Shepherd University Financial Aid: A Comprehensive Guide to Tuition, Scholarships, and Costs

How does Shepherd University’s financial aid system work. What types of scholarships and grants are available to students. How much does tuition cost for in-state and out-of-state students. What is the average net price for attending Shepherd University.

Understanding Shepherd University’s Financial Aid Landscape

Shepherd University, located in Shepherdstown, West Virginia, offers a variety of financial aid options to help students manage the cost of their education. The institution recognizes the importance of making higher education accessible and provides numerous avenues for financial support.

According to recent data, a significant portion of Shepherd University students receive some form of financial assistance:

• 96% of students receive grant or scholarship aid, with an average amount of $11,276
• 57% of students utilize student loan aid, with an average amount of $6,495
• 68% of students benefit from institutional grants or scholarships, averaging $4,450

These statistics demonstrate Shepherd University’s commitment to supporting its students financially. But what exactly does this mean for prospective and current students?

Breaking Down Tuition Costs at Shepherd University

Understanding the tuition costs is crucial for students planning their education at Shepherd University. The institution differentiates between in-state and out-of-state tuition rates:

• In-state tuition: $7,784
• Out-of-state tuition: $18,224

This significant difference highlights the importance of residency status when considering the cost of attendance. But how does Shepherd University compare to other institutions in terms of affordability?

Average Net Price and Family Income

The average net price, which takes into account various forms of financial aid, provides a more accurate picture of what students actually pay. At Shepherd University, the average net price is $10,685. However, this figure varies based on family income:

• Family income less than $30,000: $7,787
• $30,000 – $48,000: $9,126
• $48,000 – $75,000: $11,116
• $75,000 – $110,000: $14,254
• Over $110,000: $14,684

These figures demonstrate Shepherd University’s effort to make education more affordable for lower-income families. How does the institution achieve this?

Federal and State Grant Opportunities at Shepherd University

Shepherd University students have access to various federal and state grant programs. These grants, unlike loans, do not need to be repaid, making them an attractive option for many students.

• 39% of students receive federal grants, with an average amount of $5,063
• 38% benefit from Pell grants, averaging $4,621
• 12% receive other federal grants, with an average of $892
• 46% are awarded state or local government grants or scholarships, averaging $3,921

These statistics highlight the significant role that government aid plays in supporting Shepherd University students. But what about institutional support?

Institutional Scholarships and Grants at Shepherd University

Shepherd University offers a range of institutional scholarships and grants to support its students. These financial aid options are often based on academic merit, talent, or specific fields of study.

Some notable scholarship opportunities include:

• Presidential Scholarship: Up to $12,000
• Provost Scholarship: Up to $6,000
• Dean’s Scholarship: Up to $3,000
• Transfer Scholarship: Up to $5,000
• Talent Scholarships (Art, Music, Theater): Up to $4,500

These scholarships demonstrate Shepherd University’s commitment to recognizing and rewarding student achievements. How can students maximize their chances of receiving these scholarships?

Navigating Student Loans at Shepherd University

While grants and scholarships form a significant part of financial aid at Shepherd University, student loans also play a role in helping students finance their education.

• 57% of students utilize federal student loans, with an average amount of $6,503
• 6% of students use other types of student loans, averaging $11,872

These figures underscore the importance of federal student loans in the financial aid landscape at Shepherd University. But what should students consider when taking out loans?

Understanding the Implications of Student Loans

While student loans can be a valuable tool for financing education, it’s crucial for students to understand their long-term implications. Here are some key points to consider:

• Interest rates and repayment terms vary between federal and private loans
• Federal loans often offer more flexible repayment options
• Students should borrow only what they need to cover educational expenses
• Understanding the concept of future earning potential in relation to loan amounts is crucial

How can students make informed decisions about student loans?

The Application Process and Financial Aid at Shepherd University

Understanding the application process is crucial for students seeking admission and financial aid at Shepherd University. The application fee for Shepherd University is $45, which is relatively modest compared to many other institutions.

Key steps in the application and financial aid process include:

1. Submitting the application for admission
2. Completing the Free Application for Federal Student Aid (FAFSA)
3. Applying for institutional scholarships
4. Reviewing and accepting financial aid offers
5. Exploring additional funding options if necessary

How can prospective students optimize their chances of receiving financial aid?

Campus Life and Student Demographics at Shepherd University

While financial considerations are crucial, understanding the campus environment is also important for prospective students. Shepherd University’s student population offers insights into the college experience:

• Total undergraduates: 2,716
• 7% of students live on campus
• 7% are transfer students
• The majority of students are under age 25

These statistics paint a picture of a relatively small, primarily traditional undergraduate population. How does this demographic makeup influence the campus culture and available resources?

Diversity and Inclusion at Shepherd University

Shepherd University is committed to fostering a diverse and inclusive campus environment. While specific diversity statistics weren’t provided in the original text, it’s important to note that diversity encompasses various aspects including but not limited to race, ethnicity, gender, sexual orientation, socioeconomic background, and more.

How does Shepherd University support diversity and inclusion on campus?

• Offering cultural and diversity-focused student organizations
• Providing resources and support services for underrepresented students
• Incorporating diversity and inclusion initiatives into academic programs
• Hosting events and workshops that promote cultural awareness and understanding

These efforts contribute to creating a welcoming and inclusive environment for all students at Shepherd University.

Maximizing Financial Aid Opportunities at Shepherd University

Given the variety of financial aid options available at Shepherd University, it’s crucial for students to develop strategies to maximize their opportunities. Here are some tips to consider:

1. Apply early: Many scholarships and grants have limited funds and are awarded on a first-come, first-served basis.
2. Maintain academic excellence: Many scholarships are merit-based, so strong academic performance can increase your chances of receiving aid.
3. Explore all options: Don’t limit yourself to just one type of aid. Combine scholarships, grants, and loans to create a comprehensive financial aid package.
4. Stay informed: Keep up-to-date with new scholarship opportunities and financial aid deadlines.
5. Communicate with the financial aid office: They can provide valuable guidance and information about available options.

How can students effectively balance their time between academic pursuits and searching for financial aid opportunities?

The Role of Work-Study Programs

While not explicitly mentioned in the original text, many universities, including Shepherd University, offer work-study programs as part of their financial aid packages. These programs provide students with part-time jobs, often on campus, to help offset educational expenses.

Benefits of work-study programs include:

• Earning money to help pay for education
• Gaining valuable work experience
• Building professional networks
• Developing time management skills

How can students balance work-study commitments with their academic responsibilities?

Planning for the Future: Financial Literacy and Shepherd University

While understanding the immediate financial aspects of attending Shepherd University is crucial, it’s equally important for students to develop long-term financial literacy. This skill set will serve them well beyond their college years.

Key aspects of financial literacy for college students include:

• Understanding credit and managing credit scores
• Creating and sticking to a budget
• Planning for future expenses, including loan repayments
• Understanding investment basics
• Recognizing and avoiding financial scams

Does Shepherd University offer resources or courses to help students develop these crucial financial skills?

The Long-Term Value of a Shepherd University Education

When considering the costs and financial aid options at Shepherd University, it’s important to also consider the long-term value of the education received. Factors to consider include:

• Quality of education and academic programs
• Career services and job placement rates
• Alumni network and connections
• Personal growth and development opportunities

How do these factors contribute to the overall return on investment for a Shepherd University education?

Staying Informed: Financial Aid Resources at Shepherd University

Navigating the world of financial aid can be complex, but Shepherd University provides resources to help students stay informed and make the best decisions for their financial future. Some key resources include:

• The Financial Aid Office: Offering personalized guidance and support
• Online financial aid portals: Providing easy access to aid information and applications
• Financial aid workshops: Helping students understand their options and responsibilities
• Financial literacy programs: Equipping students with essential money management skills

How can students best utilize these resources to optimize their financial aid packages?

The Importance of Ongoing Communication

Financial circumstances can change over time, and it’s crucial for students to maintain open lines of communication with Shepherd University’s financial aid office. This ongoing dialogue can help in several ways:

• Addressing changes in family financial situations
• Exploring additional aid options as they become available
• Understanding and meeting ongoing eligibility requirements for aid
• Planning for future academic years

How often should students check in with the financial aid office, and what key information should they provide?

Beyond Tuition: Understanding the Total Cost of Attendance at Shepherd University

While tuition is a significant part of college expenses, it’s important for students to consider the total cost of attendance when planning their finances. At Shepherd University, this includes:

• Tuition and fees
• Room and board
• Books and supplies
• Personal expenses
• Transportation costs

The weighted average for room and board and other expenses at Shepherd University is calculated based on various living arrangements, including on-campus, off-campus with family, and off-campus not with family. This comprehensive approach ensures that students have a realistic understanding of their total expenses.

How can students effectively budget for these additional expenses beyond tuition?

Strategies for Reducing Overall Costs

While financial aid is crucial, students can also employ strategies to reduce their overall costs of attendance. Some approaches include:

• Renting or buying used textbooks
• Taking advantage of student discounts for services and products
• Exploring affordable housing options
• Utilizing campus resources like libraries and computer labs
• Planning meals and groceries carefully to reduce food expenses

How can students balance cost-saving measures with ensuring they have the resources needed for academic success?

The Impact of Academic Performance on Financial Aid at Shepherd University

Many forms of financial aid, particularly scholarships, are contingent on maintaining certain academic standards. At Shepherd University, this often includes maintaining a minimum GPA and completing a certain number of credit hours each semester.

Key considerations regarding academic performance and financial aid include:

• Understanding the specific requirements for each form of aid
• Regularly monitoring academic progress
• Seeking help early if academic challenges arise
• Balancing course load to maintain eligibility without overwhelming oneself

What resources does Shepherd University provide to help students maintain the academic standards required for financial aid?

The Role of Academic Advising in Financial Planning

Academic advisors at Shepherd University play a crucial role not just in course selection, but also in helping students understand the academic implications of their financial aid. They can assist with:

• Planning course loads that align with financial aid requirements
• Identifying potential academic challenges early
• Connecting students with academic support resources
• Advising on major selection and career planning, which can impact long-term financial outcomes

How can students best utilize their academic advisors in conjunction with the financial aid office to ensure both academic and financial success?

Preparing for Graduation: Financial Considerations for Shepherd University Students

As Shepherd University students approach graduation, there are several financial considerations they should keep in mind:

• Understanding loan repayment options and timelines
• Exploring career services and job placement resources
• Considering graduate school options and associated costs
• Planning for the transition from student to professional life

Shepherd University’s career services department can be a valuable resource during this time, offering guidance on job searches, resume building, and interview preparation. How can students best leverage these resources to ensure a smooth transition from college to career?

Alumni Resources and Ongoing Support

Even after graduation, Shepherd University continues to support its alumni. This can include:

• Access to career services and job boards
• Networking opportunities with other alumni
• Continued access to certain campus resources
• Potential for alumni scholarships for further education

How can current students begin to engage with alumni resources to prepare for their post-graduation lives?

In conclusion, navigating the financial landscape of higher education at Shepherd University requires careful planning, ongoing communication, and a comprehensive understanding of available resources. By taking advantage of the various forms of financial aid, maintaining strong academic performance, and planning for both short-term and long-term financial goals, students can make the most of their educational investment at Shepherd University.

Shepherd University Tuition, Financial Aid, and Scholarships

^*GPA and other eligibility restrictions may apply

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Student Population

Student Diversity

Shepherd University Tuition, Cost and Financial Aid – Shepherdstown, WV

Affordability and Cost

Average Net Price Average net price for full-time, first-time degree/certificate-seeking undergraduates paying the in-state or in-district tuition rate who were awarded grant or scholarship aid from federal, state or local governments, or the institution. Other sources of grant aid are excluded. Aid awarded anytime during the full aid year is included.

Average net price is generated by subtracting the average amount of federal, state or local government, or institutional grant and scholarship aid from the total cost of attendance. Total cost of attendance is the sum of published tuition and required fees (lower of in-district or in-state), books and supplies and the weighted average room and board and other expenses.

$10,685

Calculate your net cost

Average Net Price By Family Income

< $30k

$7,787

$30k – $48k

$9,126

$48k – $75k

$11,116

$75k – $110k

$14,254

$110k+

$14,684

Tuition

In-State Tuition In-state tuition is the tuition charged by institutions to those students who meet the state’s or institution’s residency requirements. In-district tuition is the tuition charged by the institution to those students residing in the locality in which they attend school and may be a lower rate than in-state tuition if offered by the institution.	$7,784
Out-of-State Tuition Out-of-state tuition is the tuition charged by institutions to those students who do not meet the state’s or institution’s residency requirements. Out-of-district tuition is the tuition charged by the institution to those students not residing in the locality in which they attend school.	$18,224

Additional Costs

Financial Aid: visit page

Financial Aid Email: [email protected]

Aid & Grants

100

Need Met

Students Receiving Gift Aid Percent of undergraduate students awarded federal gift aid. Federal gift aid includes any grant or scholarship aid awarded, from the federal government, a state or local government, the institution, and other sources known by the institution.

Students Receiving Grants Percent of undergraduate students awarded grant aid. Grant aid includes any grant or scholarship aid awarded, from the federal government, a state or local government, the institution, and other sources known by the institution.

Students receiving state aid

Students receiving federal aid

Student Loans

Average Debt at Graduation The median federal debt of undergraduate borrowers who graduated. This figure includes only federal loans; it excludes private student loans and Parent PLUS loans.

$13,886

Loan Default Rate

US National: 7%

Median Monthly Loan Payment The median monthly loan payment for student borrowers who completed, if it were repaid over 10 years at a 5.05% interest rate.

What Students Are Saying

I feel like this school is an amazingly good deal. Like I mentioned above there are a lot of things that the university offers that is included in tuition so you don’t have to pay for it. They have everything from film festivals to concerts to art shows to plays. The gym is free to students, the library is huge and very helpful, you may check out movies and Rosetta Stone’s from the library free with your I.D. The meal plan is wonderful and very worth it to use all your meals every day. All in all I feel that Shepherd is a wonderful deal.

Amanda from Manassas, VA

Definitely as an in-state student Shepherd University is a great place and readily affordable compared to other schools.

Kayla from Bluefield, WV

Shepherd’s tuition definitely isn’t as expensive as many other colleges/universities around. It’s pretty affordable when comparing your options. You do get your money’s worth if you take advantage of all the things offered. There are multiple places to choose from for food, and they each take meal plan, so your not eating at the same place everyday either. Many schools don’t let first year students have cars on campus, but Shepherd does. Although the parking pass does cost $65, it’s very affordable when you look at another college that doesn’t let students have a car till sophomore year and their parking pass is over $100. You will definitely get your money’s worth here at Shepherd if, and only if, you enjoy being here.

Crystal from Owings, MD

I think that the dining hall packages could be lower priced for the quality of food you get.

Emma from Houston, TX

Average tuition and costs.

Charles from Pasadena, MD

Shepherd is cheaper than most colleges, but it will cost money to attend. Although Shepherd has great financial aid, so it is affordable.

Kacie from Craigsville, WV

This is a small school in West Virginia, so depending on what degree you get and what you want to do with it, you may come out lacking contacts you would get at a larger university. But you probably actually KNOW more, from the extra one-on-one time with professors, than a graduate from a larger school would.

Sarah from Martinsburg, WV

Very cheap, even for out of state students.

Kady from Hagerstown, MD

This is a great place, and it’s cheaper than other places…unless you’re out of state. As soon as you go out of state the tuition increases obscenely, so it gets a bit pricey. But hey, if you’re paying for a college already and you know Shepherd is a good school like I did, you’ll be able to pull it off, and it’s a great college. Plus a lot of features are included in tuition, like meals, movies, concerts, shows, and going to the gym; a beautiful gym, if I might add. So it is definitely worth it. However, if price is really an issue and you’re out of state, you might be better off finding a cheaper school, or maybe doing community college for a year or two til you can save up or something.

Nathan from Shepherdstown, WV

Read all reviews

US University Funding | Financial assistance | Academic Scholarship | Forbes Education

Academic Scholarship Criteria Groups

o whether the student will receive an academic scholarship or not.

The first group includes average score ( GPA ) . In the United States, GPA refers to the average of all four years of high school. For Russian students, a certificate will be an important document. If the grades in the certificate are lower than for each year of study in grades 9, 10 and 11, then an additional statement of grades by year should be attached. Some schools may recalculate the GPA based on the transcript. Most likely, one should not hope for global improvements here, the score can go to tenths. However, even these will be important for improving the GPA.

The second group of criteria includes the results of exams SAT or ACT . Students take one of the elective exams, and the results are sent to the university.

The most common is the SAT. On it you can score a maximum of 1600 points. It is tacitly believed that a scholarship, with a high level of other groups of criteria, can be counted on, having received from 1400 points and above. But a high average SAT is no guarantee of getting into a university, much less getting a scholarship. All criteria are considered together.

Is it possible to prepare and pass the SAT with a really high score while in Russia? In general, with a high level of motivation, yes, you can. It is better to start preparing two years before the exam and spend 2-3 hours daily preparing. In this case, you can approach the beginning of grade 11 with results of 1450 points and above. Important: applicants begin to submit documents to US universities already in November of the graduating class, that is, by October, students should have everything ready.

In 2020, due to the coronavirus pandemic, some universities, including leading ones, announced that SAT / ACT results will not be taken into account when entering the university. Some other universities were more vague and noted that the results of these exams would have less weight in the university application compared to other criteria. Since the situation is ambiguous and no one can say for sure how universities will evaluate the package of documents for admission without exam results, the opinions of students are divided: someone plans to attach the SAT results to the package of documents, someone does not. My recommendation: if the results are high (from 1380 points), then, of course, it is worth applying them, even if the university announced the temporary cancellation of recording their results.

The third group includes student essay , reflecting both the motivation for studying at the chosen university and the reasons why this particular scholarship student should be taken. The bad news is that the essay should be short, concise, perfectly calibrated in accordance with all essay writing standards. That is, you need to seriously prepare for it again. The good news is that a successful essay can override the non-maximum scores on the previous two items.

The fourth group includes productive additional activities : participation in school clubs, events, sports competitions, etc. – everything counts. This also includes olympiads, conferences, research work in the chosen direction. The results for the entire period of study at High School are considered (for applicants from Russia – starting from the 9th grade).

It is important to understand that the results of additional activities are not just a translation of all certificates and diplomas, but a thorough description of what and, most importantly, why you did these additional classes, how they relate to your future studies and, preferably, your career. And they should also demonstrate your versatile interests and ability to plan time. This group of criteria can also overpower the results of the first two groups.

In most cases, universities want to have academically strong, versatile individuals on campus, not the epitome of average test scores. That is, in fact, an applicant with a GPA 3.9 and SAT 1450, who has won several regional olympiads, runs a club of young leaders, plays the bass guitar in a school band, and in the summer participated in volunteer programs for the restoration of ancient monuments, has more chances to receive a scholarship than an applicant with a GPA 4.1 and SAT 1580, who does nothing more than intensive training in subjects during his school years.

But, again, all indicators are evaluated in aggregate and it is important to understand how much the student was passionate about additional activities, and did not do it just for the sake of filling out the university application form.

The fifth group of criteria is letters of recommendation from teachers . The culture of writing recommendations in American and Russian schools is very different. In the US, the “write it yourself, and I will sign” option does not work at all. A letter of recommendation should be as detailed as possible, describing both the success of the student and the aspects that need to be developed. The university admissions committees really pay special attention to letters of recommendation, so it is extremely important that the letters are written at a high professional level.

In some cases, universities may ask the student to complete the video interview , where the admissions committee will ask additional or more in-depth questions to help the student present themselves as an outstanding student deserving of the highest possible scholarship.

Financial support from US universities

Higher education in the US is expensive. The good news is that talented, high-achieving students may qualify for financial aid. We talk about its types and methods of obtaining in the article.

Financial assistance is money that is allocated to certain groups of students to pay for university education.

Financial aid may be provided on a means-tested or academic basis. Scholarships, grants, work-study programs, educational loans, tax credits are all forms of financial assistance. Some species will subsequently need to be returned, and some do not require a return.

Funds for financial assistance are provided by universities, foundations, private organizations, federal structures (the latter – for US citizens).

Need-based aid

Need-based aid is given to students whose families do not have sufficient funds to cover the cost of their child’s education at a university. To receive it, you need to prove that the family is really not able to pay the amount that the university asks for.

If an applicant wants to apply for financial assistance on a need basis, he will have to fill out the appropriate questionnaires when applying and provide a variety of information about the well-being of the family : From documented parental income to proof of ownership.

The university will then evaluate the applicant’s ability to cover the costs and make a decision whether to pay for his education or not.

An important remark: the applicant’s opinion about his ability to pay for education and the opinion of the university may not coincide. It is not uncommon for an applicant to be sincerely convinced that he will not be able to afford the cost of education, but the university thinks otherwise.

The university may cover all or part of the tuition fees. After assessing the well-being of the family, the amount of the so-called “family contribution” will be determined – the amount that the family is still able to pay. The amount of the “family contribution” is deducted from the total cost of education – this will be the amount that the university is ready to cover.

You can apply for means-based financial assistance on the FAFSA (Free Application for Federal Student Aid) website. You can apply to students of the last grades from October 1, as well as in subsequent years. Approximately 18 million students apply each year for federal financial aid through the FAFSA platform.

Merit-based aid

Merit-based aid is given in the form of scholarships for achievements in and out of school. These can be academic, sports, musical, artistic and other achievements in various fields.

10 American universities that offer generous financial aid

• Columbia University
• Yale University
• Williams College
• Amherst College
• Harvard University
• Vassar College
• Webb Institute
• Duke University
• University of Chicago
• Colgate University

Can you afford to study in the USA?

How to Get Financial Aid – Crimson Education Expert Advice and Advice

How to Get Started?

Start by learning how to get financial assistance. Check out the rules for granting it to the universities you want to enroll in, what types of assistance they offer, what documents you need to fill out and when to apply.

How much financial assistance can I get?

The amount of financial assistance depends on a number of factors that are individual for each student. Such factors, in particular, include the cost of studying at a university, the financial situation of the applicant and his family, citizenship, personal history and social activities.

Where else can I get financial assistance?

US citizens have access to federal and state financial assistance programs. Foreign applicants are deprived of such an opportunity.

But you can apply for scholarships from private foundations, such as the Gates Foundation, the Coca-Cola Foundation. For scholarships, you can apply to organizations in your country.

Still, the main source of financial aid in the US is the universities themselves. In 2018-19, universities spent more than $76 billion on student tuition fees, according to educationdata.org.

Does the need-blind or need-aware policy of the university affect the prospects for receiving financial support?

Need-blind is the policy of the university, when the university does not take into account the applicant’s need for financial assistance when making a decision on admission. And vice versa, need-aware is the policy of the university, when, when making a decision on enrolling a student, the university takes into account the applicant’s need for financial assistance, that is, a request for financial assistance in this case reduces the chance of admission.

Need-blind does not guarantee receipt of financial support, just as need-aware does not indicate that it is impossible to obtain it.

What should I include on my financial aid appeal letter?

If, due to life circumstances, an applicant needs additional financial assistance, he can apply for it. It must indicate significant changes in the financial situation of the family (loss of permanent income or lump-sum income, significant and unexpected medical expenses) that were not reflected in previously submitted applications.

The application must describe in detail the specific circumstances that led to such a situation: what happened and when, how much the financial situation worsened, and whether this change is permanent or temporary. The application must be accompanied by documents confirming the situation.

Can the university provide financial assistance comparable to that offered by another university?

Let’s say an applicant received financial assistance from two universities: in the first, its amount is less than in the second, but the first university is the applicant’s dream university and he would like to study in it. Can an applicant ask the first institution to increase the amount of financial assistance to the level of the second institution?

The answer will depend on the rules of the particular university. Many universities strive to “show the product face” and are ready to offer the student the most competitive option for financial assistance. However, before applying for an increase in assistance, we advise you to find out if the rules of the university allow you to offer an applicant the amount of financial assistance that corresponds to the offers of competing universities.

What does “meeting full demonstrated need” mean?

If a university is willing to “fully satisfy a verified need for financial aid”, this means that it has offered an applicant a financial aid package that covers the difference between tuition fees (including tuition fees, living expenses, meals, textbooks, supplies and travel) and the ability of the student’s family to pay these costs.

For example, the tuition fee is $80,000, and the family’s ability to pay is estimated at $20,000. This means that the university will pay the missing $60,000.

Financial aid can include not only grants, but also education loans and on-campus jobs.

What financial aid is available to international students?

The main sources of financial assistance to international students are scholarships and private student loans (a type of financial aid on need) provided by universities. Foreign students can apply for scholarships to private organizations that support students in the United States.

How Crimson Education Helps Applicants Get Financial Aid

The financial aid application process is not an easy one. It is important to take into account the requirements of universities, deadlines, and provide a complete package of documents. In order to avoid mistakes and increase the chances of receiving the coveted financial support, you can contact Crimson Education. Our Financial Aid and Scholarship Advisors will guide you through this challenging journey.

We start by talking about two financial aid application options, the free FAFSA application and the CSS Profile.