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Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review Jan. 24, 2007 / 5 Shevat, 5767

College money is waiting; don't procrastinate

By Vicki Lee Parker


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http://www.JewishWorldReview.com | (MCT) In a recent meeting, I mentioned that I was writing a column about FAFSAs and a collective groan came from around the table.

No doubt I had drudged up nightmarish memories of staying up half the night completing the long Free Application for Federal Student Aid form. It is a rite of passage for nearly every college student and parent.

The document is used to determine students' eligibility for federal and state college grants, scholarships and other financing. Although the deadline to file FAFSAs is July 2, the clock started ticking Jan. 1, the first day the U.S. Department of Education began accepting the form.

The good news is you can fill out the form online, speeding up filing. The bad news is that the form is still lengthy - 102 questions, to be exact. Experts estimate that it takes up to two hours to complete, and that's only if you are organized and have the necessary documents.

However long it takes, it's best not to procrastinate.

"The cost of missing a deadline can be measured in real dollars," said Martha Holler, a financial aid expert with Sallie Mae. "Some states have lots of free money, but if you apply after their deadline, you jeopardize your chance of getting some. And when it's gone, it's gone."

Federal funds such as the Pell Grant are available year-round, but you must beat deadlines.

The important thing is to complete the FAFSA form in time to meet the state's deadline, as well as the deadlines of the colleges where you are applying. Many have deadlines are in February, Holler said.

If you are wondering whether your income is too high to benefit from filing a FAFSA form, the answer is usually no, Holler said. "If you think you make too much money or have too many assets, Sallie Mae still recommends that you hedge your bets and ... fill out the form," she said.

Some assets are not considered in figuring financial need, such as the value of a home and retirement savings. "When all the details are run through, you might be surprised what you can get," she said.

Once the FAFSA form is complete, students are considered for a number of state and federal grant programs, as well as some low-interest loans.

Don't forget: Some schools require separate applications in addition to a FAFSA form.

If you haven't gotten started on the dreaded FAFSA, here's what you should do first.

Apply for a secure PIN number from the U.S. Department of Education to get access to a FAFSA application online. This can take a couple of days.

The FAFSA form will require information from your 2006 federal income tax return. If you haven't completed a return (most of us haven't even started it), you will have to estimate those numbers based on documents such as your last 2006 pay stub.

Once you complete and file your tax return, go online and update your FAFSA form.

You also will need your:

  • Social Security number

  • Driver's license

  • 2006 W-2 forms and other records of money earned

    <

  • Parents' 2006 tax return (if the student is a dependent)

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  • Student's 2006 tax return

  • 2006 records of untaxed income such as veterans' benefits, Social Security, assistance to needy families or welfare

  • Recent bank statements

  • Recent investment and mortgage information, business and farm records

  • Alien registration number or permanent residence card (if you are not a U.S. citizen)

Get the form at fafsa.ed.gov or call the Federal Student Aid Information Center at (800) 433-3243 or CFNC at (866) 866-2362.

Every weekday JewishWorldReview.com publishes what many in in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here.

Vicki Lee Parker is a columnist for The News & Observer. Comment by clicking here.

Previously:

Extended warranties rarely worthwhile
Too busy for tax planning? It'll cost you


© 2007, The News & Observer Distributed by McClatchy-Tribune Information Services

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