Chapter 1 Get the Money You Need | p. 13 |
Get the money you need | p. 14 |
How this book will help you cut your tuition bill | p. 14 |
How to read this book | p. 15 |
What are you waiting for? Let's get started! | p. 16 |
Chapter 2 Best Places to Find Scholarships for Adults | p. 19 |
Extra! Adult student scholarships do exist? | p. 20 |
Reality check | p. 20 |
Lena's story | p. 21 |
The golden rule of scholarships | p. 24 |
Looking for scholarships in your community | p. 25 |
What is the purpose of the scholarship essay? | p. 31 |
How do I write a winning scholarship essay? | p. 36 |
Don't ignore your college or university | p. 39 |
Aren't all scholarships based on financial need? | p. 40 |
Searching beyond your community | p. 44 |
How do I describe my accomplishments to impress the judges? | p. 60 |
How do I actually win a scholarship? | p. 64 |
Chapter 3 Scholarships Just for Adult Students | p. 67 |
Ardella's story | p. 68 |
Scholarships for adult students | p. 71 |
Scholarship drawings | p. 76 |
Chapter 4 Maximize Your Federal Financial Aid | p. 79 |
Getting your share of federal financial aid | p. 80 |
Jane and Marilou's story | p. 81 |
Getting started with financial aid | p. 83 |
What is the timeline for applying for financial aid? | p. 84 |
How to determine your financial need | p. 84 |
What counts as expenses | p. 88 |
Where do I get the FAFSA? | p. 89 |
Lower your Expected Family Contribution | p. 90 |
When should I apply for financial aid? | p. 97 |
Chapter 5 Borrowing the Money You Need | p. 103 |
Investing in your education | p. 104 |
Diane's story | p. 105 |
Student loan programs | p. 108 |
Private student loans | p. 117 |
Can I ever get my student loan totally forgiven? | p. 119 |
Chapter 6 Money from Your State | p. 123 |
Getting money from your state government | p. 124 |
Jacqueline's story | p. 124 |
What your state offers | p. 126 |
State aid programs | p. 128 |
What can I get from, my state higher education agency? | p. 137 |
Chapter 7 Money from Your College | p. 145 |
Money from your college | p. 146 |
Stephanie's story | p. 147 |
Hitting up your college for money | p. 149 |
Pam's story | p. 157 |
How should I contact the financial aid office to ask for a reassessment? | p. 161 |
Chapter 8 Get Your Employer to Pay | p. 165 |
Get your employer to pay | p. 166 |
Alan's story | p. 167 |
Why would my company pay for my education? | p. 169 |
What do these education benefits look like? | p. 169 |
Chapter 9 Take Advantage of Retraining Programs | p. 175 |
Take advantage of retraining programs | p. 176 |
Dawn's story | p. 176 |
Federal and state retraining programs | p. 178 |
Chapter 10 Earn Credit for Life Experiences | p. 183 |
Earn credit for life experiences | p. 184 |
Jane's story | p. 185 |
Earn college credit to graduate early | p. 187 |
Chapter 11 Be a Part-Time Student | p. 193 |
Working and studying at the same time | p. 194 |
Jennifer's story | p. 194 |
Part-time options | p. 197 |
What should I look for when selecting a part-time program? | p. 201 |
Chapter 12 Smart Saving Strategies for College | p. 203 |
Saving for college | p. 204 |
Roberta's story | p. 205 |
Why you should consider your state's 529 Plan | p. 211 |
Make a super gift to your 529 Savings Plan | p. 211 |
How to choose a 529 Savings Plan | p. 211 |
Don't stop saving once you're in college | p. 213 |
Chapter 13 Tax Breaks for Students | p. 219 |
Get your tax dollars back | p. 220 |
Paula's story | p. 220 |
The no double-dipping rule | p. 222 |
What's the difference between a tax credit and deduction? | p. 227 |
Chapter 14 Loan Forgiveness Programs | p. 231 |
Have your student loans forgiven | p. 232 |
Hee's story | p. 233 |
National loan repayment and scholarship for service programs | p. 235 |
State loan forgiveness programs | p. 240 |
Chapter 15 Military Education Benefits | p. 251 |
Soldiering your way to an education | p. 252 |
Charles and Arthur's story | p. 252 |
The Montgomery GI Bill | p. 255 |
Randall's story | p. 259 |
Special military and veteran scholarships | p. 261 |
Can I go to college at the same time I am in the military? | p. 265 |
Chapter 16 Avoid Financial Aid Scams | p. 267 |
Keeping your money safe | p. 268 |
Arnold's story | p. 268 |
Why do so many scammers succeed? | p. 272 |
Chapter 17 You Can Do It | p. 275 |
You can do it | p. 276 |
Index | p. 279 |