Funding A College Education: Where To Start

The beginning of the new year marks the time when many high
school students will apply to college and decide where they will
continue their education. For students and parents alike, paying
for a secondary education is a major concern.

About two-thirds of all student financial aid comes from U.S.
Department of Education grant, workstudy, and loan programs. Aid
is awarded for these programs based on demonstrated financial
need. Grades or class ranking are not considered.

The different types of government aid available feature:

* You don't have to pay back grants (unless, for example, you
withdraw from school and owe a refund).

* Work-study allows you to earn money for your education.

* Loans allow you to borrow money for school. You must repay any
money you borrow.

You can learn about state aid programs by contacting your state
higher education agency. You can learn about other programs by
checking with your high school counselor or the college or
career school you plan to attend. You can also use a search
engine on the Web using key words such as "financial aid,"
"student aid," or "scholarships."

Many private scholarship search services provide sources of
financial assistance. If you decide to use a service, check its
reputation by contacting the Better Business Bureau or a state
attorney general's office. 

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