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Applying for Financial Aid 2011-2012

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Applying for Financial Aid 2011-2012

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    1. Applying for Financial Aid 2011-2012 Thank you for coming to our California Cash for College workshop. Today, we will be discussing how to apply for financial aid in 2011-2012. Thank you for coming to our California Cash for College workshop. Today, we will be discussing how to apply for financial aid in 2011-2012.

    2. What Will You Learn Today? Types and sources of financial aid Required financial aid application forms How to complete the Free Application for Federal Student Aid (FAFSA) Worksheet Questions & Answers 2 At today’s workshop, we will discuss: -the types and sources of financial aid -the financial aid application forms you will need to complete -tips for completing the Free Application for Federal Student Aid - often called the FAFSA - and the Cal Grant GPA Verification Form. Finally, we will provide you with an opportunity to get individual help in completing your FAFSA on the Web Worksheet and the Cal Grant GPA Verification Form. (NOTE TO PRESENTERS: If the presentation site has access to computers and the participants will be able to work on the FAFSA on the Web itself, change these notes. The slides and these accompanying notes assume that the participants will be working on the Worksheet only.) Each of you should have two forms for use later in this session: - the 2011-2012 FAFSA on the Web Worksheet; and - the 2011-2012 Cal Grant GPA Verification Form . If you do not have copies of these forms, please raise your hand so we can get them to you. NOTE TO PRESENTERS: If you decide not to cover the financial aid overview information contained in Slides 4-8, and 10, be sure to hide these slides and adjust the text of this slide (3) to delete the reference to “Types and Sources of Financial Aid.” At today’s workshop, we will discuss: -the types and sources of financial aid -the financial aid application forms you will need to complete -tips for completing the Free Application for Federal Student Aid - often called the FAFSA - and the Cal Grant GPA Verification Form. Finally, we will provide you with an opportunity to get individual help in completing your FAFSA on the Web Worksheet and the Cal Grant GPA Verification Form. (NOTE TO PRESENTERS: If the presentation site has access to computers and the participants will be able to work on the FAFSA on the Web itself, change these notes. The slides and these accompanying notes assume that the participants will be working on the Worksheet only.) Each of you should have two forms for use later in this session: - the 2011-2012 FAFSA on the Web Worksheet; and - the 2011-2012 Cal Grant GPA Verification Form . If you do not have copies of these forms, please raise your hand so we can get them to you. NOTE TO PRESENTERS: If you decide not to cover the financial aid overview information contained in Slides 4-8, and 10, be sure to hide these slides and adjust the text of this slide (3) to delete the reference to “Types and Sources of Financial Aid.”

    3. Types of Financial Aid Gift Aid - Grants or Scholarships - FREE Work-study - Money earned by the student as payment for a job on or off campus Loans - Borrowed money with interest – NOT FREE – YOU MUST PAY BACK! 3 There are three major types of financial aid – grants and scholarships, work-study, and educational loans. Grants and scholarships are gift aid that does not require repayment. Grants are usually based on the student’s financial need. Scholarships are generally based on talent and/or merit. While there are a number of grants and scholarships available to California students, the Cal Grant program is one of the most important and valuable. Cal Grants are an example of gift aid based on need and merit. We will discuss Cal Grants in more detail later in the presentation. Work-study programs provide opportunities for students to earn money to help pay for school expenses. Both students and parents can borrow from a variety of low interest loan programs designed to help with the educational expenses of the student. Student loans usually do not require repayment until the student is no longer in school. Parent loans may require payment while the student is still in school.There are three major types of financial aid – grants and scholarships, work-study, and educational loans. Grants and scholarships are gift aid that does not require repayment. Grants are usually based on the student’s financial need. Scholarships are generally based on talent and/or merit. While there are a number of grants and scholarships available to California students, the Cal Grant program is one of the most important and valuable. Cal Grants are an example of gift aid based on need and merit. We will discuss Cal Grants in more detail later in the presentation. Work-study programs provide opportunities for students to earn money to help pay for school expenses. Both students and parents can borrow from a variety of low interest loan programs designed to help with the educational expenses of the student. Student loans usually do not require repayment until the student is no longer in school. Parent loans may require payment while the student is still in school.

    4. Sources of Financial Aid Federal government State government Colleges and universities Private agencies, companies, foundations, and parents’ employers 4 By completing the financial aid applications and any other documents required by the colleges and universities to which the students are applying, they may be considered for funds from: - the federal government - the state government, as well as - colleges and universities themselves Private agencies, companies, foundations, and maybe even the parents’ employers provide scholarships for college; although these sources provide less than 6% of the total financial aid awarded to students. Check with each of the private agencies, companies, and foundations to which the students wish to apply about application forms and deadlines. Web sites such as www.fastweb.com and www.finaid.org are good resources for such scholarships. By completing the financial aid applications and any other documents required by the colleges and universities to which the students are applying, they may be considered for funds from: - the federal government - the state government, as well as - colleges and universities themselves Private agencies, companies, foundations, and maybe even the parents’ employers provide scholarships for college; although these sources provide less than 6% of the total financial aid awarded to students. Check with each of the private agencies, companies, and foundations to which the students wish to apply about application forms and deadlines. Web sites such as www.fastweb.com and www.finaid.org are good resources for such scholarships.

    5. FAFSA Information & Tips File early, but no later than March 2, 2011 Use estimated 2010 income information if taxes are not completed by March 2, 2011 Student and at least one parent whose information is reported must complete and sign the FAFSA 5 It is important to submit the FAFSA as early as possible after January 1, 2011, but no later than March 2, 2011, to be considered for a Cal Grant. Remember, families should report estimated 2010 student and parent income information if their 2010 federal income tax forms have not been completed at the time they submit the FAFSA. There will be plenty of time to make corrections at a later date. The student and at least one parent whose information is reported on the FAFSA must complete and sign the FAFSA. This parent is often referred to as the custodial parent.It is important to submit the FAFSA as early as possible after January 1, 2011, but no later than March 2, 2011, to be considered for a Cal Grant. Remember, families should report estimated 2010 student and parent income information if their 2010 federal income tax forms have not been completed at the time they submit the FAFSA. There will be plenty of time to make corrections at a later date. The student and at least one parent whose information is reported on the FAFSA must complete and sign the FAFSA. This parent is often referred to as the custodial parent.

    6. FAFSA on the Web 6 FAFSA on the Web The primary benefit of using FAFSA on the Web is that the processing time is significantly reduced. Students and schools receive a response from the federal processor more quickly, which in turn assists schools in preparing a more timely notification of eligibility for financial aid. (This is a definite advantage if you are trying to decide between two or more schools.) Other benefits are: ? Fewer errors on the form. Built-in edit checks will not allow the family to go to the next section if something is left incomplete in a prior section. Before submitting the FAFSA, the program will do a final review of the entire application, checking for missing and/or conflicting information. ? Thanks to skip logic, there are fewer questions to complete. This means that you will not be asked questions that do not apply to you. (Example: unmarried students will not be asked questions about a spouse.) ? In many cases, drop down boxes are provided so the family can choose from a selection of responses. ? As soon as the FAFSA on the Web is submitted, a confirmation page can be printed to instantly verify that the application has been submitted. This page will contain a Confirmation Stamp showing the date and time that the FAFSA was successfully submitted.   To take full advantage of FAFSA on the Web, remember that both the student and one of his or her custodial parents must have a federal PIN to electronically sign the FOTW.  FAFSA on the Web The primary benefit of using FAFSA on the Web is that the processing time is significantly reduced. Students and schools receive a response from the federal processor more quickly, which in turn assists schools in preparing a more timely notification of eligibility for financial aid. (This is a definite advantage if you are trying to decide between two or more schools.) Other benefits are: ? Fewer errors on the form. Built-in edit checks will not allow the family to go to the next section if something is left incomplete in a prior section. Before submitting the FAFSA, the program will do a final review of the entire application, checking for missing and/or conflicting information. ? Thanks to skip logic, there are fewer questions to complete. This means that you will not be asked questions that do not apply to you. (Example: unmarried students will not be asked questions about a spouse.) ? In many cases, drop down boxes are provided so the family can choose from a selection of responses. ? As soon as the FAFSA on the Web is submitted, a confirmation page can be printed to instantly verify that the application has been submitted. This page will contain a Confirmation Stamp showing the date and time that the FAFSA was successfully submitted.   To take full advantage of FAFSA on the Web, remember that both the student and one of his or her custodial parents must have a federal PIN to electronically sign the FOTW.  

    7. Getting Ready Before starting the FAFSA, gather: Student driver’s license Student Alien Registration Card (if not U.S. Citizen) Student and Parent Social Security cards 2010 Federal Tax Return (if filed, if not see below) 2010 W-2 Forms last paystub in 2010 SSI, Unemployment, etc. Current bank statements Business, farm, and other real estate records Records of stocks, bonds, and other investments Create a file for copies of all financial aid documents submitted 7 Here is a list of records families may need, based on their circumstances, in order to complete the FAFSA. Filling out the FAFSA will be easier and less time-consuming if the student and the family gather these records before going on-line or starting the paper form. Keep in mind that not all families will have all of these records. The student will need : -Student driver’s license (if the student has one); and -Student Alien Registration Card (if the student is an eligible noncitizen) Student and parents will need: - Social Security cards - W-2 forms, records of any money earned in 2010, and records of other taxable income such as unemployment benefits - 2010 federal income tax returns (if completed). Remember, 2010 federal tax returns do not need to be completed to apply for student financial aid. It is more important to submit the FAFSA and other aid applications by the published deadlines using estimated data than to wait until 2010 student and parent tax returns are actually completed. - Records of 2010 untaxed income - Current bank and real estate records - Records of any stocks, bonds, and other investments For future reference, be sure to keep copies of all financial aid documents used to complete the FAFSA, a copy of the completed FAFSA as well as a copy of the Student Aid Report. Students must reapply each year for financial aid.Here is a list of records families may need, based on their circumstances, in order to complete the FAFSA. Filling out the FAFSA will be easier and less time-consuming if the student and the family gather these records before going on-line or starting the paper form. Keep in mind that not all families will have all of these records. The student will need : -Student driver’s license (if the student has one); and -Student Alien Registration Card (if the student is an eligible noncitizen) Student and parents will need: - Social Security cards - W-2 forms, records of any money earned in 2010, and records of other taxable income such as unemployment benefits - 2010 federal income tax returns (if completed). Remember, 2010 federal tax returns do not need to be completed to apply for student financial aid. It is more important to submit the FAFSA and other aid applications by the published deadlines using estimated data than to wait until 2010 student and parent tax returns are actually completed. - Records of 2010 untaxed income - Current bank and real estate records - Records of any stocks, bonds, and other investments For future reference, be sure to keep copies of all financial aid documents used to complete the FAFSA, a copy of the completed FAFSA as well as a copy of the Student Aid Report. Students must reapply each year for financial aid.

    8. FAFSA on the Web Worksheet 8 In our presentation today, we will focus on how to complete the 2011-2012 FAFSA on the Web Worksheet so that you can use it when completing the online FAFSA.In our presentation today, we will focus on how to complete the 2011-2012 FAFSA on the Web Worksheet so that you can use it when completing the online FAFSA.

    9. The FOTW Worksheet A Four Section Form Section 1 – is about the student Section 2 – determines student dependency status Section 3 – collects parental information for dependent students Section 4 – collects student finances and information about the independent student 9 Today, we will talk about the FAFSA on the Web Worksheet . It is referred to as the FOTW Worksheet and is in booklet format. General instructions are on page 1, the FOTW Worksheet is on pages 2 through 4. Sections shaded gray are for students and those shaded purple are for parents Important contact information can be found in the instructions Deadline dates are shown for state aid and an explanation of the type of deadline - date received, date postmarked, date processed, etc. States requiring additional forms are marked with an asterisk. For instance, the State of California requires the Cal Grant GPA Verification form. The FOTW consists of the following 4 Sections: Section 1 - asks for information about the student--The words “you” and “your” refer to the student applicant. This section also allows the student to have FAFSA data sent to up to ten colleges, universities, and scholarship programs Section 2 - determines whether the student’s parents must provide financial data on the FAFSA Section 3 – collects data about parents’ 2010 taxed and untaxed income and assets, as well as information about the parents’ household Section 4 – collects data about the student’s 2010 taxed and untaxed income and assets, as well as information about the independent student’s household It is important to note that the FOTW Worksheet does not include every question found on the actual FAFSA on the Web site. But it will give you a very good start. We will note some of the important questions that are not on the Worksheet as we go through the presentation.Today, we will talk about the FAFSA on the Web Worksheet . It is referred to as the FOTW Worksheet and is in booklet format. General instructions are on page 1, the FOTW Worksheet is on pages 2 through 4. Sections shaded gray are for students and those shaded purple are for parents Important contact information can be found in the instructions Deadline dates are shown for state aid and an explanation of the type of deadline - date received, date postmarked, date processed, etc. States requiring additional forms are marked with an asterisk. For instance, the State of California requires the Cal Grant GPA Verification form. The FOTW consists of the following 4 Sections: Section 1 - asks for information about the student--The words “you” and “your” refer to the student applicant. This section also allows the student to have FAFSA data sent to up to ten colleges, universities, and scholarship programs Section 2 - determines whether the student’s parents must provide financial data on the FAFSA Section 3 – collects data about parents’ 2010 taxed and untaxed income and assets, as well as information about the parents’ household Section 4 – collects data about the student’s 2010 taxed and untaxed income and assets, as well as information about the independent student’s household It is important to note that the FOTW Worksheet does not include every question found on the actual FAFSA on the Web site. But it will give you a very good start. We will note some of the important questions that are not on the Worksheet as we go through the presentation.

    10. Section 1 (page 2) STUDENT INFORMATION Section 1 collects information about the student. The questions on the FAFSA on the Web Worksheet are not numbered, so follow along with the text of the questions. There are more questions on the web site than appear on the Worksheet. We will not cover every question on the Worksheet – just those that can be confusing to students and their parents. In addition, we will provide information about some important questions that are not on the Worksheet, but do appear on the FAFSA website. Section 1 collects information about the student. The questions on the FAFSA on the Web Worksheet are not numbered, so follow along with the text of the questions. There are more questions on the web site than appear on the Worksheet. We will not cover every question on the Worksheet – just those that can be confusing to students and their parents. In addition, we will provide information about some important questions that are not on the Worksheet, but do appear on the FAFSA website.

    11. Section 1 Student Name 11 Student Name: It is important to list the student’s name exactly as it is listed on the student’s Social Security card. The FAFSA on the Web website will ask for the student’s last name, first name and middle initial. For example: report Susan M. Jones, not Suzie Jones, if Susan Marie is shown on the Social Security card as the first and middle names. Student Name: It is important to list the student’s name exactly as it is listed on the student’s Social Security card. The FAFSA on the Web website will ask for the student’s last name, first name and middle initial. For example: report Susan M. Jones, not Suzie Jones, if Susan Marie is shown on the Social Security card as the first and middle names.

    12. Section 1 Student Social Security Number 12 Student Social Security Number: We encourage students to refer to a copy of their actual Social Security card to help ensure the correct number is reported. A common mistake made by parents is to enter their own number or that of another sibling. - it is important that both pieces of student data (name and SSN) match the Social Security card exactly, because the U.S. Department of Education conducts an electronic match of the student’s name and SSN with the Social Security Administration -To apply for a Social Security Number (SSN) or to get a replacement Social Security card, contact the Social Security Administration (SSA) at (800) 772-1213 or go to their website at www.ssa.gov Student Social Security Number: We encourage students to refer to a copy of their actual Social Security card to help ensure the correct number is reported. A common mistake made by parents is to enter their own number or that of another sibling. - it is important that both pieces of student data (name and SSN) match the Social Security card exactly, because the U.S. Department of Education conducts an electronic match of the student’s name and SSN with the Social Security Administration -To apply for a Social Security Number (SSN) or to get a replacement Social Security card, contact the Social Security Administration (SSA) at (800) 772-1213 or go to their website at www.ssa.gov

    13. Section 1 Citizenship Status If U.S. citizen, status will be confirmed by Social Security match If eligible noncitizen, status will be confirmed by Department of Homeland Security (DHS) match. This includes: U.S. permanent residents with I-551 Conditional permanent residents with I-551C Eligible noncitizens with I-94 If neither a citizen or eligible noncitizen, the student is ineligible for federal/state aid, but might still be eligible for institutional funds 13 Citizenship Status. Students must be U.S. citizens or eligible noncitizens to receive federal student financial aid and Cal Grants. If a student has recently become a U.S. citizen, he/she should contact the Social Security Administration (SSA) to update his/her status. Otherwise, when the U.S. Department of Education matches data with SSA, the Agency may report that the student is not a citizen and may be considered ineligible to receive federal and state aid. For financial aid purposes, an eligible noncitizen is someone who meets one of the following criteria: -A U.S. permanent resident who has an Alien Registration Receipt Card (I-551) -A conditional permanent resident with a I-551C, or -A noncitizen with an Arrival-Departure record (I-94) from the Department of Homeland Security showing any one of the following designations: “Refugee,” “Asylum Granted,” “Parolee,” or “Cuban-Haitian Entrant.” Students who are ineligible for federal or state aid because they are not citizens, permanent residents, or eligible noncitizens may still be considered for other institutional aid by some colleges or universities. Therefore, they may wish to complete the FAFSA to apply for that aid. Students who fall into this category are encouraged to contact the schools to which they are applying for admission for additional information. We will provide information about some free scholarship searches for undocumented students in a later slide. Citizenship Status. Students must be U.S. citizens or eligible noncitizens to receive federal student financial aid and Cal Grants. If a student has recently become a U.S. citizen, he/she should contact the Social Security Administration (SSA) to update his/her status. Otherwise, when the U.S. Department of Education matches data with SSA, the Agency may report that the student is not a citizen and may be considered ineligible to receive federal and state aid. For financial aid purposes, an eligible noncitizen is someone who meets one of the following criteria: -A U.S. permanent resident who has an Alien Registration Receipt Card (I-551) -A conditional permanent resident with a I-551C, or -A noncitizen with an Arrival-Departure record (I-94) from the Department of Homeland Security showing any one of the following designations: “Refugee,” “Asylum Granted,” “Parolee,” or “Cuban-Haitian Entrant.” Students who are ineligible for federal or state aid because they are not citizens, permanent residents, or eligible noncitizens may still be considered for other institutional aid by some colleges or universities. Therefore, they may wish to complete the FAFSA to apply for that aid. Students who fall into this category are encouraged to contact the schools to which they are applying for admission for additional information. We will provide information about some free scholarship searches for undocumented students in a later slide.

    14. Section 1 Alien Registration Number 14 Alien Registration Number. If students indicate “eligible noncitizen,” they should write in their 8- or 9-digit Alien Registration Number. Students should precede an 8-digit number with a zero. Students who list their Alien Registration Number may be asked by the colleges or universities to provide a copy of their Permanent Registration Card. Some recently naturalized citizens may also be asked to provide a copy of their Naturalization documents. It is legal to photocopy these documents for financial aid purposes. Alien Registration Number. If students indicate “eligible noncitizen,” they should write in their 8- or 9-digit Alien Registration Number. Students should precede an 8-digit number with a zero. Students who list their Alien Registration Number may be asked by the colleges or universities to provide a copy of their Permanent Registration Card. Some recently naturalized citizens may also be asked to provide a copy of their Naturalization documents. It is legal to photocopy these documents for financial aid purposes.

    15. Section 1 Undocumented Students if the student is applying to any California public college or university, check to see if he/she might be eligible for in-state tuition/fee costs check with colleges and universities to see if institutional financial aid is available apply for all private scholarships for which the student may be eligible watch for changes in federal and state laws regarding the eligibility of undocumented or under-documented students start inquiring in elementary, middle or high school to see if it is possible for younger students to become permanent residents 15 If the student is undocumented, he/she may qualify for in-state tuition/fee costs through state law (AB 540). Download “The College and Financial Aid Guide for AB 540 Undocumented Immigrant Students” at: www.usc.edu/dept/chepa If the student is applying to any California public college or university, check to see if he/she might be eligible for in-state tuition costs Students should also: apply for all private scholarships for which they may be eligible check with colleges and universities to see if institutional financial aid is available watch for changes in federal and state laws regarding the eligibility of undocumented students. If parents have younger children, they should start inquiring in elementary, middle or high school to see if it is possible for the students to become permanent residents. For more information, contact the Mexican American Legal Defense and Education Fund (MALDEF): call (213) 629-2512 For a list of scholarships for undocumented students, go to: http://www.maldef.org/leadership/scholarships/2010_Scholarship_List.pdf or www.latinocollegedollars.org or www.finaid.org/otheraid/undocumented.phtml If the student is undocumented, he/she may qualify for in-state tuition/fee costs through state law (AB 540). Download “The College and Financial Aid Guide for AB 540 Undocumented Immigrant Students” at: www.usc.edu/dept/chepa If the student is applying to any California public college or university, check to see if he/she might be eligible for in-state tuition costs Students should also: apply for all private scholarships for which they may be eligible check with colleges and universities to see if institutional financial aid is available watch for changes in federal and state laws regarding the eligibility of undocumented students. If parents have younger children, they should start inquiring in elementary, middle or high school to see if it is possible for the students to become permanent residents. For more information, contact the Mexican American Legal Defense and Education Fund (MALDEF): call (213) 629-2512 For a list of scholarships for undocumented students, go to: http://www.maldef.org/leadership/scholarships/2010_Scholarship_List.pdf or www.latinocollegedollars.org or www.finaid.org/otheraid/undocumented.phtml

    16. Section 1 Student Marital Status 16 Student Marital Status In this question, the student is asked about his/her marital status as of the date the FAFSA is submitted. If the student checks that he or she is currently married or remarried, he/she will be asked to provide other information about his/her spouse when he/she completes the FAFSA on the Web. However, if the student checks that he or she is single, separated, divorced, or widowed, no questions about a spouse will be asked on the FAFSA on the Web. Remember that this question is asking about the student, not the parents. Student Marital Status In this question, the student is asked about his/her marital status as of the date the FAFSA is submitted. If the student checks that he or she is currently married or remarried, he/she will be asked to provide other information about his/her spouse when he/she completes the FAFSA on the Web. However, if the student checks that he or she is single, separated, divorced, or widowed, no questions about a spouse will be asked on the FAFSA on the Web. Remember that this question is asking about the student, not the parents.

    17. Section 1 Selective Service Registration 17 Selective Service Registration Male students who are 18 years of age or older must be registered with Selective Service to receive federal and state aid. This information will be confirmed with Selective Service. Some colleges and universities will also require that the student be registered to receive institutional funds. A student should answer “Register me” only if he is: - male; - currently between the ages of 18-25 (on the day the FAFSA is submitted); and - NOT YET REGISTERED with Selective Service and would like the U.S. Department of Education to register the student with Selective Service. If the student is male, but is 17 years of age or younger at the time the FAFSA is submitted, he should leave the question blank. The student must register with Selective Service when he turns 18. He can do this at the Selective Service Web site, www.sss.gov. If the student is unsure if he has registered, he may go to this same site to verify his registration status. The following groups of students should leave this Worksheet question blank: - female students; - male students who are not yet 18 as of the date the FAFSA is submitted; and - male students who have already registered. Selective Service Registration Male students who are 18 years of age or older must be registered with Selective Service to receive federal and state aid. This information will be confirmed with Selective Service. Some colleges and universities will also require that the student be registered to receive institutional funds. A student should answer “Register me” only if he is: - male; - currently between the ages of 18-25 (on the day the FAFSA is submitted); and - NOT YET REGISTERED with Selective Service and would like the U.S. Department of Education to register the student with Selective Service. If the student is male, but is 17 years of age or younger at the time the FAFSA is submitted, he should leave the question blank. The student must register with Selective Service when he turns 18. He can do this at the Selective Service Web site, www.sss.gov. If the student is unsure if he has registered, he may go to this same site to verify his registration status. The following groups of students should leave this Worksheet question blank: - female students; - male students who are not yet 18 as of the date the FAFSA is submitted; and - male students who have already registered.

    18. Section 1 Student Aid Eligibility Drug Convictions If the student has never attended college since high school, check “I have never attended college” If the student has attended college since high school but never received federal student grants, loans, or work-study, check “I have never received federal student aid” If the student has received federal student aid and has never had a drug conviction, check “I have never had a drug conviction” 18 Student Aid Eligibility Drug Convictions This question asks the student whether he/she has ever received federal student financial aid for attendance in college. If the student has never attended college since high school, he/she should check, “I have never attended college.” If the student has attended college since high school but never received federal student grants, loans or work-study, he/ she should check, “I have never received federal student aid.” If the student has received federal student aid and has never had a drug conviction, check, “I have never had a drug conviction.” If the student does not check one of these statements which match his/her circumstances, he/she will be asked additional questions online. Student Aid Eligibility Drug Convictions This question asks the student whether he/she has ever received federal student financial aid for attendance in college. If the student has never attended college since high school, he/she should check, “I have never attended college.” If the student has attended college since high school but never received federal student grants, loans or work-study, he/ she should check, “I have never received federal student aid.” If the student has received federal student aid and has never had a drug conviction, check, “I have never had a drug conviction.” If the student does not check one of these statements which match his/her circumstances, he/she will be asked additional questions online.

    19. Section 1 Student Aid Eligibility Drug Convictions If the student was convicted of the possession or sale of illegal drugs while receiving federal student aid, the student will be asked to complete more questions about the drug offense Simply having a drug conviction does not mean that the student will be ineligible for federal and/or state student aid 19 If the student has been convicted of possessing or selling illegal drugs while enrolled in college and receiving federal student aid, he/she may still be eligible to receive federal, state, and college financial aid. In this case, the student should complete the Drug Question Worksheet and submit it as instructed. Remember, simply having a drug conviction does not mean that the student will not be eligible for federal and/or state student aid. If the student has been convicted of possessing or selling illegal drugs while enrolled in college and receiving federal student aid, he/she may still be eligible to receive federal, state, and college financial aid. In this case, the student should complete the Drug Question Worksheet and submit it as instructed. Remember, simply having a drug conviction does not mean that the student will not be eligible for federal and/or state student aid.

    20. Section 1 Parents’ Educational Level 20 Parents’ Educational Level These questions are used for state scholarship purposes and do not affect eligibility for federal student aid. In California, these answers are used to determine Cal Grant B eligibility by measuring a student’s disadvantaged background. Enter the highest grade level completed by the student’s father and mother. Father and mother in these questions mean birth or adoptive parents, not legal guardians, stepparents, or foster parents. Note that this definition of parents is unique to these two questions. In addition, some states and colleges use the answers to these questions to determine if the student is the first member of his or her family to attend college. This may make a difference in the type and amount of aid received because some schools offer additional aid to students who are the first in their family to go to college. NOTE TO PRESENTERS: Discuss the difference between “completed” versus “attended.” For example, if the mother completed an AA degree at a community college, she would mark “High school” because she has not completed a four-year college degree program. Also, if parents completed the equivalent of a bachelor’s degree or higher in a foreign country, they must mark “College or beyond.” Parents’ Educational Level These questions are used for state scholarship purposes and do not affect eligibility for federal student aid. In California, these answers are used to determine Cal Grant B eligibility by measuring a student’s disadvantaged background. Enter the highest grade level completed by the student’s father and mother. Father and mother in these questions mean birth or adoptive parents, not legal guardians, stepparents, or foster parents. Note that this definition of parents is unique to these two questions. In addition, some states and colleges use the answers to these questions to determine if the student is the first member of his or her family to attend college. This may make a difference in the type and amount of aid received because some schools offer additional aid to students who are the first in their family to go to college. NOTE TO PRESENTERS: Discuss the difference between “completed” versus “attended.” For example, if the mother completed an AA degree at a community college, she would mark “High school” because she has not completed a four-year college degree program. Also, if parents completed the equivalent of a bachelor’s degree or higher in a foreign country, they must mark “College or beyond.”

    21. The questions in Section 2 are used to determine whether the student is considered dependent (for FAFSA filing purposes). If the student is dependent, custodial parent financial information must be provided on the form. Students must answer each of the questions in this section and mark all that apply. Let’s review each of these questions. The questions in Section 2 are used to determine whether the student is considered dependent (for FAFSA filing purposes). If the student is dependent, custodial parent financial information must be provided on the form. Students must answer each of the questions in this section and mark all that apply. Let’s review each of these questions.

    22. 22 NOTE TO PRESENTERS: At this point, read each of the dependency statements in Section 2 individually. Homeless students are automatically considered to be independent. If you are working with any school homeless liaisons or homeless shelter staff, you should refer them to the National Association for the Education of Homeless Children and Youth web site www.naehcy.org/dl/uy_fafsa_verif.doc for a special form they may want to use to verify a student’s homeless status. Colleges and universities may also require such documentation. NOTE TO PRESENTERS: At this point, read each of the dependency statements in Section 2 individually. Homeless students are automatically considered to be independent. If you are working with any school homeless liaisons or homeless shelter staff, you should refer them to the National Association for the Education of Homeless Children and Youth web site www.naehcy.org/dl/uy_fafsa_verif.doc for a special form they may want to use to verify a student’s homeless status. Colleges and universities may also require such documentation.

    23. Section 2 Determination of Student Dependency Status 23 Determination of Student Dependency Status: If none of the statements in this question fit the student’s circumstances, he/she is considered a dependent student and his/her parents will be required to provide information in Section 3. If at least one of the statements matches the student’s circumstances, he/she will be considered independent and should skip Section 3 of the Worksheet. The student will be required to provide information about him or herself and spouse, if married. NOTE: If the student has circumstances that make him/her believe that he/she is independent, then he/she may request special consideration from each college or university by submitting a letter of special circumstance directly to each financial aid office. Appeals are considered on a case-by-case and are decided by each individual college. Not all appeals will be granted. For today’s purpose, we will assume that most students are required to provide parental information in Section 3 and so we will move on to that section now. Determination of Student Dependency Status: If none of the statements in this question fit the student’s circumstances, he/she is considered a dependent student and his/her parents will be required to provide information in Section 3. If at least one of the statements matches the student’s circumstances, he/she will be considered independent and should skip Section 3 of the Worksheet. The student will be required to provide information about him or herself and spouse, if married. NOTE: If the student has circumstances that make him/her believe that he/she is independent, then he/she may request special consideration from each college or university by submitting a letter of special circumstance directly to each financial aid office. Appeals are considered on a case-by-case and are decided by each individual college. Not all appeals will be granted. For today’s purpose, we will assume that most students are required to provide parental information in Section 3 and so we will move on to that section now.

    24. Section 3 (page 3) PARENT INFORMATION

    25. Section 3 Parent Information See Page 3 of FAFSA on the Web Worksheet about who is considered a parent Biological or adoptive parent(s) In case of divorce or separation, provide information about the parent and/or stepparent the student lived with more in the last 12 months Stepparent (regardless of any prenuptial agreements) 25 Who is Considered a Parent Before starting this section, listen carefully to help determine who is considered a parent in this section. Let’s look at the top of Page 3 of the FAFSA on the Web Worksheet. Students and their parents must answer all the questions in Section 3 as of the date they complete and submit the FAFSA. NOTE TO PRESENTERS: Go to Page 3 of the worksheet and read directly from the text, starting with “Who is considered a parent.” Then continue with the following information for the audience: If the biological or adoptive parents are both living and married to each other, answer the questions about both of them. If the parent is widowed or single (that is, never married), answer the questions about that parent. If the widowed or divorced parent is remarried as of the day the FAFSA is submitted, answer the questions about that parent and the person to whom the parent is married (the student’s stepparent). If the parents are divorced or separated, answer the questions about the parent the student lived with more during the past 12 months. If the student lived with both parents equally, submit financial data about the parent who provided the greater amount of support. If that parent is remarried, include stepparent information. The term "parent" is not restricted to biological parents. There are instances (such as when a grandparent legally adopts the applicant) in which a person other than a biological parent is treated as a parent, and in these instances, the parental questions on the application must be answered, since they apply to such an individual (or individuals). An adoptive parent is treated in the same manner as a biological parent on the FAFSA. A stepparent is also treated in the same manner as a biological parent if the stepparent is married, as of the date of application, to the biological parent whose information will be reported on the FAFSA, or if the stepparent has legally adopted the student. There are no exceptions. Prenuptial agreements do not exempt the stepparent from providing required data on the FAFSA. The stepparent's income information for the entire base year 2010, must be reported even if the parent and stepparent were not married until after the start of 2010, but were married prior to the date the FAFSA was submitted. . Who is Considered a Parent Before starting this section, listen carefully to help determine who is considered a parent in this section. Let’s look at the top of Page 3 of the FAFSA on the Web Worksheet. Students and their parents must answer all the questions in Section 3 as of the date they complete and submit the FAFSA. NOTE TO PRESENTERS: Go to Page 3 of the worksheet and read directly from the text, starting with “Who is considered a parent.” Then continue with the following information for the audience: If the biological or adoptive parents are both living and married to each other, answer the questions about both of them. If the parent is widowed or single (that is, never married), answer the questions about that parent. If the widowed or divorced parent is remarried as of the day the FAFSA is submitted, answer the questions about that parent and the person to whom the parent is married (the student’s stepparent). If the parents are divorced or separated, answer the questions about the parent the student lived with more during the past 12 months. If the student lived with both parents equally, submit financial data about the parent who provided the greater amount of support. If that parent is remarried, include stepparent information. The term "parent" is not restricted to biological parents. There are instances (such as when a grandparent legally adopts the applicant) in which a person other than a biological parent is treated as a parent, and in these instances, the parental questions on the application must be answered, since they apply to such an individual (or individuals). An adoptive parent is treated in the same manner as a biological parent on the FAFSA. A stepparent is also treated in the same manner as a biological parent if the stepparent is married, as of the date of application, to the biological parent whose information will be reported on the FAFSA, or if the stepparent has legally adopted the student. There are no exceptions. Prenuptial agreements do not exempt the stepparent from providing required data on the FAFSA. The stepparent's income information for the entire base year 2010, must be reported even if the parent and stepparent were not married until after the start of 2010, but were married prior to the date the FAFSA was submitted. .

    26. Section 3 Who is Not a Parent Do not provide information on: Foster parents or legal guardians If the student is in foster care or has a legal guardian, he/she is automatically considered an independent student Grandparents or other relatives are not considered parents unless they have adopted the student In this case, the student must attempt to get biological parental information Colleges may use Professional Judgment to allow the student to file as independent 26 Who is NOT a Parent A foster parent, legal guardian, grandparent or other relatives - such as aunts, uncles, or older siblings - are not considered as parents for purposes of filing a FAFSA unless that person has legally adopted the applicant. If students are in this situation, they should contact the financial aid office at the colleges or universities they are most likely to attend before completing the FAFSA. Again, students should not provide any financial information about foster parent(s) or legal guardians Because a foster child or a child who has a legal guardian is automatically considered an independent student grandparents or other relatives Students living with grandparents or other relatives must attempt to get biological parent information Colleges may consider using professional judgment to make the student independent in rare cases. Who is NOT a Parent A foster parent, legal guardian, grandparent or other relatives - such as aunts, uncles, or older siblings - are not considered as parents for purposes of filing a FAFSA unless that person has legally adopted the applicant. If students are in this situation, they should contact the financial aid office at the colleges or universities they are most likely to attend before completing the FAFSA. Again, students should not provide any financial information about foster parent(s) or legal guardians Because a foster child or a child who has a legal guardian is automatically considered an independent student grandparents or other relatives Students living with grandparents or other relatives must attempt to get biological parent information Colleges may consider using professional judgment to make the student independent in rare cases.

    27. Section 3 Parent Information 27 If the answer to any question in Section 3 is zero, or the question does not apply, the student should enter “0” as shown. Always report whole dollar figures (rounding up or down); ignore any cents. Remember, if the parents whose information is reported on the FAFSA have not yet completed their 2010 federal income tax forms, it is important that they use the best estimates of their total 2010 taxable and untaxed income. W-2’s, final 2010 paycheck stubs, or any other employment or income records may help parents to estimate. Remember, it is OK to use estimated 2010 income information when completing the FAFSA. Parents and students will have opportunities to update estimated income amounts when actual federal tax returns are filed or other documentation becomes available. If the answer to any question in Section 3 is zero, or the question does not apply, the student should enter “0” as shown. Always report whole dollar figures (rounding up or down); ignore any cents. Remember, if the parents whose information is reported on the FAFSA have not yet completed their 2010 federal income tax forms, it is important that they use the best estimates of their total 2010 taxable and untaxed income. W-2’s, final 2010 paycheck stubs, or any other employment or income records may help parents to estimate. Remember, it is OK to use estimated 2010 income information when completing the FAFSA. Parents and students will have opportunities to update estimated income amounts when actual federal tax returns are filed or other documentation becomes available.

    28. Section 3 Parent Information 28 If the student is providing father’s/stepfather’s and/or mother’s/stepmother’s information, the student will need those parents’: Social Security Numbers Names Dates of Birth Note to presenters: These questions about parent information have been combined. The Worksheet asks questions about father/stepfather and mother/stepmother separately. If the student is providing father’s/stepfather’s and/or mother’s/stepmother’s information, the student will need those parents’: Social Security Numbers Names Dates of Birth Note to presenters: These questions about parent information have been combined. The Worksheet asks questions about father/stepfather and mother/stepmother separately.

    29. Section 3 Parent Dislocated Worker The student will be asked to check if the father/stepfather and/or mother/stepmother is a dislocated worker A person may be considered a dislocated worker if he or she: is receiving unemployment benefits due to being laid off or losing a job and is unlikely to return to a previous occupation has been laid off or received a lay-off notice from a job was self-employed but is now unemployed due to economic conditions or natural disaster is a displaced homemaker 29 Dislocated Worker The student will be asked if the father/stepfather and/or mother/stepmother is a dislocated worker. A person may be considered a dislocated worker if he or she: is receiving unemployment benefits due to being laid off or losing a job and is unlikely to return to a previous occupation, or has been laid off or received a lay-off notice from a job, or was self-employed but is now unemployed due to economic conditions or natural disaster, or is a displaced homemaker. A displaced homemaker is generally a person who previously provided unpaid services to the family, for example: a stay-at-home mom or dad who is no longer supported by the husband or wife; and is unemployed; and is having trouble finding or upgrading employment. These definitions will be available on FOTW, so don’t worry about remembering all this informationDislocated Worker The student will be asked if the father/stepfather and/or mother/stepmother is a dislocated worker. A person may be considered a dislocated worker if he or she: is receiving unemployment benefits due to being laid off or losing a job and is unlikely to return to a previous occupation, or has been laid off or received a lay-off notice from a job, or was self-employed but is now unemployed due to economic conditions or natural disaster, or is a displaced homemaker. A displaced homemaker is generally a person who previously provided unpaid services to the family, for example: a stay-at-home mom or dad who is no longer supported by the husband or wife; and is unemployed; and is having trouble finding or upgrading employment. These definitions will be available on FOTW, so don’t worry about remembering all this information

    30. Section 3 Parents’ Tax Return Filing Status for 2010 30 Parent Tax Filing Status: In this questions, the student will be asked to provide information about parent tax filing status for 2010: If the parents have completed a 2010 federal income tax return, the parents should mark the first box If they have not as yet filed, but plan to file a 2010 federal income tax return, they should mark the second box If they have not nor will not file a 2010 federal income tax return and are not required to do so, they should mark the third box Parent Tax Filing Status: In this questions, the student will be asked to provide information about parent tax filing status for 2010: If the parents have completed a 2010 federal income tax return, the parents should mark the first box If they have not as yet filed, but plan to file a 2010 federal income tax return, they should mark the second box If they have not nor will not file a 2010 federal income tax return and are not required to do so, they should mark the third box

    31. Section 3 Parent 2010 Adjusted Gross Income Reminder: If the answer is zero or the question does not apply, enter 0 31 Parent Adjusted Gross Income The next question asks about parents’ 2010 adjusted gross income (or AGI). Remember, if custodial parents have not yet filed their 2010 federal tax return, it is fine to use estimated 2010 income information on the FAFSA. There will be sufficient time to update this information when the actual 2010 federal tax return is completed. This question asks specifically about parents’ 2010 AGI; that is, the total of all taxable income they will list on their 2010 federal income tax form. This figure includes their wages as well as other income such as interest and dividend income, business and rental property income, as well as the taxable portion of pensions, Social Security benefits, and unemployment . Parent Adjusted Gross Income The next question asks about parents’ 2010 adjusted gross income (or AGI). Remember, if custodial parents have not yet filed their 2010 federal tax return, it is fine to use estimated 2010 income information on the FAFSA. There will be sufficient time to update this information when the actual 2010 federal tax return is completed. This question asks specifically about parents’ 2010 AGI; that is, the total of all taxable income they will list on their 2010 federal income tax form. This figure includes their wages as well as other income such as interest and dividend income, business and rental property income, as well as the taxable portion of pensions, Social Security benefits, and unemployment .

    32. Section 3 Money Earned from Work by Parent(s) in 2010 Use W-2 forms and other records to determine all income in 2010 earned from work (including business income earned from self-employment) for father/stepfather and/or mother/stepmother 32 These next questions ask about custodial parent earnings from sources such as wages, salaries and tips. These questions must be answered whether or not the parents file a tax return. This information may be on their W-2 forms, or on IRS Form 1040—lines 7 + 12 + 18 plus Box 14 of IRS Schedule K-1 (Form 1065); 1040A—line 7; or 1040EZ—line 1. Parents who own a business or farm should report any income from these sources here as well so that Social Security taxes paid can be properly calculated. It is important to list earnings correctly because when the U.S. Department of Education calculates the parents' Expected Family Contribution (EFC), certain allowances are subtracted from the parents' income for required taxes and necessary expenses (such as income and Social Security taxes and basic living costs). The parents' income earned from work will also be used in the EFC calculation as an income factor when no tax form is filed. Note to presenters: FOTW asks separate questions about mother’s and/or father’s incomes from earnings. These questions are combined on the slide. These next questions ask about custodial parent earnings from sources such as wages, salaries and tips. These questions must be answered whether or not the parents file a tax return. This information may be on their W-2 forms, or on IRS Form 1040—lines 7 + 12 + 18 plus Box 14 of IRS Schedule K-1 (Form 1065); 1040A—line 7; or 1040EZ—line 1. Parents who own a business or farm should report any income from these sources here as well so that Social Security taxes paid can be properly calculated. It is important to list earnings correctly because when the U.S. Department of Education calculates the parents' Expected Family Contribution (EFC), certain allowances are subtracted from the parents' income for required taxes and necessary expenses (such as income and Social Security taxes and basic living costs). The parents' income earned from work will also be used in the EFC calculation as an income factor when no tax form is filed. Note to presenters: FOTW asks separate questions about mother’s and/or father’s incomes from earnings. These questions are combined on the slide.

    33. Section 3 Parents’ Household 2009 or 2010 Benefits Received Indicate if the student, his/her parents, or anyone in the parents’ household received benefits in 2009 or 2010 from any of the federal programs listed Supplemental Security Income (SSI) Food Stamps Free or Reduced Price School Lunch Temporary Assistance for Needy Families (TANF) Special Supplemental Nutrition Program for Women, Infants and Children (WIC) 33 Parents’ Household 2009 or 2010 Benefits Received Receiving benefits from one of the federal programs listed on the FAFSA affects the way the U.S. Department of Education calculates the parent expected family contribution, or EFC. If the student, the student’s parents, or a member of the parents’ household received benefits from one of the following federal programs in 2009 or 2010, mark all that apply: Supplemental Security Income (SSI) Food Stamps Free or Reduced Price Lunch Temporary Assistance to Needy Families (TANF) Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) Parents’ Household 2009 or 2010 Benefits Received Receiving benefits from one of the federal programs listed on the FAFSA affects the way the U.S. Department of Education calculates the parent expected family contribution, or EFC. If the student, the student’s parents, or a member of the parents’ household received benefits from one of the following federal programs in 2009 or 2010, mark all that apply: Supplemental Security Income (SSI) Food Stamps Free or Reduced Price Lunch Temporary Assistance to Needy Families (TANF) Special Supplemental Nutrition Program for Women, Infants, and Children (WIC)

    34. Section 3 2010 Additional Financial Information 34 2010 Additional Financial Information This Additional Financial Information question asks about information not considered as part of parental income when calculating student need. For example, if either of the custodial parents is paying child support for a child in another household, this amount will be subtracted from the total custodial parent income. The student should check all that apply on the Worksheet. Once online at FAFSA on the Web, the student may be asked to report his or her parents’ annual 2010 amounts for all boxes checked.2010 Additional Financial Information This Additional Financial Information question asks about information not considered as part of parental income when calculating student need. For example, if either of the custodial parents is paying child support for a child in another household, this amount will be subtracted from the total custodial parent income. The student should check all that apply on the Worksheet. Once online at FAFSA on the Web, the student may be asked to report his or her parents’ annual 2010 amounts for all boxes checked.

    35. Section 3 2010 Parent Untaxed Income 35 2010 Parent Untaxed Income This 2010 Untaxed Income Information section asks questions about untaxed income the custodial parents earned or received. Parents should be sure to include pre-tax contributions they (not employers) have made to 2010 tax deferred pensions, retirement savings plans, IRAs and Keoghs. Additionally, parents should include other untaxed income such as child support received in 2010 for all children (including the student), tax exempt interest income, housing/food and other living allowances as well as any income not reported elsewhere on the form. This includes the $2,400 in unemployment benefits that is excluded from taxation for any parent reporting these benefits on the 2010 federal income tax return. Some colleges and universities may ask for information about other untaxed income, such as untaxed foreign income. They may also request documentation of any information reported here. The student should check all that apply on the Worksheet. Once online at FAFSA on the Web, the student may be asked to report his or her parents’ annual 2010 amounts for all boxes checked.2010 Parent Untaxed Income This 2010 Untaxed Income Information section asks questions about untaxed income the custodial parents earned or received. Parents should be sure to include pre-tax contributions they (not employers) have made to 2010 tax deferred pensions, retirement savings plans, IRAs and Keoghs. Additionally, parents should include other untaxed income such as child support received in 2010 for all children (including the student), tax exempt interest income, housing/food and other living allowances as well as any income not reported elsewhere on the form. This includes the $2,400 in unemployment benefits that is excluded from taxation for any parent reporting these benefits on the 2010 federal income tax return. Some colleges and universities may ask for information about other untaxed income, such as untaxed foreign income. They may also request documentation of any information reported here. The student should check all that apply on the Worksheet. Once online at FAFSA on the Web, the student may be asked to report his or her parents’ annual 2010 amounts for all boxes checked.

    36. Section 3 Parent Asset Information NOTE: Some financial aid offices may request supporting documentation for the answers to these questions 36 Parent Assets The purpose of collecting asset information is to determine whether the family's assets are substantial enough to support a contribution toward the student’s educational expenses. Only the net asset value is counted in the need analysis. To determine the net value of any asset, first determine the market value of the asset and then subtract the amount of debt owed on the asset. The result is the net value of the asset. Section 3 (Parental Information) asks information about custodial parents’ assets as of the day the FAFSA is actually completed in 2011. These questions are different than those that ask about 2010 parent income. We’ll talk more about assets in a moment. If the answer to any of these asset questions is $1 million or more, enter $999,999 as shown in the example. If the answer to any question is zero, enter “0.” Applicants should not leave any question blank. Be as accurate as possible in reporting assets. Some financial aid offices may request documentation of reported amounts. Parent Assets The purpose of collecting asset information is to determine whether the family's assets are substantial enough to support a contribution toward the student’s educational expenses. Only the net asset value is counted in the need analysis. To determine the net value of any asset, first determine the market value of the asset and then subtract the amount of debt owed on the asset. The result is the net value of the asset. Section 3 (Parental Information) asks information about custodial parents’ assets as of the day the FAFSA is actually completed in 2011. These questions are different than those that ask about 2010 parent income. We’ll talk more about assets in a moment. If the answer to any of these asset questions is $1 million or more, enter $999,999 as shown in the example. If the answer to any question is zero, enter “0.” Applicants should not leave any question blank. Be as accurate as possible in reporting assets. Some financial aid offices may request documentation of reported amounts.

    37. This section asks about student 2010 taxed and untaxed income as well as the current value of the student’s assets. This section asks about student 2010 taxed and untaxed income as well as the current value of the student’s assets.

    38. Section 4 Student Information 38 The questions in Section 4 concerning student finances are identical to those in Section 3 for parents. We will not review the student income information in this section in any detail. If the student is single, separated, divorced, or widowed as of the date the form is completed, references to “spouse” should be ignored. If the student is married at the time the FAFSA is submitted, the spouse’s 2010 income and current value of combined student and spousal assets must be included, even if the student was not married in 2010. How many students here today are considered independent for purposes of completing the FAFSA? NOTE TO PRESENTERS: Based on the number of participants in the audience who respond affirmatively to being independent, either have the students see you after the formal presentation or review Slides 63-697at this point using the FOTW Worksheet. The questions in Section 4 concerning student finances are identical to those in Section 3 for parents. We will not review the student income information in this section in any detail. If the student is single, separated, divorced, or widowed as of the date the form is completed, references to “spouse” should be ignored. If the student is married at the time the FAFSA is submitted, the spouse’s 2010 income and current value of combined student and spousal assets must be included, even if the student was not married in 2010. How many students here today are considered independent for purposes of completing the FAFSA? NOTE TO PRESENTERS: Based on the number of participants in the audience who respond affirmatively to being independent, either have the students see you after the formal presentation or review Slides 63-697at this point using the FOTW Worksheet.

    39. 39 We have just reviewed the FAFSA on the Web Worksheet. This worksheet should NOT be mailed to the federal processor. Students should use this worksheet when they complete the online FAFSA at www.fafsa.gov. It is important that both students and their parents read the FAFSA on the Web Certification Statement before submitting the FAFSA. They should be sure they understand to what they are agreeing. Students should make sure to fill in the date they and their parents complete the FAFSA. All students (and at least one of their custodial parent, if dependent) must sign the FAFSA. When submitting the FAFSA electronically on the Web, students and at least one of their custodial parents must provide their own individual PINs. Remember, students and their custodial parents can get their PINs at www.pin.ed.gov or when they complete the FOTW. Students and parents should not share their PINs with anyone else. Students should feel free to contact the financial aid offices at the schools where they are applying for help with the application process. There are a number of individuals who will offer to assist the student and family in completing the FAFSA. Be very cautious about paying anyone a fee to help you complete the FAFSA. Remember, you can do it! And we are here today to provide the free assistance you need to complete the FAFSA.We have just reviewed the FAFSA on the Web Worksheet. This worksheet should NOT be mailed to the federal processor. Students should use this worksheet when they complete the online FAFSA at www.fafsa.gov. It is important that both students and their parents read the FAFSA on the Web Certification Statement before submitting the FAFSA. They should be sure they understand to what they are agreeing. Students should make sure to fill in the date they and their parents complete the FAFSA. All students (and at least one of their custodial parent, if dependent) must sign the FAFSA. When submitting the FAFSA electronically on the Web, students and at least one of their custodial parents must provide their own individual PINs. Remember, students and their custodial parents can get their PINs at www.pin.ed.gov or when they complete the FOTW. Students and parents should not share their PINs with anyone else. Students should feel free to contact the financial aid offices at the schools where they are applying for help with the application process. There are a number of individuals who will offer to assist the student and family in completing the FAFSA. Be very cautious about paying anyone a fee to help you complete the FAFSA. Remember, you can do it! And we are here today to provide the free assistance you need to complete the FAFSA.

    40. Special Circumstances Contact the Financial Aid Office if there are circumstances which affect a family’s ability to pay for college such as: Loss or reduction in parent or student income or assets Death or serious illness Natural disasters affecting parent income or assets such as the recent California wild fires, floods, or mudslides Unusual medical or dental expenses not covered by insurance Reduction in child support, Social Security benefits or other untaxed benefit Financial responsibility for elderly grandparents, or Any other unusual circumstances that affect a family’s ability to contribute to higher education 40 Special Circumstances: As mentioned earlier, many families have special circumstances not reflected by the questions on the FAFSA. Families are encouraged to contact the Financial Aid Office at each of the schools to which they are applying for admission and financial aid if there are significant changes in their circumstances such as: A loss or reduction in parent or student income or assets A death or serious illness Natural disasters that affect parent income or assets – this is especially true for any family adversely affected by the recent California wildfires, floods, or mudslides Unusual medical or dental expenses not covered by insurance Reduction in child support or Social Security benefits Financial responsibility for elderly grandparents, or Any other unusual circumstances that affect a family’s ability to contribute to higher education. If the family feels there are special circumstances that may impact their ability to contribute to college, it is important that they present their case in a way that helps the financial aid office understand their unique challenges. Some schools will provide special forms to help the family provide the appropriate new information. Families are encouraged to: Contact the financial aid office for guidance Write a detailed explanation of circumstances Include student’s name, college or university ID#, and date of birth Give specific financial details including the reasons why the circumstances affect the family’s ability to contribute Attach supporting documentation Send to the financial aid office at each school to which the student is applying Each financial aid office will make its own decision about the effect the special circumstances have on a student’s need. Not all aid offices will be able to provide additional funds if there are special circumstances, but they might be able to suggest other options. Special Circumstances: As mentioned earlier, many families have special circumstances not reflected by the questions on the FAFSA. Families are encouraged to contact the Financial Aid Office at each of the schools to which they are applying for admission and financial aid if there are significant changes in their circumstances such as: A loss or reduction in parent or student income or assets A death or serious illness Natural disasters that affect parent income or assets – this is especially true for any family adversely affected by the recent California wildfires, floods, or mudslides Unusual medical or dental expenses not covered by insurance Reduction in child support or Social Security benefits Financial responsibility for elderly grandparents, or Any other unusual circumstances that affect a family’s ability to contribute to higher education. If the family feels there are special circumstances that may impact their ability to contribute to college, it is important that they present their case in a way that helps the financial aid office understand their unique challenges. Some schools will provide special forms to help the family provide the appropriate new information. Families are encouraged to: Contact the financial aid office for guidance Write a detailed explanation of circumstances Include student’s name, college or university ID#, and date of birth Give specific financial details including the reasons why the circumstances affect the family’s ability to contribute Attach supporting documentation Send to the financial aid office at each school to which the student is applying Each financial aid office will make its own decision about the effect the special circumstances have on a student’s need. Not all aid offices will be able to provide additional funds if there are special circumstances, but they might be able to suggest other options.

    41. What Happens Next? Students and the colleges the student listed receive Student Aid Report (SAR) from federal processor ê Students who complete FAFSA and Cal Grant GPA Verification Form receive California Aid Report (CAR) ê Students and families review SAR and CAR for important information and accuracy of data ê Colleges match admission records with FAFSA and other required financial aid forms to determine aid eligibility ê Colleges mail notices of financial aid eligibility to admitted students who have completed all required financial aid forms 41 What Happens Next: Within two weeks after filing the FAFSA, the student should receive a Student Aid Report (SAR) from the federal processor. The SAR summarizes the information the family provided on the FAFSA. Each school listed on the SAR will also receive the information electronically. If the student does not receive the SAR within three weeks, he/she should contact the federal processor to check on the status of the FAFSA. Call 1-800-4-FED AID (that’s 1-800-433-3243) or check on the status of your FAFSA by going to FAFSA on the Web and using your PIN. When the California Student Aid Commission evaluates the student’s FAFSA and Cal Grant GPA Verification Form, the student will receive a California Aid Report (CAR) that will provide the student with information about his/her Cal Grant eligibility. Once each school receives the electronic SAR and all other required financial aid forms, and confirms the student’s admission status, the financial aid office will determine the student’s financial aid eligibility. Some schools may request that the student submit income documentation such as student and parent 2010 federal income tax returns, including W-2s and all schedules and attachments, before sending the student a final determination of eligibility. The school will use this and any other requested information to verify the accuracy of the data provided on the FAFSA. Schools understand that many families have used estimated data. A financial aid notification (commonly referred to as an award letter) describing the amounts and sources of aid the student has been awarded will be prepared for the student when the student’s financial aid application is complete. Most schools will wait until the student has been accepted for admission to notify him or her about financial aid eligibility. Some schools will mail a paper financial aid award to the student; others may provide the award electronically. In some cases, the student will be required to sign and return a copy of the financial aid award notification, indicating whether he/she accepts or declines each source of aid. If family circumstances change after the student completes the FAFSA and other required financial aid documents, make sure to contact the financial aid office at each school as soon as possible.What Happens Next: Within two weeks after filing the FAFSA, the student should receive a Student Aid Report (SAR) from the federal processor. The SAR summarizes the information the family provided on the FAFSA. Each school listed on the SAR will also receive the information electronically. If the student does not receive the SAR within three weeks, he/she should contact the federal processor to check on the status of the FAFSA. Call 1-800-4-FED AID (that’s 1-800-433-3243) or check on the status of your FAFSA by going to FAFSA on the Web and using your PIN. When the California Student Aid Commission evaluates the student’s FAFSA and Cal Grant GPA Verification Form, the student will receive a California Aid Report (CAR) that will provide the student with information about his/her Cal Grant eligibility. Once each school receives the electronic SAR and all other required financial aid forms, and confirms the student’s admission status, the financial aid office will determine the student’s financial aid eligibility. Some schools may request that the student submit income documentation such as student and parent 2010 federal income tax returns, including W-2s and all schedules and attachments, before sending the student a final determination of eligibility. The school will use this and any other requested information to verify the accuracy of the data provided on the FAFSA. Schools understand that many families have used estimated data. A financial aid notification (commonly referred to as an award letter) describing the amounts and sources of aid the student has been awarded will be prepared for the student when the student’s financial aid application is complete. Most schools will wait until the student has been accepted for admission to notify him or her about financial aid eligibility. Some schools will mail a paper financial aid award to the student; others may provide the award electronically. In some cases, the student will be required to sign and return a copy of the financial aid award notification, indicating whether he/she accepts or declines each source of aid. If family circumstances change after the student completes the FAFSA and other required financial aid documents, make sure to contact the financial aid office at each school as soon as possible.

    42. Student Aid Report (SAR) After the student completes the FAFSA on the Web, a SAR will be sent to the student An electronic SAR Acknowledgment will be sent if student provides an email address A paper SAR will be mailed if no student e-mail address is provided An electronic copy of the data will be sent to each college or university listed by the student in Section 1 Keep a copy of the SAR with other financial aid documents 42 Now, let’s look at the Student Aid Report. A SAR Acknowledgment will be sent electronically if the student provides an e-mail address on the FAFSA on the Web. If the student does not provide an e-mail address, a paper SAR will be mailed to the student at the address entered on the FAFSA. The student can make corrections on the electronic or paper SAR as well as add additional colleges that will then be sent the student’s information. Each college or university the student lists in Section 1 on the FAFSA will receive an Institutional Student Information Report or “ISIR.” This is an electronic record of all the information the family reported on the FAFSA. Students should make sure to keep a copy of the SAR with the rest of their financial aid documents. Private scholarship agencies may require a copy of the SAR as part of their application materials. Now, let’s look at the Student Aid Report. A SAR Acknowledgment will be sent electronically if the student provides an e-mail address on the FAFSA on the Web. If the student does not provide an e-mail address, a paper SAR will be mailed to the student at the address entered on the FAFSA. The student can make corrections on the electronic or paper SAR as well as add additional colleges that will then be sent the student’s information. Each college or university the student lists in Section 1 on the FAFSA will receive an Institutional Student Information Report or “ISIR.” This is an electronic record of all the information the family reported on the FAFSA. Students should make sure to keep a copy of the SAR with the rest of their financial aid documents. Private scholarship agencies may require a copy of the SAR as part of their application materials.

    43. Check Your Cal Grant 43 Students are encouraged to open a WebGrants account to manage their Cal Grant. After doing so, they can - Check their Cal Grant application and award status 24/7 - Make changes to their Cal Grant school choices - View how much a Cal Grant is worth at different California colleges and universities as well as - See their Cal Grant payment history In addition, they can click on links to other financial aid information and web sites. Students can sign up at: webgrants4students.org Students are encouraged to open a WebGrants account to manage their Cal Grant. After doing so, they can - Check their Cal Grant application and award status 24/7 - Make changes to their Cal Grant school choices - View how much a Cal Grant is worth at different California colleges and universities as well as - See their Cal Grant payment history In addition, they can click on links to other financial aid information and web sites. Students can sign up at: webgrants4students.org

    44. If You Need Help At Any Time FAFSA on the Web – Live Help Phone 1-800-4-FED-AID (1-800-433-3243) Department of Education Email: FederalStudentAidCustomerService@ed.gov The U.S. Department of Education is always willing to provide assistance to students and families completing the FAFSA and to answer questions relating to federal financial aid. The FOTW has help buttons right on the electronic form as you go through the application. In addition, you can use the following: FAFSA on the Web – Live Help; Phone 1-800-4-FED-AID (that’s 1-800-433-3243) or E-mail the U.S. Department of Education at: FederalStudentAidCustomerService@ed.gov The U.S. Department of Education is always willing to provide assistance to students and families completing the FAFSA and to answer questions relating to federal financial aid. The FOTW has help buttons right on the electronic form as you go through the application. In addition, you can use the following: FAFSA on the Web – Live Help; Phone 1-800-4-FED-AID (that’s 1-800-433-3243) or E-mail the U.S. Department of Education at: FederalStudentAidCustomerService@ed.gov

    45. 45 We hope you have found this workshop helpful. We will now be glad to answer any general questions you and your family might have. After a brief question and answer period, volunteers will be available to help you complete student’s FAFSA on the Web Worksheet, the Cal Grant GPA Verification Forms, and answer any questions about other financial aid documents. NOTE TO PRESENTERS: Again, if you are fortunate enough to have a computer lab available to the participants, change the reference to the FOTW rather than to the Worksheet. We hope you have found this workshop helpful. We will now be glad to answer any general questions you and your family might have. After a brief question and answer period, volunteers will be available to help you complete student’s FAFSA on the Web Worksheet, the Cal Grant GPA Verification Forms, and answer any questions about other financial aid documents. NOTE TO PRESENTERS: Again, if you are fortunate enough to have a computer lab available to the participants, change the reference to the FOTW rather than to the Worksheet.

    46. 46 We hope you have found this workshop helpful. We will now be glad to answer any general questions you and your family might have. After a brief question and answer period, volunteers will be available to help you complete student’s FAFSA on the Web Worksheet, the Cal Grant GPA Verification Forms, and answer any questions about other financial aid documents. NOTE TO PRESENTERS: Again, if you are fortunate enough to have a computer lab available to the participants, change the reference to the FOTW rather than to the Worksheet. We hope you have found this workshop helpful. We will now be glad to answer any general questions you and your family might have. After a brief question and answer period, volunteers will be available to help you complete student’s FAFSA on the Web Worksheet, the Cal Grant GPA Verification Forms, and answer any questions about other financial aid documents. NOTE TO PRESENTERS: Again, if you are fortunate enough to have a computer lab available to the participants, change the reference to the FOTW rather than to the Worksheet.

    47. 47 We hope you have found this workshop helpful. We will now be glad to answer any general questions you and your family might have. After a brief question and answer period, volunteers will be available to help you complete student’s FAFSA on the Web Worksheet, the Cal Grant GPA Verification Forms, and answer any questions about other financial aid documents. NOTE TO PRESENTERS: Again, if you are fortunate enough to have a computer lab available to the participants, change the reference to the FOTW rather than to the Worksheet. We hope you have found this workshop helpful. We will now be glad to answer any general questions you and your family might have. After a brief question and answer period, volunteers will be available to help you complete student’s FAFSA on the Web Worksheet, the Cal Grant GPA Verification Forms, and answer any questions about other financial aid documents. NOTE TO PRESENTERS: Again, if you are fortunate enough to have a computer lab available to the participants, change the reference to the FOTW rather than to the Worksheet.

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