Scholarship Financial Aid Booklet Sumter County Students - and for 2021-22
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Scholarship
and
Financial Aid Booklet
for
Sumter County Students
2021-22TABLE OF CONTENTS INFORMATION ON STATE OF FLORIDA FINANCIAL AID AND OTHER SCHOLARSHIPS FAFSA: Step-by-Step ....................................................................................................1-3 FAFSA ........................................................................................................................................................... 1 Student Aid Report (SAR) and Expected Family Contribution (EFC) ........................................................... 2 Glossary of Key Terms ................................................................................................................................... 3 FINANCIAL AID.......................................................................................................... 4-6 How to Apply for Financial Aid and Types of Financial Aid........................................................................ 4 Important Dates, Federal Financial Aid Programs and Bright Futures Scholarship Program ........................5 Other State of Florida Financial Aid Programs and Activate your User ID and Password............................ 6 LOCAL AND GENERAL SCHOLARSHIPS General Scholarships ..................................................................................................... 7-9 Lake Sumter State College ........................................................................................... 10-11 SUMTER SCHOOLS ENHANCEMENT FOUNDATION SCHOLARSHIPS Sumter Schools Enhancement Foundation Scholarships ............................................. 12-13 2021-22 High School Calendar……………………………………………………………… 14 2021-22 College Calendar…………………………………………………………………… 15 OTHER SCHOLARSHIP RESOURCES Financial Aid Tips Quick Reference Guide ................................................................. 16-18 Choosing a Student or Parent Loan Quick Reference Guide ....................................... 19-22 Countdown to College Checklist – Grade 12 ............................................................23-25
Information
on
State of Florida
Financial Aid
and other
ScholarshipsStudent Bulletin
FAFSA: Step-by-Step
What is it? FAFSA stands for Free Application for Step 1: Assemble forms needed to complete FAFSA
Federal Student Aid. The federal government uses this You and your parents (if you are dependent) need the
form to determine your eligibility for federal financial aid following to fill out the form:
for college, which may include grants, scholarships, • Social Security Number
work-study and loans. • Current bank and brokerage account statements
• Driver's license (if any)
Why fill it out? The FAFSA is used to apply for financial • Current mortgage and investment records (if any)
aid from the federal and state government(s) and from • Alien registration card (if not a U.S. citizen)
most public and private colleges. Private colleges may • Current federal tax return (estimates are OK on tax
have their own supplemental forms in addition to the questions, if you or your parents haven’t filed yet)
FAFSA for awarding their own aid funds. For example, • Current untaxed income records (if any)
about 250 private colleges require an additional form • Current W2 and 1099 forms and other record of
called the CSS/Financial Aid PROFILE. The FAFSA is a money earned
prerequisite for the unsubsidized Stafford and Parent • Parents' current income tax return (if dependent)
PLUS loans, which do not depend on financial need.
Step 2: Complete the FAFSA
EFC stands for Expected Family Contribution.
• Download, print and complete the FAFSA on the Web
According to the government’s calculation, you and your
worksheet.
family should be able to contribute this amount in the
• Complete FAFSA on the Web at www.fafsa.ed.gov.
coming academic year to your college costs. The EFC is
The online version is used by over 99% of the
a harsh assessment of you and your family’s ability to
applicants since it includes skip logic to avoid asking
pay for college. It does not consider the impact of
you unnecessary and redundant questions.
consumer debt on a family’s financial strength.
Processing is quicker and more efficient with built-in
edit-checks to reduce errors on the form.
How does it work? The college you plan to attend will
• In order to maximize the amount of aid, fill out the
try to meet your demonstrated financial need with a
FAFSA as soon as possible after January 1.
package of different types of aid from multiple sources,
• Once finished, print the FAFSA summary as well as
including federal, state, school and private sources.
the "Submission Confirmation" page (or write down
your confirmation number and date). If you complete
You can do the following on www.fafsa.ed.gov:
the paper version, make a copy for your records.
□ Electronically sign your FAFSA
□ Check the status
Step 3: Review your Student Aid Report (SAR)
□ Make corrections
□ Add additional colleges and universities The SAR is proof that your FAFSA was received. You
□ Fill out an online renewal FAFSA next year should receive your electronic SAR in 1-3 days if you
• To obtain a FSA ID, eligible students should visit filed electronically (paper filing: 2-3 weeks).
https://fsaid.ed.gov/npas.
• Fill out the form to create a FSA ID and follow all What if I find errors on my Student Aid Report
instructions. (SAR)?
• Keep your FSA ID confidential. It allows you to • Report errors immediately to your financial aid office.
electronically sign federal student aid and loan You can also make corrections online using your FSA
documents and access your confidential FAFSA ID at www.fafsa.ed.gov.
information. • If you don't receive your SAR in 3-4 weeks, call 1-800-
433-3243 (1-800-4-FED-AID) or visit
www.studentaid.ed.gov.
Quick Tip: New in 2016, the FAFSA application will now be accepted as early as October 1st. Early submission
maximizes your chances of receiving aid.
Fastweb Student Bulletin Series FAFSA Step-by-Step www.fastweb.com
1Student Bulletin
Student Aid Report (SAR) and Expected Family Contribution (EFC)
What is the Student Aid Report (SAR)? Highlights of each page in your SAR:
The SAR is a summary of the information you entered Page 1 Intro: Tracks the aid process for you. If there
on the Free Application for Federal Student Aid is an asterisk next to your EFC, you have
(FAFSA). It tells you how much federal student aid you been selected for verification (see below)*.
might be eligible to receive, and how much the
government thinks you can reasonably pay for your Page 2 Confidentiality information; reminders.
school expenses. The SAR also notifies you if you are
eligible for a Federal Pell Grant. You will receive a SAR Page 3 EFC, other info: EFC is listed at the top,
in 1-3 days after you filed an Electronic FAFSA or 2-3 along with other information, such as any
weeks after you filed a paper version. Check issues with aid eligibility.
immediately for your EFC and any mistakes or errors.
Page 4 Summary of loans: Refer to your records
What is the Expected Family Contribution (EFC)? and make sure your totals are accurate.
The EFC is the amount you and your family will be
expected to pay for the coming academic year based on Pages 5-8 FAFSA summary: Review the summary.
your financial situation. Some colleges do not satisfy the Make corrections or changes in the spaces
student’s full demonstrated financial need, leaving the provided. You can also make changes
family with unmet need (a gap). Some need may be met online at: www.fafsa.gov.
with loans, which need to be repaid, usually with interest.
SAR Information Acknowledgement: Correct any wrong
How is the EFC calculated? information on pages 5 through 8 of the SAR or online.
The U.S. Department of Education uses the Federal When do I receive my financial aid?
Methodology (FM) to calculate your aid eligibility. The
FM takes into account your family’s income, the number Once your college reviews your SAR and verifies your
of family members, in college, net value of assets and eligibility, it will create and notify you of your aid eligibility
your enrollment status, among other factors. To estimate and send an award letter. You do not need to accept all
your EFC, utilize the Expected Family Contribution of the aid that’s offered to you; accept only the aid you
Calculator: www.finaid.org/efc. want. Rejecting one form of aid, however, will not result
in increases in the other forms of aid. Federal aid will
What happens after I receive my SAR? first be applied to certain school charges, such as tuition,
fees, room and board. Excess may then be disbursed to
Look for mistakes or errors. Any colleges you listed on the student or credited to his or her student account.
your FAFSA will also receive an electronic copy of your
SAR. If you find an error notify your school’s financial aid *Why is there an asterisk next to my EFC?
office immediately to let them know. Errors can also be An asterisk (*) means you have been selected for
corrected online using your FSA ID at www.fasfa.gov. verification and you must provide documents to your
What if I find mistakes on my SAR? college to verify that information submitted on the
FAFSA is correct. If your college asks verification
Let your college know and go to www.fafsa.ed.gov. documents, send as soon as possible to avoid a delay in
Under “FAFSA Follow Up,” click “Make Corrections to a the aid process. The US Department of Education has
Processed FAFSA.” Check the items you want to switched to a targeted verification process. About a third
change and make corrections. On paper, on the last to half of all FAFSAs will be selected for verification.
pages of the SAR, find your original FAFSA info. Make Some colleges verify 100% of their aid applicants, they
changes and only fill in the areas that need to be find that this increases the accuracy of the information
changed and/or corrected. You and your parents must used to award financial aid. This helps ensure that the
sign and mail the corrected FAFSA to the central most deserving/needy students receive financial aid.
processor or send to each school to which you are
applying to for admission and financial aid.
Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) www.fastweb.com
2Student Bulletin
Glossary of Key Terms
Award Letter: The financial aid award letter is a Free Application for Federal Student Aid (FAFSA):
notification telling you about the financial aid offered to The Free Application for Federal Student Aid or FAFSA
you by your college (including estimated costs, financing is a national form used to collect demographic and
information, types of aid, amounts offered, specific financial information from applicants for Federal, state,
program information, etc.). You may choose to accept
and some institutional financial aid programs. The form
some or all of what is offered. Unfortunately, colleges do
not increase the grants in the financial aid package if you collects information from the student (and family, if
turn down student employment and/or loans. applicable) such as prior year income, current net value
of assets, family size and the number of children who will
Credit/Unit (or Credit Hour): A credit hour is a unit of be enrolled in college on at least a half-time basis in the
measurement for fulfilling course requirements. Most coming academic year.
colleges require that you complete a certain number of
credits/units in order to graduate. Net Cost: The net cost is the difference between the
cost of attendance and the need-based financial aid
Cost of Attendance: The cost of attendance includes all package. (Net Cost = COA – Financial Aid)
costs associated with attending college: tuition & fees,
room/board, books, supplies, transportation, personal Net Price: The net price is the same as the out-of-pocket
expenses and a personal computer. Ask the school cost, the difference between the cost of attendance and
about increasing your cost of attendance if you have just grants. The net price is the amount the family pays,
dependent care or disability-related expenses. earns or borrows to cover college costs.
(Net Price = COA – Grants)
CSS/Financial Aid PROFILE: The PROFILE form is
used to apply for financial aid at about 250 colleges. It Open Admissions: Students are admitted regardless of
calculates the student’s expected family contribution their academic qualifications. Most community colleges
(EFC) under the Institutional Methodology (IM). It is used and for-profit colleges have an open admissions policy.
to apply for the college’s own financial aid funds and
does not affect eligibility for government aid. It is filed Out-of-State Students: Generally applies to students
online at profileonline.collegeboard.com. attending a public university outside of their home state.
Out of-state students usually pay a higher tuition rate
Demonstrated Financial Need: Demonstrated financial unless they establish legal residency for the state where
need is the difference between the cost of attendance they attend school or a reciprocity agreement is in place
and the expected family contribution. between the student’s state and the state of theschool.
(Financial Need = COA – EFC)
Rolling Admissions: There is no set admissions
Enrollment Status: Indicates you attend school full-time deadline date; qualified students are accepted until
or part-time. In general, you must attend at least half- classes are filled.
time to qualify for financial aid.
Student Aid Report (SAR): The Student Aid Report lists
Expected Family Contribution (EFC): Amount toward the data elements submitted on the FAFSA, some
the cost of attendance each year a student; and his or intermediate calculations, the student’s expected family
her family are expected to contribute from their own contribution along with other information such as the
financial resources. graduation rates of the colleges being considered.
Financial Aid Package: A financial aid package is a Unmet Need: The unmet need, sometimes called a gap,
combination of multiple types and sources of financial is the difference between the full demonstrated financial
aid. It may include money from the federal government, need and the student’s need-based financial aid
state government, the college itself and private sources. package. (Unmet Need = Financial Need – Financial Aid)
Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) www.fastweb.com
3FINANCIAL AID
FINANCIAL AID
HOW TO APPLY FOR FINANCIAL AID
Paying for college is not always easy. College costs rise every year and many students and families need some form of financial
assistance to help pay these costs. The following suggestions will help facilitate the financial aid process.
• Students should contact their high school counselor to inquire about federal, state and other sources of student financial
assistance programs.
• Students should complete the Florida Financial Aid Application (FFAA), available online at
www.FloridaStudentFinancialAid.org, to be considered for State of Florida student financial aid programs, including the
Florida Bright Futures Scholarship Program. Select State Grants, Scholarships & Applications to access this application
which opens on October 1, 2019, for 2020-21 academic year funding.
• Students should contact the institution they want to attend and request a financial aid application packet. The packet will
provide them with information about the financial aid programs the school offers and the forms they will need to complete.
• Some colleges will request that students complete the Free Application for Federal Student Aid (FAFSA), available online at
www.fafsa.ed.gov. Some colleges will also require completion of other forms. Be sure to contact the college to inquire
about other forms that the financial aid office may require.
• If possible, students should apply for federal financial aid beginning in October before the academic year they plan to begin
college. A late application may reduce the amount of money the student ultimately receives. Some programs, however,
such as the Federal Pell Grant and the Federal Stafford Loan, are open for application throughout the year.
TYPES OF FINANCIAL AID
Financial aid is money provided by various agencies (federal, state and local governments, postsecondary institutions, community
organizations and private corporations or individuals) to help students meet the costs of attending college. It includes gift aid (grants
and scholarships) and self-help (loans and student employment).
• Scholarships are based on academic or athletic achievement, but financial need may also be considered. Scholarships are
considered gift aid because they do not have to be paid back. Scholarships are awarded by states, institutions, departments,
private companies and individuals.
• Grants are gift aid awarded to students who demonstrate financial need. Grants do not have to be repaid.
• Student loan programs offer long-term, low-interest educational loans, which may allow students to defer repayment until
after graduation, withdrawal or termination of attendance. Students must file the FAFSA to be considered for any federal
loan program.
• Students can obtain part-time employment to assist in meeting their college costs and, if possible, gain work experience in a
field related to their chosen profession. Jobs may or may not require special skills.
Important Financial Aid Contacts
• Online FAFSA Application: www.fafsa.ed.gov.
• FAFSA Status, Aid Report and General Financial Aid Questions (Federal Student Aid Information Center): toll-free 1-800-4-
FED-AID (1-800-433-3243); Hearing Impaired Students: 1-800-730-8913 (TDD).
• State of Florida Scholarships and Grants: www.FloridaStudentFinancialAid.org, State Grants, Scholarships & Applications or
Florida Department of Education, Office of Student Financial Assistance, State Programs, 325 West Gaines Street, Suite
1314, Tallahassee, FL 32399-0400; 1-888-827-2004.
• Student Loans: http://www.FloridaStudentFinancialAid.org/FFELP/ffelp_homepage.html or you may call the OSFA
Customer Service Center at 1-800-366-3475.
4Important Dates
• Federal Grants: Submit a 2020-21 FAFSA on the Web applications by midnight Central Daylight time, June 30, 2021.
• Florida Student Assistance Grant: For the 2020-21 academic year, the FAFSA deadline for the Florida Student Assistance
Grant (FSAG) is established by the postsecondary institution the student attends. APPLY EARLY!
Bright Futures: For 2019 high school graduates, all students must complete the Florida Financial Aid Application (FFAA) by high
school graduation (after October 1, 2019 and no later than August 31, 2020) to be considered for an award under the Florida Bright
Futures Scholarship Program.
Part-Time Students with Disabilities
Students with a documented disability, as defined by the Americans with Disabilities Act, are eligible to be considered for state
financial aid while attending an eligible postsecondary institution on a part-time basis. Financial aid awards shall be prorated based
on the number of credit hours taken. SBE Rule 6A-20.111,F.A.C., establishes the criteria for documentation. Students should see a
financial aid officer at their institution for necessary information and accommodation.
In addition, students attending Florida private or public postsecondary institutions who require adult norm-referenced testing to
qualify for accommodations under the Individuals with Disabilities Education Act of 2004 or the Americans with Disabilities Act of
1990 may qualify to have the cost of their testing included in their institution’s Cost of Attendance (COA). Indirect restoration of
such costs will be dependent upon the student’s individual need and the availability of financial aid at the institution the student is
attending. Students should see a financial aid officer at their institution for necessary information.
FEDERAL FINANCIAL AID PROGRAMS
Federal Pell Grant Program
Description: The Federal Pell Grant Program is a need-based grant provided to degree or certificate-seeking undergraduate students
who have not received their first bachelor degree. It is considered as gift aid and does not have to be repaid. Pell Grants are awarded
to students with exceptional need.
Eligibility: Eligibility for a Pell Grant is determined by the completion of the FAFSA and calculated by federal methodology. The hours
enrolled determine the payment amount.
Federal Supplemental Educational Opportunity Grant
Description: The Federal Supplemental Educational Opportunity Grant (FSEOG) is a need-based grant provided to degree-seeking
undergraduate students who have not received their first bachelor degree. It is considered as gift aid and does not have to be
repaid. FSEOG is awarded to students with exceptional need.
Eligibility: Eligibility for FSEOG is determined by the completion of the FAFSA.
Federal Work Study Program
Description: The Federal Work Study Program is available to undergraduate and graduate students and students seeking a second
baccalaureate or professional degrees. It is considered self-help aid and does not have to be repaid. Students can be employed on-
campus or by authorized off-campus employers or community service agencies.
Eligibility: Eligibility for the Federal Work Study Program is determined by the completion of the FAFSA.
BRIGHT FUTURES SCHOLARSHIP PROGRAM
The Florida Bright Futures Scholarship Program establishes lottery-funded scholarships for Florida high school graduates who
demonstrate high academic achievement and enroll in eligible Florida public or private postsecondary institutions. These
scholarships may be used for either full-time or part-time enrollment and are renewable. All initial applicants must meet the general
requirements for participation in this program and specific requirements for the individual award. To be eligible for an initial award
from any of these scholarships, a student must:
5• Apply online and complete the FFAA at www.FloridaStudentFinancialAid.org, by selecting State Grants, Scholarships &
Applications during their last year in high school (after October 1, 2019, and no later than August 31, 2020). Students must
apply by high school graduation or forfeit Bright Futures eligibility.
• Be a Florida resident and a U.S. citizen or eligible non-citizen. The postsecondary institution the student attends is
responsible for verifying Florida residency and U.S. citizenship status.
• Earn a Florida standard high school diploma or its equivalent. For information students should visit the State Student
Financial Aid website at https://www.floridastudentfinancialaidsg.org/SAPBFMAIN/SAPBFMAIN and reference Chapter 1 of
the Bright Futures Student Handbook. The Out-of-State Student Guide is also available at this site.
• Be accepted by and enrolled in an eligible Florida public or independent postsecondary education institution. All public
colleges, state universities and public career/technical schools are eligible, as are many private postsecondary institutions.
For a list of eligible institutions, students should visit www.FloridaStudentFinancialAid.org, State Grants, Scholarships &
Applications.
• Be enrolled for at least six non-remedial semester credit hours or the equivalent.
• Not have been found guilty of, nor pled no contest to, a felony charge.
• Begin receiving funding within five years of high school graduation. If enlisting into the military immediately after
graduation, the five-year period begins upon the date of separation from active duty. If fulfilling a full-time religious or
service obligation immediately after high school graduation and lasting at least 18 months, the five-year period begins upon
the date of return.
OTHER STATE OF FLORIDA FINANCIAL AID PROGRAMS
A student can apply for State of Florida financial aid programs, including the Florida Bright Futures Scholarship Program, by
completing the FFAA online at https://www.floridastudentfinancialaidsg.org.
There are three steps in the process:
1. Complete the FFAA. Once the student submits the application, the student will receive a list of programs for which he/she
will be considered. Using information provided, log into the account to check the status of your application.Then,
ACTIVATE YOUR USER ID AND PASSWORD
KNOW IT, USE IT, BE RESPONSIBLE FOR YOUR STATE FINANCIAL AID!
2. Provide any required information and certifications, adhering to individual program deadlines.
3. Students should regularly check online to:
a. update contact information;
b. update the postsecondary institution where he/she plans to enroll;
c. view all communications from OSFA on their Financial Aid Recipient History screen; and
d. view the status of their application and awards.
If a student has questions about completing the FFAA or about Florida state scholarship and grant programs, please call 1-888-827-
2004 for assistance. Fact Sheets about State Scholarship and Grant Programs offered by the Office of Student Financial Assistance
may be reviewed at the link: https://www.floridastudentfinancialaidsg.org.
Remember to also file the FAFSA. All federal financial aid programs and some Florida programs require you to complete the FAFSA.
The FAFSA is available online at www.fafsa.ed.gov or a student can request a copy by calling 1-800-433-3243.
6Local And General Scholarships
General Scholarships can be used at most postsecondary schools. Information on
the following scholarships is available in guidance office.
General Scholarships
Scholarship Amount Criteria Deadline
African American Club of the Villages $1,200.00 1. Interview April
(WMHS only) 2. Two letters of recommendation
3. Essay
Afro-American Scholarship $500.00 1. Interview May
(WMHS only) (2 scholarships) 2. Essay
3. Church Affiliation
Alpha Delta Kappa $500.00 1. Preferable interest in teaching April
2. Essay
Alpha Kappa Alpha Sorority, Inc., $1,000.00 1. Cumulative 3.5 GPA March
Delta Omicron Omega Chapter (3 scholarships) weighted or unweighted Alpha Kappa Alpha
2. Test scores Sorority (Orlando office)
3. References
Bushnell Electric Scholarship $500.00 1. Reside in home served by April
(SSHS only) Bushnell Electric
2. Cumulative 2.5 GPA
3. Essay
Cindy Revels Scholarship Sponsored by $500.00 1. Active 4-H/FFA member April
Sumter County Cattlewomen residing in Sumter County
2. Complete application
3. Essay
Coach James Day $1,000.00 1. 2.5 GPA February
www.bhitm.org 2. Track & Field team
3. Community involvement
Delta Kappa Gamma $1,000.00 1. Native American Florida May
resident woman
2. Majoring in Education or
conducting research in history
of Native Americans in
Florida
Delta Sigma Theta $600.00 Minority student April
Dollars for Scholars of The Villages $500.00 to $2,000.00 1. 2.0 + GPA March
(WMHS only) 2. First generation College, Trade
School or Technical School
3. Financial need
FFA Alumni $200.00 1. FFA member April
2. “C” or above average
3. College or trade school
FFA (many available) Varies Member of FFA February
www.ffa.org
Check with FFA Advisor
First Christian Church $1,000.00+ Consult WMHS school counselor May
(WMHS only)
Florida Association of School Resource $1,000.00 each 1. 3 Letters of March
Officers sroscholarship@fasro.net (2 scholarships) recommendation
2. Transcripts
3. Attestation and disclaimer
7Florida Retired Educators $500.00 Must intend to teach school in January 20
www.frea.org/scholarships Florida, or an accredited
Florida college or university
Florida School Counselor Assoc. $500.00 Essay April
www.fla-
schoolcounselor.org/features/student-
essay-scholarship
Friends of the Villages Library (WMHS Varies 1. School activities April
only) 2. Community service
3. Acceptance letter
Give Kids a Chance $1,000.00 1. 2.5 + GPA April
www.gkac.org 2. Financial need
3. Community/school
activities
Harold S. Schwartz Music Tuition, lab fees and 1. 3.0 + GPA March
books 2. Plan on studying music in
college
JCI Senators Foundation of Florida, Inc. $500.00 1. Florida residents only January
http://fljcifoundation.org (2 scholarships) 2. Full time at accredited post-
secondary college,
university, or vocational
3. References
John L. Stephens (SSHS only) $500.00 1. Trade school or college April
2. “C” or above average
Johnson Scholarship Foundation Varies 1. Disabled students May
2. Financial need
Johnson Scholarship Foundation $5,000.00 1. Parent employed by UPS in April
Florida
Key Club/Kiwanis (WMHS only) $500.00 1. Essay April
2. Key Club involvement
King-Teamer Memorial (WMHS only) $250.00 1. Essay April
2. SAT/ACT/FCAT scores
Puc Puggy Chapter DAR Scholarships $500.00 1. Birth certificate April
for High School Students 2. Financial need statement
3. Recommendation letter
4. Official high school transcript
Rotary Club of The Villages Foundation, $1,000.00 1. Academic March
Inc. 2. Citizenship and extracurricular (interview follows)
achievements
3. Must have commitment to the
fundamentals of Rotary.
Sheila Davis Memorial Scholarship $2,000.00 1. 2 Letters of recommendation April 25 to school
2. Letters of acceptance counselor
3. Official high school transcripts
4. Essay
Sheriff Bill Farmer Youth Scholarship Please see the Sumter County Consult school counselor
Sheriff’s Office website for more
information:
www.sumtercountysheriff.org
Sophisticated Gents of The Villages $500.00+ 1. Short essay Consult school counselor
(WMHS only) 2. Two or four year college, trade
or business
8Southern Scholarship Foundation Varies See scholarship application March
www.Southernscholarship.org
(Housing scholarship to FSU, UF,
FAMU, BCC or FGCU)
Sumter County Cattleman’s & Varies 1. Academics April
Cattlewoman’s Association 2. Activities
3. Essay required
Sumter County Educators (Application Varies Parent/guardian must be a member May
through SCEA Representative) of SCEA
Sumter County Essential Support Varies Parent/guardian must be a member May
Personnel (Application through SCESP of SCESP
Representative)
Sumter School District Golf Tournament Varies Must attend LSSC April
Scholarship (do not have to play golf)
Sumter Electric Cooperative $3,000.00 1. Reside in home served by April
SECO
2. High GPA
Suncoast For Kids Scholarships Up to $10,000.00 Student must be a member TBD
Sponsored by Suncoast Credit Union
www.suncoastcreditunion.com
The Villages Regional Hospital (TVRH) Varies 1. Field of study must be March 1st
Auxiliary Foundation Healthcare related
2. Essay
Wildwood Rotary Club Varies 1. 3.5 + GPA April
2. Must attend a community
college or university no later
than Spring Semester
3. Good moral character
Wildwood Woman’s Club (WMHS $1,000.00 1. Complete an activity sheet April
only) 2. Female, attend LSSC
Withlacoochee River Electric $1,000.00/semester 1. Minimum 2.0 GPA March
Cooperative, Inc. 2. Bona fide resident within the
service area of WREC for at
least one year prior to
December 31.
3. Dependent of a WREC
member.
9Lake Sumter State College Scholarships
LSSC Scholarships Must have admissions Amount Criteria Deadline
applications on file at LSSC to apply online
at
https://lscc.scholarships.ngwebsolutions.com
One application for:
Academic Scholarship $500.00 1. 3.8 GPA March
(awarded spring semester) 2. Must make
President’s list
during fall
semester.
Angler Service Scholarship $700.00 per Must work for March
semester LSSC’s
newspaper.
Art Service Scholarship Up to $700.00 Must provide March
per semester assistance to the
art department.
Brain Bowl Service Scholarship $700.00 per Must be a Brain March
(Academic Team) semester Bowl member.
College Ambassador $700 per Must complete 80 March
semester plus hours of service
$600 stipend per semester
College Diplomat $700 per Must complete 70 March
semester hours of service
per semester
College Reach Out Up to six hours Must be in March
of tuition for Bridges program
Summer B term
only
Financial Need Scholarship $600.00 per Must have March
semester documented need
based on federal
criteria
GED Scholarship $600.00 for one March
semester
LSSC Service Scholarship Up to $1,000.00 Must complete 70 March
per semester hours of service
per semester
LSSC Opportunity Fee waiver for 2.0 + GPA March
12 credit hours (unweighted)
(fall semester)
Spring term may
be issued if
hours are
available
Music Service Scholarship $500.00 per Must provide March
semester assistance to the
Music
Department
10Odyssey Service Scholarship $700.00 per Must assist in the March
semester development of
the Odyssey
Magazine
President’s Scholarship $600.00 per 2.5 + GPA March
semester for one (unweighted)
year
Principal’s Scholarship $1,200.00 per
semester for one
year
Student Government Association Service Up to $850.00 Must be a Student March
Scholarship per semester Government
Officer
Theater Service Scholarship $500.00 per Must provide March
semester assistance to the
theater
department.
Trustee $1,200.00 per 3.5 + GPA March
www.lssc.edu semester for one (unweighted)
click on financial aid year
Guy and Ann Thompson Varies 1. Must be March
(Lake Sumter Community College resident of
Foundation) Sumter County
and graduate
of
Sumter County
high school.
2. 2.0 + GPA
3. Must attend
LSSC
Sumterville
campus full
time (12 or
more credit
hours.
Williams/Johnson Scholarship $600.00 per May 1
semester for one
year
11Sumter Schools Enhancement Foundation Scholarships
Sumter Schools Enhancement Foundation Scholarships
Scholarship recipients may be requested to share your post-secondary
educational progress with your scholarship provider
A Scientific Mind provided by $500.00 each 1. 2.0+ GPA January
CEMEX 2. Essay
Alan Green Memorial $1,500.00 1.2.0+ GPA January
(SSHS only) 2. Career-Technical School
3. Participated in at least one sport
each year of High School
4. Coach Recommendation
All One Family $1,000.00+ 1. 2.0+ GPA January
(WMHS only) 2. Technical School
Austin Davis Memorial Ventura Up to Two $2,500.00 1. Must be involved in FFA January
Ranch scholarships 2. Leadership
3. 2.0+ GPA
Coach Brian Simmons Memorial $500.00 1. 2.0+ GPA January
Scholarship 2. Citizenship/Attendance
(SSHS only)
3. Essay
James and Liz Harris Memorial $500.00 1. Essay January
(SSHS only) 2. Attendance/Discipline
Jerry Moore Memorial $1,000.00 each 1. GPA January
(WMHS only) 2. Essay
(Up to 2 scholarships) 3. Must play on golf team
Lawrence Stephens Memorial $500.00 1. FFA offices held January
(SSHS only) 2. Involvement in FFA
Mildred D. Wala Memorial $1,500.00 1. Education major with focus January
(SSHS only) on teaching
(2 scholarships) 2. GPA 3.0 unweighted
3. Student must write a poem
One Blood HERO Varies 1. Must have donated blood or January
double red cells
2. Essay
PAGES 1. Must live in Lake January
$1,000.00 each Panasoffkee (physical
(Formally known as “Friends of (Up to 2 scholarships) address, zip code 33538)
Panasoffkee Community Library”) or Sumterville (physical
address, zip code 33585)
for current and prior
school years. PROOF OF
RESIDENCY MAY BE
REQUESTED
2. 2.5 + GPA
3. Extracurricular Activities
4. Attendance/Discipline
Rev. Thomas & Mrs. Elizabeth $1,000.00 1. Financial need January
Connelly Memorial (WMHS only) 2. GPA 2.5 unweighted
3. Essay
Richard Petty Memorial $700.00 1. 2.0 + GPA January
(SSHS only)
2. Essay
12Robert Hogan Memorial 1. 2.5 + GPA January
$1,000.00
2. Extracurricular activities
(SSHS only)
3. Essay
SEF (several) $1,000.00 1. 3.5 + GPA January
2. Community & extracurricular
Herbert & Carrie Ellen Sparkman Varies involvement
Memorial 3. Essay
4. Interview for semi-
Eva Foster Memorial $1,000.00 finalists
5. Must be willing to share post-
Kathleen Mulholland Memorial $1,000.00 secondary progress to the
Foundation when requested.
SSEF Memorial $500.00+
Suncoast Credit Union Scholars $2,000.00 1. GPA 3.5 or above January
2. Financial need
3. Citizenship/Attendance
4. Must attend a 4-year college/
university , 2-year college or
technical school in Florida
Teasha Edwards Memorial $500.00 1. GPA 2.0 or above January
(SSHS only) 2. Essay
Teresa M. Williams Memorial $500.00 1. GPA 3.0 or above January
(SSHS only) 2. Extracurricular activities
3. Essay
The Genevieve Howard Scholarship $500.00 1. Must be a Female January
(WMHS only) 2 Financial Need
3. Must be willing to share post-
secondary progress to the
Foundation when requested.
The Langley Foundation Medical $1,000.00 each January
1. 2.5 + GPA
2. Pursue medical field
The Laura Vickers Memorial $1,000.00 1. 3.0+ GPA January
(SSHS only) 2. Community involvement
3. Essay
The “Real Bushnell Bucks” $500.00 1. Must have attended Bushnell
(SSHS only) Elementary at least 3 years.
2. 2.0+ GPA
3. Winner must be willing to attend
senior walk at Bushnell
Elementary.
4. Essay
Warden Robert D. Swope Memorial $1,000.00 Must pursue a degree in criminal January
(SSHS only) justice..
Wm. L. Smith Family Memorial $1,000.00 1. 3.0 + GPA January
(SSHS only) 2. Attendance/discipline
3. Must attend LSSC
4. Essay
York and Jeanette Callahan Memorial $1,000.00 1. 2.0 + GPA January
(SSHS only) 2. Volunteer & extracurricular
activities
3. Work experience
4. Essay
13Other Scholarship Resources
2021-2022 Calendar High School Student
Scholarship Scams 2021-2022 Key Dates for Financial Aid
Scam Warning Signs High School Students Important Resources
You have to pay a fee Fastweb
September 2021
Money-back offers or guarantees www.fastweb.com
National College Savings Month
Credit card or bank account
Finaid
information required October 2021
www.finaid.org
Provides "exclusive" information FAFSA application period begins, submit
Common Scams ASAP to maximize chances for aid Federal Student Aid for Students
"Phishing" studentaid.ed.gov
November 2021
Unsolicited emails that bear the logo of National Scholarship Month Financial Aid Calculators
your bank or credit card
www.finaid.org/calculators
Appear legitimate but are traps to lure January2022
you into giving out your personal or Complete FAFSA & Submit FTC Project Scholarship Scam
account information www.ftc.gov/scholarshipscams
February2022
NEVER give out Social Security, credit card or
bank account numbers to unsolicited emails Financial Aid Awareness Month Mapping Your Future
or calls www.mappingyourfuture.org
April 2022
"Pharming"
National Financial Literacy Month, Federal The Guide to Federal Student Aid
Unsolicited emails that encourage you
income tax due - April 15th studentaid.ed.gov/guide
to visit a website or click on
suspicious links May2022
Financial Aid Applications
Make sure your inbox spam filters are National Candidates' Reply Date - May 1st
up to date FAFSA
June 2022 studentaid.gov/h/apply-for-aid/fafsa
BE CAREFUL about giving out your contact
information or email address
Last day to submit 2022-2023 FAFSA -
June 30th FSA ID Management
Reporting Scams https://fsaid.ed.gov/npas/index.htm
National Fraud Information Center (NFIC)
2021-2022 Test Dates CSS PROFILE
File an online complaint at www.fraud.org
Below is information on test entities and https://cssprofile.collegeboard.com
Federal Trade Commission (FTC) where to confirm test dates:
File an online complaint at
ACT (American College Testing) FAFSA 4Caster
www.ftc.gov/scholarshipscams,
call 202-326-2222, or write to: www.act.org https://studentaid.govIunderstand-aid/
Federal Trade Commission Consumer estimate
Response Center AP (Advanced Placement)
600 Pennsylvania Ave., NW FAA (Access to Central Processing System)
apcentral.collegeboard.com
Washington, DC 20580 faaaccess.ed.gov
State Attorney General's Office CLEP (College-Level Examination Program)
File your complaint with the Consumer clep.collegeboard.org More Student Aid Resources
Protection Division in your state. Scholarship Search
Visit www.naag.org to find your state PSAT (Preliminary SAT) / NMSQT
www.fastweb.com
Attorney General's Office (National Merit Scholarship Qualifying Test)
US Postal Inspection Service (USPIS) collegereadiness.collegeboard.org/ AmeriCorps
File an online complaint involving mail fraud psat-nmsqt-psat-10 www.americorps.gov
at postalinspectors.uspis.gov, call the Crime
Hotline at 877-876-2455 or write to: SAT and SAT (Scholastic Assessment Test) City Year
Criminal Investigations Service Center www.cityyear.org
222 S. Riverside Plaza, Ste. 1250 Subject Tests
Chicago, IL 60606-6100 collegereadiness.collegeboard.org/sat Student Loans
Better Business Bureau (BBB) www.studentaid.gov/loans
File an online complaint about a business at
www.bbb.org or call 703-276-0100 EduPASS: International Students
www.edupass.org
fastweb
A MOMSTER Company
14 All trademarks ore the property oftheir respective owners.2021-2022 Calendar College Student
Scholarship Scams 2021-2022 Important Dates Financial Aid
Scam Warning Signs for College Students Important Resources
You have to pay a fee Fastweb
September 2021
Money-back offers or guarantees www.fastweb.com
National College Savings Month
Credit card or bank account Finaid
information required October 2021
www.finaid.org
Provides "exclusive" information FAFSA application period begins, submit
ASAP to maximize chances for aid Federal Student Aid for Students
Common Scams
studentaid.ed.gov
"Phishing" November 2021
Unsolicited emails that bear the logo of National Scholarship Month Financial Aid Calculators
your bank or credit card www.finaid.org/calculators
January 2022
Appear legitimate but are traps to lure
Complete FAFSA & Submit FTC Project Scholarship Scam
you into giving out your personal or
account information www.ftc.gov/scholarshipscams
February 2022
NEVER give out Social Security, credit card or Financial Aid Awareness Month Mapping Your Future
bank account numbers to unsolicited emails
www.mappingyourfuture.org
or calls April 2022
"Pharming" National Financial Literacy Month, The Guide to Federal Student Aid
Unsolicited emails that encourage you Federal income tax due - April 15th studentaid.ed .gov/ guide
to visit a website or click on
suspicious links May2022 Financial Aid Applications
National Candidates' Reply Date - May 1st
Make sure your inbox spam filters are FAFSA
up to date June 2022 studentaid.gov/h/apply-for-aid/fafsa
BE CAREFUL about giving out your contact Last day to submit 2022-2023 FAFSA -
FSA ID Management
information or email address June 30th
https://fsaid.ed.gov/npas/index.htm
Reporting Scams
2021-2022 Test Dates CSS PROFILE
National Fraud Information Center (NFIC)
File an online complaint at www.fraud.org Below is information on test entities and https://cssprofile.collegeboard.com
where to confirm test dates:
Federal Trade Commission (FTC) FAFSA 4Caster
File an online complaint at ACT (American College Testing)
https://studentaid.gov/understand-aid/
www.ftc.gov/scholarshipscams, www.act.org
call 202-326-2222, or write to: estimate
Federal Trade Commission Consumer CLEP (College-Level Examination Program) FAA (Access to Central Processing System)
Response Center clep.collegeboard.org
600 Pennsylvania Ave., NW fa aacces s.ed .go v
Washington, DC 20580 GRE (Graduate Record Examination) More Student Aid Resources
State Attorney General's Office www.ets.org / gre
File your complaint with the Consumer Scholarship Search
Protection Division in your state. GMAT www.fastweb.com
Visit www.naag.org to find your state (Graduate Management Admissions Test
Attorney General's Office w w w.m ba .com / us AmeriCorps
US Postal Inspection Service (USPIS) www.americorps.gov
File an online complaint involving mail fraud LSAT (Law School Admissions Test)
at postalinspectors.uspis.gov, call the Crime ww w.lsac .org City Year
Hotline at 877-876-2455 or write to: www.cityyear.org
Criminal Investigations Service Center MCAT (Medical College Admissions Test)
222 S. Riverside Plaza, Ste. 1250 ww w.aam c.org Student Loans
Chicago, IL 60606-6100 www.studentaid.gov/loans
SAT and SAT (Scholastic Assessment Test)
Better Business Bureau (BBB) EduPASS: International Students
File an online complaint about a business at Subject Tests
www.edupass.org
www.bbb.org or call 703-276-0100 collegereadiness.collegeboard.org/sat
fastweb
A MONSTER Company
15
All trademarks are the property of their respective owners.Financial Aid Tips
Quick Reference Guide
Tips about Saving for College Tips about Scholarships
It is cheaper to save than to borrow. If you save $200 a month Search for scholarships at free sites like Fastweb.com. Every
for 10 years at 6.8% interest, you will accumulate $34,433. If dollar you win is about a dollar less you'll have to borrow.
instead of saving, you borrow $34,433 at 6.8% interest with a 10-
--year repayment term, you will pay $396 a month, almost Start searching for scholarships as soon as possible. There are
twice as much. scholarships with deadlines throughout the year, so the sooner
you start searching, the more scholarships you will find. If you
Time is your greatest asset. Start saving for college as soon as wait until the spring of the senior year in high school, you will
possible. If you start saving from birth, about a third of the miss the deadlines for about half of the scholarships available to
college savings goal will come from earnings. If you wait until high school seniors. But students in younger grades can also win
your child enters high school, less than 10% will come from scholarships. There are also many scholarships that are
earnings. available only after you have enrolled in college. The sooner
your start searching for scholarships, the more you will find.
It is never too late to start saving. Every dollar you save is about
a dollar less you will have to borrow. In any targeted scholarship matching service, answer the
optional questions in addition to the required questions.
Plan on saving a third of projected college costs or the full 4--- Students who answer the optional questions match about twice
year costs the year the baby was born. Like any other life---cycle as many scholarships, on average, as students who answer just
expense, the cost will be spread out over time, with one third the required questions. The optional questions are there to
coming from past income (savings), one third from current trigger the inclusion of specific awards.
income and financial aid, and one third from future income
(loans). Since college costs increase by about a factor of three To win more scholarships, apply to every scholarship for which
over any 17---year period and 3 x 1/3 = 1, your college savings you are eligible. It's a numbers game. Even among talented
goal should be the full 4---year cost of college the year the baby students, winning involves a bit of luck, not just skill. Pursue less
was born. You might not be able to predict which college your competitive scholarships, such as small awards and essay
child will choose, but you probably can predict the type of contests. They are easier to win and help you win bigger
college, such as an in---state public 4---year college, out---of---state scholarships. You can't win if you don't apply. It gets easier after
public 4---year college or a non---profit 4---year college. For a baby your first 6 applications. Essays can be reused and tailored to
born in 2012, this means saving $250/month, $400/month and each new application.
$500/month, respectively, from birth to matriculation.
If you have difficulty writing essays, record yourself as you
Save in the parent’s name, not the student’s, as this will reduce answer the question out loud and transcribe the recording.
the impact on eligibility for need---based financial aid. A Most people think and speak faster than they can write or type.
dependent student’s 529 college savings plan is treated as Write an outline afterward to organize your thoughts.
though it were a parent asset.
Google your name to ensure that you have a professional online
When choosing a 529 college savings plan, choose the plan with presence. Use a clean email address, such as
the lowest fees. This will maximize your savings. You can invest firstname.lastname@gmail.com. Review your Facebook
in any state’s plan. Likewise, choose the direct---sold version account, removing inappropriate and immature material.
instead of the advisor---sold version, since the fees are lower. All
else being equal, choose your own state’s plan if it offers a state Beware of Scholarship Scams: If you have to pay money to get
income tax deduction on contributions to the state’s plan. money, it is probably a scam. Never invest more than a postage
stamp to get information about scholarships or to apply for
Make saving automatic, as it makes it much easier to save. Set scholarships. Nobody can guarantee that you will win a
up an automatic monthly transfer from your checking account scholarship. Do not give out personal information like bank
to the college savings plan. Start saving what you can, and account, credit card or Social Security numbers. Beware of the
gradually increase it, especially when a regular expense like unclaimed aid myth. The only money that goes unclaimed is
diapers or day care ends. Redirect at least half of windfalls, like money that can’t be claimed
income tax refunds and inheritances, to college savings.
Fastweb Quick Reference Guide Series Financial Aid Tip Sheet www.fastweb.com
16Financial Aid Tips
Quick Reference Guide
The Free Application for Federal Student Aid (FAFSA) Tips about Student Loans
File the Free Application for Federal Student Aid (FAFSA). The Always borrow federal first. Federal student loans are cheaper,
FAFSA is the gateway to financial aid from the federal and state more available and have better repayment terms than private
governments and most colleges and universities. You can file student loans. Federal student loans are eligible for income---
the FAFSA online at www.fafsa.ed.gov. based repayment and public service loan forgiveness, while
private student loans are not. The unsubsidized Stafford and
File the FAFSA as soon as possible after January 1 of your senior PLUS loans do not depend on financial need, so you do not need
year in high school and each subsequent year. Do not wait until to be poor to qualify for low---cost federal education loans.
you have been admitted or you file you federal income tax
returns. Some states have very early deadlines for state grants, Before you spend student loan money on anything, ask yourself
as early as February 1, and other states give out money on a if you’d still buy it at twice the price. Every dollar you spend in
first---come first---served basis until the money is gone. student loan money will cost you about two dollars by the time
you repay the debt.
Use the IRS Data Retrieval Tool, if possible, to prefill some of
the answers on your FAFSA. This will reduce the likelihood that Education debt may be good debt because it is an investment in
your FAFSA will be selected for verification. If you can’t use it to your future. But too much of a good thing can hurt you. Don’t
file the initial FAFSA due to timing considerations, use it to borrow more than $10,000 for each year in school.
update the FAFSA after you’ve filed your federal income tax Undergraduate students who borrow $10,000 per year will
returns. graduate with more debt than 90% of their peers.
Undergraduate students who borrow $7,500 per year will
Apply for financial aid every year even if you think you won’t graduate with more debt than 75% of their peers. If you have
qualify or even if you didn’t qualify last year. The need analysis no choice but to borrow from private student loan programs,
formulas are complicated enough that it is difficult to predict that may be a sign that you are overborrowing.
whether you will qualify. Changes in the number of children in
college at same time can have a big impact on aid eligibility. The Consider tuition installment plans as a less expensive
best way to evaluate eligibility is to apply. Families often alternative to student loans.
overestimate their eligibility for merit---based aid and
underestimate their eligibility for need---based aid. You can't get Pay the interest on unsubsidized loans during the in---school and
aid if you don't apply. grace periods to prevent the loan balance from growing larger
due to interest capitalization.
Tips about Comparing Financial Aid Award Letters
Total education debt at graduation should be less than your
Compare colleges based on the net price, the difference expected annual starting salary, and ideally a lot less. If your
between the total cost of attendance and just gift aid (grants, debt is less than your annual income, you will be able to repay
scholarships and tuition waivers). This is the true bottom---line your student loans in about 10 years. If your debt exceeds your
cost, the amount you will have to pay from savings, income and income, you will need an alternate repayment plan like
loans to cover college costs. extended repayment or income---based repayment in order to
afford your monthly loan payments, which means you will still
This is in contrast with the net cost, the difference between the be repaying your own student loans when your children enroll
cost of attendance and the financial aid package. The financial in college. If you borrow more than twice your starting salary
aid package includes loans, which must be repaid, usually with you will be at high risk of default.
interest.
Try to minimize credit card debt. College students often get into
When evaluating the net price of a college, ask the college trouble with credit cards, not just student loans. Do not charge
whether it practices front---loading of grants. Colleges that more than you can afford to pay off in full each month.
practice front---loading of grants provide more grants during the Spending $500 with plastic feels the same as spending $5, so it
freshman year, making them look less expensive. Likewise, ask is hard to exercise restraint.
about a college’s outside scholarship policy. Some colleges will
reduce grants instead of loans when a student wins a private
scholarship.
Fastweb Quick Reference Guide Series Financial Aid Tip Sheet www.fastweb.com
17Financial Aid Tips
Quick Reference Guide
Tips about Student Loans (continued) Tips about Education Tax Benefits
Choose as short a repayment term as possible. Increasing the You can get a Hope Scholarship Tax Credit (also known as the
loan term on an unsubsidized Stafford loan from 10 years to 20 American Opportunity Tax Credit) on your federal income tax
years cuts the monthly payment by a third, but more than return. The Hope Scholarship provides a tax credit of up to
doubles the interest paid over the life of the loan. $2,500 (of which $1,000 is refundable) based on $4,000 in
qualified higher education expenses, which include amounts
After you graduate, accelerate repayment of the highest paid with cash or loans for college tuition, fees and course
interest rate loan first. Student loans do not have prepayment materials (textbooks).
penalties. Making an extra payment can save you money. After
you make the required payments, direct any extra money Tips about Cutting College Costs
toward accelerating repayment of the most expensive debt
first. The most expensive debt is the debt with the highest Live like a student while you are in school so you don’t have to
interest rate, not the lowest monthly payment. Usually this is live like a student after you graduate.
credit card debt and private student loans. Paying an extra $100
on a 10% loan is like earning 10% interest, tax---free, and may One of the most effective ways to save on college costs is to enroll
save you more than $200 over the life of the loan depending on at an in---state public college. You may need an extra year to
the type of loan. graduate with Bachelor's degree at public colleges, but you'll still
graduate with less debt.
Avoid extended periods of non---payment, as this causes the size
You can also save money by buying used textbooks or selling
of the loan to grow. A year of capitalized interest will increase
your textbooks back to the bookstore at the end of the
the size of the loan by 7%, and ultimately 25% when you
semester.
consider the cost of paying interest on interest.
Visit home less frequently to cut travel costs.
Sign up for auto---debit with electronic billing, where the
monthly loan payments are automatically debited from your
Live at home during college, especially if at an in---state public
bank account. Many education lenders offer a 0.25% or 0.50%
college, to graduate with thousands of dollars of less debt. Tell
interest rate reduction for this.
your parents that it is better if you live at home during your
Up to $2,500 in student loan interest on federal and private college education than be forced to after you graduate.
student loans can be deducted as an above---the---line exclusion
If you live off---campus, get a roommate to split the costs.
from income on your federal income tax return. You can claim
Otherwise you might have higher costs than students who live
the deduction even if you don’t itemize.
on campus.
Tips about Student Employment
Don't switch majors or transfer colleges. This increases time to
finish by about a year and increases debt.
Work part---time while you are in school. Even if you don’t
qualify for Federal Work---Study, there are plenty of part---time
jobs on or near college campuses. Working 10---12 hours a week
will help improve your grades by forcing you to learn time
management skills. Working a full---time job will hurt your
performance by taking away time from academics. Enroll full---
time and work part---time, not vice versa.
Fastweb Quick Reference Guide Series Financial Aid Tip Sheet www.fastweb.com
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