The levels of friendship are varied and complex, tread with caution.

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A wise man once said, "Friends are God's way of apologizing for our family" and when you really think about it the friends that really matter, they are the family that you make. Yes, some people are lucky enough to be friends with their family but sometimes the people that you share DNA with are the most dissimilar to you. I would like to dedicate this post to all the different kind of friends I have had over the years.


We all know that there are levels of friendship; I like to think of it as the friendship pyramid.Kinda like this but less creepy

The base is made up of acquaintances, friends of friends and people you think look vaguely familiar. Usually the denizens of this level are people that you have met for a few hours and then see them later you don’t know whether to let it be known that you know who they are, in case they think you are crazy or they don’t remember you. These people I like to give them the subtle, ‘what’s up nod’ nothing too formal. It acknowledges that you know each other but you are not inviting them over for tea and crumpets. technically this doesn't go but it's pretty great
The second level is, school friends, classmates and work friends. These people are their own group mostly because we act a certain way around them.These people are cool to hang out with from 8-5 Monday through Friday, but inviting them out of this environment can cause problems. Especially if you are in a competitive company or class with them. Many people in this section seem to think that going out with you while not part of class or work is a hidden sign for them to become a covert ninja spy. Who only pretends to be cool until they can use the information that they have learned from you to their advantage. They are the ones that will use the fact that you had a glass of wine with dinner as proof positive that you are an alcoholic and will begin your destruction.
Yes, tell me your weakness...

Level three is the transition phase. I like to think of it as friend limbo. This can be a good friend zone or a bad friend zone. Say that a member of the bottom two tiers has proved their awesomeness and you have deemed them eligible to compete to be in another tier. Then this is a good place for them to be. Or it could be bad. Say someone from the top two tiers has shown how unawesome they are, they can be kicked down to level three while their status is being reevaluated. This is also the only time that the friend pyramid and the love pyramid completely mesh. Members of the love pyramid don’t like coming to this level, mostly because it kicks they out of the other pyramid. If you have every watched the Scrubs episode about the friend zone it greatly explains this transition.

Fourth level is the people that are not your best friends but are still pretty cool. These are the people that know you well enough that you feel you can be more of your self around. However you don’t go full on you around these people. Say you are a really big Pokémon fan, but it’s not something everyone knows. You don’t bust out with the whole Pokémon roster. You pretend you only know the original 150 since that was cool when we were young, and see if anyone else starts naming obscure Pokémon, or whips out their DS. Then you know it is safe. You might also recognize this zone from when you first start dating someone, it’s kind of similar to the beginning of a relationship. There is a great quote that says, “Love comes slowly. The running across a field into someone’s arms comes later in the relationship. Once you’re sure that they won’t laugh if you trip and fall on your face.” Ladies these are the women that you ask to go to the bathroom with you when you are at a party. The relationships you have with close friends greatly resemble love at times. People need to love you to want to hear about your strange neurosis and idiosyncrasies. Typically with this level you still need to have some set ‘plans’ about what you are going to do, rather than just be together.This comes up when you google being awesome.
The fifth level is for your best friends, siblings and family members that you are really close to. These people have something in common; they love you, even when they hate you. These people know that you are actually vulnerable and cry more than you let on.These people are there even when you think that there is no one else. They will come and get you when you run out of gas, and they won’t even tell you that you are stupid. They know all about your obsession with Pokémon and they are ok with that. These are the type of people that you feel comfortable lending money to in any situation. They are also the ones that know more about you than even you know.
Snowman revenge = <3

The very tip of the friend pyramid is your Best Friend. This person you can go long times with out talking to but the second you see them it’s like no time has gone past. Ladies if you don’t know whom your very best friend is, since we tend to have 5 best friends. Think about getting married. The guy or why is not really important. Who is the first person that you ask to be a bridesmaid. That is your very best friend. A best friend is someone you can do hang out with and have no plans and you still have fun because you are hanging out together. They can be polar opposites of you but you still get one another. My best friend is very conservative, from a tiny town in South Texas, and totally different from me, but we get along so well despite all of that. If the friendship pyramid corresponded with the food pyramid a best friend would definitely be the refined sugar at the very top.
Tell me about your friends, do you agree with my friendship assessment. Or am I just insane. Let me know in the comments. -Andrea out.

AC Honors/England Trip

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The Honors Program here at AC is taking in some new directions for the next upcoming academic year. A more variety of classes are becoming available to reach out to more students. And I find this being very much needed. Experiencing being part of the honors program this semester has helped me realize that more students need to be doing this. I've heard stories about students taking classes they don't necessarily need to graduate, but take them anyway since they are apart of the honor's curriculum. So they reach outside of their majors to take classes.

Judy Carter provides an Honors Seminar course that helps plan things for next year to happen with the honor's program. Being currently enrolled in that class I have gotten an amazing opportunity to help out the class and learn some very interesting things about goal setting.

Next year will introduce a select group of students who will serve as presidential scholars, and specific classes are provided for this group as well.

But on to another note, the honors program takes an annual trip over the summer and this year they will be going to England for eight days.

So what I'm trying to say here is that the honors program provides an excellent amount of opportunities to take advantage of with your stay here at AC. Not only does it look good on a transcript, but it really molds you into becoming a wonderful student. And even though this person was already pretty great I know personally a Hanna Osteen who just may be one of the best persons I know, and I'm glad I do. She's a member of the honors program and many other various activities.

Every year this program is trying to do something to engage new students. When people think honors they think hard classes or maybe that their not cut out to do that, but when in reality everybody has a chance and deserves to take a look in joining. So go ahead and do something outside of your comfort zone and do something different.

Because it may just be the one things to lead your life in a new direction!

Tree hugger

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Trends make me giggle. Someone, somewhere does something that someone else says is cool and before you know it, it's everywhere. Bell-bottom jeans and peace signs in the '70s, big hair and tight leather in the '80s...

I always wonder who really starts these trends. I mean, how do I start a trend that spreads like wildfire? Oh, well.

To get to my point, a recent trend that I have noticed is this "being green" thing that is suddenly the trendy, cute, cool thing to do.

In all honesty, it annoys the heck out of me. Not "being green," but rather the fact that it's nothing more than a trend. We finally seem to be onto a trend that could be somewhat beneficial to the planet...but how many people really, truly understand what "being green" is all about?

I don't really care if you have a peace sign tattoo, own a t-shirt with a the recycle symbol on it or wear TOMS. You're not a hippie. You're not a tree-hugger. You probably don't recycle. You probably don't even know what being environmentally mindful really means.

Okay, okay. I'm stereotyping (and ranting). But how many people go out and buy a pair of TOMS because it's for a good cause? How many people actually understand the process of recycling and actively recycle appropriate materials? How many people actually understand what the entire "green" movement is all about?

So now that you all know how strongly I feel about this (at least I hope you do), I am going to take the liberty to share with you a few tips on actually "being green." Follow these steps and you'll look trendier and cooler than anyone else out there. Dear Mother Earth will think so, anyway.

If you are thinking about taking the environment a little more serious and being a little more appreciative of all that this earth has provided us with, I recommend treehugger.com. They have done a wonderful job of providing practical information about what you can take to be more earth-friendly in every area of your life. They also have several links to other helpful websites.
So, we can't all go out and buy an eco-friendly car and remodel our house so it's solar-powered and filled with pricey new appliances that run on less power and waste less water. BUT, I guarantee that everything on my list is perfectly doable.

Think about these things:

1. Next time you visit the coffee shop, don't use the paper or plastic cup.
If you're going to be there for a while, ask you're barista if they have a cups "for here." They do, and they will let you use them. Your coffee or tea will taste much better in a real cup, anyway.
If you're on the run, take your own tumbler or cup. I understand that cups and lids are made of whatever percentage of recycled materials now...blah, blah, blah... This is fine and dandy, but they still wind up piled in the landfill somewhere and making the cups (from recycled materials or not) uses up a considerable amount of energy.

2. Stop buying bottles of water. Or if you do, reuse them. If cute and trendy is your thing, find a cute and trendy water bottle and make use of it. Plus, it's way less expensive in the long run if you just keep refilling the same bottle as opposed to spending $1 or more every time you are thirsty. You can fill your handy dandy water bottle with other beverages, too.

3. Invest in some cute cloth napkins. Mine are just solid green...but I like them. Instead of going out and buying napkins that will just wind up alongside all of those Starbucks cups and plastic bottles in a landfill, I just own a couple sets of nice cloth napkins that I can wash and use over and over again. Extra points for the cloth napkins that are made of organic materials. This helps cut back on the use of harmful chemicals and pesticides in the environment.

4. When doing laundry, try to avoid the "hot" cycle setting. Cold water is best, but even warm is better than the energy-eating full on hot wash. Wear things like jeans two or three times before tossing them in the wash, and use the same towel a few times too. Avoid the dryer by hanging things to air-dry, when possible, and cut back on ironing (who enjoys ironing, anyway?).

5. Shut off the water while brushing your teeth. Wet the toothbrush, shut the water off, brush, then turn the faucet back on to rinse. Simple enough. Don't take half-hour long showers, either.
Likewise, when doing dishes, avoid leaving the water running constantly when rinsing.

6. Walk or ride your bike. It's good for your body, and the environment will appreciate it too. If you're only going to the coffee shop down the street or a few blocks away to pick up an item or two from the grocery story, walking won't kill you, I promise.

7. Never, ever, ever litter. This one really gets to me. Very little irritates me more than when I'm driving down the highway and see the driver in the car in front of me roll down the window and throw an empty cup or whatever else out. You'll probably run into a trash can shortly after parking, so just leave it in the car for a few more minutes.
Smokers, don't throw your cigarette butts on the ground.
And if you see a big piece of trash, do a good deed and pick it up. You'll feel good about it.

8. Start a recycle bag or basket. Just have a bag in the kitchen that you can drop newspapers and magazines in when you're done with them. You could also have a basket for aluminum cans or bottles or whatever else you tend to use lots of. When it's full, stick it in the car and drop it off next time you drive by those big green dumpster-looking things for materials to be recycled.

9. Take your own bags to the grocery store, or recycle the ones you take from the store. I actually pick up a reusable shopping bag as a souvenir wherever I go. I have a Dallas Cowboys one... and my favorite one is probably my Whole Foods bag from Santa Fe.

These are just a few simple things I try to live by. Nothing elaborate, but it makes a big difference. Imagine if everyone lived by a handful of eco-friendly rules.

TJCSGA

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Last weekend was busy for the most part, but that would be an understatement. You see, I was in Austin for the annual TJCSGA Convention. Which stands for Texas Junior College Student Government Association. Basically, all the community colleges in Texas who are involved in TJCSGA with their student government get together for a convention that is completely student run, and does a pretty awesome job at that.

Amarillo College this year was president school, and our representative for that was non other than Anthony Najar who happens to be the SGA President of our college also.

But let's begin.

Day 1: Thursday I was early to rise with my luggage all packed and a box full of campaign materials. Although I was worried thinking my luggage would be overweight and I would have to pay a fine, everything turned out to be OK. Making it to Austin was unbelievable considering we were snowed in to go there for Community College day. I feared the same thing would happen again with this crazy panhandle weather. But all was good. The first day was very casual without having to dress up nice. We had icebreakers, massage chairs, our general assemble, and our region meeting. It was pretty exciting to see Anthony Najar as our president for TJCSGA. I was also excited to serve as Region Parliamentarian during our region meetings.

Day 2: Honestly, it's hard to remember what all went on with everything we had to do. Whether it was getting ready for campaigning or going to workshops. There was always something on the table to do. But there was sure a lot of eating going on.

Day 3: This was the day the speech and skits happened. AC decided to do this year a Napoleon Dynamite themed campaign. We had shirts, chap stick, buttons, and gum. I did the speech Pedro did in the movie, Trevor Brown did the Napoleon dance. It was a very memorable moment for me, and a quite funny one too.

Day 4: Sunday. We had our last General Assembly at the Capitol on the House Floor. We also had our elections. The speeches that were given by the board members were very emotional. And we ended the meeting with the new board present, which I am now a part of as AC's Representative for the State Parliamentarian position.

With new things awaiting me next year I find this to be very exciting. And hope to represent AC to the best of my ability.

Cupcake Adventures of two AC Bloggers

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The culinary world is a buzz with its newest favorite craze. Cupcakes.What is not to like about these darlings? They are personal sized cakes thatcan be decorated to be anything the baker can think of. From basketballs to TVdinners, flower baskets to faces. If you have the time and the talent, you can makeyour cupcakes be anything.Personally, I love cupcakes. Anything that is a miniature version of somethingis awesome in my book.A couple of weeks ago, Brittney and I were talking about doing a joint blogpost. Something that was both creative and fun, something that we could make andshow off. After much debate we decided to make cupcakes. From there we made aquick trip to the magical Internet to get some ideas about what we would be making.There, we realized we just aren’t as creative or artistic as some of these people. I couldn't make this if I tried


There are cupcake artists who can create the coolest things on top of acupcake. We are just not that talented nor did we have years to dedicate to the art ofcupcake decoration.We decided to make two flavors of cupcakes- Red Velvet and White WeddingCake. Let me just say that wedding cake is the best flavor of cake. I could eat it allday every day. The plan originally was for us to make 24 of each flavor cupcake, fora total of 48. There was a flaw in the plan. We wrongly assumed that the recipe wasright and the yield amount was correct. The recipe lied. We had nearly 70 cupcakes,mostly red velvet; it took seven hours from start to finish to create our mini cakemasterpieces. I think we have a legitimate future in the world of cupcake-making, or at least cupcake-eating.

This was an impressive mess. I don't think there has ever been a bigger cupcake mess

Seven hours of cupcake baking, decorating and taste-testing…It was pretty intense and my kitchen was nothing short of a disaster afterward. I can’t complain though, I had a blast. Andrea and I might not be professional cupcake-bakers, but I have to admit I was pretty impressed by the final products overall.

Sure, there were a few ugly ones, but they were delicious none the less and we even wound up with some darn good-looking cupcakes. We had cupcakes that looked like lady bugs, Pokeballs and landscapes and seascapes…there was even one with a badger face on it in honor of the AC mascot. There were cupcakes topped with cream cheese icing, buttercreamicing, sprinkles and/or fondant. We got pretty crafty!

A few things we learned during our cupcake adventure:

• Fondant is frustrating to work with and tastes like Play-Doh…onlysweet instead of salty (yes, I ate Play-Doh as a kid and I know you didtoo).



• No matter how much time is spent Googling cupcake decorating ideas and how much stuff you buy at Wal-Mart to create what you’ve found…it’s not going to turn out how you initially envisioned.We used some of the ideas, but about 60 of the 70 or so cupcakes made illustrate our own creativity coming into play. It’s more fun
  improvising, anyway.

• The recipe only provides guidelines. Andrea knows this… Good thing she made the cupcakes and I just observed. She could just look at the batter and know it needed more this or that… She did well!
  


• Chips and queso = the perfect snack to balance out all of the sweettaste-testing.Making the mess is fun and easy…cleaning up, not so much.



• There is no better way to spend a Saturday afternoon/evening with a good friend, just laughing and having a good time. We all need to take a break and have some fun.
  

Financial Aid for Government Scholarship

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Financial Aid for Working Fathers - Avail Government Scholarships for Fathers Going Back to School!

Are you a working father aiming to upgrade your educational status? Are you aware of the public Pell grants provided free of cost by the Obama curb? If you are whole enchilada set to launch your second innings of schooling thereupon the Federal Pell grants can be of immense sustain as a working father luxuriate in you. After the launching of the revised versions of these grants owing to you can avail up to $5100 per semester from previous $4050 a semester.

It may go up to $10,000 a year and a spanning of 18 semesters till you complete your vagrancy. You boundness easily apply for such a subscribe just by visiting the FAFSA or Federal Government’s website. If you want to favor about these grants then those sites are perfect ones to browse.

There are two untroublesome requirements to apply for these grants – you desideratum perform an American citizen and your age should be above 18. You have the option of choosing a program or transit from a vivid list of 5000+ programs and schools. Depending upon your selection the especial recognize money commit epitomize sanctioned for your favor.

These grants are designed to cope the expenses of books, tuition fees and your living expenses. further you have the bent to choose an online system markedly thus maintaining the all important family time.This is a vivid chance for you to add some extended feathers to your wings. These will be ensconce you till the last breadth. Till then you can be obliged all the benefits they will take to you in the to be future in terms of better pay package and additional flaky peace

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Federal education grant benefits on the web

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Federal education grant benefits on the web – Aiding the students to secure a better future
With the rising educational costs in the US, very few students are being able to foot the bills for a perfect college education. Neither are they nor their parents being able to bear the soaring prices of the various colleges and graduation institutions. Only the wealthiest section can manage this and their number is very few in comparison to the middle class people. Just as payday loan consolidation is a way out of the payday loan debt hell, similarly the educational grant schemes are there to wipe away the financial worries of the student in the US. The purpose of the college grants is to financially help the needy students so that they secure a better future by successfully completing their graduation. The grants money is not required to be repaid and therefore you can easily defray the cost of a college education with the proceeds. Read on to know more about the types of grants available and their benefits.
Student education grants – How they’re different from student loans and scholarship money?
Well, the educational grants are distinctly different from the student loans and the scholarship loans in that they’re free money that need not be repaid. Thus, any needy student who can prove that he cannot finance his education with the monthly income of his parents will be able to get grant money up to a certain level. They can utilize this money in financing their educational costs, tuition fees and make a better academic future.
What are the common sources of educational student grant funding?
There are various kinds of grant programs that are designed according to the changing needs of the student borrowers. Federal grants, state grants, popular minority grants, African American student grants, Asian American student grants are some to name a few. Have a look at some federal grants and how they assist a particular section of US students.
Federal grants: 
The federal government is injecting more money into the hands of the students and this noble step is due to the No Child Left Behind Act in the US. The measures make sure that more primary and secondary institutions give attention to the students without any kind of prejudices. The following federal grant programs assists thousands of students to make college education a financial reality.·         The Academic Competitiveness Grant (AC) is available to an undergraduate freshman who can show outstanding academic records and excellent aptitude for leadership and service.·         The Pell Grant that was established in 1972 is one of the staples of federal funding options for students. This will fund millions of low-income students. However, this particular grant program is always at the mercy of political and budgetary whims of the Federal government. This remains a valuable source for the impoverished students.·         The National Science and Mathematics Access to Retain Talent Grant start providing help where the AC grant leaves off. They provide $4000 awards to the undergraduate students studying engineering, mathematics or science.
Thus, if you’re a needy student who is not being able to pay off your student loans, you need not fret as you have the opportunity to qualify for grants by the Federal government. Wipe off all your financial worries as the payday loan debtors do with payday loan consolidation. Complete your studies and become a more active student in the near future.   | More

Students With Disabilities

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Students With Disabilities Can Still Have A Life Changing Experience When Pursuing A Bachelor's

Do you have disability that you fear may affect your ability to succeed in a Bachelor's degree program? Students with disabilities are entitled to a little extra assistance in order to make getting an education possible. In fact, there are numerous resources for students with disabilities, if you are willing to seek them out. With some perseverance on your part, a Bachelor's degree is certainly attainable for you and may even change your life.

Students with disabilities are often challenged in ways that other students cannot imagine. Whether you have a learning disability, a physical disability, or any other type of disability that makes it more a struggle to reach your full potential, you are likely experiencing anxiety about college. The good news is that every college has disability support services so that you can get the help you need.

Keep in mind that in college you will have to be your own advocate. In high school, a parent or caseworker likely handled challenges such as getting extra academic support for you or making sure the school was accessible for you. In college, it will be up to you to get the help you need. You must be proactive about advocating for yourself if you want to succeed in college. Know that the faculty and personnel of your college typically want to help you to the best of their ability. Also remember that you have certain rights as a disabled student.

What are your responsibilities as a disabled student in college? For one, you must register with your college's office of disability services in order to help your school determine what extra help you may need. It is a good idea to do this in advance so that anything you need can be provided for. For example, if you require an aide or living assistant during college, you will need to arrange this well in advance.

It is also a good idea to contact your professors each semester to let them know about your disability and how they can better help you. Discussing your disability may be uncomfortable, but it is necessary to let your instructors know about your special needs. If you need assistive devices during class, for example, your professor will be able to help accommodate you.

Having a disability may prevent you from participating in extracurricular activities and various college events. It is up to you not to let that happen! After all, getting involved in your school is an important part of the Bachelor's degree program experience. Arrangements can likely be made if you want to get involved but have certain limitations that are holding you back.

Finally, don't be afraid to talk about your disability with other students. You will find that making friends is not hard if you are upfront about certain things. If you feel embarrassed or awkward about your disability, others will be, too. On the other hand, if you are confident and self-assured, others will soon accept your differences.

Only you know what is needed to help you overcome any roadblocks you face in pursuing your bachelor's degree online. If you are diligent about getting the assistance and support you need, you will experience success in your college degree program.

Article Source: http://EzineArticles.com/?expert=Kayla_Russell
Article Source: http://EzineArticles.com/6739462

Special Direct Consolidation Loans

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The U.S. Department of Education (the Department) will offer Special Direct Consolidation Loans to eligible borrowers, beginning in January 2012. This is a short-term consolidation opportunity, ending June 30, 2012, for borrowers with

at least one student loan held by the Department (a Direct Loan or a Federal Family Education Loan [FFEL] owned by the Department and serviced by one of the Department’s servicers); and

at least one commercially-held FFEL loan (a FFEL loan that is owned by a FFEL lender and serviced either by that lender or by a servicer contracted by that lender).

Special Direct Consolidation Loans are intended to help borrowers manage their debt by ensuring all of their federal loans are serviced by the same entity, resulting in one bill and one payment (borrowers repay loans to a loan servicer). Borrowers will also receive an interest rate reduction on Special Direct Consolidation Loans as a repayment incentive.

The information below describes the eligibility requirements and benefits of taking out a Special Direct Consolidation Loan.

Who is eligible for a Special Direct Consolidation Loan?
You must have at least one loan owned by the Department of Education and at least one commercially-held FFEL loan to qualify for a Special Direct Consolidation Loan.

What federal student loans are eligible for the Special Direct Consolidation Loan program?
While you must have both a Department-owned loan and a commercially-held FFEL loan to be eligible, ONLY your commercially-held FFEL loans are eligible for consolidation under this initiative. These include:

FFEL Subsidized and Unsubsidized Stafford Loans;

FFEL PLUS Loans (both those taken out by graduate/professional students and those taken out by a parent to pay for the costs of an undergraduate student); and

FFEL Consolidation Loans

In order to be eligible for consolidation under this initiative, these loans must be in grace, repayment, deferment, or forbearance.
The following loans are ineligible for this program:
FFEL loans in default or subject to a bankruptcy proceeding;

Perkins Loans;

Health Education Assistance Loans (HEAL), Health Professions Student Loans (HPSL), Nursing Student Loans (NSL), Loans for Disadvantaged Students (LDS); and

Private student loans

What are the benefits of Special Direct Consolidation Loans?

Interest rate reduction: If you consolidate into a Special Direct Consolidation Loan, you will receive a 0.25% interest rate reduction from the current interest rate on your commercially-held FFEL loan(s) as of the date of consolidation. The interest rate will be fixed for the life of the loan and cannot exceed 8.25%.

Repayment term will not be changed: The repayment term on your Special Direct Consolidation Loan (the length of time you have to repay the loan) will remain the same as your current repayment terms and will not be reset. As a result, you will pay less interest over the life of the loan than you would with a traditional Direct Consolidation Loan.

Credit for Previous Income-Based Repayment (IBR) Payments: If you made any IBR loan payments on your commercially-held FFEL loans prior to consolidation, those payments will count toward the required repayment time for cancellation if you remain in IBR. Under IBR, any remaining loan balance is forgiven after 25 years of repayment.

Eligibility for loan forgiveness under the Public Service Loan Forgiveness (PSLF) Program: By consolidating your commercially-held FFEL loans into a Special Direct Consolidation Loan, those loans become Direct Loans, and as result, are eligible for the PSLF Program if you meet the additional program requirements. Under this program, you may qualify for forgiveness of the remaining balance due on your eligible Direct Loans after you have made 120 payments on those loans under certain repayment plans while employed full time by certain public service employers. Source: http://studentaid.ed.gov/PORTALSWebApp/students/english/specialconsolidation.jsp

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Financial Aid Applications | FAFSA

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Financial Aid Applications | FAFSA  -Free Application for Federal Student Aid (FAFSA)

You must submit the Free Application for Federal Student Aid (FAFSA) if you want to apply for federal and state financial aid. Many colleges and universities, especially public institutions, also require the FAFSA. You must submit the FAFSA every year that you want aid.

The FAFSA is available in several formats, including online, PDF and paper versions.

The best option is to complete the web-based version of the FAFSA at www.fafsa.ed.gov, known as FAFSA on the Web. It includes step-by-step instructions for completing the online FAFSA as well as preapplication worksheets. You can obtain a PIN to electronically sign the form by visiting www.pin.ed.gov. If you have technical questions about using FAFSA on the Web, call 1-800-4-FED-AID.

FAFSA on the Web offers several benefits, including:

You will get your Student Aid Report (SAR) sooner than with the paper or PDF forms.
Your FAFSA will be more accurate, since the FAFSA on the Web has built-in edit checks to catch simple errors and you avoid errors introduced by the OCR process.

You will save the federal government money by reducing their processing costs.

The online FAFSA allows you to list up to ten colleges, while the paper FAFSA has space only for four colleges.

You may be able to use the IRS Data Retrieval Tool to prefill the answers to some questions on the FAFSA by transferring data from your federal income tax returns. This will save time and may reduce the likelihood that your FAFSA will be selected for verification.

Most families complete the FAFSA online these days.

PDF format FAFSAs are available in black and white and color versions in both English and Spanish. These versions of the FAFSA may be printed using the free Adobe PDF Reader software. Starting with the 2008-2009 academic year, the PDF FAFSAs may be submitted for processing by mail. The PDF version will normally be available starting November 15 of each year.

Paper versions are no longer bulk-distributed to high schools, colleges and libraries, with a few exceptions. (The exceptions involve organizations that work with underrepresented populations and students that do not have access to the Internet or a phone.) However, students may obtain up to three copies of the paper version by calling 1-800-4-FED-AID (1-800-433-3242) or 1-391-337-5665. (Hearing impaired individuals should call the TTY number 1-800-730-8913.) Paper FAFSAs can be ordered starting November 1 of each year.

Note that the FAFSA may not be submitted before January 1, even if the paper and PDF versions are available sooner.

See also the Ask Kantro column, How do I File the FAFSA in January When Tax Returns can't be Filed that Early?

EFC Calculators

FinAid's Financial Aid Estimation Form may be used to calculate your EFC and an estimate of your eligibility for financial aid. This may help you understand a bit about how the federal need analysis system works. You can also run "what-if" experiments to see how much aid you'll get under various scenarios. FinAid also has a QuickEFC calculator that uses much fewer questions to yield a ballpark estimate of your EFC.

Like FinAid's EFC calculator, the US Department of Education's FAFSA4CASTER tool also provides an early estimate of financial aid eligibility. It is similar to FAFSA on the Web, but omits a handful of questions (e.g., drug conviction, selective service, parent education level, list of colleges, signatures). The FinAid tool provides more detailed analysis and more detailed aid eligibility information, but FAFSA4CASTER will potentially be linked with FAFSA on the Web for prefilling the answers to some of the FAFSA questions.

FAFSA Processing Statistics

The number of FAFSAs submitted each year continues to grow. More than 99% of FAFSAs are now submitted online.
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Changes to the Pell Grant Eligibility Requirements

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The Pell Grant is a method that enables you to get funds to shell out for university. It gives you with adequate cash to go to a neighborhood school with no other resources of economic assist. It is a grant, not a university student mortgage, which means that you will in no way have to spend the dollars back again. This is outstanding news for anyone who is qualified. The query is, who specifically is qualified? The only way to know for positive is to fill out a Free of charge Application for Federal College student Help, or FAFSA. The equation employed to decide your eligibility is about thirty pages extended, so taking the time to fill out the FAFSA is actually a blessing inside disguise.

There had been some adjustments for the 2010-eleven college yr that make it less difficult than actually to obtain a this awar. Very first, there has been the Pupil Support and Monetary Duty ACT, or SAFRA, signed into law by President Obama. The threshold for the EFC, or Anticipated Loved ones Contribution, has been improved, which means that a lot more men and women will be qualified. Inside addition, the highest sum presented by t his grant has been elevated as effectively, that means that it can be utilized to pay out for much more of the charges related with higher education.

Initial off, the EFC has been elevated from four,617 to five,273, producing hundreds of far more likely pupils qualified. The volume that you can be awarded as a end result of this award has been elevated to five,550 money from five,350. One superb modify that has been manufactured has to do with the range of credit score several hours that ought to be accomplished inside buy to qualify. You are no extended essential to go to university at minimum 50 %-time, and you can sign up for 2 or even one course at a time and you could even now turn into qualified for a Pell Grant.

You can also acquire it if you are heading to university for the duration of the summertime, as you can now get 2 Pell Grants in one yr as lengthy as they are not at the very same university. This would be if you have been to consider a total timetable for Drop and Spring at one higher education and a entire agenda for Summer season 1 and Summer season 2 at yet another university. Many thanks to individuals modifications, a lot of a lot more college students will be able to bene match from this federal grant method, and individuals who are previously benefiting may possibly get a lot more rewards than they by now did. Previously, the Pell Grant is set to boost the greatest volume that will be presented each and every 12 months to defeat inflation.

Additional 260,000 Students Eligible For Pell Grants

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Along with the well being treatment reform arrived modifications associated to college student loans and university grants. President Obama has proposed to boost the price range for School Grants. This improved price range would make further 260,000 pupils qualified for Pell Grants. It feels like it really is a excellent time to get benefit of the new modifications and acquire school.

I imagine we are residing in a time period of time now, in which heading to university, getting certification, or bettering our skilled skill sets can make the most feeling. It's in the course of recessions exactly where men and women really should assemble steam and power that will be essential to prosper throughout up coming financial booms. Those booms are coming. Every single slowdown is followed by a lot of financial routines later on on. Why not get ready for those wonderful financial instances proper now, by taking benefit of what our federal authorities has to supply and in certain higher education grants.

My idea is backed by latest scientific studies exhibiting far more and much more pupils applying for university and our schooling discipline is al prepared booming. College students will need to achieve college in purchase to be far more aggressive. All seems wonderful, but there is nevertheless one particular modest dilemma. Higher education training charges dollars. Really should you pay out for your training expenses with out of pocket cash? Or is it excellent to consider out a college student loan and wish it will spend by itself off at times in the long run? All individuals queries are legitimate and pupils have to remedy individuals queries on their own, but in circumstance they will need an assistance I have a single for them: Pell Grants.

Pell grants constantly existed and pupils have been applying for them making use of the FAFSA application. Regrettably, not a day goes by wherever I locate out how several school candidates are not mindful of the free of charge funds packages. That is why I will need to chat around school grants and specially it really is most critical part the Pell Grant. My target in the paragraphs beneath is to describe what Pell Grants are. Stroll college students through the application method, and present them who is qualified and how to apply. I will also publish ideas and methods displaying y ou how to improve your possibilities in buy to obtain the highest award or near to it.

Some of you could be asking why am I concentrating on the Pell Grants only. The remedy is basic. This is the most significant grant the federal federal government is delivering in all the schooling plans. The greatest getting, Every single yr the most cash is allotted to this award. In 2009-2010 educational yr the common award was $three,611 with the optimum currently being $five,350. On top rated of this the president's proposal would boost the greatest Pell Grant award by $200, to $five,550 for the 2010-11 educational 12 months. In addition, this improved spending budget would make further 260,000 pupils qualified for this very system. As you can see the Pell Grant method is the system heading ahead and this is the award pupils really should be keen to know every little thing close to.

So what are people Pell Grants? Pell Grants are the heart of authorities training packages. A Federal Pell Grant transpires to be also the groundwork for totally free economic support. This wonderful award was previously acknowledged b y a identify of Simple Academic Possibility Grants (BEOGs). It was named right after U.S. Senator Claiborne Pell of Rhode Island. This is your very first sugar daddy As soon as it arrives to free of charge cash for school. Other sorts of economic assist and other govt plans really should be taken care of as nutritional supplements to Pell Grants.

Free of charge pell grants supply will need dependent awards to low earnings college students. The theory is to market entry to submit secondary education and learning. The economic require by itself is decided by the U.S. Section of Education and learning utilizing a Fundamental system. This system was decided by the US Congress. It normally requires all your economic info from the application form and calculates the award for the applicant.

As with most of the packages this award does not have to be repaid. Apart from the reality this plan carries the most cash, it really is also the 1st grant You'll be regarded as for The moment you publish your university economic support application (FAFSA). It's identified that all around five,400 establishments take part in Pell Grants.

Who is eligibl e? Those grants are awarded constantly only to undergraduate and vocational college students who do not have a bachelor's diploma. In scarce instances those grants are presented to college students enrolled in a publish-baccalaureate instructor certification applications. In purchase to be qualified pupils should be enrolled or accepted for enrollment prior to they apply. College students might not get individuals awards from much more than 1 higher education at a time.

What decides the award sum? The award quantity for this grant is dependent on: pupil's anticipated household contribution, value of attendance, university student's enrollment position, no matter whether the college student attends for a complete 12 months or less. College student's anticipated family members contribution or the EFC is the quantity that is utilized to figure out your eligibility for federal economic help. This amount outcomes from the economic info you presented in your FAFSA application. Your EFC is noted to you on your College student Assist Report (SAR).

The earlier mentioned describes what Pell Grants are and how they work. Now that you know how this grant func tions, let us consider a seem at some of the guidelines and methods that may assist you turn out to be qualified and get far more funds.

My initial suggestion is devoted to these who are even now undecided around this wonderful offer, or do not think they can be awarded every thing. Do not suppose every little thing detrimental. These damaging assumptions are a testament to the reality billions of money goes unclaimed Every single 12 months. Total the application even if you feel you are not qualified. Very occasionally pupils do not apply, simply because they incorrectly presume Pell Grants are for bad pupils only. The fact is pupils with revenue and assets might qualify for this award, but may possibly merely get less funds. In addition, the FAFSA application opens the doorways to all sorts of federal and state support. In circumstance Pell Grants are not relevant does not essential imply there are no other packages wherever college students will take fortunate and obtain no cost dollars with the exact same application.

One more fantastic suggestion associated to this system has to do with the date you apply. Make confident to a pply on New 12 months's Day. Want primarily based economic help is distributed on very first come 1st serve groundwork. Consequently you have to file as quickly as feasible. The moment you welcome the New Yr post your application. This is a very useful technique and I reassure you, you are not heading to be itself performing this.

The up coming trick concentrates on your cash flow and individual assets. The EFC calculator normally requires into account how considerably funds you have and how a lot in individual assets you posses. Here is a modest suggestion exhibiting you how to legally bypass this. The way EFC calculator values assets among you and your mother and father is this: college student contributions are assessed at 20%, parent's contributions are assessed at around 6%, grandparents and other folks are accessed at 0%. Far more excess weight is place on college students then mother and father, and pupils with assets and revenue are penalized. The trick is to shop your assets with somebody other than your self. You will have to do a excellent reports on this dilemma and utilize your own knowledge on how to go around this, but it is po ssible to shift the asset evaluation in purchase to be assessed at a low than 20% rate.

One more crucial process is to take an early estimate of your anticipated loved ones contribution. Estimate your EFC ahead of your pay a visit to school. The perfect time is about your high higher education junior yr. You are going to have an upfront concept of what you may shell out. Once you know your EFC you can discover schools inside of your budget and it will aid you pick your all round economic assist and Pell Grants technique.

Exactly where to Apply
You can apply on Federal College student Help Info Middle web site

Federal University student Support Data
Cellphone: 1-800-43three-3243
TDD: 1-800-730-8913
8 a.m. to 8 p.m., M-F (EST)
E mail: fsa.client.help@ed.gov
Cellphone: 1-800-621-3115 - Default Resolution Group
Mobile phone: 1-800-557-7392 - Immediate Loan Consolidation
Cellphone: 1-888-869-4169 - Disability Discharge Loan Servicing
Mobile phone: 1-800-43three-3243 - Federal Pupil Help Info
Cellphone: 1-202-377-3800 - Workplace of the Ombudsman FSA

Critical Concerns
How do I get the dollars? Establishments that take part in the plan possibly credit score the Federal Pell Grant money to the college student's university account, spend the pupil immediately (constantly by examine) or mix people tricks. College students ought to be paid at minimum once per phrase (semester, trimester, or quarter). Colleges that do not apply formally defined terms need to spend the college student at minimum two times per educational 12 months.

How do you apply for a Pell Grant? Make sure you pay a visit to the Federal College student Assist Data Middle to entire the economic assist form that is essential by Schools and schools to decide your economic support eligibility.

I do not qualify for the Pell Grants, can I qualify for other grants. Indeed, even although you could not qualify for Pell Grants there are other federal, state, college, and personal grants waiting for you to give it a shot.

To Amount it All Up. Pell Grants are the heart of economic support and they are accountable for placing American youngsters through university for free of charge. The current authorities proposal to boost the price range for the Pell Grant tends to make them even a lot more appealing as the highest award for 2011 yr is heading to be $five,550.

Everybody searching for totally free university funds ought to apply because Absolutely everyone is authorized to do so. People awards do not have to be paid back. Possibilities ought to be taken in which they exist. Analysis the suggestions earlier mentioned and give your ideal shot. Individuals who do not try, fall short miserably.

Pay Procedures for the Pell Grant

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Undergraduates searching for a way to finance a school schooling might think about applying for the federal Pell Grant. This requirements-primarily based grant, in contrast to a federal mortgage, does not require repayment. Called for Sen. Claiborne Pell of Rhode Island, the late education and learning advocate, people funds had been previously known as the Fundamental Academic Chance Grant. Most Pell Grant payments are created straight to the institution of increased studying.

Eligibility

Large higher education graduates or people obtaining a Standard Equivalency Diploma, or GED, are qualified for Pell Grants. Pupils ought to be enrolled in a Diploma method at a single of the about five,400 submit-secondary establishments accepting Pell Grants. These who have by now acquired a bachelor's Diploma are ineligible. Only U.S. citizens or College students keeping everlasting legal resident position could acquire Pell Grants. Recipients should certify that grants will be utilised only for Instructional functions. Male Pupils ought to register with the Selective Services.

FAFSA

The 1st phase to establish Pell Grant eligibility is completion and submission of the No cost Application for Federal Student Support, or the FAFSA. Pupils ought to report household cash flow and assets on the FAFSA. From this data arrives the "anticipated family members contribution," or EFC, for the student's university, dependent on a legal method. Other elements apart from earnings and assets figure out the EFC, such as the quantity of individuals in the family and kids attending higher education.

Payment Methods

Publish-secondary establishments both credit score Pell Grant funds into the student's university account or deliver the student a verify for the allotted grant number. Some colleges may possibly use a mixture of people payment Procedures. Payments should be credited or sent to the student at minimum as soon as every phrase, or each and every quarter or trimester at establishments utilizing people intervals. If a university does not have formal terms, College students ought to be compensated, or their accounts credited, a least of two occasions throughout an Instructional yr.

Award Quantities

For the Educational yr 2011 to 2012, the optimum Pell Grant award is $five,550, and the least complete-time student award is $690, based mostly on the least EFC of $five,273. Payment Quantities depend on a number of aspects, not just the EFC. Those consist of tuition charges at the submit-secondary institution, part- or total-time enrollment standing and attendance for the full Instructional yr.

Pell Grant Rules &amp; Qualifications

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school picture by Chad McDermott from Fotolia.com

The Pell Grant, previously recognized as the Fundamental Academic Chance Grant, is a plan that permits reduced-revenue pupils to shell out for college. Practically five,400 establishments of larger understanding throughout the United States take part in the Pell Grant system. Pell Grants largely are for undergraduate college students, even though some postgraduate plans are qualified, this sort of as individuals for aspiring teachers. These applying for Pell Grants will need to acquaint by themselves with the principles and qualifications.

Student Eligibility

Pell Grants exist mainly to aid college students receive their very first bachelor's diploma. The Free of charge Application for Federal Student Help kind decides basic eligibility and a student's anticipated loved ones contribution (EFC). The volume of an award is then decided as a operate of the disparity among the student's EFC and the expense of attending the institution a student chooses.

Although the plan mainly is developed for undergraduate pupils, there are some exceptions. Pupils can obtain Pell Grants for post-baccalaureate courses taken to fulfill state needs for teacher licensure. This kind of courses can't be courses that lead to a postgraduate diploma. Pupils getting Pell Grants for such courses also should be enrolled fifty percent-time and or else be qualified to obtain Pell Grants.

Overpayments

Occasionally college students will acquire Pell Grants in extra of what they really must spend their tuition and charges. Pupils are liable to repay such excesses when they exceed $25, as of 2010. Pupils who refuse or fall short to spend back again this kind of excesses will be ineligible for additional Title IV training funding from the U.S. Division of Schooling. Pupils might attractiveness all excesses and repayments thereof to their Instructional institution.

Payments

Grants should be compensated for each Educational time period for which they are issued. This payment goes through the Instructional institution and ought to be carried out in the type of a credit score to the student's account or a examine. If a student fails to acquire her examine on time, she might nevertheless request payment in the type of a verify up to 20 days right after the end of her previous Instructional expression. A student who fails to select up his verify inside of this 20 day time period forfeits his proper to the verify. Irregardless of the formerly stated guidelines, an institution could choose to give the student her examine through the following Educational interval at the discretion of the institution.

Can You Get a Pell Grant After Your Bachelor&#039;s?

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The Pell Grant is free of charge funds for university.

You may possibly qualify for countless numbers of cash in grant dollars to show up at higher education below the common Pell Grant system. The Pell Grant arrived out in 1972--a portion of the welfare reform motion in the 1970s and late 1960s. Though the Pell Grant exists mostly to aid low-revenue pupils attain an undergraduate diploma, you may possibly be ready to use it for graduate courses.

Identification

The only exception to the undergraduate in an undergraduate diploma method rule for the Pell Grant is for submit-baccalaureate instructor certification or license plans, in accordance to the Section of Education and learning. To qualify, a instructor certification plan need to call for a bachelor's diploma to enter and not enable any undergraduates.

Specifications

The instructor certification method can only have classes necessary by the state to get a certificate and it can not lead to a graduate diploma. Also, the certifying university are unable to incorporate a bachelor's method in teaching. The university student can't contain a earlier instructor's diploma in the state and ought to enroll at previous 50 percent time.

How Colleges Ought to Deal with This Scenario

For federal pupil support functions, the higher education should think about a college student in a submit-baccalaureate instructor certification method an undergraduate in an undergraduate plan, in accordance to the Section of Education and learning. A publish-baccalaureate pupil who gets the Pell Grant gets to be ineligible for the Federal Supplemental Academic Chance Grant (FSEOG).

Suggestion

If you do not qualify for a Pell Grant in a submit-baccalaureate method, you could be capable to consider the Lifetime credit score. You can acquire a tax credit score really worth twenty % of your submit-baccalaureate expenses--up to $2,000--off of your tax obligation for tuition and associated graduate college costs. You can only declare this credit score two times in your life.

2012 Free Application for Federal Student Aid

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2012 Free Application for Federal Student Aid

To be considered for Summer 2012 Financial Aid, you must:

• Be accepted for admission by the university and enrolled in an eligible degree program. Visiting students are not eligible for financial aid.
• Complete the 2011-2012 Free Application for Federal Student Aid (FAFSA) or the Renewal  FAFSA. The 2011-2012 FAFSA will be availableonline  through June 30, 2012; however, UNT’s Priority Date for summer aid consideration is February 15, 2012.
• Complete the Summer Application for Financial Aid online at myUNT . The application deadline is July 16, 2012.
• Verify and finalize any pending items by checking your “To Do List” onmyUNT .

Enrollment Information for Summer 2012

Undergraduate		Graduate
Full-time	12+ undergraduatehours	Full-time	9+ graduatehours
¾ time	9-11 undergraduatehours	¾ time	6-8 graduatehours
½ time	6-8 undergraduatehours	½ time	5 graduatehours
Less than ½ time	1-5 undergraduatehours	Less than ½ time	1-4 graduatehours

Disbursement of Financial Aid Funds

• For your awards to disburse, your awards must be "accepted" onmyUNT . You can also “decline” awards you do not want.
• Satisfactory Academic Progress (SAP) is being monitored at the end of each term. You must be meeting at least the minimum standards for SAP by the end of any given enrollment period at UNT to maintain financial aid eligibility.
• Disbursement of most financial aid funds to undergraduate students will occur once you establish half-time (6 undergraduate hours) attendance.
• Disbursement of most financial aid funds to graduate students will occur once you establish half-time (5 graduate hours) attendance.
• State and institutional grant funds will be disbursed in one disbursement on the 1st class day of the session in which you establish half-time attendance.
• Federal grant payments may be delayed due to required review by SFAS staff. These payments are based on your annual limit and on your summer enrollment status. Please note: some grants have additional requirements and are not guaranteed.
• Loan funds will be disbursed in one disbursement on the 1st class day of the session in which you establish half-time attendance. You must have completed Entrance Counseling requirements and have a signed Master Promissory Note (MPN) on file before funds will disburse.
• If you have been awarded your maximum Direct Stafford loan eligibility during the Fall/Spring 2011-2012 terms, you will not be eligible for loan funds during the Summer 2012 term.

Attendance and Withdrawal Information

New for Summer 2012

All students who are considering dropping from one class or withdrawing from all classes during the Summer semester need to review thisimportant information regarding changes to withdrawal processing .

• You must adhere to class attendance requirements as defined by the university if you enroll in Internet classes.
• Dropping courses below half-time prior to disbursement of financial aid may result in your becoming ineligible for all non-disbursed aid. Additionally, if class attendance is not established, you will be ineligible for disbursed aid and therefore owe a debt to the university.
• If you register for summer classes and decide not to attend, you are REQUIRED to notify BOTH Student Financial Aid and Scholarships AND the Registrar’s Office immediately to begin the withdrawal process.
• If you withdraw from UNT prior to the 60% point of the summer term, you may owe a repayment of financial aid funds to the program(s) from which they were awarded (thus owing a debt to the university).  
• Failure to officially withdraw may result in the receipt of failing grades and you may owe a repayment of financial aid funds to the program(s) from which they were awarded (thus owing a debt to the university) .
• Students who receive failing grades (F’s, WF’s and/or NP’s) in ALL classes while also receiving federal financial aid may owe a repayment of financial aid funds to the program(s) from which they were awarded     (thus owing a debt to the university).
• Withdrawing from classes or failing to complete and pass registered hours will affect your future eligibility for financial aid. You must meet Satisfactory Academic Progress requirements to maintain eligibility for financial aid as defined by Student Financial Aid and Scholarships.
• If you have outstanding charges from a previous award year, you must pay your balance before any current term funds will be posted to your tuition and fee account.

Pending Aid

• If the total amount of your Pending Aid does not cover your full tuition and fee balance, arrangements for the difference must be made in Student Accounting and University Cashiering Services to prevent your classes from being dropped regardless of whether your financial aid and scholarship proceeds are available by the payment deadline.
• Pending Aid is: (1) Scholarships you have been awarded, and/or (2) financial aid you have “Accepted” on myUNT.
• Pending Aid does NOT include Work Study or Parent (PLUS) Loans or Grad PLUS Loans that have been denied due to adverse credit history by the borrower’s lender.
• The Parent (PLUS) Loan and the Grad PLUS Loan will count toward Pending Aid if the Parent (PLUS) Loan borrower or Grad PLUS Loan borrower does not have an adverse credit history and Student Financial Aid and Scholarships has received a credit approval through the Federal Direct Loan Program.

For Your Information

• Financial aid cost of attendance is based on your anticipated summer enrollment, as indicated on your summer application.
• Financial aid eligibility is based on your undergraduate or graduate career and academic program. If you graduate or are admitted to a graduate program prior to Summer 2012, your aid eligibility must be re-evaluated.  It is your responsibility to notify Student Financial Aid and Scholarships at any point your academic program changes. Please refer to the Graduate Academic Program Information page to determine eligibility for graduate and post-baccalaureate academic programs.
• Scholarship checks should be submitted to Student Financial Aid and Scholarships for posting and disbursement before the payment deadline of the summer session(s) in which you enroll.
• Concurrent Enrollment Agreements are not processed during the summer term.
• Questions regarding the refund process  at UNT can be addressed with Student Accounting and University Cashiering Services in the Eagle Student Services Center.

Reminders

• Register early for summer classes!
• Grant funding is limited for the summer. Apply early!
• The later a student submits their FAFSA and/or Summer Application, the later their funds will be available. Students who file a late FAFSA application will be expected to pay their own expenses and wait until their funds arrive to be reimbursed.
• Check your official UNT email regularly. Official notifications from our office will be sent via email whenever possible.
• Visit our website regularly for news and important updates including UNT’s financial aid Priority Dates for Fall/Spring 2012-2013.

Application PDF - http://www.fafsa.ed.gov/fotw1213/pdf/PdfFafsa12-13.pdf
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Source - http://financialaid.unt.edu/summer
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