The Importance of Preparing a Powerful Argument Using Persuasive Essay Topics For Teenagers

<h1>The Importance of Preparing a Powerful Argument Using Persuasive Essay Topics For Teenagers</h1><p>Writing an enticing exposition theme for young people ought to be a decent establishment for all composition, but since adolescents have the one of a kind need to ensure they're in charge of each circumstance, the article ought to be composed cautiously. Youngsters should possibly utilize powerful article themes for adolescents on the off chance that they know about how far they can push the idea and how regularly they will feel like they were controlled or influenced.</p><p></p><p>Teenagers frequently have elevated expectations with regards to subjects. In the event that your topic isn't all around considered, in the event that you don't have the foggiest idea how to associate the ideas and on the off chance that your contentions aren't enticing, at that point your youngsters are bound to scrutinize your thought processes and take your thou ghts and revamp them such that causes them to appear to be all the more persuading. Also, on the off chance that you compose an exposition regarding a matter and your young people discover that your subject was one-sided somehow or another and that there were real mix-ups in your paper, they are probably going to accept that contrary data as a sign that you are deceitful and unreliable.</p><p></p><p>That is the reason the objective of your influential article points for adolescents ought to be to ensure that you use words and expressions that your youngsters will utilize and discover convincing. So ensure that the fundamental piece of your exposition isn't just a rundown of realities that you will disregard on the off chance that it doesn't seem persuading. Rather, you need to utilize provocative language that will propel your youngsters to peruse your whole essay.</p><p></p><p>The most significant part of influential paper subjects fo r adolescents is to ensure that you are setting up a reason in the primary section. Your first section ought to give proof that you are an expert in the point, a source that will bolster your contentions, and a source that you can cite when you're contending for your thoughts. When you build up these three things, you would then be able to start to exhibit why your decision is right and ought to be followed, and you can likewise show why your article point is a positive one.</p><p></p><p>Teens have amazingly limited ability to focus, so itis imperative that you abstain from placing a lot in your contention. Try not to go through an hour or two looking at something and afterward leave your perusers hanging. What works for your youngsters is that you ought to have a succession of focuses to follow, with the goal that they recognize what is coming next.</p><p></p><p>The grouping of focuses ought to be something that they can process promp tly and something that they can peruse and see, as opposed to something that you have accumulated and organized them to peruse and process. This is on the grounds that youngsters are accustomed to being determined what to do and to think in a progressively organized manner, so by making this procedure increasingly common, it is simpler for them to get a handle on it.</p><p></p><p>In request to benefit as much as possible from your influential exposition subjects for adolescents, you should concoct a story or a clear guide to show each point. At times the most ideal approach to make a contention is to utilize an individual tale or a reality that identifies with your article theme. Be that as it may, whatever you pick, you should utilize this story to demonstrate that your focuses are valid and to show why they are correct.</p><p></p><p>As you can see, there are numerous things that you can do to take advantage of your convincing paper t hemes for young people. With enough arranging and readiness, you ought to have the option to compose an influential article for a young person that grabs their eye, however will likewise make them think.</p>

Term Paper Writing Services Reviews

<h1>Term Paper Writing Services Reviews</h1><p>If you are searching for the best research project composing administrations then you should search for the main three audit sites. These sites will assist you with finding the best organization. You will have the option to discover different surveys on the sites and furthermore help you to choose the privilege company.</p><p></p><p>The top organizations are those that have been granted for probably the best client appraisals. A portion of the top organizations additionally have been granted for their exhibition. They give great and appropriate help to their clients. These client audits will likewise assist you with selecting the best organization to bargain with.</p><p></p><p>You can locate some of these organizations on the web and from various perspectives. Notwithstanding, it is significant that you do a smidgen of research before you at long last settle on a choice. Y ou should realize what is required from you when you compose your research paper. You will likewise need to choose what group you might want your paper to be in.</p><p></p><p>There are numerous significant perspectives that you have to consider when you are composing a research project. You should think about all the necessary components. You should comprehend the substance and guarantee that they are right. You will likewise need to do your exploration and guarantee that the data you give is accurate.</p><p></p><p>Reviews can assist you with choosing whether you ought to pick a specific organization. By perusing the surveys, you will have the option to figure out which organizations can give you the best assistance. A ton of these sites will likewise assist you with looking at the costs of the organizations, so you will have the option to show signs of improvement thought of the best services.</p><p></p><p>Pape rs can be totally different thus you should do your examination before you take up the task. Much of the time, the substance of the paper is significant. On the off chance that you can get the correct substance, at that point you will have the option to accomplish your goals. You will likewise need to consider whether the paper will be submitted for distribution or whether it will be utilized as an autonomous study.</p><p></p><p>Many individuals require a total arrangement of papers. It may not generally be conceivable to do this all alone. You may need to recruit an organization to give this. You may likewise need to employ an organization to assist you with making the paper to incorporate a large number of the distinctive elements.</p><p></p><p>There are various suppliers that will offer you the serious cost. Notwithstanding, you should consider the nature of the composing administrations that they give. You will likewise need to wat ch that they have a notoriety that is better than expected. The vast majority of the top organizations are happy to assist you with finding the best organization that is reasonable for your needs.</p>

Essay Topics - Choosing Collegeboard Essay Topics

Essay Topics - Choosing Collegeboard Essay TopicsCollegeboard essay topics can give students a leg up on the competition for their college admissions. Essay topics are the first step to winning college admissions and can also be helpful in preparing for your college application. Make sure you take your time and consider all of your options before choosing a topic.Collegeboard has done the hard work for you. There are multiple essays to choose from. The topics are divided into topics, which are easy to write, and topics that may be more difficult. In some cases, the topics have themes that make them more appealing. Students need to select the topics that they are most comfortable with.Writing on a topic that is easier to write will help to get a better grade and prepare the student for the SAT or ACT. For example, writing about dieting, weight loss, or dieting is something that all students can write about. Many students do not like to write about subjects that require them to do some thing about their eating habits. It may be easier for a student to discuss food in general than to talk about specific foods or dieting. Students can still write about the topic.Collegeboard allows students to go deeper into their topic if they want to. For example, students may wish to discuss topics such as how the topic came to be, why it was important, and why it is relevant to their overall grade. Having a goal in mind will help to make the essay more interesting.Collegeboard essay topics can vary from one subject to another. Students who enjoy writing about history or geography can write about those subjects using these essays. Students with less experience in those subjects may want to consider writing about something that interests them. A general topic is easier to write about than a detailed one.Collegeboard is also one of the few online writing software programs that allows students to edit their essays and add formatting and pictures to make the essay easier to read. Edi ting is usually required for any student to write well. Many students will not bother to add formatting because they assume that it will not be read. Having an editing option will allow the student to get their essay more polished.Collegeboard also provides essay samples. Students can download the samples and use them as a template. Students can add pictures and formatting to the sample to make it more interesting. Students can then edit the sample to create a better essay.Collegeboard provides many examples for students to use as a guide and to begin to write an essay on their own. Students can find their own topics and write essays on them, without the help of a tutor.

Complete Step-by-Step Guide on FAFSA How to Get the Most Financial Aid

In the world of financial aid, the Federal Application for Federal Student Aid (FAFSA) is king. So, what is the FAFSA? It is a critical set of forms that determine whether a student is eligible for federal grants and loans, and is used by schools during the crafting of a students financial aid package.If a student doesnt submit their federal student aid FAFSA forms in a timely manner, they might miss out on free money. Why? Because certain kinds of funding are provided on a first-come, first-serve basis. That means, even if a student qualifies, if their application isnt received in time, the money could be gone.Contents1 How Does FAFSA Work?1.1 What is the EFC?1.2 Can You Get Federal Grants for College by Completing the FAFSA?1.3 Is FAFSA a Loan Since You Can Qualify for Federal Student Loans?2 How Do I Qualify for FAFSA?2.1 FAFSA Qualifications2.2 FAFSA Income Limits3 How to Sign Up for FAFSA3.1 FSA ID4 What Do I Need to Fill Out the FAFSA?5 How to Apply for FAFSA5.1 Student Informa tion5.2 School Selection5.3 Dependency Status5.4 Parents Demographics5.5 Financial Information6 How to Complete the FAFSA6.1 Sign and Submit the FAFSA Form7 When to Apply for FAFSA7.1 What is the Deadline for FAFSA?7.2 What to Do if You Miss the School or State FAFSA Deadline?8 How to Get the Most Financial Aid Through the FAFSA (Including Families with Young Students)9 2019-2020 FAFSA CHANGES10 Next Steps After FAFSA for a Debt-Free DegreeClick here to grab a copy of common FAFSA mistakesHow Does FAFSA Work?The FAFSA provides students with access to various funding sources based on specific eligibility requirements. When a student submits an application, their expected family contribution (EFC) is calculated.What is the EFC?The Expected Family Contribute (EFC) is a dollar amount that is calculated after your student completes their FAFSA. Its a reflection of what the system believes your family can afford and is used to determine your students eligibility for a variety of financial aid products, like grants and loans.An EFC is determined based on data from four key areas: parental income and assets (with some exceptions below), and student income and assets.Effectively, each area is used for one calculation on the FAFSA, and then the four results are reviewed together to make a determination.If you want in-depth information on the EFC calculation, the US Department of Educations Federal Student Aid Office has you covered. You can review the information here:The EFC FormulaCan You Get Federal Grants for College by Completing the FAFSA?Yes, students can potentially gain access to federal grants by completing the FAFSA. Often, it is the most coveted for of financial aid.Grants are considered free money (meaning you dont have to pay it back!) that can be used for a range of educational expenses including tuition and books. For your student to receive a grant, you must meet certain criteria like falling below certain FAFSA income limits based on your family size.I s FAFSA a Loan Since You Can Qualify for Federal Student Loans?While the FAFSA can make a student eligible for federal student loans, the FAFSA itself is not a loan application. Instead, it determines whether students qualify for specific kinds of financial aid, including grants and loans.Federal student loans are not free money, as they have to be paid back in accordance with your loan agreement. However, the interest rates are typically lower than the student loans you can find through traditional lenders, like banks and credit unions.Federal student loans come in two forms:subsidized and unsubsidized. Subsidized loans offer better terms including:No interest while your student is enrolled in school at least half-timeNo interest during the six-month grace period after your student leaves schoolNo interest during a period of defermentUnsubsidized loans do not provide any of the no interest benefits offered by subsidized loans, making them more costly over the long-term. While subsi dized loans are need-based awards, families that do not qualify for grants can still often qualify for at least this type of loan which saves students tens of thousands of dollars.Unsubsidized loans can be available without having to demonstrate financial need.The interest rates for subsidized and unsubsidized federal student loans are set by the government, so you dont have to shop around to find the best deal. For loans disbursed between July 1, 2018, and July 1, 2019, the interest rates are 5.05 percent for direct subsidized loans for undergraduates and 5.05 for direct unsubsidized loans for undergraduates. These rates are subject to change for new loans issued after July 1, 2019, but this does not affect the interest rates on loans that have already been issued.How Do I Qualify for FAFSA?If youre wondering who qualifies for FAFSA, the answer is practically everyone attending a college in the US, including citizens (usually anyone with a Social Security number) and eligible non-c itizens.FAFSA QualificationsHere is a complete list of FAFSA eligibility requirements for federal student aid as set by the Department of Education:Be a citizen or eligible noncitizen of the United States.Have a valid Social Security Number. (Students from the Republic of the Marshall Islands, Federated States of Micronesia, and the Republic of Palau are exempt from this requirement.)Have a high school diploma or a General Education Development (GED) certificate, or have completed homeschooling. If you dont, you may still be eligible for federal student aid if you were enrolled in college or career school prior to July 1, 2012. Go to https://studentaid.ed.gov/eligibility/basic-criteria for additional information.Be enrolled in an eligible program as a regular student seeking a degree or certificate.Maintain satisfactory academic progress.Not owe a refund on a federal student grant or be in default on a federal student loan.Register (or already be registered) with the Selective Servi ce System, if you are a male and not currently on active duty in the U.S. Armed Forces. (Students from the Federated States of Micronesia, the Republic of the Marshall Islands and the Republic of Palau are exempt from registering; see https://sss.gov for more information.)Not have a conviction for the possession or sale of illegal drugs for an offense that occurred while you were receiving federal student aid (such as grants, work-study, or loans). If you have such a conviction, you must complete the Student Aid Eligibility Worksheet to determine if you are eligible for aid or partially eligible for aid.For specific kinds of federal financial aid, there can be additional requirements, such as falling within specific income limits. However, those are not a requirement for completing the FAFSA itself.FAFSA Income LimitsThere is no income limit for completing the FAFSA, so anyone who otherwise is eligible can (and should!) complete the application.However, a students income (or their f amily income, if they are a dependent) may limit their access to specific kinds of aid, such as whether they can receive a Federal Pell Grant to help pay for college.How to Sign Up for FAFSATo sign up for the FAFSA, your student needs to either head over to https://studentaid.ed.gov/sa/fafsa or download the Android or iOS app, myStudentAid.This gives your student access to the FAFSA forms, allowing them to apply for financial aid.FSA IDIdeally, your student should create a FSA ID before they complete their FAFSA for the first time. This is a unique username and password that allows them to sign their FAFSA electronically as well as access certain information online or through the app.However, a FSA ID can also be created later in the process when they complete their first FSA. So, if they have already started on their application this year, they arent in a bad spot.Parents also need to create FSA IDs if they want to sign any forms electronically. Its important to note that parents m ust have a Social Security number to be eligible for an FSA ID.What Do I Need to Fill Out the FAFSA?To fill out the FAFSA properly, your student is going to need a lot of information. Plus, if they are a dependent, they dont just need specific documents that cover their situation, but their parents as well.Usually, students need the following to complete the FAFSA:Social Security Number(s)Drivers License or Government-Issued ID NumberAlien Registration Number (for non-US citizens)Federal Tax Returns and W-2sBank StatementsInvestment RecordsUntaxed Income Records (child support, interest income, veterans non-education benefits, etc.)With the right documents available, it takes around 30 minutes to complete the FAFSA first time. Each year after, the process tends to be quicker, as certain information can carry over from one year to the next.How to Apply for FAFSACompleting the FAFSA is a pretty easy process. It can be done online at: https://studentaid.ed.gov/sa/fafsaAlternatively, th ere is also an app for Android and iOS called myStudentAid, that allows students to use mobile devices.Once your student accesses the FAFSA, the process is incredibly straight forward. The application is broken into simple steps, ensuring that nothing important is overlooked.Student InformationThe first section your student will need to complete covers information about their identity, like their name, birth date, and Social Security number. But, if they already have an FSA ID, most of the information will be prepopulated, saving them a substantial amount of time.In most cases, the questions in this section are very straightforward, so they shouldnt run into too many difficulties here. However, there are a lot of them, so it can take a little time.School SelectionSome students find the FAFSA form school selection page intimidating, particularly if they havent officially been accepted to a particular institution. But, whats important to remember, is they can send their FAFSA details to any school, regardless of whether they have been accepted or even applied.Worst case, it is wise to have your student add every school they are considering, as any college they dont end up attending will securely discard the information. Plus, the schools cant see where else your student sent their FAFSA, so theres no risk there either.Your student can add up to 10 schools at a time, and the handy search tool makes it a breeze as long as your student knows the state where the college is located and either the city or the schools name.Dependency StatusThe dependency status section establishes whether your student needs to submit tax information for their parents on their FAFSA form or are considered an independent student based on guidelines set by Congress.Most of the questions are incredibly simple, and your student only needs to select yes or no based on their current situation.Its important to note that your students dependency status for their FAFSA form may differ from that assigned by the IRS for tax purposes. That means the two may not match, so its best not to assume that their tax status automatically applies for their FAFSA.Parents DemographicsThe FAFSA form does contain demographic questions regarding the students parents (yes, that potentially means you), and they do have to be completed even if your student doesnt live with their parents.Again, the information is fairly basic, including items like names, birth dates, Social Security numbers (if applicable), and marital status.An important note is that the students parents are determined based on legal status as guardians, so biological or adoptive parents, as well as legal guardians, may be classified as parents for the purpose of completing the FAFSA form. More information can be found here: Parents on FAFSA FormIf your student has special circumstances that prevents them from providing certain information, additional guidance can be found here: Special Circumstances InstructionsFinancial Info rmationGenerally, the financial information section is the one that causes people the most fear, but it isnt as complicated as it seems.First, the IRS Data Retrieval Tool, accessed through the Link to IRS button, can populate a lot of the information in just a few clicks, so its worth using if your student is eligible. Theyll just need to connect to the IRS system, providing details from the tax filing, check the Transfer My Tax Information into the FAFSA form box, and click Transfer Now. If successful, theyll receive a confirmation message on the FAFSA site.Otherwise, the information can be entered manually, referencing the tax return they should have on hand and any additional financial documents that may be required.How to Complete the FAFSAOnce all of the information is recorded, its time to sign and submit their FAFSA form. That will complete the application process.Sign and Submit the FAFSA FormFor independent students, they can do this on their own. However, dependent student s also need their parents to sign the form to go through.The electronic signature is based on the use of each persons FSA ID. If your student completes their FAFSA in one sitting, they wont have to provide their FSA ID details again to complete the process. Essentially, they can just click submit and send it on its way.Parents will need to enter their FSA ID and identify as Parent 1 or Parent 2 in a drop-down menu, depending on how they were listed on the application.Once everyone has electronically signed, your student should be all set, and their FAFSA will start processing. Your student can monitor the progress of their FAFSA by logging into fafsa.gov, and the schools they selected will automatically get the information, allowing them to use it to build financial aid packages if your student is selected for admission.In the end, completing the FAFSA is actually pretty easy, and its definitely a must-do for every college student.And remember, the FAFSA form must be completed EVERY YEAR, so make sure your student puts it on their schedule to get it handle when the next years application period opens.When to Apply for FAFSACurrently, you can begin submitting FAFSA applications on October 1 for the next school year. For example, October 1, 2019, was the first day for applications for the 2020-2021 school year.Ideally, you want to complete the FAFSA as quickly as possible once applications are being accepted. Many awards are given on a first-come, first-serve basis, so getting in early can be incredibly beneficial.What is the Deadline for FAFSA?The federal FAFSA application deadline provides students with a TON of time to complete their FAFSA for each academic year. For example, for the 2020-2021 school year, students actually have from October 1, 2019 until June 30, 2021 to submit the FAFSA.However, the federal deadline doesnt completely answer this important question: When is FAFSA due?While most people mistakenly assume that the federal deadline is the only o ne that matters, that simply isnt true. States also have their own deadlinesfor certain financial awards and need your students FAFSA information on or before that date if they are going to be eligible. And these deadlines are all over the place.For example, in Delaware, that deadline is April 15, 2020. In Idaho, for priority consideration, students need to submit their FAFSA by March 1, 2020.Some states, like North Carolina, dont have a specific FAFSA due date. Instead, they recommend completing the FAFSA as soon as possible after October 1, 2019, as they will award funds until they are gone, which can happen at any time.Additionally, schools may also set their own FAFSA deadline, making it even more confusing. If your student wants to be considered for institutional awards through their college, then they need to submit their FAFSAs before those dates.Ideally, your student should take a moment and confirm deadlines set by both their state and school, and not just rely on the feder al one.What to Do if You Miss the School or State FAFSA Deadline?If your student missed the state or school FAFSA deadline, all is not lost. It wont necessarily affect their ability to be accepted, but it can mean they missed out on valuable aid funds.However, it is important to have them finish their FAFSA as quickly as possible. Why? Because there could still be aid money out there. Often, the deadline establishes priority amongst applicants but, if all of the funds arent awarded, late applicants might get a second chance.While it isnt wise to count on funds being left over, as it is highly possible that wont be the case, it does mean that the faster your student gets their hat tossed in the ring, the bigger the chance that it isnt actually too late.You can also reach out to your students financial aid office to see if they have any flexibility or funds leftover. You may be pleasantly surprised with how helpful they can be.How to Get the Most Financial Aid Through the FAFSA (Inclu ding Families with Young Students)While it may seem as though you have little control regarding how these calculations unfold, the opposite is actually true.There are strategies that allow you to maximize the FAFSA results, making it easier for your student to receive need-based awards.Please note: We are not financial advisors and recommend running these by your certified financial planner, CPA or another financial expert for verification.Here are a few suggestions to get you started.1. AVOID WITHDRAWING FROM RETIREMENT FUNDSDistributions from Traditional IRAs and 401Ks are treated as taxable income by the FAFSA, which means your EFC will increase and your students eligibility for aid will decrease.If you must use your retirement savings for any purpose, look into loans that are backed by your retirement account instead. Loans are not treated as income, so it wont impact the FAFSA. Or you can make the withdrawal prior to the year that will be used for their FAFSA.As a note, Roth IR As distributions are treated differently on the FAFSA, so the above rules dont apply.2. MAXIMIZE YOUR RETIREMENT SAVINGSHome equity, retirement savings, and even some small businesses are typically excluded when it comes to FAFSA.This means that traditional IRA and 401K contributions reduce the amount of income that is included in the FAFSA calculation, making it easier to get need-based aid. They are also tax-deductible, so maxing out your savings before the end of the tax year (December of your studentssophomore year) can be beneficial.3. TRANSFER YOUR STUDENTS SAVINGS TO YOUR ACCOUNTSDid you know that the FAFSA assesses your students assets at a higher rate than yours? Many parents dont realize this, and the rate difference is substantial. This means that transferring your students savings into your account before their second semester of their junior year can result in a lower EFC, so it can be a wise move. If the money wont be needed until later, some parents put the cash into a CD under their own name.4. USE SAVINGS TO PAY DOWN DEBTWhile having money in the bank is generally considered a good thing, it actually hurts your student when it comes time to file their FAFSA. While you dont want to throw money out the window or spend it recklessly, if you have debt, then using your savings to pay it down can be beneficial for two reasons. First, you reduce your debt load, letting you pay less interest over time. Second, it means the cash wont play a role in determining your students EFC (typically increasing it).Typically, you will first want to make sure that any savings you use is earning less interest in that account than you are paying on the debts you will pay down as this ensures you are getting the most value from the decision.5. OPEN A 529 COLLEGE SAVINGS PLANAnother option for lowering your EFC is to transfer some savings (yours or your students) into a 529 college savings plan. All assets in a 529 are calculated at the parental asset rate, and any dis tributions do not affect your students eligibility for financial aid.6. MAKE MAJOR CASH PURCHASES BEFORE FILING THE FAFSAIf you have a major cash purchase on the horizon, complete it before your student completes their FAFSA. Again, this helps lower the amount of any savings you have, ensuring the funds arent part of the EFC calculation.If the cash purchase is for your students education, and they have savings that cant be transferred to your account, then consider having them spend their money first, since their assets are calculated at a higher rate.7. DONT LIMIT YOUR HOUSEHOLD TO ONE COLLEGE STUDENT AT A TIMEWhile the idea of two (or more) family members being in college simultaneously may seem intimidating, it actually helps when it comes time to file a FAFSA.Why? Because the EFC applies to your entire family, not just the individual student. For example, if your EFC is $20,000 and you have two children in college, then half of that amount (or $10,000 a piece) is typically assoc iated with each student in the eyes of school. That means both of your children may cumulatively receive more in their financial aid packages than one of them would get if they are the only college student.And, the two students dont have to be siblings to fall under one EFC on the FAFSA! For example, if you went to college at the same time as your student, that counts too. So, if you were thinking of heading to school, it could be a great time to take the leap.8. UNDERSTAND EFCS CHANGE EVERY YEARIts important to note that your students EFC (Expected Family Contribution) will change every year based on their latest FAFSA information, so changes to income or savings levels can impact their financial aid throughout their college career.That means, not only is it important to start planning for their first FAFSA, but its also important to make wise choices all the way through their final FAFSA filing. That way, your EFC can stay as low as possible, and you can help increase your student s odds of graduating debt free.2019-2020 FAFSA CHANGESThis season, FAFSA has created a new tool to help ease the application process; a new mobile app called myStudentAid. The app is available for iOS and Android and helps give students and families access to the application on the go!Not only is this app an option for applying for the FAFSA, but is a great resource for current college students to check their aid totals. Parents and students can also chat within the app, keeping all your conversations about financial aid organized.While you can apply for FAFSA using the app, we suggest that high school seniors and first-time FAFSA users use the traditional desktop version of the FAFSA to apply. It is important to fully understand each question, and the desktop version allows for a broader view of the application.Finally, FAFSA rolled out a few interfaces changes on their website. If you are returning to apply for FAFSA again, youll notice that the home page has a new layout, designe d to direct you to the correct FAFSA application. Within the forms, there is one color formatting change to be aware of. In the past, student and parent information have been highlighted in 2 different colors. Now, each page uses the same navy blue color. Be extra vigilant while youre applying that you answer questions based on student and parent in the correct sections!In the end, completing the FAFSA is actually pretty easy, and its definitely a must-do for every college student.And remember, the FAFSA form must be completed EVERY YEAR, so make sure your child puts it on their schedule to get it handle when the next years application period opens.Click here to grab a copy of common FAFSA mistakesNext Steps After FAFSA for a Debt-Free DegreeOnce your FAFSA is completed, take a break but not for too long. Its time to apply for scholarships. Believe it or not, scholarship applications are open all-year-round, however, they begin as early as September for the following school year (ye s, 12 months ahead of when the money will be used!)If you want to learn our strategies on how to secure scholarships, including how I secured 6-figures in scholarships, join me for my next free online training at http://www.thescholarshipsystem.com/freewebinar.You can also read more about the best time to apply for scholarships here: When Your Child Should Apply for Scholarships.Lastly, you can also join our new FREE Facebook community, Debt-Free Degree Strategies, where you can ask questions about different strategies for a debt-free degree. We also periodically hold free trainings in the group. Request to join here:https://www.facebook.com/groups/PayingForCollegeStrategies. See you there!Pin6KRedditShare2 Comments Complete Step-by-Step Guide on FAFSA How to Get the Most Financial Aid In the world of financial aid, the Federal Application for Federal Student Aid (FAFSA) is king. So, what is the FAFSA? It is a critical set of forms that determine whether a student is eligible for federal grants and loans, and is used by schools during the crafting of a students financial aid package.If a student doesnt submit their federal student aid FAFSA forms in a timely manner, they might miss out on free money. Why? Because certain kinds of funding are provided on a first-come, first-serve basis. That means, even if a student qualifies, if their application isnt received in time, the money could be gone.Contents1 How Does FAFSA Work?1.1 What is the EFC?1.2 Can You Get Federal Grants for College by Completing the FAFSA?1.3 Is FAFSA a Loan Since You Can Qualify for Federal Student Loans?2 How Do I Qualify for FAFSA?2.1 FAFSA Qualifications2.2 FAFSA Income Limits3 How to Sign Up for FAFSA3.1 FSA ID4 What Do I Need to Fill Out the FAFSA?5 How to Apply for FAFSA5.1 Student Informa tion5.2 School Selection5.3 Dependency Status5.4 Parents Demographics5.5 Financial Information6 How to Complete the FAFSA6.1 Sign and Submit the FAFSA Form7 When to Apply for FAFSA7.1 What is the Deadline for FAFSA?7.2 What to Do if You Miss the School or State FAFSA Deadline?8 How to Get the Most Financial Aid Through the FAFSA (Including Families with Young Students)9 2019-2020 FAFSA CHANGES10 Next Steps After FAFSA for a Debt-Free DegreeClick here to grab a copy of common FAFSA mistakesHow Does FAFSA Work?The FAFSA provides students with access to various funding sources based on specific eligibility requirements. When a student submits an application, their expected family contribution (EFC) is calculated.What is the EFC?The Expected Family Contribute (EFC) is a dollar amount that is calculated after your student completes their FAFSA. Its a reflection of what the system believes your family can afford and is used to determine your students eligibility for a variety of financial aid products, like grants and loans.An EFC is determined based on data from four key areas: parental income and assets (with some exceptions below), and student income and assets.Effectively, each area is used for one calculation on the FAFSA, and then the four results are reviewed together to make a determination.If you want in-depth information on the EFC calculation, the US Department of Educations Federal Student Aid Office has you covered. You can review the information here:The EFC FormulaCan You Get Federal Grants for College by Completing the FAFSA?Yes, students can potentially gain access to federal grants by completing the FAFSA. Often, it is the most coveted for of financial aid.Grants are considered free money (meaning you dont have to pay it back!) that can be used for a range of educational expenses including tuition and books. For your student to receive a grant, you must meet certain criteria like falling below certain FAFSA income limits based on your family size.I s FAFSA a Loan Since You Can Qualify for Federal Student Loans?While the FAFSA can make a student eligible for federal student loans, the FAFSA itself is not a loan application. Instead, it determines whether students qualify for specific kinds of financial aid, including grants and loans.Federal student loans are not free money, as they have to be paid back in accordance with your loan agreement. However, the interest rates are typically lower than the student loans you can find through traditional lenders, like banks and credit unions.Federal student loans come in two forms:subsidized and unsubsidized. Subsidized loans offer better terms including:No interest while your student is enrolled in school at least half-timeNo interest during the six-month grace period after your student leaves schoolNo interest during a period of defermentUnsubsidized loans do not provide any of the no interest benefits offered by subsidized loans, making them more costly over the long-term. While subsi dized loans are need-based awards, families that do not qualify for grants can still often qualify for at least this type of loan which saves students tens of thousands of dollars.Unsubsidized loans can be available without having to demonstrate financial need.The interest rates for subsidized and unsubsidized federal student loans are set by the government, so you dont have to shop around to find the best deal. For loans disbursed between July 1, 2018, and July 1, 2019, the interest rates are 5.05 percent for direct subsidized loans for undergraduates and 5.05 for direct unsubsidized loans for undergraduates. These rates are subject to change for new loans issued after July 1, 2019, but this does not affect the interest rates on loans that have already been issued.How Do I Qualify for FAFSA?If youre wondering who qualifies for FAFSA, the answer is practically everyone attending a college in the US, including citizens (usually anyone with a Social Security number) and eligible non-c itizens.FAFSA QualificationsHere is a complete list of FAFSA eligibility requirements for federal student aid as set by the Department of Education:Be a citizen or eligible noncitizen of the United States.Have a valid Social Security Number. (Students from the Republic of the Marshall Islands, Federated States of Micronesia, and the Republic of Palau are exempt from this requirement.)Have a high school diploma or a General Education Development (GED) certificate, or have completed homeschooling. If you dont, you may still be eligible for federal student aid if you were enrolled in college or career school prior to July 1, 2012. Go to https://studentaid.ed.gov/eligibility/basic-criteria for additional information.Be enrolled in an eligible program as a regular student seeking a degree or certificate.Maintain satisfactory academic progress.Not owe a refund on a federal student grant or be in default on a federal student loan.Register (or already be registered) with the Selective Servi ce System, if you are a male and not currently on active duty in the U.S. Armed Forces. (Students from the Federated States of Micronesia, the Republic of the Marshall Islands and the Republic of Palau are exempt from registering; see https://sss.gov for more information.)Not have a conviction for the possession or sale of illegal drugs for an offense that occurred while you were receiving federal student aid (such as grants, work-study, or loans). If you have such a conviction, you must complete the Student Aid Eligibility Worksheet to determine if you are eligible for aid or partially eligible for aid.For specific kinds of federal financial aid, there can be additional requirements, such as falling within specific income limits. However, those are not a requirement for completing the FAFSA itself.FAFSA Income LimitsThere is no income limit for completing the FAFSA, so anyone who otherwise is eligible can (and should!) complete the application.However, a students income (or their f amily income, if they are a dependent) may limit their access to specific kinds of aid, such as whether they can receive a Federal Pell Grant to help pay for college.How to Sign Up for FAFSATo sign up for the FAFSA, your student needs to either head over to https://studentaid.ed.gov/sa/fafsa or download the Android or iOS app, myStudentAid.This gives your student access to the FAFSA forms, allowing them to apply for financial aid.FSA IDIdeally, your student should create a FSA ID before they complete their FAFSA for the first time. This is a unique username and password that allows them to sign their FAFSA electronically as well as access certain information online or through the app.However, a FSA ID can also be created later in the process when they complete their first FSA. So, if they have already started on their application this year, they arent in a bad spot.Parents also need to create FSA IDs if they want to sign any forms electronically. Its important to note that parents m ust have a Social Security number to be eligible for an FSA ID.What Do I Need to Fill Out the FAFSA?To fill out the FAFSA properly, your student is going to need a lot of information. Plus, if they are a dependent, they dont just need specific documents that cover their situation, but their parents as well.Usually, students need the following to complete the FAFSA:Social Security Number(s)Drivers License or Government-Issued ID NumberAlien Registration Number (for non-US citizens)Federal Tax Returns and W-2sBank StatementsInvestment RecordsUntaxed Income Records (child support, interest income, veterans non-education benefits, etc.)With the right documents available, it takes around 30 minutes to complete the FAFSA first time. Each year after, the process tends to be quicker, as certain information can carry over from one year to the next.How to Apply for FAFSACompleting the FAFSA is a pretty easy process. It can be done online at: https://studentaid.ed.gov/sa/fafsaAlternatively, th ere is also an app for Android and iOS called myStudentAid, that allows students to use mobile devices.Once your student accesses the FAFSA, the process is incredibly straight forward. The application is broken into simple steps, ensuring that nothing important is overlooked.Student InformationThe first section your student will need to complete covers information about their identity, like their name, birth date, and Social Security number. But, if they already have an FSA ID, most of the information will be prepopulated, saving them a substantial amount of time.In most cases, the questions in this section are very straightforward, so they shouldnt run into too many difficulties here. However, there are a lot of them, so it can take a little time.School SelectionSome students find the FAFSA form school selection page intimidating, particularly if they havent officially been accepted to a particular institution. But, whats important to remember, is they can send their FAFSA details to any school, regardless of whether they have been accepted or even applied.Worst case, it is wise to have your student add every school they are considering, as any college they dont end up attending will securely discard the information. Plus, the schools cant see where else your student sent their FAFSA, so theres no risk there either.Your student can add up to 10 schools at a time, and the handy search tool makes it a breeze as long as your student knows the state where the college is located and either the city or the schools name.Dependency StatusThe dependency status section establishes whether your student needs to submit tax information for their parents on their FAFSA form or are considered an independent student based on guidelines set by Congress.Most of the questions are incredibly simple, and your student only needs to select yes or no based on their current situation.Its important to note that your students dependency status for their FAFSA form may differ from that assigned by the IRS for tax purposes. That means the two may not match, so its best not to assume that their tax status automatically applies for their FAFSA.Parents DemographicsThe FAFSA form does contain demographic questions regarding the students parents (yes, that potentially means you), and they do have to be completed even if your student doesnt live with their parents.Again, the information is fairly basic, including items like names, birth dates, Social Security numbers (if applicable), and marital status.An important note is that the students parents are determined based on legal status as guardians, so biological or adoptive parents, as well as legal guardians, may be classified as parents for the purpose of completing the FAFSA form. More information can be found here: Parents on FAFSA FormIf your student has special circumstances that prevents them from providing certain information, additional guidance can be found here: Special Circumstances InstructionsFinancial Info rmationGenerally, the financial information section is the one that causes people the most fear, but it isnt as complicated as it seems.First, the IRS Data Retrieval Tool, accessed through the Link to IRS button, can populate a lot of the information in just a few clicks, so its worth using if your student is eligible. Theyll just need to connect to the IRS system, providing details from the tax filing, check the Transfer My Tax Information into the FAFSA form box, and click Transfer Now. If successful, theyll receive a confirmation message on the FAFSA site.Otherwise, the information can be entered manually, referencing the tax return they should have on hand and any additional financial documents that may be required.How to Complete the FAFSAOnce all of the information is recorded, its time to sign and submit their FAFSA form. That will complete the application process.Sign and Submit the FAFSA FormFor independent students, they can do this on their own. However, dependent student s also need their parents to sign the form to go through.The electronic signature is based on the use of each persons FSA ID. If your student completes their FAFSA in one sitting, they wont have to provide their FSA ID details again to complete the process. Essentially, they can just click submit and send it on its way.Parents will need to enter their FSA ID and identify as Parent 1 or Parent 2 in a drop-down menu, depending on how they were listed on the application.Once everyone has electronically signed, your student should be all set, and their FAFSA will start processing. Your student can monitor the progress of their FAFSA by logging into fafsa.gov, and the schools they selected will automatically get the information, allowing them to use it to build financial aid packages if your student is selected for admission.In the end, completing the FAFSA is actually pretty easy, and its definitely a must-do for every college student.And remember, the FAFSA form must be completed EVERY YEAR, so make sure your student puts it on their schedule to get it handle when the next years application period opens.When to Apply for FAFSACurrently, you can begin submitting FAFSA applications on October 1 for the next school year. For example, October 1, 2019, was the first day for applications for the 2020-2021 school year.Ideally, you want to complete the FAFSA as quickly as possible once applications are being accepted. Many awards are given on a first-come, first-serve basis, so getting in early can be incredibly beneficial.What is the Deadline for FAFSA?The federal FAFSA application deadline provides students with a TON of time to complete their FAFSA for each academic year. For example, for the 2020-2021 school year, students actually have from October 1, 2019 until June 30, 2021 to submit the FAFSA.However, the federal deadline doesnt completely answer this important question: When is FAFSA due?While most people mistakenly assume that the federal deadline is the only o ne that matters, that simply isnt true. States also have their own deadlinesfor certain financial awards and need your students FAFSA information on or before that date if they are going to be eligible. And these deadlines are all over the place.For example, in Delaware, that deadline is April 15, 2020. In Idaho, for priority consideration, students need to submit their FAFSA by March 1, 2020.Some states, like North Carolina, dont have a specific FAFSA due date. Instead, they recommend completing the FAFSA as soon as possible after October 1, 2019, as they will award funds until they are gone, which can happen at any time.Additionally, schools may also set their own FAFSA deadline, making it even more confusing. If your student wants to be considered for institutional awards through their college, then they need to submit their FAFSAs before those dates.Ideally, your student should take a moment and confirm deadlines set by both their state and school, and not just rely on the feder al one.What to Do if You Miss the School or State FAFSA Deadline?If your student missed the state or school FAFSA deadline, all is not lost. It wont necessarily affect their ability to be accepted, but it can mean they missed out on valuable aid funds.However, it is important to have them finish their FAFSA as quickly as possible. Why? Because there could still be aid money out there. Often, the deadline establishes priority amongst applicants but, if all of the funds arent awarded, late applicants might get a second chance.While it isnt wise to count on funds being left over, as it is highly possible that wont be the case, it does mean that the faster your student gets their hat tossed in the ring, the bigger the chance that it isnt actually too late.You can also reach out to your students financial aid office to see if they have any flexibility or funds leftover. You may be pleasantly surprised with how helpful they can be.How to Get the Most Financial Aid Through the FAFSA (Inclu ding Families with Young Students)While it may seem as though you have little control regarding how these calculations unfold, the opposite is actually true.There are strategies that allow you to maximize the FAFSA results, making it easier for your student to receive need-based awards.Please note: We are not financial advisors and recommend running these by your certified financial planner, CPA or another financial expert for verification.Here are a few suggestions to get you started.1. AVOID WITHDRAWING FROM RETIREMENT FUNDSDistributions from Traditional IRAs and 401Ks are treated as taxable income by the FAFSA, which means your EFC will increase and your students eligibility for aid will decrease.If you must use your retirement savings for any purpose, look into loans that are backed by your retirement account instead. Loans are not treated as income, so it wont impact the FAFSA. Or you can make the withdrawal prior to the year that will be used for their FAFSA.As a note, Roth IR As distributions are treated differently on the FAFSA, so the above rules dont apply.2. MAXIMIZE YOUR RETIREMENT SAVINGSHome equity, retirement savings, and even some small businesses are typically excluded when it comes to FAFSA.This means that traditional IRA and 401K contributions reduce the amount of income that is included in the FAFSA calculation, making it easier to get need-based aid. They are also tax-deductible, so maxing out your savings before the end of the tax year (December of your studentssophomore year) can be beneficial.3. TRANSFER YOUR STUDENTS SAVINGS TO YOUR ACCOUNTSDid you know that the FAFSA assesses your students assets at a higher rate than yours? Many parents dont realize this, and the rate difference is substantial. This means that transferring your students savings into your account before their second semester of their junior year can result in a lower EFC, so it can be a wise move. If the money wont be needed until later, some parents put the cash into a CD under their own name.4. USE SAVINGS TO PAY DOWN DEBTWhile having money in the bank is generally considered a good thing, it actually hurts your student when it comes time to file their FAFSA. While you dont want to throw money out the window or spend it recklessly, if you have debt, then using your savings to pay it down can be beneficial for two reasons. First, you reduce your debt load, letting you pay less interest over time. Second, it means the cash wont play a role in determining your students EFC (typically increasing it).Typically, you will first want to make sure that any savings you use is earning less interest in that account than you are paying on the debts you will pay down as this ensures you are getting the most value from the decision.5. OPEN A 529 COLLEGE SAVINGS PLANAnother option for lowering your EFC is to transfer some savings (yours or your students) into a 529 college savings plan. All assets in a 529 are calculated at the parental asset rate, and any dis tributions do not affect your students eligibility for financial aid.6. MAKE MAJOR CASH PURCHASES BEFORE FILING THE FAFSAIf you have a major cash purchase on the horizon, complete it before your student completes their FAFSA. Again, this helps lower the amount of any savings you have, ensuring the funds arent part of the EFC calculation.If the cash purchase is for your students education, and they have savings that cant be transferred to your account, then consider having them spend their money first, since their assets are calculated at a higher rate.7. DONT LIMIT YOUR HOUSEHOLD TO ONE COLLEGE STUDENT AT A TIMEWhile the idea of two (or more) family members being in college simultaneously may seem intimidating, it actually helps when it comes time to file a FAFSA.Why? Because the EFC applies to your entire family, not just the individual student. For example, if your EFC is $20,000 and you have two children in college, then half of that amount (or $10,000 a piece) is typically assoc iated with each student in the eyes of school. That means both of your children may cumulatively receive more in their financial aid packages than one of them would get if they are the only college student.And, the two students dont have to be siblings to fall under one EFC on the FAFSA! For example, if you went to college at the same time as your student, that counts too. So, if you were thinking of heading to school, it could be a great time to take the leap.8. UNDERSTAND EFCS CHANGE EVERY YEARIts important to note that your students EFC (Expected Family Contribution) will change every year based on their latest FAFSA information, so changes to income or savings levels can impact their financial aid throughout their college career.That means, not only is it important to start planning for their first FAFSA, but its also important to make wise choices all the way through their final FAFSA filing. That way, your EFC can stay as low as possible, and you can help increase your student s odds of graduating debt free.2019-2020 FAFSA CHANGESThis season, FAFSA has created a new tool to help ease the application process; a new mobile app called myStudentAid. The app is available for iOS and Android and helps give students and families access to the application on the go!Not only is this app an option for applying for the FAFSA, but is a great resource for current college students to check their aid totals. Parents and students can also chat within the app, keeping all your conversations about financial aid organized.While you can apply for FAFSA using the app, we suggest that high school seniors and first-time FAFSA users use the traditional desktop version of the FAFSA to apply. It is important to fully understand each question, and the desktop version allows for a broader view of the application.Finally, FAFSA rolled out a few interfaces changes on their website. If you are returning to apply for FAFSA again, youll notice that the home page has a new layout, designe d to direct you to the correct FAFSA application. Within the forms, there is one color formatting change to be aware of. In the past, student and parent information have been highlighted in 2 different colors. Now, each page uses the same navy blue color. Be extra vigilant while youre applying that you answer questions based on student and parent in the correct sections!In the end, completing the FAFSA is actually pretty easy, and its definitely a must-do for every college student.And remember, the FAFSA form must be completed EVERY YEAR, so make sure your child puts it on their schedule to get it handle when the next years application period opens.Click here to grab a copy of common FAFSA mistakesNext Steps After FAFSA for a Debt-Free DegreeOnce your FAFSA is completed, take a break but not for too long. Its time to apply for scholarships. Believe it or not, scholarship applications are open all-year-round, however, they begin as early as September for the following school year (ye s, 12 months ahead of when the money will be used!)If you want to learn our strategies on how to secure scholarships, including how I secured 6-figures in scholarships, join me for my next free online training at http://www.thescholarshipsystem.com/freewebinar.You can also read more about the best time to apply for scholarships here: When Your Child Should Apply for Scholarships.Lastly, you can also join our new FREE Facebook community, Debt-Free Degree Strategies, where you can ask questions about different strategies for a debt-free degree. We also periodically hold free trainings in the group. Request to join here:https://www.facebook.com/groups/PayingForCollegeStrategies. See you there!Pin6KRedditShare2 Comments