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FCAA

FCAA

The Financial Counseling Association of America

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How to Pay for College

College financial aid opportunities are often hard to navigate. The FCAA and our non-profit member agencies can help. Start with these resources and tips on how to pay for college.

Financial Aid Application Process

Applying for financial aid does not need to be a challenge. See our tips for what to expect.


Financial Aid Timeline

It is important to be prepared for steps you will take in the financial aid process. Check out this timeline for a monthly guide of what to expect as you start your college journey.


Financial Aid Awards

Once you receive a financial aid award letter, you will now need to decide what aid to accept. See our tips about examining your financial aid award before making a decision.


Rights & Responsibilities

Before you agree to take out student loans, you should understand your rights and responsibility as a student loan borrower.


Student Loan Types

Borrowers should explore the different types of loans before entering into a loan agreement.


Direct Subsidized Loans

Direct Subsidized Loans offer an interest benefit where the government will pay any interest that accrues during periods of deferment. Learn more…


Direct Unsubsidized Loans

Unlike with subsidized loans, borrowers do not need to show financial need to qualify for unsubsidized loans. Learn more…


Perkins Loans

Perkins loans are federal student loans issued directly by colleges and universities, for students who show serious financial need. Learn more…


PLUS Loans for Parents

Parent PLUS Loans can be used to pay for educational expenses not satisfied by other federal aid. Learn more…


PLUS Loans for Graduate or Professional

PLUS Loans for Graduate Students can be used to pay for educational expenses not satisfied by other federal aid. Learn more…


Private or Alternative Loans

Private student loans can help fill the gap between the cost of tuition and the amount a borrower receives in federal aid. Learn more…


Institutional Loans

Institutional loans are non-federal aid provided by the borrower’s school. Learn more…


State Loans

State loans are issued by state-funded programs and can assist students who may not qualify for federal financial aid. Learn more…

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Paying for College

  • Financial Aid Application Process
  • Financial Aid Timeline
  • Financial Aid Awards
  • Rights & Responsibilities
  • Student Loan Types
  • Direct Subsidized Loans
  • Direct Unsubsidized Loans
  • Perkins Loans
  • PLUS Loans for Parents
  • PLUS Loans for Graduate or Professional Students
  • Private or Alternative Loans
  • Institutional Loans
  • State Loans

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