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Smart Borrowing

Higher education can be expensive; we want to give you the tools you need to make an informed decision when figuring out how to pay for college.  Check out these helpful tips!!

Be prepared by researching college costs ahead of time.  Knowing is half the battle so use these helpful resources to plan for your education.

Carefully review all types of financial aid.  Institutional grants and scholarships, Federal grants, State grants, Outside Scholarships, and Student Employment are all possible forms of aid in addition to Federal and Private loans.

Take some time to understand the different loan options before you borrow.  There are several types of loan options each with varying interest rates and terms of eligibility.  Make sure you know what you are borrowing before you borrow.  View all the available loan options.

Only borrow what you really need.  While you may need money to pay for other educational expenses, make sure not to take out more loan money than you absolutely need.  Review your Cost of Attendance to see how much you really need for school. 

There are serious consequences if you don’t repay your loans on time.  Inconsistent or late loan repayments can affect your credit score, making it difficult to obtain credit cards, purchase a car or home, or rent an apartment.  Don’t worry; we have advice and tools on managing your loans, loan repayment, money management, and how to prevent default.

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