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Who is responsible for paying for my college?  You, your parents, "Uncle Sam".

Will I get financial aid?  You won't know until you apply, but most people qualify so do not rule out any college as too expensive until you see your financial aid.

How do I get financial aid?  The first step is to fill out a financial aid form (FAFSA) so your "Estimated Family Contribution" (EFC) can be estimated.  Next, subtract your EFC from how much it will cost to go to college and the answer is the amount of financial aid for which you may qualify.
 
In theory, it should cost you the same to go to any college because what you are expected to pay, your EFC, always stays the same even though the cost of attendance (COA) will vary from college to college.
 
(COA - EFC = Financial Aid)
 
 
Show me the money! All the Sources of Money

FEDERAL GOVERNMENT MONEY -
Fill out the FAFSA www.fafsa.ed.gov

STATE MONEY (TAP) - Included on the FAFSA.

LOCAL MONEY -
Check the "SCHOLARSHIP BOOK" in the Resource Center.
Ask at your church, parents place of employment, organizations and clubs in which you belong.

NATIONAL SCHOLARSHIPS - Search on line.
Site recommended by colleges:  www.fastweb.com.
Avoid scams!  Never pay for scholarships.

INSTITUTION / THE COLLEGE'S MONEY - Check with every college when you apply.
 
 
Grants, Loans and Work Study Programs
A financial aid package is made up of a combination of grants, loans and work study.

GRANTS are FREE money.

LOANS need to be paid back.
The Mary Thayer Educational Fund, founded in 1941, offers interest free loans to students from the Binghamton City School District.
Click HERE for a loan application.

WORK STUDY is a job on campus.
 
 
Need Based & Non need Based Aid

NEED BASED AID -
is just that.  It's based on your "need" for money for college.  This will be determined by what your EFC is and the cost of the college.  Most money for college is need based.

NON-NEED BASED - the family's ability to pay is not a factor.  Rich or poor people equally qualify.  These scholarships are based on merit, such as good grades or special athletic ability.
 
 
 
Mrs. D from Educational Talent Search
Need help filling out the financial aid forms?  We have help for you.
 
Ms. Durham from Educational Talent Search will be at Binghamton High School every Monday-Friday.  She will help you and you parents with the FAFSA.

Email her at sdurham@binghamton.edu to arrange for an appointment.
 
 
 
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