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Hi everyone!. I'll be attending college in the spring(January 2011) and I have some unanswered questions. What is the difference between fafsa and federal stafford loans? Or is there a difference? Im curious to know. I will be filing as an independent student as I am over the age of 25. I live in the state of North Carolina for reference if needed. I understand there are grants available such as the pell grant but does the school expect you to file for stafford loans to cover tuition or does some part of "financial aid" cover that? I also understand that stafford loans have to be paid back and grants do not...but again, I ask...is financial aid different than stafford loans/grants?!? Please help, Im awfully confused! Thanks so much!
The Fafsa is the form that is required to receive federal and state aid. The Stafford loan is a loan; everyone who received the Stafford filed the Fafsa.
The FAFSA is the free application for all federal student aid. This includes loans like the Subsidized Stafford loan (does not gain interest during your in-school period), and the Unsubsidized Stafford Loan (gains interest while you go to school). It also includes the Federal Pell grant, and the Federal Work Study Program. This is all considered financial aid. Here's the other detail you need to know--since the FAFSA is generally filled out by every student seeking financial aid, it is also the guideline that many scholarship committees and state grant commissions use to determine financial need. So it is a definite must. For this current school year, you can fill it out online, right now using 2009 tax forms. Next step--when you put the schools you are considering on the FAFSA, that application will get sent to them. Their financial aid department will look at your financial information and put together as much aid as they can offer you in this order: 1. Grants and scholarships (If you have applied for scholarships) 2. Work-study (if you have requested it) 3. Loans They will send you a financial aid "award" letter with the amounts and information regarding any deadlines for acceptance of some of the grants. The Pell grant does not have a deadline, so you get it solely based on your need from the FAFSA information, but, depending on the school, the other grants and the work-study usually have deadlines for acceptance. The loans also do not have any deadlines, so you can refuse them then change your mind later if you decide you need some or all of the loan money. You do not have to take the loans. If you can cover your tuition and other expenses using only the grants they offer and your own money, then do it. You can also accept only part of the loans and then later, ask for more of what they offered if you need it. It is likely, this late in the year, that you will only get the Pell grant and the loans offered to you for this school year. Send your acceptances/rejections of financial aid back to the school and they will process it. If they ask you to send your tax forms for verification, do so promptly. They are required to verify a large percentage of their students every year, so don't think they're singling you out. It's pretty much a random draw. After that, you will sign loan forms shortly before school if you accepted loans, and then your aid will just wait until you are ready to start class. For the 2011-2012 school year, on January 2nd, or as soon as possible thereafter, go to www.fafsa.ed.gov, and fill out your FAFSA online using your year-end pay stubs and estimating the numbers that will be on your 2010 tax forms. After April 15th you can go back to update any numbers that might have been wrong. This is perfectly acceptable. IT IS VITAL THAT YOU FILL OUT THE FAFSA new-jersey JANUARY! Here's why--If you qualify for any state grants, you will miss out if you wait until April to fill out the FAFSA. The state grants will be gone by then. The Pell grant will still be around, but it is unlikely you will get any other grant and it could mean you lose a couple thousand more in money you don't have to give back. In the meantime, between January and the new school year, apply, apply, apply for scholarships. The scholarships will be asking for your FAFSA information and sometimes a copy of your award letter from the school so keep a copy of it for yourself. There's lots of money out there. Go get it! Good hunting! Check out and North Carolina's Student Aid Comission -- for more information about federal and state aid. And look for scholarships using
FAFSA is the place you flow to be conscious for all loans for loose with only one utility. the ideas is despatched on your college and that they be conscious it to the loans and provides that are Federal, State and native. Federal Stafford own loan is barely between the numerous investment innovations lined by skill of the FAFSA