WEBVTT
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(cheerful music)
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Welcome.
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Thank you for joining us for our September
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parent information Session on financial aid.
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I'm Lacey Guthrie.
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I'm the district college counselor serving Grissom,
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Jimeson, and Lee High Schools.
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And with me is Nancy Wolfe,
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and she serves Huntsville, New Century,
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and Columbia High Schools.
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Here's our contact information.
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You can reach us by email or by cell phone, work cell phone.
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I'll be getting a work cell phone number
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in the next week or so,
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but please feel free to email me until then.
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Great ways to contact us and stay in touch
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with all things college this year.
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We have a great college website for Huntsville counselors.
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We post scholarships, financial aid information,
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application information, and news from colleges.
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Also our Facebook side is a great way
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to see daily updates on things that are coming.
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Students should join their Schoology group.
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The Schoology group will be with their school,
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with their senior class,
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and we will post different scholarships
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and things that way as well.
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We'll host a college Q and A one Friday each month at noon,
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and the parent outreach topic for October is scholarships.
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So we look forward to you all joining us for that.
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All right, let's dive right into financial aid.
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So types of financial aid that we're going
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to be talking through today.
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Of course. The first is the merit based scholarships,
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which you will cover in depth in October.
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Today we're going to be covering
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our need based financial aid options.
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So we will talk through our federal and state aid programs,
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including the Pell Grant.
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We'll talk about institutional aid
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that comes from the college or the university directly,
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and work study program options.
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So a student must be Pell Grant eligible
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to qualify for a work study,
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and then they'll have a job on their campus.
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And also loans through the FAFSA process.
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FAFSA is extremely important this year.
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In April 2021, the State Department added
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the FAFSA completion as a requirement for graduation.
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So all students either need to complete the FAFSA
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or complete an opt out form.
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And the opt out form will be available
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October 1st of this year.
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Important websites to be looking through
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as you start your financial aid process.
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Studentaid.gov gives some general information
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about the student aid process.
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The FSA ID part of that website is where we will create
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the FSA ID for students and parents,
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and we'll talk more about that.
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And then the FAFSA.gov is the site where you will actually
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go to apply for your federal student aid.
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FAFSA is the first step of the financial aid process,
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and it takes about 30 to 45 minutes to complete
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if you have all of your information together for that.
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And we'll talk, Nancy will talk more in a minute
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about what information you need to have prepared
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before you start your FAFSA.
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I recommend printing the FAFSA form to look through
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before you get online to start your application
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just so you have all the information with you.
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All right, FAFSA stands for Free Application
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for Federal and Student Aid.
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It's Federal Aid Money that comes directly
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from the US Department of Education
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to help students pay for college and school expenses.
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The FAFSA goes live October 1st, 2022
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for our current seniors.
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So if you go to apply right now,
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you will have last year's FAFSA,
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that's for our students that are in college now.
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So you don't want to pull that up until October 1st,
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and you'll be filling out the 2023, 2024
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needing your 2021 tax return information.
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If you want to look at this in advance,
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there's a student aid estimator,
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which is a great way to get a feel
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for what your FAFSA results might look like
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before you complete the FAFSA.
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So why do you need to complete your FAFSA?
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We encourage all families to complete the FAFSA.
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This will help colleges be able to give you
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a complete financial aid offer,
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and they will have all the information they need.
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So to find out more about the federal aid programs,
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which you might qualify,
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you might fill it out to determine how much aid
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you might receive with the Pell Grant.
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The federal loan max for students each year is $5,500,
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and you must reapply each year.
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Some scholarships require it and some colleges
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require the FAFSA.
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Many athletic programs require it and athletic scholarships.
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And then some local and regional scholarships
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are open to students who qualify
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based on their FAFSA results.
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Okay, the first step to get started,
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you've got to create your FSA ID.
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You can create an FSA ID at any point
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prior to starting your FAFSA.
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So you can go ahead and do that now.
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We'd recommend that you do that at least three days
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prior to sitting down to fill out the FAFSA.
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Both the student and a parent need FSA ID.
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You're gonna want to make sure you choose your username
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and password really carefully.
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Keep them in a safe spot.
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You will need to refer back to those each year
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as you reapply for FAFSA.
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For each FSA ID, you're going to need name and address,
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social security number.
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So you'll need that for both student and parent.
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Date of birth and a valid email address
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that you'll check regularly.
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All right, Nancy Wolfe is going to give you more information
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about the actual FAFSA process.
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Hey, so we're just gonna leap right in
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to the actual FAFSA application.
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So as Lacey mentioned, you can go ahead,
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go online to the websites that she mentioned
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and do your FSA ID, which is fancy term
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for username and password.
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But what you're going to need to do also
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and what you can do and we suggest you do
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ahead of October 1st is gather all of your documents
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and information that you need.
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It'll make the process go much more smoothly
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for you when you actually sit down.
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So some of the items you're going to need,
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the students will need to know,
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'cause this is part of the student part,
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the marital status of their parents,
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the number of family members in the household,
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the household income of parent or guardians,
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child support paid or received, income of the student.
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We'll talk about that a little bit more.
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And assets of the parents.
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So those are just some additional information that you need.
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Again, Lacey mentioned that you can go ahead
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and print out a copy of the FAFSA.
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I'd recommend doing that just so you can refer to that
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when you're gathering that information.
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We're gonna talk about taxes now.
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Even though you do use your taxes to complete the FAFSA,
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the FAFSA is really, the awards are really based
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on household income, okay?
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So taxes for both the student and the parent will be used.
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This is a little tricky because if you're using
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your 2021 taxes, that would mean the seniors this year
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would've been sophomores.
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I've yet to meet a sophomore who made enough to file taxes,
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and if they did file their taxes, kudos to them.
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But really it was for an inconsequential amount of money.
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You know, it wasn't over $10,000.
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So usually the students just put all zeros
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for their financial information.
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But the parent tax information is what really
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is the most important aspect of that parent portion.
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If you filed your taxes electronically,
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you can use this really great tool
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called the data retrieval tool.
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This is where you will leave the FAFSA website
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and it will take you or redirect you to the IRS website.
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That site is gonna ask you to put in your name,
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address exactly how it appeared on your taxes.
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And if it links to your online filing from 2021,
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which you really want it to do,
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then it will auto populate a bunch of that tax information
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for you so you then don't have to dig
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through your tax forms.
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Now, on the off chance that doesn't work,
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then that is when you're gonna need the actual physical copy
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of your 2021 tax forms and tax returns
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in order to refer to that to fill out that portion.
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It is also recommended that you have your W2 forms with you.
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That can cut kind of digging for some of that information
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'cause it's more plain and more out there on your W2 forms.
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So if your finances have changed since 2021,
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you know with COVID and that brought a lot of changes
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for families and people,
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whether it's a change in job, salary, you've moved, so on,
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all the myriad of things that life brings us
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that causes these financial changes.
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You know, the FAFSA is a form.
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It is a fill in the blank,
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answer these questions yes or no type form.
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There's no room to explain why those finances
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have changed between 2021 and currently.
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So what you're going to have to do is fill out the form
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straight arrow according to your 2021 taxes.
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But then, and we'll discuss this a little bit more as well,
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but your student is going to list all of the colleges
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that they want this information sent to.
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And what you're going to have to do
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is you're gonna have to reach out
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to the financial aid office at each of those institutions
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to provide them additional information about the changes
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that have taken place with you since 2021.
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It does require some extra work.
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The financial aid offices are very helpful.
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Obviously very well versed in this process,
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but they are going to want some documentation
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in order to back up the changes in finances
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that you are telling them about.
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So we have a lot of common questions,
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we don't have time to throw all of them out there.
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So we chose kind of our top common questions.
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Does the student have to use the parent
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who claims them on their taxes?
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So if you remember that Lacey said that both the student
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and one parent has to have an FSA ID.
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You each need your own.
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So if you aren't a situation where you're separated
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or divorced and you're kind of going back and forth
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with who claims the child on taxes,
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it is not necessarily the parent who claims the child
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on taxes that completes the FAFSA.
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This is based on household income of the household
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in which the child spends the most time,
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lives with the most.
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So even though mom might be claiming child on her taxes,
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but the child lives with dad most of the time,
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dad is the one who needs to be completing the FAFSA.
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So the measure for that is generally who the child spends
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at least 51% of the time.
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So just an infinitesimal amount over 50% of their time,
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the most amount of their time with.
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Okay?
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Next, we get this question a lot.
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The kids always wanna know, well, can I pick which parent
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I want to fill out the FAFSA?
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Because, you know, they're smart.
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They want the parent to fill it out
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who makes the least amount of money.
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But however, that's not the way it goes.
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Remember, this references back to what we just said
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is that it is based on household income.
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So if the student is living with a parent
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who happens to make more money than the other parent,
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that is the parent who has to complete the FAFSA.
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Another one question we get is about stepparents.
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So if the parents are remarried,
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but we're still going back to that frame of reference
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of who the student lives with the most,
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then if that parent is remarried,
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that stepparent is still bringing money into that household.
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So that stepparent's information, financial information
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is going to have to be factored into the calculation
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of the FAFSA.
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All right, so just some helpful hints.
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Lacey also mentioned this,
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that right now if you log onto the FAFSA website,
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00:13:11.160 --> 00:13:13.440
you'll see there is an application open,
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00:13:13.440 --> 00:13:17.490
but that is for the college year 22-23
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00:13:17.490 --> 00:13:19.623
and that is not what you want to do.
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00:13:20.820 --> 00:13:25.800
You want the 23-24 academic year.
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00:13:25.800 --> 00:13:28.290
That's the year that you are completing it for
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00:13:28.290 --> 00:13:29.970
because that is the year that your child
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00:13:29.970 --> 00:13:32.370
will be a freshman in college.
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00:13:32.370 --> 00:13:34.740
It's very important to keep the student
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00:13:34.740 --> 00:13:37.500
and the parent information separate.
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00:13:37.500 --> 00:13:39.450
When you log into the FAFSA,
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there will be tabs at the top of each section
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00:13:42.930 --> 00:13:46.230
clearly labeled student and parent.
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00:13:46.230 --> 00:13:48.390
So make sure that the student information
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00:13:48.390 --> 00:13:50.310
is going in the student tabs,
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00:13:50.310 --> 00:13:53.823
parent information is going into the parent tabs.
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00:13:55.020 --> 00:13:58.800
Next, to complete this process,
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00:13:58.800 --> 00:14:02.280
both the student and the parent have to electronically
280
00:14:02.280 --> 00:14:05.159
sign the FAFSA before they submit it.
281
00:14:05.159 --> 00:14:09.840
Your FSA ID, each of yours, student and parent,
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00:14:09.840 --> 00:14:13.980
is what constitutes your electronic signature.
283
00:14:13.980 --> 00:14:16.200
Again, those are gonna be separate.
284
00:14:16.200 --> 00:14:18.270
The student really needs to make their own
285
00:14:18.270 --> 00:14:20.790
and the parent really needs to make their own.
286
00:14:20.790 --> 00:14:25.050
And then you both sign, and then at that point push submit.
287
00:14:25.050 --> 00:14:29.454
Again, I'm not gonna belabor the data retrieval tool.
288
00:14:29.454 --> 00:14:33.480
If at all possible, make your life so much easier.
289
00:14:33.480 --> 00:14:36.990
And then the next step is watch your email.
290
00:14:36.990 --> 00:14:40.590
Both you and your student will receive emails
291
00:14:40.590 --> 00:14:45.590
about the next steps, which we are gonna go into right now.
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00:14:45.990 --> 00:14:49.710
So processing typically takes three to five days.
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00:14:49.710 --> 00:14:52.711
I have seen it take up to two weeks.
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00:14:52.711 --> 00:14:55.270
Sometimes, you know, their system
295
00:14:56.310 --> 00:15:00.270
or website or whatever is not working
296
00:15:00.270 --> 00:15:02.010
as well as we would hope.
297
00:15:02.010 --> 00:15:04.380
So, but three to five days, and after that,
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00:15:04.380 --> 00:15:09.030
you both should receive an email saying that your FAFSA
299
00:15:09.030 --> 00:15:11.910
or your child's FAFSA has been processed.
300
00:15:11.910 --> 00:15:14.610
At that point, once it's processed,
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00:15:14.610 --> 00:15:17.250
unless you get follow up emails,
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00:15:17.250 --> 00:15:20.550
then that is gonna be shot out to all of the schools
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00:15:20.550 --> 00:15:22.290
they listed onto their FAFSA.
304
00:15:22.290 --> 00:15:27.290
So those schools can determine their financial aid package.
305
00:15:27.360 --> 00:15:31.050
Now, along with an email about
306
00:15:31.050 --> 00:15:34.770
whether it's been processed or not or when it has,
307
00:15:34.770 --> 00:15:38.340
you might receive an email saying that there are errors.
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00:15:38.340 --> 00:15:39.660
Nothing to panic about.
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00:15:39.660 --> 00:15:42.600
You would just access the FAFSA application
310
00:15:42.600 --> 00:15:44.130
and fix the errors.
311
00:15:44.130 --> 00:15:46.680
It could have been a mistype in the address
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00:15:46.680 --> 00:15:50.400
or a phone number or something of that nature.
313
00:15:50.400 --> 00:15:53.760
There was something filled out that you didn't need to.
314
00:15:53.760 --> 00:15:57.030
And you just go and simply fix those, resubmit them.
315
00:15:57.030 --> 00:15:59.640
Resign to verify that you did
316
00:15:59.640 --> 00:16:01.800
make those changes and resubmit.
317
00:16:01.800 --> 00:16:04.530
You might be selected for verification.
318
00:16:04.530 --> 00:16:08.100
Now, that email is not going to come
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00:16:08.100 --> 00:16:11.340
from the US Department of Education or FAFSA.
320
00:16:11.340 --> 00:16:14.640
That email will come from the college.
321
00:16:14.640 --> 00:16:17.760
It is really not a huge deal.
322
00:16:17.760 --> 00:16:21.570
About 30% of the FAFSA applications they receive
323
00:16:21.570 --> 00:16:24.450
are randomly chosen for verification.
324
00:16:24.450 --> 00:16:27.720
So what the school is doing is they are spot checking
325
00:16:27.720 --> 00:16:30.330
just to make sure that the information
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00:16:30.330 --> 00:16:35.330
is presented accurately and reflects the household income.
327
00:16:35.640 --> 00:16:37.710
You know, just as a caveat,
328
00:16:37.710 --> 00:16:40.950
I wanna say this is where, you know,
329
00:16:40.950 --> 00:16:43.950
if you choose not to use the house
330
00:16:43.950 --> 00:16:45.660
that the child resides in the most
331
00:16:45.660 --> 00:16:49.140
and use the parent that makes the least amount of money,
332
00:16:49.140 --> 00:16:54.140
even though that does financially benefit more,
333
00:16:54.720 --> 00:16:58.288
but there is a risk of getting caught,
334
00:16:58.288 --> 00:16:59.940
for lack of a better word,
335
00:16:59.940 --> 00:17:03.090
and you don't want to get into that entanglement.
336
00:17:03.090 --> 00:17:07.230
That will really delay an impact the possible awards
337
00:17:07.230 --> 00:17:09.060
that your child might receive.
338
00:17:09.060 --> 00:17:12.900
So back to the slide real fast.
339
00:17:12.900 --> 00:17:15.870
So if you're selected for verification,
340
00:17:15.870 --> 00:17:17.490
they're gonna want updates.
341
00:17:17.490 --> 00:17:21.840
So they will probably want you to email them a copy
342
00:17:21.840 --> 00:17:25.050
of the W2 or you might have to email them
343
00:17:25.050 --> 00:17:28.080
a certain page of your tax returns.
344
00:17:28.080 --> 00:17:30.450
They usually process those very quickly.
345
00:17:30.450 --> 00:17:33.540
The students can check those in their school accounts
346
00:17:33.540 --> 00:17:37.440
from the colleges to see that they've been received,
347
00:17:37.440 --> 00:17:41.643
and then offers will then be distributed.
348
00:17:42.870 --> 00:17:45.510
When you log into your account,
349
00:17:45.510 --> 00:17:50.510
you will be able to see the student aid report.
350
00:17:50.790 --> 00:17:54.300
The student aid report is going to show you
351
00:17:54.300 --> 00:17:58.200
that the expected family contribution,
352
00:17:58.200 --> 00:18:03.060
that is what the government has deemed that you as a family
353
00:18:03.060 --> 00:18:07.473
can afford to contribute to the cost of a college.
354
00:18:08.310 --> 00:18:12.360
You're also going to be able to see
355
00:18:12.360 --> 00:18:15.270
what aid that student does qualify for.
356
00:18:15.270 --> 00:18:18.150
So if your child does qualify for the Pell Grant,
357
00:18:18.150 --> 00:18:21.120
it will tell you the amount that they qualify for.
358
00:18:21.120 --> 00:18:24.330
And you can log into that SAR student aid report
359
00:18:24.330 --> 00:18:25.770
at any time.
360
00:18:25.770 --> 00:18:28.817
That is part of the FAFSA.
361
00:18:28.817 --> 00:18:31.500
The colleges receive your results,
362
00:18:31.500 --> 00:18:33.600
and then they put together the package.
363
00:18:33.600 --> 00:18:35.400
We already mentioned that.
364
00:18:35.400 --> 00:18:38.880
And each college might put together a different package,
365
00:18:38.880 --> 00:18:40.680
which brings us to the next slide
366
00:18:40.680 --> 00:18:42.750
as just an example of that.
367
00:18:42.750 --> 00:18:45.120
So here we have Mary.
368
00:18:45.120 --> 00:18:48.063
Mary's applied to university A and B.
369
00:18:49.020 --> 00:18:51.570
So when we say cost of attendance,
370
00:18:51.570 --> 00:18:55.410
cost of attendance is the total estimated amount
371
00:18:55.410 --> 00:18:58.530
of attending that school for a year.
372
00:18:58.530 --> 00:19:01.020
It is not just tuition and fees.
373
00:19:01.020 --> 00:19:03.780
When you are looking at your colleges
374
00:19:03.780 --> 00:19:07.620
or the colleges that your student has decided to apply to,
375
00:19:07.620 --> 00:19:12.620
the true nature of the finances that you're looking at
376
00:19:12.720 --> 00:19:16.110
is going to be in that cost of attendance number.
377
00:19:16.110 --> 00:19:19.980
So University A is $4,500 a year.
378
00:19:19.980 --> 00:19:21.330
You know, with that price tag,
379
00:19:21.330 --> 00:19:24.630
it is probably a two year college, a community college,
380
00:19:24.630 --> 00:19:28.500
and university B is $19,000 a year.
381
00:19:28.500 --> 00:19:30.723
That is a four year college.
382
00:19:31.620 --> 00:19:36.620
So the government has estimated, based on Mary's FAFSA,
383
00:19:37.380 --> 00:19:41.610
that the family can contribute $2,000
384
00:19:41.610 --> 00:19:44.790
per year or at least for this school year.
385
00:19:44.790 --> 00:19:47.280
So we're just gonna say for this school year,
386
00:19:47.280 --> 00:19:51.840
towards that cost of attendance.
387
00:19:51.840 --> 00:19:53.820
All right, so that is gonna be on the family
388
00:19:53.820 --> 00:19:56.610
for $2,000 definitely.
389
00:19:56.610 --> 00:20:00.810
So this leaves Mary with needing $2,500 for the first school
390
00:20:00.810 --> 00:20:03.543
and about 17,000 for the second school.
391
00:20:04.830 --> 00:20:08.340
Well then we get into this is what the schools
392
00:20:08.340 --> 00:20:09.810
are offering her.
393
00:20:09.810 --> 00:20:12.210
Her financial aid package.
394
00:20:12.210 --> 00:20:14.430
So if you think of the financial aid package,
395
00:20:14.430 --> 00:20:15.600
it's an umbrella.
396
00:20:15.600 --> 00:20:18.000
And under that umbrella are all those things
397
00:20:18.000 --> 00:20:20.070
that Lacey referred to earlier.
398
00:20:20.070 --> 00:20:22.530
The Pell Grants, scholarships,
399
00:20:22.530 --> 00:20:26.250
institutional grants, loans, so forth.
400
00:20:26.250 --> 00:20:29.850
So school A and school B,
401
00:20:29.850 --> 00:20:33.570
the Pell Grant is determined by the government.
402
00:20:33.570 --> 00:20:37.470
So that amount is not gonna change for A or B,
403
00:20:37.470 --> 00:20:38.880
schools A or B.
404
00:20:38.880 --> 00:20:42.960
She is receiving $2,500 from both schools.
405
00:20:42.960 --> 00:20:45.640
Doesn't matter whether she applied to these two
406
00:20:46.590 --> 00:20:50.730
or applied to 10, it's gonna be $2,500.
407
00:20:50.730 --> 00:20:52.620
But then you notice the scholarships
408
00:20:52.620 --> 00:20:54.420
that they awarded her are different.
409
00:20:55.410 --> 00:20:58.710
Merit scholarships are based on usually,
410
00:20:58.710 --> 00:21:02.190
and pretty much always, ACT and GPA.
411
00:21:02.190 --> 00:21:04.710
Well, school A is giving her $2,000
412
00:21:04.710 --> 00:21:07.980
based on her grades and test scores.
413
00:21:07.980 --> 00:21:11.760
School B is gonna give her $3,000.
414
00:21:11.760 --> 00:21:13.980
So then there's the college grant.
415
00:21:13.980 --> 00:21:17.190
These are additional funds that a college has
416
00:21:17.190 --> 00:21:21.720
in order to support a student with financial need.
417
00:21:21.720 --> 00:21:24.780
So college A is not gonna give her anything
418
00:21:24.780 --> 00:21:28.260
towards the financial need end of things,
419
00:21:28.260 --> 00:21:30.727
but College B is gonna give her an additional
420
00:21:30.727 --> 00:21:32.850
$4,000 worth of grants.
421
00:21:32.850 --> 00:21:36.153
Grants, you do not have to pay back by and large.
422
00:21:37.590 --> 00:21:38.820
Loans.
423
00:21:38.820 --> 00:21:43.360
She did not accept any loans for college A
424
00:21:44.400 --> 00:21:49.131
from the FAFSA portal, but for college B,
425
00:21:49.131 --> 00:21:54.131
she is considering the top amount of those loans,
426
00:21:54.150 --> 00:21:57.990
subsidized and unsubsidized for $5,500.
427
00:21:57.990 --> 00:21:59.730
This leaves her with college A.
428
00:21:59.730 --> 00:22:02.520
She has met her need for college A
429
00:22:02.520 --> 00:22:06.120
between her Pell Grant, merit scholarships,
430
00:22:06.120 --> 00:22:09.660
and then she's met her full need.
431
00:22:09.660 --> 00:22:12.450
College B though, she hasn't quite met
432
00:22:12.450 --> 00:22:14.190
her full need for that year.
433
00:22:14.190 --> 00:22:17.550
You notice she is lacking $2,000.
434
00:22:17.550 --> 00:22:19.890
So that is going to need to be covered
435
00:22:19.890 --> 00:22:24.120
by additional loans, by parents.
436
00:22:24.120 --> 00:22:26.340
Maybe she's worked and has savings.
437
00:22:26.340 --> 00:22:28.830
So there's $2,000 hanging out there
438
00:22:28.830 --> 00:22:31.650
that still needs to be accounted for in order
439
00:22:31.650 --> 00:22:34.620
to pay her balance for that school year.
440
00:22:34.620 --> 00:22:36.840
And this is what you need to do,
441
00:22:36.840 --> 00:22:39.540
and we will have a whole session in the fall
442
00:22:39.540 --> 00:22:41.040
about college costs.
443
00:22:41.040 --> 00:22:44.610
But that is a good example of a line by line item
444
00:22:44.610 --> 00:22:46.200
that you're gonna need to do in the spring
445
00:22:46.200 --> 00:22:48.030
once your student gets all their offers,
446
00:22:48.030 --> 00:22:51.300
and the comparison of those offers.
447
00:22:51.300 --> 00:22:55.200
So moving on, just a couple things.
448
00:22:55.200 --> 00:22:58.590
We mentioned that the FAFSA has to be done every year.
449
00:22:58.590 --> 00:23:00.840
Finances can change every year.
450
00:23:00.840 --> 00:23:03.390
The Pell Grant, knock on wood,
451
00:23:03.390 --> 00:23:07.140
so far has increased about $200 every year.
452
00:23:07.140 --> 00:23:11.520
So these things need to be reexamined.
453
00:23:11.520 --> 00:23:13.293
Also grades matter.
454
00:23:14.820 --> 00:23:18.900
By and large, scholarships do not need to be paid back ever.
455
00:23:18.900 --> 00:23:21.810
You can lose a scholarship by not maintaining
456
00:23:21.810 --> 00:23:25.290
a certain GPA usually, but they don't have to be paid back.
457
00:23:25.290 --> 00:23:27.240
However, grants are a little bit different,
458
00:23:27.240 --> 00:23:29.070
especially the Pell Grant.
459
00:23:29.070 --> 00:23:31.350
The grant is yours.
460
00:23:31.350 --> 00:23:32.460
Well, your child's.
461
00:23:32.460 --> 00:23:34.920
And it doesn't have to be paid back,
462
00:23:34.920 --> 00:23:39.060
except if the student starts failing classes.
463
00:23:39.060 --> 00:23:42.270
If the student drops below their full-time hours
464
00:23:42.270 --> 00:23:43.710
or part-time hours,
465
00:23:43.710 --> 00:23:46.740
whichever they said they were going to follow.
466
00:23:46.740 --> 00:23:49.230
Or if the student drops all their classes
467
00:23:49.230 --> 00:23:51.900
and decides college is not the route for them
468
00:23:51.900 --> 00:23:53.460
or whatever it might be.
469
00:23:53.460 --> 00:23:55.380
'Cause the Pell Grant covers other things
470
00:23:55.380 --> 00:23:57.603
aside from two year and four year colleges,
471
00:23:58.530 --> 00:24:01.020
then they can lose the Pell Grant, and in addition,
472
00:24:01.020 --> 00:24:03.960
they will be responsible for paying that money back.
473
00:24:03.960 --> 00:24:08.160
So it's very important that they stay their course.
474
00:24:08.160 --> 00:24:10.140
They don't have to maintain a certain GPA
475
00:24:10.140 --> 00:24:11.400
to keep the Pell Grant,
476
00:24:11.400 --> 00:24:15.870
but they do have to pass and progress in their classes.
477
00:24:15.870 --> 00:24:19.440
So there is another little fun form out there
478
00:24:19.440 --> 00:24:21.270
called the CSS profile.
479
00:24:21.270 --> 00:24:25.080
You notice that in the website, College board is in there.
480
00:24:25.080 --> 00:24:29.183
College board is the company that owns AP exams
481
00:24:29.183 --> 00:24:34.020
and the PSAT and the ever fun SAT.
482
00:24:34.020 --> 00:24:37.950
So they also have this thing called the CSS profile.
483
00:24:37.950 --> 00:24:41.280
Much like the FAFSA, except the CSS profile
484
00:24:41.280 --> 00:24:45.570
does a deeper dive into the family's assets.
485
00:24:45.570 --> 00:24:48.270
This is not used by all schools.
486
00:24:48.270 --> 00:24:52.020
However, it is used by more selective schools
487
00:24:52.020 --> 00:24:54.060
and smaller private schools.
488
00:24:54.060 --> 00:24:58.834
So think of your Davidsons, Vanderbilts, Swanee,
489
00:24:58.834 --> 00:25:01.290
schools of that nature.
490
00:25:01.290 --> 00:25:05.640
And they also will require, excuse me,
491
00:25:05.640 --> 00:25:08.940
the FAFSA in addition to the CSS profile.
492
00:25:08.940 --> 00:25:12.450
And the reason that they're requiring different information
493
00:25:12.450 --> 00:25:15.900
is those types of schools tend to be more expensive.
494
00:25:15.900 --> 00:25:18.207
You know, you're not looking at $19,000 a year,
495
00:25:18.207 --> 00:25:20.370
$35,000 a year.
496
00:25:20.370 --> 00:25:25.233
You're looking at more like $70,000 a year plus.
497
00:25:26.160 --> 00:25:30.480
So their mark at which they provide aid is set higher.
498
00:25:30.480 --> 00:25:34.800
Schools of that nature will provide aid
499
00:25:34.800 --> 00:25:38.070
to students whose families
500
00:25:38.070 --> 00:25:41.520
make a hundred thousand dollars or less.
501
00:25:41.520 --> 00:25:44.657
Whereas at a school such as Alabama,
502
00:25:44.657 --> 00:25:47.130
a state school, let's just say,
503
00:25:47.130 --> 00:25:49.350
their measurement is a little bit lower.
504
00:25:49.350 --> 00:25:53.370
That's gonna be let's say around $65,000 or less.
505
00:25:53.370 --> 00:25:55.290
So they really do a deep dive
506
00:25:55.290 --> 00:26:00.290
to see who needs additional grants from the institution.
507
00:26:01.650 --> 00:26:05.010
There is a fee for the CSS profile.
508
00:26:05.010 --> 00:26:07.620
Keep in mind they are a money making institution,
509
00:26:07.620 --> 00:26:08.460
College Board is.
510
00:26:08.460 --> 00:26:10.260
So here we go again with that.
511
00:26:10.260 --> 00:26:12.210
It's $25.
512
00:26:12.210 --> 00:26:13.770
And much like the FAFSA,
513
00:26:13.770 --> 00:26:16.680
this also does not open until October 1st.
514
00:26:16.680 --> 00:26:20.460
You can go online, start looking at it,
515
00:26:20.460 --> 00:26:24.193
but you can't really fill anything out
516
00:26:24.193 --> 00:26:29.193
for the 23-24 school year until October 1st.
517
00:26:30.390 --> 00:26:32.730
The deadline for submission for the FAFSA
518
00:26:32.730 --> 00:26:37.530
and the CSS profile is set by each individual school.
519
00:26:37.530 --> 00:26:39.630
There's not a national deadline
520
00:26:39.630 --> 00:26:41.490
for the submission for either of these.
521
00:26:41.490 --> 00:26:43.080
So it is very important that you go
522
00:26:43.080 --> 00:26:45.270
to the school's financial aid website
523
00:26:45.270 --> 00:26:49.860
to find out when they want these items submitted by.
524
00:26:49.860 --> 00:26:52.350
All right, so assistance in the process.
525
00:26:52.350 --> 00:26:53.640
You know, especially if this is
526
00:26:53.640 --> 00:26:56.940
your first go around with these or maybe it's your third
527
00:26:56.940 --> 00:27:00.360
or it's your second, you haven't done the FAFSA in a while,
528
00:27:00.360 --> 00:27:04.080
all of that's fine, but there are ways to get help.
529
00:27:04.080 --> 00:27:07.440
We're very fortunate that we have the North Alabama Center
530
00:27:07.440 --> 00:27:09.690
for Educational Excellence in town.
531
00:27:09.690 --> 00:27:12.690
Their offices are actually right across from Bridge Street,
532
00:27:12.690 --> 00:27:14.280
and that is their number.
533
00:27:14.280 --> 00:27:18.510
And Karlton Stephens is kind of our go to for questions
534
00:27:18.510 --> 00:27:22.530
that we don't know because though Lacey and I are familiar,
535
00:27:22.530 --> 00:27:26.490
there are tons of situations are very specific
536
00:27:26.490 --> 00:27:29.750
to different families that might be
537
00:27:29.750 --> 00:27:32.400
beyond our scope a little bit.
538
00:27:32.400 --> 00:27:34.233
But we would call Karlton.
539
00:27:35.160 --> 00:27:36.510
He's very responsive.
540
00:27:36.510 --> 00:27:38.280
I would say email is your best bet
541
00:27:38.280 --> 00:27:42.060
because he is traveling among all of the high schools
542
00:27:42.060 --> 00:27:44.250
in Madison County.
543
00:27:44.250 --> 00:27:46.890
So, but he has his computer,
544
00:27:46.890 --> 00:27:49.080
and then that is his phone number as well.
545
00:27:49.080 --> 00:27:50.370
You can set up an appointment,
546
00:27:50.370 --> 00:27:52.050
you can ask him a question.
547
00:27:52.050 --> 00:27:55.110
Secondly, you can do that with Lacey and I as well.
548
00:27:55.110 --> 00:27:57.270
You can call us, set up an appointment,
549
00:27:57.270 --> 00:28:00.270
email us, ask a question.
550
00:28:00.270 --> 00:28:01.740
Whatever you need, we will,
551
00:28:01.740 --> 00:28:03.960
to the best of our abilities, help you out.
552
00:28:03.960 --> 00:28:05.880
If you need us to actually sit down with you
553
00:28:05.880 --> 00:28:09.603
and complete the FAFSA, we can do that as well.
554
00:28:10.590 --> 00:28:13.260
And then if there's a part we get stuck on,
555
00:28:13.260 --> 00:28:15.360
we will call in our helpers.
556
00:28:15.360 --> 00:28:19.230
I would say senior counselors can answer some questions too.
557
00:28:19.230 --> 00:28:21.750
They wear 50 different hats,
558
00:28:21.750 --> 00:28:25.620
so, but in a pinch, you're more than welcome to call them.
559
00:28:25.620 --> 00:28:30.180
And lastly, the financial aid offices at the schools
560
00:28:30.180 --> 00:28:32.790
are so knowledgeable.
561
00:28:32.790 --> 00:28:35.640
They have seen it all, done it all,
562
00:28:35.640 --> 00:28:38.100
know all the ins and outs of the FAFSA
563
00:28:38.100 --> 00:28:39.990
and the CSS profile.
564
00:28:39.990 --> 00:28:42.180
So any of them would be more than happy
565
00:28:42.180 --> 00:28:44.040
to help you out as well.
566
00:28:44.040 --> 00:28:47.640
So in review, just a couple reminders.
567
00:28:47.640 --> 00:28:52.080
Right now you want to gather the documentation you need.
568
00:28:52.080 --> 00:28:53.850
Have it at the ready.
569
00:28:53.850 --> 00:28:58.850
You want to go ahead, create the parent FSA ID,
570
00:28:59.370 --> 00:29:02.820
and have your student create their FSA ID.
571
00:29:02.820 --> 00:29:05.400
And I will tell you this as an aside,
572
00:29:05.400 --> 00:29:08.160
a lot of the high schools are currently working
573
00:29:08.160 --> 00:29:12.450
with their seniors to go ahead and create those FSA IDs.
574
00:29:12.450 --> 00:29:15.300
So if this is your first go around,
575
00:29:15.300 --> 00:29:17.400
if your student has done it at school,
576
00:29:17.400 --> 00:29:18.990
they can be a resource for you
577
00:29:18.990 --> 00:29:23.280
and help you go through that process of creating your ID.
578
00:29:23.280 --> 00:29:28.280
Another aside is that if you have an older child in college
579
00:29:28.827 --> 00:29:31.740
and you already have an FSA ID,
580
00:29:31.740 --> 00:29:33.483
you're going to use the same one.
581
00:29:34.680 --> 00:29:37.170
If you yourself are in school
582
00:29:37.170 --> 00:29:39.300
or have been in school recently,
583
00:29:39.300 --> 00:29:42.750
then you are gonna use your FSA ID.
584
00:29:42.750 --> 00:29:45.540
If you have not been in school for a really long time,
585
00:29:45.540 --> 00:29:47.460
let's say 15 years,
586
00:29:47.460 --> 00:29:52.460
you are going to need to redo your FSA ID.
587
00:29:53.250 --> 00:29:54.930
Your old one is probably not good anymore
588
00:29:54.930 --> 00:29:58.020
because the system has changed since then.
589
00:29:58.020 --> 00:29:59.790
Choose this wisely.
590
00:29:59.790 --> 00:30:02.880
It is yours for pretty much forever.
591
00:30:02.880 --> 00:30:07.680
So answer all the questions in the application.
592
00:30:07.680 --> 00:30:09.210
Make sure you're very thorough
593
00:30:09.210 --> 00:30:11.370
and accurate with your answers.
594
00:30:11.370 --> 00:30:14.220
Make sure your child lists the schools that they need
595
00:30:14.220 --> 00:30:16.470
to receive that information from the FAFSA.
596
00:30:16.470 --> 00:30:18.033
They can list up to 10.
597
00:30:19.200 --> 00:30:21.390
If they list three and then decide they're going
598
00:30:21.390 --> 00:30:24.630
to apply to more, they just go back into their application
599
00:30:24.630 --> 00:30:26.130
and add schools.
600
00:30:26.130 --> 00:30:29.280
If they list 10 and they're actually applying to 15,
601
00:30:29.280 --> 00:30:31.590
they can go back in and add five more.
602
00:30:31.590 --> 00:30:35.670
So there's no topping out on the amount of schools
603
00:30:35.670 --> 00:30:37.023
that they can list.
604
00:30:37.890 --> 00:30:40.260
Submit, sign and submit.
605
00:30:40.260 --> 00:30:45.260
Until you sign and push submit, it is not complete.
606
00:30:46.050 --> 00:30:50.160
And then again, you're gonna hear us say deadlines a lot
607
00:30:50.160 --> 00:30:55.160
in our presentations, but deadlines are strict.
608
00:30:55.273 --> 00:30:58.440
If a college says their deadline for receiving the FAFSA,
609
00:30:58.440 --> 00:31:01.050
the CSS profile, the admissions application,
610
00:31:01.050 --> 00:31:05.730
the honors program application is whatever, November 15th,
611
00:31:05.730 --> 00:31:08.250
they are not gonna have any give on that.
612
00:31:08.250 --> 00:31:11.850
If you miss that date, then you miss that date.
613
00:31:11.850 --> 00:31:16.163
So make sure that you are looking on the scholarship pages,
614
00:31:17.310 --> 00:31:20.490
the financial aid pages, whatever,
615
00:31:20.490 --> 00:31:22.990
to get all these various deadlines you might need.
616
00:31:23.880 --> 00:31:27.180
So with that, that ends our presentation,
617
00:31:27.180 --> 00:31:30.810
and we wanna thank you so much for joining us.
618
00:31:30.810 --> 00:31:34.890
Next month in October, we'll be discussing scholarships.
619
00:31:34.890 --> 00:31:39.890
We post all Zoom links, dates, in person meetings,
620
00:31:39.990 --> 00:31:43.230
Facebook Lives, college counselor Q and As,
621
00:31:43.230 --> 00:31:46.200
all of that is posted on our website
622
00:31:46.200 --> 00:31:48.573
as well as on our Facebook page.
623
00:31:49.710 --> 00:31:51.510
So you can always check there.
624
00:31:51.510 --> 00:31:54.090
And if you can't find at either place,
625
00:31:54.090 --> 00:31:55.500
please email Lacey or I
626
00:31:55.500 --> 00:31:58.350
and we can provide you that information.
627
00:31:58.350 --> 00:32:01.290
We hope you have a great day,
628
00:32:01.290 --> 00:32:03.630
and we look forward to seeing you
629
00:32:03.630 --> 00:32:06.561
at one of our upcoming events.
630
00:32:06.561 --> 00:32:09.311
(cheerful music)