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financial aid

financial aid

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Applying for ‘early college decisions’ and financial aid questions

Q. My son is applying early decision to one school. But I know we won’t get the financial aid package until later. How can he say yes — if he’s accepted — if we don’t know what it’s going to cost?

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How that 529 plan can hurt chances for financial aid

Q. My parents saved in a 529 for my son and never told me about it. We’re going to soon apply for financial aid and I’m worried it could hurt his chances. What can we do?

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Bart?omiej Szewczyk
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Calculating need-based financial aid

Q. Family members want to help with tuition costs for my daughter, but we don’t want them to hurt chances for financial aid. What do we need to know?

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Ryan McVay
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Will tuition gifts hurt financial aid?

Q. Two of my great nieces and nephews will be attending college next year. I have promised to pay their tuitions. Would it be best to make out the checks directly to the universities or put it in a special account? I would not want to jeopardize any scholarships or financial aid.

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college textbooks
Dino Flammia, Townsquare Media NJ
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Tips to maximize financial aid

Q. I know I’m supposed to position my money long before we apply for financial aid. What moves should we consider making?

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SAT College Exams
Joe Raedle, Getty Images
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Understanding college financial aid

Q. I have grandchildren who will be entering college in the fall and I would like to be educated so I might be able to help them. What is the step-by-step process for applying for financial aid, asking for more aid after the initial offer and if needed, applying for loans? Are government loans better than private loans? Should we use a CPA for assistance or someone else? How can one find scholarships for special needs students, e.g. a hearing impaired child?

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A woman arriving at college
Design Pics, ThinkStock
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How you can maximize financial aid for college

Q. I’ve heard that you should start planning for financial aid so you can move money around early and position it right. What moves should I make? My oldest is in 9th grade

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Volunteers Aid Needy Families With Tax Preparation
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Tips for negotiating more financial aid

Q. Can I negotiate with a financial aid office to get a better award for my student? I’m talking scholarships and grants, not loans.

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College student
Suprijono Suharjoto, ThinkStock
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Deciding on the right amount of financial aid

Q. How much is too much for student loans? My daughter wants to study a field that I think will get her $45,000-$50,000 a year as a starting salary, and she’s trying to figure out how much she can afford to borrow. Otherwise she may go to community college instead.

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Tests
Fuse, ThinkStock
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Your child’s independence may not equal financial aid assistance

Q. Would making my 18-year-old an independent person – instead of one of my dependents – help with financial aid for college?

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