62% Student Financing Schedule* What an Education is Worth to Me. Workforce Education Gap. Employed by Degree Type

Transcription

1 Student Financing Schedule What an Education is Worth to Me You can earn an associate degree from Westwood College in as little as months. During that time, you will apply for grants and loans three times. If you go on to get a bachelor s degree, you will have to reapply for grants and loans two additional times. Workforce Education Gap % Calendar Year of jobs by 08 will require some postsecondary education Calendar Year Months: BUT ONLY % Terms: of Americans obtain an A.A. or B.A. by the age of Employed by Degree Type Academic Year Academic Year Academic Year Apply and reapply for grants and loans - After each academic year (three terms), every student needs to reapply for grants and loans. Reapplying is required by the federal government. If you need assistance, Westwood s s are available to help you. % Less than a HS Diploma % % HS Diploma Associate Degree Complete Free Application for Federal Student Aid (FAFSA) - To qualify for federal grants and loans, you will be required every year to complete a FAFSA. Please watch for reminders to update your FAFSA. The LIFETIME EARNINGS GAP More questions? To learn more about how to pay for college, visit our website at. Additional information can be found on the Department of Education s website at fafsa.ed.gov. Those with a college degree will earn an estimated $M more than those with a H.S. education. earned % more than those who had not completed high school. W-0-/ Workers with an associate degree Represents a schedule for most two-year associate degree and certificate programs. Certain programs can follow different time frame. Westwood College Annandale (Annandale, VA) and Westwood College Arlington Ballston (Arlington, VA), have been certified to operate in Virginia by the State Council of Higher Education for Virginia (SCHEV). Westwood College River Oaks is authorized by the Indiana Board for Proprietary Education, 0 West Ohio Street, Suite 0, Indianapolis, IN All Westwood College institutions are nationally accredited by the Accrediting Council for Independent Colleges and Schools (ACICS). Westwood College Online is approved to award associate, bachelor s and master s degrees by the Colorado Department of Higher Education. All Westwood College Online degrees are conferred in accordance with Colorado statutes. The Colorado Department of Higher Education regulates Westwood College - Online and all students enrolling in Westwood College Online are enrolled under the Colorado Department of Higher Education s requirements. All students, regardless of their state of origin, will receive the same protections as Colorado state residents. Westwood College Online will respond to all requests initiated by prospective students for information about online programs. Online programs are not available to residents of all states. Call or visit locations for available locations. Westwood College Online is not regulated under Chapter of the Texas Education Code. Not all programs available at all institutions. For important program disclosure information, including salary information, job titles and employers of our graduates, as well as information about median loan debt and potential occupations from the Department of Education, visit westwood.edu/disclosures. 0 Alta Colleges, Inc. SOURCES: Pathways to Prosperity Report, Harvard Graduate School of Education, February 0 Education Pays 0, College Board If you can t repay your loans, don t ignore the problem. Contact your loan servicer or Student Loan Solutions, a team of experts who can help you put a repayment plan together that works for your financial situation. Contact them at or

2 An education is one of the most important investments you will make, and it can change your entire future. Westwood s are here to assist you every step of the way. Money you do not have to pay back Scholarships Awarded based on merit or financial need Apply throughout college career Tuition Assistance Tuition reimbursement from employer Grants Earnings from work Support from family or friends Personal savings Money that you pay back with interest. Federal Direct Loans your first choice Tuition Books, tools and fees Know your money sources Scholarships and grant money Your money Borrowed money Awarded based on financial need Typically funded by federal or state government Money paid out of your pocket from savings or earnings Understand total cost of college Multiple repayment options Lowest interest rate Direct Subsidized Loans Direct Unsubsidized Loans Parent PLUS Loans. Private or Bank Loans. Westwood APEX Institutional Financing Available when all other options have been exhausted Apply for private loans though your own, or your family s, bank or credit union Based on financial credit history Obtain your personal identification number (PIN) Go to pin.ed.gov Attend appointment with Bring required information PIN number Social Security number and driver s license W- forms and other income records Prior year tax returns and, for dependents, parents tax returns Come prepared with a list of questions Borrow only what you need for educational expenses. Remember that student loans are just like any other loan for a car, a house, or other big purchases. They must be repaid with interest. And if you don t repay your loans, it can cause serious consequences, including long-term credit problems. Apply for grants and loans Complete Free Application for Federal Student Aid (FAFSA) Complete Master Promissory Note (MPN) Complete entrance counseling Research and apply for scholarships Visit fastweb.com, finaid.com, gocollege.com, college.gov Westwood institutional scholarships also available to those who qualify Get help from your or Westwood librarian All scholarships received will be counted as a financial resource when determining eligibility for student grants and loans Military benefits To apply, work with your Westwood military benefits campus liaison Available to those who qualify. May be subject to refund based on satisfactory academic performance and class attendance. Review your financial aid award letter Accept grants Awarded based on financial need Accept loans Federal direct loans first more options for repayment lowest interest rate Private or bank loans Westwood APEX institutional financing is offered if federal, private or bank loans do not cover full education costs Grant and loan money awarded will typically be paid directly to Westwood and applied to your account Be a responsible borrower. Borrow only what you need to attend school. In-school payment Meet with your student finance specialist If you can t repay your loan, don t ignore the problem! Contact your loan servicer or Student Loan Solutions, a team of experts who can help you put a repayment plan together that works for your financial situation. Contact them at or Students who receive financing through the Westwood APEX institutional financing program will be required to pay a monthly payment while in school. Keep in contact with your loan servicer. While in-school payments may be optional on your federal student loans, some of these loans will be charged interest while you are in school. Check with your loan servicer. If you are having a problem making a payment, talk to your loan servicer or Student Loan Solutions. Keep track of how much you are borrowing. Make regular, scheduled payments. Open all of your mail and read everything pertaining to your student loans. You are strongly encouraged to pay as much as you can while you are in school to lessen the finance charges you owe after you leave school. Keep all your loan documents in a file. Make a budget and stick to it. Your education will be worth a few sacrifices along the way. Out-of-school payment The amount of your monthly payments will increase when you leave school. You will begin repaying any federal student loans and/or private bank loans. In addition, if you have APEX financing, you will continue to pay a new monthly amount depending on how much you owe. Borrowing Money? Watch these videos If you receive federal direct loans, you must check out this helpful YouTube video series provided by Federal Student Aid, an office of the U.S. Department of Education. Go to list=plcafd80fdf Available to those who qualify. Work closely with your. We re here to help! Paying for college is a smart investment, but the process can feel confusing. Westwood s are here to help you every step of the way. We ll stand by your side while you complete your first FAFSA, demonstrate our student finance web portal and be available for your questions during your time at Westwood College.

3 An education is one of the most important investments you will make, and it can change your entire future. Westwood s are here to assist you every step of the way. Money you do not have to pay back Scholarships Awarded based on merit or financial need Apply throughout college career Tuition Assistance Tuition reimbursement from employer Grants Earnings from work Support from family or friends Personal savings Money that you pay back with interest. Federal Direct Loans your first choice Tuition Books, tools and fees Know your money sources Scholarships and grant money Your money Borrowed money Awarded based on financial need Typically funded by federal or state government Money paid out of your pocket from savings or earnings Understand total cost of college Multiple repayment options Lowest interest rate Direct Subsidized Loans Direct Unsubsidized Loans Parent PLUS Loans. Private or Bank Loans. Westwood APEX Institutional Financing Available when all other options have been exhausted Apply for private loans though your own, or your family s, bank or credit union Based on financial credit history Obtain your personal identification number (PIN) Go to pin.ed.gov Attend appointment with Bring required information PIN number Social Security number and driver s license W- forms and other income records Prior year tax returns and, for dependents, parents tax returns Come prepared with a list of questions Borrow only what you need for educational expenses. Remember that student loans are just like any other loan for a car, a house, or other big purchases. They must be repaid with interest. And if you don t repay your loans, it can cause serious consequences, including long-term credit problems. Apply for grants and loans Complete Free Application for Federal Student Aid (FAFSA) Complete Master Promissory Note (MPN) Complete entrance counseling Research and apply for scholarships Visit fastweb.com, finaid.com, gocollege.com, college.gov Westwood institutional scholarships also available to those who qualify Get help from your or Westwood librarian All scholarships received will be counted as a financial resource when determining eligibility for student grants and loans Military benefits To apply, work with your Westwood military benefits campus liaison Available to those who qualify. May be subject to refund based on satisfactory academic performance and class attendance. Review your financial aid award letter Accept grants Awarded based on financial need Accept loans Federal direct loans first more options for repayment lowest interest rate Private or bank loans Westwood APEX institutional financing is offered if federal, private or bank loans do not cover full education costs Grant and loan money awarded will typically be paid directly to Westwood and applied to your account Be a responsible borrower. Borrow only what you need to attend school. In-school payment Meet with your student finance specialist If you can t repay your loan, don t ignore the problem! Contact your loan servicer or Student Loan Solutions, a team of experts who can help you put a repayment plan together that works for your financial situation. Contact them at or Students who receive financing through the Westwood APEX institutional financing program will be required to pay a monthly payment while in school. Keep in contact with your loan servicer. While in-school payments may be optional on your federal student loans, some of these loans will be charged interest while you are in school. Check with your loan servicer. If you are having a problem making a payment, talk to your loan servicer or Student Loan Solutions. Keep track of how much you are borrowing. Make regular, scheduled payments. Open all of your mail and read everything pertaining to your student loans. You are strongly encouraged to pay as much as you can while you are in school to lessen the finance charges you owe after you leave school. Keep all your loan documents in a file. Make a budget and stick to it. Your education will be worth a few sacrifices along the way. Out-of-school payment The amount of your monthly payments will increase when you leave school. You will begin repaying any federal student loans and/or private bank loans. In addition, if you have APEX financing, you will continue to pay a new monthly amount depending on how much you owe. Borrowing Money? Watch these videos If you receive federal direct loans, you must check out this helpful YouTube video series provided by Federal Student Aid, an office of the U.S. Department of Education. Go to list=plcafd80fdf Available to those who qualify. Work closely with your. We re here to help! Paying for college is a smart investment, but the process can feel confusing. Westwood s are here to help you every step of the way. We ll stand by your side while you complete your first FAFSA, demonstrate our student finance web portal and be available for your questions during your time at Westwood College.

4 An education is one of the most important investments you will make, and it can change your entire future. Westwood s are here to assist you every step of the way. Money you do not have to pay back Scholarships Awarded based on merit or financial need Apply throughout college career Tuition Assistance Tuition reimbursement from employer Grants Earnings from work Support from family or friends Personal savings Money that you pay back with interest. Federal Direct Loans your first choice Tuition Books, tools and fees Know your money sources Scholarships and grant money Your money Borrowed money Awarded based on financial need Typically funded by federal or state government Money paid out of your pocket from savings or earnings Understand total cost of college Multiple repayment options Lowest interest rate Direct Subsidized Loans Direct Unsubsidized Loans Parent PLUS Loans. Private or Bank Loans. Westwood APEX Institutional Financing Available when all other options have been exhausted Apply for private loans though your own, or your family s, bank or credit union Based on financial credit history Obtain your personal identification number (PIN) Go to pin.ed.gov Attend appointment with Bring required information PIN number Social Security number and driver s license W- forms and other income records Prior year tax returns and, for dependents, parents tax returns Come prepared with a list of questions Borrow only what you need for educational expenses. Remember that student loans are just like any other loan for a car, a house, or other big purchases. They must be repaid with interest. And if you don t repay your loans, it can cause serious consequences, including long-term credit problems. Apply for grants and loans Complete Free Application for Federal Student Aid (FAFSA) Complete Master Promissory Note (MPN) Complete entrance counseling Research and apply for scholarships Visit fastweb.com, finaid.com, gocollege.com, college.gov Westwood institutional scholarships also available to those who qualify Get help from your or Westwood librarian All scholarships received will be counted as a financial resource when determining eligibility for student grants and loans Military benefits To apply, work with your Westwood military benefits campus liaison Available to those who qualify. May be subject to refund based on satisfactory academic performance and class attendance. Review your financial aid award letter Accept grants Awarded based on financial need Accept loans Federal direct loans first more options for repayment lowest interest rate Private or bank loans Westwood APEX institutional financing is offered if federal, private or bank loans do not cover full education costs Grant and loan money awarded will typically be paid directly to Westwood and applied to your account Be a responsible borrower. Borrow only what you need to attend school. In-school payment Meet with your student finance specialist If you can t repay your loan, don t ignore the problem! Contact your loan servicer or Student Loan Solutions, a team of experts who can help you put a repayment plan together that works for your financial situation. Contact them at or Students who receive financing through the Westwood APEX institutional financing program will be required to pay a monthly payment while in school. Keep in contact with your loan servicer. While in-school payments may be optional on your federal student loans, some of these loans will be charged interest while you are in school. Check with your loan servicer. If you are having a problem making a payment, talk to your loan servicer or Student Loan Solutions. Keep track of how much you are borrowing. Make regular, scheduled payments. Open all of your mail and read everything pertaining to your student loans. You are strongly encouraged to pay as much as you can while you are in school to lessen the finance charges you owe after you leave school. Keep all your loan documents in a file. Make a budget and stick to it. Your education will be worth a few sacrifices along the way. Out-of-school payment The amount of your monthly payments will increase when you leave school. You will begin repaying any federal student loans and/or private bank loans. In addition, if you have APEX financing, you will continue to pay a new monthly amount depending on how much you owe. Borrowing Money? Watch these videos If you receive federal direct loans, you must check out this helpful YouTube video series provided by Federal Student Aid, an office of the U.S. Department of Education. Go to list=plcafd80fdf Available to those who qualify. Work closely with your. We re here to help! Paying for college is a smart investment, but the process can feel confusing. Westwood s are here to help you every step of the way. We ll stand by your side while you complete your first FAFSA, demonstrate our student finance web portal and be available for your questions during your time at Westwood College.

5 Student Financing Schedule What an Education is Worth to Me You can earn an associate degree from Westwood College in as little as months. During that time, you will apply for grants and loans three times. If you go on to get a bachelor s degree, you will have to reapply for grants and loans two additional times. Workforce Education Gap % Calendar Year of jobs by 08 will require some postsecondary education Calendar Year Months: BUT ONLY % Terms: of Americans obtain an A.A. or B.A. by the age of Employed by Degree Type Academic Year Academic Year Academic Year Apply and reapply for grants and loans - After each academic year (three terms), every student needs to reapply for grants and loans. Reapplying is required by the federal government. If you need assistance, Westwood s s are available to help you. % Less than a HS Diploma % % HS Diploma Associate Degree Complete Free Application for Federal Student Aid (FAFSA) - To qualify for federal grants and loans, you will be required every year to complete a FAFSA. Please watch for reminders to update your FAFSA. The LIFETIME EARNINGS GAP More questions? To learn more about how to pay for college, visit our website at. Additional information can be found on the Department of Education s website at fafsa.ed.gov. Those with a college degree will earn an estimated $M more than those with a H.S. education. earned % more than those who had not completed high school. W-0-/ Workers with an associate degree Represents a schedule for most two-year associate degree and certificate programs. Certain programs can follow different time frame. Westwood College Annandale (Annandale, VA) and Westwood College Arlington Ballston (Arlington, VA), have been certified to operate in Virginia by the State Council of Higher Education for Virginia (SCHEV). Westwood College River Oaks is authorized by the Indiana Board for Proprietary Education, 0 West Ohio Street, Suite 0, Indianapolis, IN All Westwood College institutions are nationally accredited by the Accrediting Council for Independent Colleges and Schools (ACICS). Westwood College Online is approved to award associate, bachelor s and master s degrees by the Colorado Department of Higher Education. All Westwood College Online degrees are conferred in accordance with Colorado statutes. The Colorado Department of Higher Education regulates Westwood College - Online and all students enrolling in Westwood College Online are enrolled under the Colorado Department of Higher Education s requirements. All students, regardless of their state of origin, will receive the same protections as Colorado state residents. Westwood College Online will respond to all requests initiated by prospective students for information about online programs. Online programs are not available to residents of all states. Call or visit locations for available locations. Westwood College Online is not regulated under Chapter of the Texas Education Code. Not all programs available at all institutions. For important program disclosure information, including salary information, job titles and employers of our graduates, as well as information about median loan debt and potential occupations from the Department of Education, visit westwood.edu/disclosures. 0 Alta Colleges, Inc. SOURCES: Pathways to Prosperity Report, Harvard Graduate School of Education, February 0 Education Pays 0, College Board If you can t repay your loans, don t ignore the problem. Contact your loan servicer or Student Loan Solutions, a team of experts who can help you put a repayment plan together that works for your financial situation. Contact them at or

6 Student Financing Schedule What an Education is Worth to Me You can earn an associate degree from Westwood College in as little as months. During that time, you will apply for grants and loans three times. If you go on to get a bachelor s degree, you will have to reapply for grants and loans two additional times. Workforce Education Gap % Calendar Year of jobs by 08 will require some postsecondary education Calendar Year Months: BUT ONLY % Terms: of Americans obtain an A.A. or B.A. by the age of Employed by Degree Type Academic Year Academic Year Academic Year Apply and reapply for grants and loans - After each academic year (three terms), every student needs to reapply for grants and loans. Reapplying is required by the federal government. If you need assistance, Westwood s s are available to help you. % Less than a HS Diploma % % HS Diploma Associate Degree Complete Free Application for Federal Student Aid (FAFSA) - To qualify for federal grants and loans, you will be required every year to complete a FAFSA. Please watch for reminders to update your FAFSA. The LIFETIME EARNINGS GAP More questions? To learn more about how to pay for college, visit our website at. Additional information can be found on the Department of Education s website at fafsa.ed.gov. Those with a college degree will earn an estimated $M more than those with a H.S. education. earned % more than those who had not completed high school. W-0-/ Workers with an associate degree Represents a schedule for most two-year associate degree and certificate programs. Certain programs can follow different time frame. Westwood College Annandale (Annandale, VA) and Westwood College Arlington Ballston (Arlington, VA), have been certified to operate in Virginia by the State Council of Higher Education for Virginia (SCHEV). Westwood College River Oaks is authorized by the Indiana Board for Proprietary Education, 0 West Ohio Street, Suite 0, Indianapolis, IN All Westwood College institutions are nationally accredited by the Accrediting Council for Independent Colleges and Schools (ACICS). Westwood College Online is approved to award associate, bachelor s and master s degrees by the Colorado Department of Higher Education. All Westwood College Online degrees are conferred in accordance with Colorado statutes. The Colorado Department of Higher Education regulates Westwood College - Online and all students enrolling in Westwood College Online are enrolled under the Colorado Department of Higher Education s requirements. All students, regardless of their state of origin, will receive the same protections as Colorado state residents. Westwood College Online will respond to all requests initiated by prospective students for information about online programs. Online programs are not available to residents of all states. Call or visit locations for available locations. Westwood College Online is not regulated under Chapter of the Texas Education Code. Not all programs available at all institutions. For important program disclosure information, including salary information, job titles and employers of our graduates, as well as information about median loan debt and potential occupations from the Department of Education, visit westwood.edu/disclosures. 0 Alta Colleges, Inc. SOURCES: Pathways to Prosperity Report, Harvard Graduate School of Education, February 0 Education Pays 0, College Board If you can t repay your loans, don t ignore the problem. Contact your loan servicer or Student Loan Solutions, a team of experts who can help you put a repayment plan together that works for your financial situation. Contact them at or