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How To Send Your Child To College For Free" or
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Financial Aid Power Tip!
Proofread EVERYTHING on your application for misspellings and typos.

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Debunking the FAFSA Myth
by: Keith Tuomi
With the plethora of big-business entities jockeying for the money of students
on the path to becoming well-to-do responsible consumers with a house, car,
and 1.5 children, it's often missed that the US Government is the first place
to start when planning student finances.
Scholarships, traineeships, fellowships, loans: Uncle Sam is nothing if not
prolific in the diversity of programs available. For most students, the acroynm
FAFSA is their first encounter with the cold hard seriousness of bureaucratic
forms, most commonly dealt with before the dreaded and stereotypically cryptic
IRS forms such as the 1040.
The FAFSA (Free Application for Federal Student Aid) is a free form and free
service provided by the Department of Education. If you do not fill it in you
will not be eligible for federal (government-backed) student loans. However,
you will still be eligible for private, or alternative student loans.
Almost every school sets its own deadline for when the different forms of
financial aid are due. Some may be as early as the second week of January and
some have no deadlines at all. It is strongly recommended to check with your
own school's financial aid office to find out exactly when your deadlines may
fall. In order to meet a "Transaction Receipt Date" deadline for
your college, it is recommended to submit to us at least 2 weeks prior to the
published deadline to insure submission.
There are a myriad of large, well-oiled companies that will gladly take your
money and 'process' your FAFSA application on your behalf. The fees for this
service typically range from $50 to $100. You could also go with a private
accountant, however the 'personal touch' will of course usually cost you more.
Wait! Do you really want to start your experience with Government forms as
one of resignation that no, you are really not bright or organized enough to
be able to fill it in yourself? Learning to 'do it yourself' with the Government
can be not only a satisfying but potentially educational experience that will
teach you the skills that many self-made millionares taught themselves: relying
on an accountant or anonymous firm does nothing except save you some time,
and in fact with big-ticket money decisions who is to say that your 'assistants'
are not putting their interests before yours?
Just as their are firms such as H&R Block that will open up retail outlets
in your neighorhood every year at tax time, there are companies that specialize
in FAFSA applications. Now, as with the majority of tax returns, the FAFSA
is anything but rocket science. It is simply a matter of making sure you know
all your variables and where to write it on the form. For companies who perform
this work day in day out, your financial future is simply an algorithm which
is input and output in moments. They typically spend more printing the paper
for your documents and checks then they do in any actual 'labor'.
SO, consider tackling the FAFSA yourself. Just like learning to do your taxes
on your own, a few hours spent researching how to do the forms ONCE will enable
you to conquer them the next time, and you can even make money on the side
on campus teaching others how to complete such forms.
Here is the Government's central page for the FAFSA. Everything you need
to know is here and studying all the resources here WILL let you fill in this
form without errors, and without giving your money away:
http://studentaid.ed.gov/students/publications/student_guide/2003_2004/english/general-applying.htm#renewal
About The Author This article reprinted courtesy of HungryStudents.com - Independent Student
Loan Consolidation Info.
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