LINK TO LOG IN AS STUDENT TG MODULES (SYNOPSIS FROM WEBSITE)

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1 LINK TO LOG IN AS STUDENT 19&_afrWindowMode=0&_adf.ctrl-state=dbwtxxgos_4 TG MODULES (SYNOPSIS FROM WEBSITE) FINANCIAL LITERACY BANKING 101: FINANCIAL SERVICES FOR LIFE S NEEDS This module provides an overview of financial institutions like banks and credit unions. This module can help you understand the benefits of these financial institutions as well as the services they offer to help you protect, save, and manage your money. COLLEGE COSTS: MORE THAN TUITION This module provides an overview of the expenses and income that could be incorporated in a college student's spending plan. The module also focuses on the expenses in a college's cost of attendance, other expenses, and different sources of support, including financial aid. CREDIT BASICS: HOW MONEY WORKS This module shows how borrowers can use future income to make large purchases, such as an education or a house. The module also explores how lenders make money, the cost of borrowing, and tips for maintaining creditworthiness. EMPLOYEE BENEFITS: MORE THAN A PAYCHECK This module provides an overview of how benefits can increase the value of an employee's total compensation. The module shows a range of benefit options including different types of retirement plans, leave, health and disability insurance, and cafeteria plans.

2 EMPLOYEE COMPENSATION: BEYOND SALARY This module covers the big picture of what workers earn. Topics include what it means to be an "exempt" employee, tax withholding, and how location affects the cost of living. INVESTING IN UNDERGRADUATE EDUCATION: COSTS AND RESOURCES This module provides key information to help parents and students understand the costs of attending college and learn about meeting those costs. MANAGING CREDIT: PRIORITIES AND PITFALLS This module covers the ways credit affects many parts of your life, what you need to know about your credit report and credit score, and some standard guidelines for keeping your credit in good shape, including how to avoid identity theft. MONITORING SPENDING: KEEPING IT REAL This module provides an overview of how spending plans can be adjusted to stay in step with financial circumstances as they really exist. The module includes information on avoiding fees, as well as tools and systems to keep accurate track of where money goes each month. NEEDSAND WANTS: PRIORITIZING WHAT COUNTS This module helps students think about the differences between things that are fundamental necessities as opposed to desires or preferences, and how these things can vary across time and circumstance. SAVING AND INVESTING: RISKS AND RETURNS This module provides an overview of how money can grow over time. The module discusses yield, risk, diversification, and other fundamental concepts as they apply to understanding and selecting savings and investment vehicles.

3 SETTING GOALS: GETTING THERE This module discusses several facets of financial goal-setting, including how specific the goals are and the timeframe set for the goals. The module also covers how trade-offs and priorities apply to financial goals, and how regular savings can protect long-term goals from being derailed by unexpected expenses. SOLVING DEBT PROBLEMS: STRATEGIES AND SOLUTIONS This module shows some of the steps borrowers may choose to take to get out of financial trouble. The module specifically discusses using a cash flow statement and a balance sheet, symptoms and causes of debt problems, and how to be a smart consumer of professional credit and financial counseling services. SPENDING PLANS: METING GOALS THE SIMPLE WAY This module explores strategic thinking as it relates to income and expenses. The module includes information on reducing spending, and planning ahead not only for monthly bills, but also for sometimes forgotten things like regular savings and expenses that aren't part of each month's budget, such as a quarterly car insurance payment. COMPLETE ACCESS AND STUDENT SUCCESS COMPLETING THE TEXAS APPLICATION FOR STATE FINANCIAL AID (TASFA) This module informs students and families of the eligibility criteria and application process for the Texas Application for State Financial Aid, or TASFA. The TASFA is the application used by most Texas colleges and universities to determine undocumented students' eligibility for state financial aid. FOUR STEPS TO STARTING AT A COMMUNITY COLLEGE This module is for students who are interested in starting at a community college but aren't sure where to start, this module can help provide guidance with four key steps, including knowing your goal, applying for

4 admission, applying for financial aid, and registering for class. This module also showcases some common myths and realities of community college. PAYING FOR COLLEGE: THE BASICS This module helps students and families learn more about how to pursue a higher education. It provides key information for students and parents so that they may understand the role of financial aid in helping to pay for an education. THE FAFSA: YOUR TICKET TO FINANCIAL AID This module explores the Free Application for Federal Student Aid, or FAFSA. This module explains how the FAFSA is used in the financial aid process and provides an overview of each section of the form, preparing students and families to complete the FAFSA successfully. STUDENT LOAN COUNSELING A GOOD START: ENTRANCE COUNSELING FOR STUDENT BORROWERS This entrance counseling session is designed for first-time student borrowers. Borrowing is a serious matter, and this session discusses topics students should understand as they take this step. Among other fundamentals, the session covers the master promissory note, types of federal loans, interest capitalization, basic information about loan repayment, and other key elements students should understand when making the decision to finance a higher education. BEFORE YOU LEAVE: EXIT COUNSELING FOR STUDENT BORROWERS This training module emphasizes the importance of tracking student loans, both federal and private, to achieve successful loan repayment. Additionally, students learn about the implications that mismanagement of their loans can have on their credit history. KNOW WHAT YOU OWE: TRACKING YOUR STUDENT LOANS This training module emphasizes the importance of tracking student loans, both federal and private, to achieve successful loan repayment.

5 Additionally, students learn about the implications that mismanagement of their loans can have on their credit history. PLAN FOR SUCCESS: PREPARING TO FULFILL YOUR STUDENT LOAN COMMITMENT This training module provides an in-depth review of available repayment plans for federal loans. Additionally, students learn about the impact that certain academic decisions can have on repayment of their loan. PRIVATE EDUCATIONAL LOANS: PREPARING FOR FINANCIAL SUCESS This module gives borrowers the opportunity to learn about their specific private loan terms through practical exercises. The exercises are designed to encourage the borrower to assess their spending habits and use their private loan funds wisely. BRIEF OVERVIEW OF THE NEED FOR MODULES To provide students financial guidance every step along the path toward higher education. Helping students learn how to manage their money, pay for college, repay their student loans, and build a solid foundation for their financial future. Particularly with the unprecedented rise in student loan debt, it's critical that today's students be well educated about financial issues. They must take full advantage of financial aid programs, borrow wisely, be credit savvy, and make it across the finish line of student loan repayment. That's what led to the creation of the TG Student Financial Education Program. The program built this robust curriculum of modules to positively influence the financial behaviors of students and families. The focus of the

6 program is to help learners build a basic level of knowledge to manage day-to-day challenges and reach their financial goals leading up to, during, and after attainment of higher education.