August 12, 2009 THE VILLADOM TIMES I, II, III & IV • Page 13 �������������� Need money for college? Try these helpful tips ����������������������������� ������������ �������������������� ������������������ expect large amounts. The competition will be fierce for these scholarships, but smaller awards of $1,000 or less typically have fewer applicants and are easier to obtain. Educational websites are also good sources for scholarship information, but remember that the information should always be free. Plan to earn some extra cash. Many of today’s students work and go to school at the same time. Some are earning money for tuition, while others for living expenses. Students can apply for the Federal Work Study program, find a job on campus, or look for something off campus. Graduate students can look for a teaching assistant or research positions, which sometimes offer tuition discounts in addition to a salary. Apply for federal aid. Student loans are some of the most commonly used financial tools. Use the following steps to apply for financial aid: If you filed an extension for your 2008 taxes, get them finished immediately. Fill out a Free Application for Federal Student Aid (FAFSA form) and submit it as soon as possible. When you receive the Student Aid Report, double check the information, and make corrections if needed. Return the report. You will receive an award letter containing all the financial aid details regarding what you can receive. Consider your options carefully. Look into your anticipated tuition costs, living expenses, and the cost of books and supplies, etc. Reply with your acceptance by the deadline. If you have questions, contact your school’s financial aid office. Get a supplemental loan for the rest of your expenses. Supplemental loans are often used in addition to federal student loans when you find you still need more financing to cover the cost of your education. This may help in handling those additional expenses such as books, laundry and food. (ARA) Even though the economy has slowed down, college applications are up. Many people are enrolling in undergraduate programs, or going back for an advanced degree. Unfortunately, some people don’t consider pursuing a degree because they lack the finances. The costs can be steep. During the 2008-09 academic year, the average annual cost of a public four-year degree was $6,585 and for a private fouryear degree, $25,143, according to The College Board. The good news is there is money out there to help you pay for tuition or room and board, you just have to find it. Here are some tips: Apply for every scholarship or grant you can find. It may seem like a full-time job searching for and applying for scholarships, but the dollars do add up. Start your search early; many scholarships have deadlines. If you’re a high school student, begin with your high school guidance counselor for a list of local resources, and then move on to the college you plan to attend. Don’t Under New Ownership Gingerbread Consignment Shop �������������������������� �������������������� ������������������������������������������ ����� ����������� ������������ ������������������������������������������������������������ ������ �������� ���� ������������������ ������������������ �������������� ������� 8-12-09 ester/janine Gingerbread3x2(8-12-09) 3 col. x 2” ������� ����������� �������������� �������������������������������� ����������������������������� ������������ ������������������������������ ������������������������������� ������������������������������ ������������������� ������������������������ �������������������� ���������� 201.847.8243