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Tips for Paying For College

Student Aid

There are four main types of student aid:

Scholarships are awarded based on criteria set by the grantor. You do not have to be academically
gifted for many scholarships.

Grants are based on need and do not have to be paid back if certain conditions are met.

Work-Study Programs allow you to earn money while you are in school to help reduce
the cost of your education and the need to borrow.

Loans have to be paid back with interest. There are many different types of loans. Some carry high interest rates and payments, and they may limit your financial choices when you graduate. Generally, federal loans are less expensive than private loans and should be used first. Some states also have loan programs that are inexpensive.


If you use loans to finance your education, make sure that you will be able to afford the payment when you finish school. You may want to consider a less expensive school (such as a community or state college), living at home, and/or working part time to keep the cost affordable. A certified counselor at Navicore Solutions can help you prepare a budget and review your options.
When you finish school, your payment could be as much as a mortgage and last just as long. It could also prevent you from spending money on other things that you want. Don’t borrow more than you need.


  • The Office of Federal Student Aid provides information on college preparation and federal student programs.
  • The Free Application for Federal Student Aid (FAFSA) allows you to apply for federal student aid.
  • FAFSA4caster will help you understand your options for paying for college. You can also estimate your eligibility for federal student aid.
  • provides information on state-specific scholarships.
  • Your high school counselor and the student aid office at the colleges you are considering are also good sources of information. The material in this brochure is for general information purposes only and can change at any time. Check with the sources listed above to ensure that you have the most current information.
  • Making Financial Aid work for You: With college costs rising every year it has never been more important for students to take advantage of financial aid, but this process can be daunting and frustrating for many students and their families. Our new financial aid guide aims to make funding a college education much more approachable.
  • Scholarships for Accounting Students:  A list of accounting scholarships that may help the graduate accounting student ease the financial burden enough to complete the course. This list of accounting scholarships is extensive but it is by no means complete. Every college and university offering a master’s in accounting degree program has its own scholarship program.
  • Business Degree Scholarships for College Students a list of scholarship options for business degree students in the United States
  • MBA Scholarship List For students who are planning on taking up an MBA after earning their bachelor’s degree in business, this is a list of 900+ scholarship options for MBA students.

This information is available to download or print as a PDF file: Paying for College