using...
Vermont offers a 10% tax credit (not a deduction) to residents who contribute to a Vermont 529 plan. This article includes an overview of the credit, its potential value to taxpayers, and instructions for claiming the credit.
Buying U.S. Treasury Bonds for College Accounts
The 30-Year U.S. Treasury Bond is one of the most classic
Idaho Student Loan Forgiveness for Teachers and...
The Idaho Student Loan Forgiveness program repays the loans of Idaho students who pursue a teaching or nursing career in Idaho.
Beginner's Guide to the Crummey Trust for...
A description of the advantages and disadvantages of using a Crummey Trust for college savings.
AACN After College Nursing Scholarship
Up to $2,500 for undergraduate and graduate nursing degrees.
UPromise and BabyMint - Save for College Every...
The UPromise and BabyMint programs make contributions to a college savings account for your child every time you shop at thousands of retailers. The programs are free to join and can help parents accumulate thousands of dollars of savings for college costs.
Florida Loan Forgiveness Program - Student Loan...
The Florida Loan Forgiveness Program provides up to $10,000 in loan forgiveness for Florida teachers. Profile includes details on the eligible schools, subject areas, and application requirements.
Student Loan Consolidation Calculator from the...
Easy-to-use student loan consolidation calculator that shows what a student or parent would pay after consolidation student loans.
False FAFSA Assumptions
“I know I won’t qualify.” Why would you want to pull yourself before the game even begins? Never assume that you won’t qualify for financial aid.
Maryland Loan Forgiveness Program for Teachers
The Maryland Loan Forgiveness Program for Teachers can provide up to $30,000 in student loan forgiveness for certified teachers.
Update on 529 Plans
529 savings plans can be used at virtually any accredited college or university in the U.S. and are an important part of the total college package.
The Nebraska College Savings Plan Deduction for...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Overview of the
The College Financial Aid Process
Here is what you need to know about the college financial aid process.
The Alabama 529 Deduction - Tax Benefits for...
Alabama offers a $5,000 state income tax deduction to residents who contribute to its in-state Alabama 529 plan. This article includes an overview of the deduction, its potential value to taxpayers, and instructions for claiming the deduction.
A Guide To Professional Designations in the...
A Certified Financial Planner (CFP) is one of the most respected credentials in the college and financial planning industry. This article explores a Certified Financial Planner's ability to assist with college planning.
College Tax Benefits for Arkansas Residents
Arkansas offers a substantial state income tax deduction for helping to fund your child's college education. The deduction requires you to contribute to the Arkansas Section 529 Plan (GIFT). This article provides an overview of the rules for claiming the deduction, as well as links to the necessary state documents.
Avoid College Financial Aid Scams
As if it’s not hard enough applying to college, completing the FAFSA, and searching for scholarships, now you have to avoid financial aid scams, too.
Refundable Credit - Definition and Description...
Definition and overview of the concept of a refundable credit for taxpayers.
What is Student Loan Rehabilitation?
The basics of student loan rehabilitation for student loans in default.
Obama Announces Educational Opportunities for...
President Obama announces a number of new programs aimed at helping displaced and unemployed workers get educated, retrained, and find new jobs. Includes expansion of the Pell grant program. Page 2.
ETF Definition and Overview
A definition and overview of Exchange Traded Funds (ETF's).
What Form Do You Use To Claim the American...
Info on the required forms for claiming the American Opportunity Tax Credit.
UTMA - The Uniform Transfer to Minors Act
Definition and brief explanation of the college savings term, UTMA.
Is the American Opportunity Tax Credit...
Overview of when the American Opportunity Tax Credit may be refundable.
The Montana 529 Plan Deduction for MT Residents
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Overview of the
Money Market Safety - The Basics of Money...
A basic overview of money market safety including an explanation of money market fund structure, FDIC and SIPC insurance, and researching fund safety.
Official Student Loan Repayment Calculator -...
Instructions and overview for the official Income Contingent student loan repayment calculator from the Department of Education. Calculates standard, extended, and graduated student loan repayments for Direct and Direct Plus student loans.
Financial Aid Advisors
The world of financial aid can be quite confusing. There are many new terms to learn and deadlines which have to be met.
Questions Parents Must Ask When Visiting...
The financial aid office should be a priority when visiting a college campus. Here are 5 questions to ask.
The West Virginia 529 Plan Deduction for WV...
West Virginia offers an unlimited tax deduction to residents who contribute to a West Virginia 529 plan. This article includes an overview of the WV 529 deduction, its potential value to taxpayers, and instructions for claiming the deduction.
Commercial Paper Markets - Definition,...
The commercial paper market is comprised of very short-term bonds issued by highly rated corporations to help finance need such as operations, payrolls, and production. Article includes overview, sample of issuers, risks, and links to sample rates.
Prepare for Student Loan Repayment
For the class of 2014, the student loan grace period is coming to an end. Don’t become the one in ten graduates who risks defaulting on their student loans.
Ponzi Scheme - Definition and Overview of Ponzi...
A ponzi scheme is an investment scam that often ensnares even the most sophisticated of investors. This article provides a definition and overview of a ponzi scheme.
The Nightingale Nursing Scholarship of...
Eligible Students: PA residents attending a Pennsylvania nursing school Minimum of "B" average Completed

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