Affording College - Fostering Success...

Affording College in Michigan

guiDeBookfor students and families this guidebook includes information on planning DQGDSSOLQJIRUFROOHJHLQFOXGLQJAgraveQDQFLDO

resources to assist with affording college in Michigan

MiChigAn DepArtMent of treAsury shy stuDent finAnCiAl serviCes BureAu

wwwmichigangovmistudentaid

A special thank you to the following for their participation in the formation of this guidebook

holt high school students

Waverly high school students

Mason high school students

sfsB student Assistants

photographer george gasser

graphic Designer heather Case

State Of Michigan

DEPARTMENT OF TREASURY 5amp61lt(5 1amp$+285governor anSing 67$7(75($685(5

Dear Student

It is never too early to start to prepare for college Higher education is a lifetime investment and will help RXPHHWRXUOLIHJRDOV3DUWRIJHWWLQJWKHUHLVKDYLQJWKHiquestQDQFLDOKHOSRXPLJKWQHHGWRSDIRUFROOHJH

7KH6WDWHRI0LFKLJDQKDVEHHQSURYLGLQJiquestQDQFLDODVVLVWDQFHSURJUDPVIRU0LFKLJDQVWXGHQWVVLQFHDQGKDVKHOSHGRYHUWKUHHPLOOLRQVWXGHQWVZLWKURXJKOELOOLRQLQVFKRODUVKLSDVVLVWDQFHWRDFKLHYHtheir higher education goals

7KH6WDWHDGPLQLVWHUVDYDULHWRIVWXGHQWiquestQDQFLDODLGSURJUDPVDQGVHUYLFHVLQFOXGLQJ

6FKRODUVKLSVDQGUDQWV ampROOHJH6DYLQJV3URJUDPV RDQ5HKDELOLWDWLRQ6HUYLFHV ampROOHJH$FFHVVQLWLDWLYHV )LQDQFLDOLWHUDFQLWLDWLYHV

Our goal is to help you pay for college so you can obtain a valuable postsecondary academic degree or SURIHVVLRQDOWHFKQLFDOFHUWLiquestFDWHKHWKHUFROOHJH LVPDQHDUVDZDRURXDUHJRLQJ WREHHQUROOLQJsoon this guide can help you get connected to many different resources to help as you plan for your postsecondary education

ltRXDUHDELJSDUWRI0LFKLJDQparaVEULJKWIXWXUHDQGWKHXSFRPLQJOHDGHUVRIRXUJUHDWVWDWHHWUHDGIRUtomorrow starting today You deserve every opportunity to pursue your dreams of a college education and become anything you want to be I wish you the very best

Sincerely

$QQHRKOIHUWLUHFWRU6WXGHQW)LQDQFLDO6HUYLFHVXUHDXMichigan Department of Treasury

(67$($1675((7$1610amp+$1ZZZPLFKLJDQJRYWUHDVXU

4

GUIDebOOk OUtLIne this guidebook is designed to help high school and college students as they prepare for and complete their postsecondary education this guidebook is divided into the following sections

Section I ndash Planning and Applying for College mdash this section provides information on helpful tools and resources for high school students the following planning items are covered

College Planning Checklist

Get Ready for College ampROOHJH$GPLVVLRQV7HVWVampROOHJH)DLUVampROOHJH1LJKWVampRPPXQLW6HUYLFH([WUDFXUULFXODU$FWLYLWLHVAwards and honors

+LJK6FKRRO7UDQVFULSW5HTXHVWampROOHJH(VVDVHWWHUVRI5HFRPPHQGDWLRQ)LUVWHQHUDWLRQampROOHJHJRLQJ6WXGHQWV

Saving and Planning for College 0LFKLJDQ(GXFDWLRQ7UXVW0(70LFKLJDQ(GXFDWLRQ6DYLQJV3ODQ0(636FKRODUVKLS6HDUFKH0RQH6PDUW7KHPSRUWDQFHRI)LQDQFLDO(GXFDWLRQXDORUampRQFXUUHQW(QUROOPHQW(DUOampROOHJHampROOHJHHYHO([DPLQDWLRQ3URJUDPamp(3

Choosing a College ampDPSXV9LVLWV7SHVRIampHUWLAgraveFDWHVDQGHJUHHV7SHVRIampROOHJHV

Section II ndash Financial Steps to Paying for College mdash this section provides information on how to apply for federal 6WDWHORFDODQGLQVWLWXWLRQDOAgraveQDQFLDODLG7KHIROORZLQJAgraveQDQFLDOVWHSVDUHFRYHUHG

Paying for College Checklist

Applying for Federal Financial Aid ampRPSOHWLQJWKH)UHH$SSOLFDWLRQIRU)HGHUDO6WXGHQW$LG)$)6$)6$)LQDQFLDO$LG)XQGLQJ2SWLRQV

Federal Financial Aid Programs

Michigan Financial Aid Programs Administered by Student Scholarships and Grants (SSG)

MiSSG Student Portal

Additional Financial Aid ProgramsResources

Searching for Scholarships 6FKRODUVKLSHEVLWHVRRN5HVRXUFHVDQG$SSOLFDWLRQ7LSV

Student Loan Options

Section III ndash Directory of Michigan Colleges and Universities HRJUDSKLFDO0DS$OSKDEHWLFDOLVWLQJ

5

SeCtIOn I

PLAnnInG AnD APPLyInG FOR COLLeGe College Planning Checklist

High School Freshmen take challenging classes in core academic areas 8SGDWHRXU(G 2EWDLQLQIRUPD get involved wi ([SORUHDQGLGH keep a runninapplications

XFDWLRQDOHYHORSPHQW3ODQ(3DQGFUHDWHDIRXUHDUSODQIRUPHHWLQJJUDGXDWLRQUHTXLUHPHQWVWLRQDERXWWDNLQJ$3KRQRUVDQGGXDOFRQFXUUHQWHQUROOPHQWFRXUVHVth communityshybased and leadershipshyoriented activities QWLIFDUHHUAgraveHOGVRILQWHUHVWWKURXJKRQOLQHUHVHDUFKDQGEDWWHQGLQJFDUHHUIDLUVDQGRWKHUHYHQWVg list of accomplishments awards and recognitions to use in preparing a resume and college

High School Sophomore Attend college and career information events and presentations research funding for college including scholarships grants loans etc ampRQWLQXHH[SORULQJFROOHJHDQGFDUHHURSWLRQV prepare for the psAt by taking practice tests and using resources available through CollegeBoard and khan Academy

High School Junior fall take the psAt to prep for the sAt $WWHQGFROOHJHIDLUVFROOHJHQLJKWVDQGFROOHJHSUHSSUHVHQWDWLRQVHSUHSDUHGWRDVNTXHVWLRQV ampRQWLQXHH[SORULQJFROOHJHDQGFDUHHURSWLRQVDQGPDNHDOLVWRIRXUWRSFROOHJHFKRLFHV

spring 3UHS IRU FROOHJH DGPLVVLRQV H[DPV 6$7$amp7 E WDNLQJ SUDFWLFH WHVWV DQG XVLQJ UHVRXUFHV DYDLODEOH WKURXJKCollegeBoard and khan Academy

7DNHWKH6$7DQGRUNHVDVVHVVPHQWVFXUUHQWOUHTXLUHGDVSDUWRIWKH0LFKLJDQ0HULW([DP00( identify scholarship opportunities to pursue note deadlines on a calendar 6FKHGXOHFROOHJHFDPSXVYLVLWVDQGFRQWDFWFROOHJHVWRUHTXHVWLQIRUPDWLRQ

High School Senior summer Before senior year plan and schedule college visits narrow down your list of colleges being considered

fall 5HJLVWHUIRUDQGWDNHRUUHWDNHWKH6$7DQGRU 0HHWZLWKDFRXQVHORUWRYHULIWKDWJUDGXDWLRQ Complete and submit college applications prior Complete and submit scholarship applications 5HTXHVWWUDQVFULSWVDQGOHWWHUVRIUHFRPPHQGDWL 5HJLVWHUIRUD)HGHUDO6WXGHQW$LG)6$ RUNZLWK SDUHQWV WR FRPSOHWH WKH )UHH$SSOLoctober 1

5HYLHZDQGPDNHDQQHFHVVDUFKDQJHVFRUU

Winter

$amp7LIQRWDOUHDGGRQHUHTXLUHPHQWVZLOOEHPHWRQVFKHGXOH to deadlines prior to deadlines RQ

FDWLRQ IRU )HGHUDO 6WXGHQW $LG )$)6$ DV VRRQ DV SRVVLEOH DIWHU

HFWLRQVWRWKH6WXGHQW$LG5HSRUW6$5

spring ampRQVLGHUFROOHJHD ampDOOFROOHJHAgraveQDQFL HFLGHRQWKHFROO Make informed de

finish submitting scholarship applications

FFHSWDQFHVFRPSDUHAgraveQDQFLDODLGSDFNDJHVRIIHUHGDODLGUHSUHVHQWDWLYHVZLWKDQTXHVWLRQVHJHWRDWWHQGDQGFRQWDFWWKHLURIAgraveFHVcisions about student loans

Source Connections Academy

6

Get Ready for College

you may be receiving a lot of advice about your future ndash advice from your parents relatives or from your school counselor Whether your postsecondary goal is to attend a state university community college private college career or technical school or if you arenrsquot sure it is important to give serious thought to your future goals while yoursquore in high school

having the dream to go to college is a great start each school college or XQLYHUVLWKDVGLIIHUHQWDGPLVVLRQVUHTXLUHPHQWVVRRXQHHGWRFKHFNWKHSROLFIRUHDFKRQH0RVWIRXUHDUFROOHJHVDQGXQLYHUVLWLHVUHTXLUHRXWRWDNHDWOHDVWone college admissions test as part of your college application process these tests are prepared by national organizations and are given several times each year at many locations the two most common tests are the ACtreg and the sAtreg HJLQQLQJZLWKWKHampODVVRI6$7VFRUHVDUHUHYLHZHGIRUFRQVLGHUDWLRQRIWKHPHULWSRUWLRQWRTXDOLIIRUWKH0LFKLJDQampRPSHWLWLYH6FKRODUVKLS

College Admission test Most students take the sAt in their junior year as it is part of the Michigan Merit ([DP00(IRXZDQWWRLPSURYHRXUVFRUHVRXPDWDNHSUDFWLFH6$7WHVWVAsk your counselor about this process and look at resources available through the CollegeBoard and khan Academy

College Fairs and College nights College fairs and nights offer a great opportunity for students and parents to meet faceshytoshyface with a college admissions representative to view a listing of Michigan FROOHJHIDLUVYLVLWZZZPDFUDRRUJDQGFOLFNRQampROOHJHD1LJKWampDOHQGDU

Community Service extracurricular Activities Awards and Honors $OWKRXJKRXUFODVVHVJUDGHVDQGH[DPVFRUHVDUHLPSRUWDQWPRVWFROOHJHVDQG

XQLYHUVLWLHVDOVRZDQWWRNQRZKRZRXVSHQGRXUWLPHRXWVLGHRIWKHFODVVURRPEURDGHQLQJRXUH[SHULHQFHVRXwill be more likely to match your interests with college program options and future employment possibilities include RXUFRPPXQLWVHUYLFHH[WUDFXUULFXODUDFWLYLWLHVDZDUGVDQGKRQRUVRQDSSOLFDWLRQV

High School transcript Request long before your college application deadline ask your high school counselor what the correct steps are to send RXUWUDQVFULSWHOHFWURQLFDOOWRWKHFROOHJHVRXDUHFRQVLGHULQJ6RPHKLJKVFKRROVLQ0LFKLJDQSURFHVVWUDQVFULSWVthrough parchment

College essays As part of the application packet some colleges and universities ask you to write about yourself or another topic this HVVDZLOOVKRZWKHPKRZZHOORXFDQH[SUHVVRXUVHOILQZULWLQJ7KHEHVWZDWRSUHSDUHIRUWKLVDSSOLFDWLRQHVVDLVWRtake college prep english classes in high school and do well in these classes tips for writing your college essay can be IRXQGDWKWWSVELJIXWXUHFROOHJHERDUGRUJJHWLQHVVDVWLSVIRUFUDIWLQJRXUEHVWFROOHJHHVVD

Letters of Recommendation Many colleges and universities ask for one to three letters of recommendation and some have special forms for these letters When you apply for college you will need to ask people to write these letters for you these people may be WHDFKHUVHPSORHUVRURWKHUDGXOWVEXWQRWIDPLOPHPEHUVZKRNQRZRXDQGKDYHSRVLWLYHWKLQJVWRVDDERXWyour work and your character usually letters of recommendation must be sent directly to the college or university itrsquos your responsibility to make sure that the letters of recommendation are sent to the college before the deadline date

First Generation College-Going Student $UHRXWKHAgraveUVWLQRXUIDPLOWRFRQVLGHUDWWHQGLQJFROOHJHmiddotP)LUVWLVDQRQOLQHFRPPXQLWIRUAgraveUVWJHQHUDWLRQFROOHJHVWXGHQWVDQGWKHLUVXSSRUWHUV9LVLWZZZLPAgraveUVWRUJWRAgraveQGDQVZHUVWRRXUTXHVWLRQVDERXWFROOHJHKHOSIXO WLSVDQGencouragement

7

Saving and Planning for College

College costs have increased over the past few years planning ahead will provide you some comfort when it comes time to pay for your postsecondary education if you start saving for college now you can reduce the amount of PRQHRXQHHGODWHU6WDUWAgraveQDQFLDOSODQQLQJDQGLQYHVWLQJQRZ

Michigan education trust7KH 0LFKLJDQ (GXFDWLRQ 7UXVW 0(7 0LFKLJDQmiddotV JXDUDQWHHG WXLWLRQ SURJUDP DOORZVparents grandparents or others to purchase future college tuition at todayrsquos rates With 0(7RXDYRLGULVLQJWXLWLRQUDWHVZKLFKDUHH[SHFWHGWRPRUHWKDQGRXEOHRYHUWKHQH[WWHQHDUV)RUDGGLWLRQDOLQIRUPDWLRQDERXW0(7FDOO0(7RUvisit wwwsetwithmetcom

Michigan education Savings Program7KH 0LFKLJDQ (GXFDWLRQ 6DYLQJV 3URJUDP 0(63 LV D VDYLQJVLQYHVWPHQW SURJUDPGHVLJQHGWRDVVLVWIDPLOLHVZLWKSUHSDULQJIRUKLJKHUHGXFDWLRQH[SHQVHV$FKLOGmiddotVSDUHQWVRURWKHUVFDQRSHQDQDFFRXQWIRUWKHFKLOGEHQHAgraveFLDU7KH0(63DFFRXQWFDQWKHQgrow through regular contributions and investment growth for additional information DERXW0(63FDOO0(63RUYLVLWZZZPLVDYHVFRP

Scholarship SearchKHQVHDUFKLQJIRUVFKRODUVKLSVUHPHPEHUWRFKHFNORFDOVRXUFHVWKURXJKRXUKLJKVFKRROJXLGDQFHRIAgraveFHDQGORFDOcivic groups and businesses start searching early during your junior year of high school use free reputable internet VHDUFKVHUYLFHVHZDUHRIVFDPVDQGVHUYLFHVUHTXLULQJSDPHQW$GGLWLRQDOLQIRUPDWLRQRQVFKRODUVKLSVHDUFKHVDQGUHVRXUFHVDUHDYDLODEOHLQ6HFWLRQRIWKLVERRNOHW

be Money Smart - the Importance of Financial education0DQDJLQJRXUAgraveQDQFLDOUHVRXUFHVHIIHFWLYHOFDQOHDGWRDOLIHWLPHRIAgraveQDQFLDOVHFXULW6WXGHQWVZKRKDYHOHDUQHGhow to be ldquomoney smartrdquo before college can save themselves a lot of heartache and money knowing how to save budget and borrow can make a huge difference Avoid regrets such as ldquoi wish i would have known that before i took out this loanrdquo or ldquoi wish i didnrsquot run up my credit cardrdquo

)LQLVKRXUHGXFDWLRQDOSURJUDPRQWLPHZLWKPLQLPDOORQJWHUPGHEWDQGRQOERUURZZKDWRXQHHG QRZWKHFDUHHURXZDQWWRSXUVXH7KLVZLOOUHGXFHRXUWLPHLQFROOHJHDQGZLOODOORZRXWRVDYHPRQH 3XWRXUPRQHWRZRUNIRURXOHDUQWREXGJHWDQGVDYH 5HOD[DQGIHHOOHVVVWUHVV

for more information visit

national endowment for financial education high school financial planning program wwwhsfpporgJump$tart Coalition ndash financial smarts for students wwwjumpstartorg0LFKLJDQampRXQFLORQ(FRQRPLF(GXFDWLRQ0amp(( wwwmichiganeconorggreenpath university wwwgreenpathorgQFHSWLDsup2$GLYLVLRQRI1DWLRQDO6WXGHQWRDQ3URJUDPV163 wwwinceptiaorgMapping your future ndash Managing your Money wwwmappingyourfutureorgMoneystart smart Money Management for teens wwwfdicgovconsumersthe Money game wwwwinthemoneygamecom

8

Dual or Concurrent enrollment Another way to be money smart is to participate in dual or concurrent enrollment students enrolled in high school or home school may be dual or concurrently enrolled at a local community college or university students from grades DUHHOLJLEOHIRUGXDOHQUROOPHQWXSWRDPD[LPXPRIWHQFRXUVHVLQIRXUHDUVIWKHVHVWXGHQWVSDVVWKHLUFROOHJHclasses they receive credit that may be applied toward their high school diploma or toward a college degree or FHUWLAgraveFDWHXDOHQUROOPHQWLVDGYDQWDJHRXVWRVWXGHQWVEHFDXVHLWDOORZVWKHPWRJHWDKHDGVWDUWRQWKHLUFROOHJHcareer and save money

ampKHFNZLWKRXUKLJKVFKRROFRXQVHORUWRAgraveQGRXWKRZRXFDQEHLQYROYHGLQWKHXDO(QUROOPHQWSURJUDPQIRUPDWLRQFDQDOVREHIRXQGDWZZZPLFKLJDQJRYGXDOHQUROOPHQW

earlyMiddle College $WWHQGLQJDQ(DUO0LGGOHampROOHJHRIIHUVFROOHJHVDYLQJV$Q(DUO0LGGOHampROOHJH3URJUDPLVDAgraveYHHDUKLJKVFKRROprogram designed to allow a pupil to earn a high school diploma and substantial college credit through an additional AgraveIWKHDURIVWXG$IRUPDODJUHHPHQWZLWKHDFKSRVWVHFRQGDUSDUWQHULVUHTXLUHG(DUO0LGGOHampROOHJH+LJK6FKRROVFDQEHJLQDVHDUODVWKRUWKJUDGH6WXGHQWVDWWHQG IRUAgraveYHHDUVDQG IROORZDVSHFLAgraveFAgraveYHHDUSURJUDPRILQVWUXFWLRQ)RUPRUHLQIRUPDWLRQYLVLWKWWSZZZPLFKLJDQJRYPGHDQGFOLFNRQ0(3URJUDPV

College Level examination Program (CLeP) amp(3LVDFUHGLWEH[DPLQDWLRQSURJUDPWKDWLVDFFHSWHGEVRPHFROOHJHVDQGXQLYHUVLWLHV7DNLQJDQGSDVVLQJWKHClep can provide a student with college credit without paying the cost of tuition there is a fee to take Clep however WKHIHHYDULHVGHSHQGLQJRQWKHFRXUVH)RUPRUHLQIRUPDWLRQSOHDVHYLVLWKWWSVFOHSFROOHJHERDUGRUJ

9

Choosing a College

Campus Visits Most colleges and universities have a form to complete for scheduling a campus visit on their Web site Contact the DGPLVVLRQVRIAgraveFHIRUPRUHLQIRUPDWLRQDERXWVFKHGXOLQJDFDPSXVYLVLW6SHQGVRPHWLPHWKLQNLQJDERXWZKDWRXZDQWto get out of your visit make yourself a checklist and compare your notes after visiting different campuses Check out the ampDPSXV9LVLWXLGHRQWKHampROOHJHRDUGHEVLWHDWKWWSVELJIXWXUHFROOHJHERDUGRUJAgraveQGFROOHJHVFDPSXVYLVLWJXLGH

7SHVRIampHUWLAgraveFDWHVDQGHJUHHV7KHQXPEHURI HDUV RXQHHG WR VSHQG LQ FROOHJHGHSHQGVRQ WKHFDUHHU RXDUHSUHSDULQJ IRU WKHFHUWLAgraveFDWHRUGHJUHHUHTXLUHGIRUWKDWFDUHHUDQGZKHWKHURUQRWRXDUHLQFROOHJHIXOOWLPHLIIHUHQWFDUHHUVKDYHGLIIHUHQWPLQLPXPFHUWLAgraveFDWHRUGHJUHHUHTXLUHPHQWV8QGHUJUDGXDWHSRVWVHFRQGDUHGXFDWLRQLQFOXGHV

ampHUWLAgraveFDWH$ FHUWLAgraveFDWH SUHSDUHV RX IRU HQWUOHYHO MREV LQ D SURIHVVLRQDO HQYLURQPHQW ampHUWLAgraveFDWHV SURYLGH WUDLQLQJ DQGRU HGXFDWLRQ EHRQG KLJK VFKRRO WR SUHSDUH IRU D VSHFLAgraveF RFFXSDWLRQ ampRPSOHWLRQ WLPH GHSHQGVXSRQWKHUHTXLUHPHQWVRIWKHSURJUDP

Apprenticeship the apprenticeship program gives you handsshyon job training and classroom study to help prepare you for a job students in these programs are called apprentices or trainees Completion time depends RQWKHUHTXLUHPHQWVRIWKHSURJUDPEXWLWLVXVXDOOWZRWRWKUHHHDUVafter graduation from high school

Associate Degree $Q DVVRFLDWH GHJUHH SURYLGHV HGXFDWLRQ DQG WUDLQLQJ IRU D VSHFLAgraveFcareer Courses taken for an associate degree can be transferred to a fourshyyear university if you plan ahead with the help of your college counselor Completion time is usually two to four years after receiving a KLJKVFKRROGLSORPDRULWVUHFRJQL]HGHTXLYDOHQW

bachelorrsquos Degree $EDFKHORUmiddotVGHJUHH LVFRPSRVHGRIJHQHUDODQGVSHFLAgraveFFRXUVHVWRprepare you for a career in these programs you will take the courses WKDWDUHPRUHIRFXVHGRQDVSHFLAgraveFFDUHHUDIWHUDHDURUVRRIJHQHUDO FODVVHVampRPSOHWLRQWLPHLVXVXDOOIRXUWRVL[HDUVDIWHUUHFHLYLQJDKLJK VFKRROGLSORPDRULWVUHFRJQL]HGHTXLYDOHQW

types of Colleges

Career Schools ampDUHHUVFKRROVSURYLGHFHUWLAgraveFDWHVRIFRPSOHWLRQRUGLSORPDVQRWGHJUHHV7KHSURYLGHWUDLQLQJLQDVSHFLAgraveFWUDGHoccupation or vocation and offer short programs

Community Colleges ampRPPXQLW FROOHJHV DUH WZRHDU SXEOLF LQVWLWXWLRQV WKDW RIIHU FHUWLAgraveFDWHV DQG DVVRFLDWH GHJUHHV DV ZHOO DVapprentice and journeyman programs they prepare you for technical careers or for transfer into a fourshyyear college or university

Four-year Colleges and Universities fourshyyear colleges and universities offer a wider variety of degrees including bachelorrsquos and masterrsquos degrees they PDFRVWPRUHWKDQDFRPPXQLWFROOHJHDQGXVXDOOKDYHVSHFLAgraveFDGPLVVLRQUHTXLUHPHQWV

note Many colleges provide incoming students with an assessment test these tests allow colleges to gauge the knowledge level of incoming students and ensure that they place these students in appropriate courses By preparing for and scoring high on college assessment tests students can earn the opportunity to skip entry level courses and proceed to more advanced coursework

10

SeCtIOn II

FInAnCIAL StePS tO PAyInG FOR COLLeGe Paying for College Checklist

High School FreshmanSophomore )LQGRXWKRZAgraveQDQFLDODLGFDQKHOSRXDII get an idea of what college might really c talk to your family about ways to pay for c save mone y for college save part of yo

allowance or earnings from chores or an IXWXUHFROOHJHH[SHQVHV

Challenge yourself inside the classroom goH[SDQGRXUFROOHJHRSSRUWXQLWLHVEXWDOVfor college Many grants and scholarships aon academic performance

get involved in activities you like your aclassroom can lead to scholarships that college

High School Junior ampRQWLQXHWDONLQJZLWKRXUIDPLODERXWSDLQJIRUFROOHJH6WDUWSODQQLQJRXUAgraveQDQFLDOVWUDWHJ

RODVWLF$SWLWXGH7HVW1DWLRQDO0HULW6FKRODUVKLS4XDOLILQJ7HVW36$710647-XQLRUVZKRKLFK LVJLYHQ LQ2FWREHUDUHDXWRPDWLFDOOHQWHUHG LQWR WKH1DWLRQDO0HULW6FKRODUVKLS

r interests and passions Many scholarships award money for college based on a studentrsquos round and intended major tween sticker price and net price A collegersquos sticker price is its full published cost while the ttending a college minus grants and scholarships you receive HVRIAgraveQDQFLDODLG)LQGRXWWKHGLIIHUHQFHEHWZHHQDJUDQWDQGDORDQWKHZDZRUNVWXGosts and more HG3ODFHPHQW$3FODVVHVDQGH[DPVZKLFKFDQFRXQWWRZDUGFROOHJHFUHGLWDQGPD

QW0DQVFKRROVKRVWAgraveQDQFLDODLGQLJKWVVRVWXGHQWVDQGWKHLUIDPLOLHVFDQJHWLQIRUPDWLRQ

VXPPHUMRE(YHQDOLWWOHH[WUDPRQHZLOOKHOSRXSDIRUERRNVDQGOLYLQJH[SHQVHVZKLOH

7DNH WKH3UHOLPLQDU6FK

WDNHWKH36$710647Zprogram

take an inventory of youactivities talents backg

learn the difference benet price is the cost of a

5HVHDUFK WKHYDULRXVWScan help with college c

ampRQVLGHU WDNLQJ$GYDQFhelp you save money

R WRDAgraveQDQFLDODLGHYHDQGDVNTXHVWLRQV

6HW DVLGHPRQHIURPDin college

RUGFROOHJHost you ollege ur birthday money aftershyschool job for

od grades not only RFDQKHOSRXSDre awarded based

ctivities outside the will help you afford

High School Senior research local scholarship opportunities talk to your school counselor teachers or other adults in your community

about scholarships offered by local organizations Ask your parents to see if their employers grant scholarships RRNXSGHDGOLQHVRQmiddotWPLVVWKHSULRULWGHDGOLQHVIRURXUFROOHJHVmiddotAgraveQDQFLDODLGDSSOLFDWLRQVDQGVFKRODUVKLSV HWDQHVWLPDWHRIZKDWWKHFROOHJHVRQRXUAgraveQDOOLVWZLOODFWXDOOFRVW )LQGRXWDERXWGLIIHUHQWNLQGVRIVWXGHQWORDQV1RWDOOVWXGHQWORDQVDUHHTXDO Complete your fAfsA you can submit the fAfsA after october 1 $SSO IRUDQSULYDWHVFKRODUVKLSVRXmiddotYHIRXQG0DNHVXUHRXXQGHUVWDQGDQGIROORZWKHDSSOLFDWLRQUHTXLUHPHQWV

and apply by the deadline ampRPSDUHRXUAgraveQDQFLDODLGDZDUGV ampRQWDFW D FROOHJHmiddotV AgraveQDQFLDO DLG RIAgraveFH LI QHFHVVDU )LQDQFLDO DLG RIAgraveFHUV DUH WKHUH WR KHOS RX LI RX KDYH

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Source ndash Big Future by the College Board

11

Applying for Federal Financial Aid

6WXGHQWAgraveQDQFLDODLGFRQVLVWVRIDQVRXUFHRIIXQGVDYDLODEOHto students and their families to pay for the cost of any postsecondary education the main sources of VWXGHQWAgraveQDQFLDODLGDUHWKHIHGHUDOJRYHUQPHQWVWDWHJRYHUQPHQWLQVWLWXWLRQVFROOHJHV DQG XQLYHUVLWLHV DQG SULYDWH VRXUFHV DVVRFLDWLRQV IRXQGDWLRQVHPSORHUVDQGXQLRQV

Free Application for Federal Student Aid (FAFSA) 7REHFRQVLGHUHGIRUPRVWAgraveQDQFLDODLGSURJUDPVVWXGHQWVPXVWAgraveOHWKH)$)6$after october 1 of their high school senior year and each year thereafter when applying for aid this can be done online at wwwfafsagov priority consideration for state programs is given to those students who apply and whose application is received at the federal processor on or before March 1

FSA ID prior to completing the online fAfsA the student and at least one parent must REWDLQD)HGHUDO6WXGHQW$LG)6$ltRXFDQFUHDWHD)6$ZKHQORJJLQJLQWR ZZZIDIVDHGJRY 7KH )6$ VHUYHV DV D OHJDO VLJQDWXUH DQG FRQAgraveUPVRXULGHQWLWZKHQDFFHVVLQJRXUAgraveQDQFLDODLGLQIRUPDWLRQWKURXJKFHUWDLQ86Department of education Web sites

Financial Aid Funding Options financial aid funding options can be meritshybased needshybased or both

0HULWEDVHGHVLJQHGWRDVVLVWVWXGHQWVZKRH[FHOLQDUHDVVXFKDVDFDGHPLFVsports leadership music art dance etc it is used to recruit and recognize students for their special talent or merit

1HHGEDVHGHWHUPLQHGEFRPSOHWLQJWKH)$)6$6WXGHQWVZKRGHPRQVWUDWHAgraveQDQFLDOQHHGEDVHGRQWKHUHVXOWVRIWKH)$)6$PDEHHOLJLEOHWRUHFHLYHDQDZDUGEDVHGRQWKHLUAgraveQDQFLDOQHHGIRUDLG

note 7KHAgraveQDQFLDODLGSURFHVVLVVHSDUDWHIURPWKHDGPLVVLRQVSURFHVVHDZDUHRI WKH IRUPV WKDW DUH UHTXLUHG IRU HDFK FROOHJH RXDSSO WR 6RPHFROOHJHVUHTXLUHDGGLWLRQDOSDSHUZRUNampRPSOHWHDQGVXEPLWDOOUHTXLUHGIRUPVLQDWLPHOmanner


7KHVHSURJUDPVDUHDZDUGHGEWKHAgraveQDQFLDODLGRIAgraveFHRIWKHFROOHJHRXDWWHQG

Federal Pell Grant mdash the federal pell grant is a grant for undergraduate students ZKRGHPRQVWUDWHAgraveQDQFLDOQHHGDQGKDYHQRWHWFRPSOHWHGDEDFKHORUmiddotVRUprofessional degree Amounts change yearly

Federal Supplemental educational Opportunity Grant (FSeOG) mdash fseog provides IXQGV WR XQGHUJUDGXDWH VWXGHQWV ZLWK H[FHSWLRQDO AgraveQDQFLDO QHHG 3ULRULWconsideration is given to federal pell grant recipients students could receive EHWZHHQ DQG D HDUGHSHQGLQJRQQHHGZKHQ RXDSSO DQGfunds available at your school

Federal Work-Study mdash the federal Workshystudy program provides partshytime HPSORPHQW IRUXQGHUJUDGXDWHDQGJUDGXDWHVWXGHQWVZLWKAgraveQDQFLDOQHHGWRDVVLVWZLWKSDLQJHGXFDWLRQDOH[SHQVHV

DeterminingEligibility it is important to educate

yourself on the variety of

assistance available to

you regardless of your

AgraveQDQFLDOVLWXDWLRQWLV

recommended you submit

your FAFSA as soon as

possible after October 1

even if you believe you do

not qualify for aid priority

consideration for state aid

programs is given to those

students whose fAfsA is

received at the federal

processor on or before

March 1

5HPHPEHUWKHAgraveUVWacute)microLQ

fAfsA means ldquofreerdquo there

is no reason to pay to

submit the fAfsA visit

KWWSPLFROOHJHJRDORUJ

to get free assistance with

the fAfsA process

Federal Perkins Loan mdash the federal perkins loan is available to undergraduate and graduate students at a low interest rate the principal and interest of the loan must be repaid to the school that disbursed the loan note not all institutions participate in the federal perkins loan program

teacher education Assistance for College and Higher education Grant (teACH) mdash for undergraduates who are completing or plan to complete coursework needed to begin a career in teaching at an elementary school secondary VFKRRORUHGXFDWLRQDOVHUYLFHDJHQFWKDWVHUYHVVWXGHQWVIURPORZLQFRPHIDPLOLHV6WXGHQWVPXVWZRUNLQWKHAgraveHOGotherwise the grant turns into a loan

Iraq and Afghanistan Service Grant mdash for students who are not eligible for a pell grant due to not meeting the programrsquos QHHGUHTXLUHPHQWDQGZKRVHSDUHQWRUJXDUGLDQGLHGDVDUHVXOWRIPLOLWDUVHUYLFHSHUIRUPHGLQUDTRU$IJKDQLVWDQDIWHUWKHHYHQWVRI6HSWHPEHUWK7KHDZDUGLVHTXDOWRWKHPD[LPXP)HGHUDO3HOOUDQWIRUWKHDZDUGHDU

for more information on federal student Aid programs please visit wwwstudentAidgov

Michigan Financial Aid Programs Administered by SSG

these programs are awarded by Student Scholarships and Grants (SSG) within the Michigan Department of treasury All awards are subject to approved and available funding

Michigan Competitive Scholarship sup37KH0LFKLJDQampRPSHWLWLYH6FKRODUVKLS0amp6 LVEDVHGRQERWKAgraveQDQFLDOQHHGDQGPHULW0amp6IXQGVPDEHXVHGDW0LFKLJDQSXEOLFDQGLQGHSHQGHQWQRQSURAgraveWGHJUHHJUDQWLQJSRVWVHFRQGDULQVWLWXWLRQV7REHFRQVLGHUHGDVWXGHQWPXVWWDNHWKH6$7SULRUWRHQWHULQJFROOHJHDQGDFKLHYHDTXDOLILQJVFRUHKHQAgraveOLQJWKH)$)6$WKHAgraveUVWLQVWLWXWLRQOLVWHGXQGHURXUFROOHJHFKRLFHZLOOEHFRQVLGHUHGRXUSULRULWVFKRRODQGthat is where the award will be delivered students are responsible for notifying ssg of a change in their college FKRLFH7KLVFDQEHGRQHWKURXJKWKH0L666WXGHQW3RUWDODWZZZPLFKLJDQJRYPLVVJRUEFDOOLQJ5$176

Michigan tuition Grant sup37KH0LFKLJDQ7XLWLRQUDQW07LV EDVHG RQ AgraveQDQFLDO QHHG IRU XVH DW SULYDWH QRQSURAgraveWdegreeshygranting colleges and universities in Michigan 7KH AgraveUVW LQVWLWXWLRQ OLVWHG XQGHU RXU FROOHJH FKRLFH ZLOObe considered your priority school and that is where the award will be delivered students are responsible for notifying ssg of a change in their college choice

3ROLFH2IAgraveFHUmiddotVDQG)LUH)LJKWHUmiddotV6XUYLYRU7XLWLRQUDQW mdash 7KH3ROLFH2IAgraveFHUmiddotVDQG)LUH)LJKWHUmiddotV6XUYLYRU7XLWLRQUDQWSURJUDP67SURYLGHVIRUWKHZDLYHURIWXLWLRQDWSXEOLFcommunity colleges and state universities for the surviving VSRXVHDQGFKLOGUHQRI0LFKLJDQSROLFHRIAgraveFHUVDQG AgraveUHAgraveJKWHUVNLOOHGLQWKHOLQHRIGXW$QDSSOLFDWLRQLVUHTXLUHGDQGWKHVWXGHQWPXVWGHPRQVWUDWHAgraveQDQFLDOQHHG

73HQFRXUDJHVHOLJLEOHVWXGHQWVWRFRPSOHWHKLJKVFKRRODVWXGHQWPXVWKDYHUHFHLYHG0HGLFDLGFRYHUDJHIRUHDJHVRIQLQHDQGKLJKVFKRROJUDGXDWLRQ7KH0LFKLJDQ

tuition Incentive Program sup37KH7XLWLRQQFHQWLYH3URJUDPESURYLGLQJWXLWLRQDVVLVWDQFHIRUFROOHJH7REHHOLJLEOHPRQWKVZLWKLQDFRQVHFXWLYHPRQWKSHULRGEHWZHHQWKHSDUWPHQWRI+HDOWKDQG+XPDQ6HUYLFHV++6GHWHUPLQHVZKLFKVWXGHQWVDUH0HGLFDLGHOLJLEOHDQGWUDQVPLWVWKLVLQIRUPDWLRQWRWKH0LFKLJDQHSDUWPHQWRI7UHDVXU$QDSSOLFDWLRQPXVWEHVXEPLWWHGE$XJXVWRIWKHVWXGHQWmiddotVJUDGXDWLQJHDURIKLJKVFKRRO$SSOLFDWLRQVFDQEHFRPSOHWHGRQWKH0L666WXGHQW3RUWDODWZZZPLFKLJDQJRYPLVVJRURYHUWKHSKRQHEFDOOLQJ5$17673PXVWEHLQLWLDWHGZLWKLQIRXUHDUVIURPKLJKVFKRROJUDGXDWLRQDQGHOLJLELOLWHQGVDIWHUVL[HDUVIURPWKHGDWHRIKLJKVFKRROJUDGXDWLRQ7KHDZDUGLVOLPLWHGWRtuition credit hours and mandatory fees at participating colleges and universities

Children of Veterans tuition Grant sup37KHampKLOGUHQRI9HWHUDQV7XLWLRQUDQWamp97LVGHVLJQHGWRSURYLGHXQGHUJUDGXDWHWXLWLRQDVVLVWDQFHWRVWXGHQWVROGHUWKDQDQGOHVVWKDQHDUVRIDJHZKRDUHWKHQDWXUDORUDGRSWHGFKLOGRIDMichigan veteran the veteran must have died or become totally and permanently disabled as a result of military VHUYLFH$QDSSOLFDWLRQLVUHTXLUHG

12

13

GeAR UP College Day Scholarship mdash geAr up recipients must have successfully completed the geAr up scholarship VL[HDUSURJUDPDQGEHQRPLQDWHG7KHPXVWDOVRSRVVHVVDKLJKVFKRROGLSORPDEHOHVVWKDQHDUVROGEHDUHVLGHQWRI0LFKLJDQDQGPXVWXVHWKHVFKRODUVKLSZLWKLQAgraveYHHDUVRIKLJKVFKRROJUDGXDWLRQ

Dual enrollment mdash Dual enrollment allows students to begin taking dual enrollment classes in the 9th JUDGH DQG FRQWLQXH WR WDNH XS WR WHQ GXDO HQUROOPHQW FRXUVHV LQ JUDGHV 3ULYDWH VFKRRO VWXGHQWVPXVW AgraveUVW JHW D VLJQHG OHWWHU RI HOLJLELOLW IURP WKHLU SULQFLSDO WR SDUWLFLSDWH LQ WKH SURJUDP 3XEOLF VFKRROVWXGHQWV VKRXOG FKHFN ZLWK WKHLU FRXQVHOLQJ RIAgraveFH IRU PRUH LQIRUPDWLRQ )RU DGGLWLRQDO LQIRUPDWLRQ YLVLWZZZPLFKLJDQJRYGXDOHQUROOPHQW

Fostering Futures Scholarship sup37KH)RVWHULQJ)XWXUHV6FKRODUVKLS))6SURYLGHVHOLJLEOHIRVWHURXWKZLWKVFKRODUVKLSIXQGVIRUWXLWLRQIHHVURRPERDUGERRNVDQGVXSSOLHVHTXLSPHQWUHTXLUHGIRUHQUROOPHQW6WXGHQWVPXVWKDYHEHHQLQIRVWHUFDUHRQRUDIWHUWKHLUWKELUWKGDWRTXDOLI


ssg has a Missg student portal where students can check eligibility and complete applications for state of Michigan DLGFRQVLGHUDWLRQ)RUVWXGHQWVWRKDYHDFFHVVWRWKH0L666WXGHQW3RUWDOWKHPXVWKDYHDFXUUHQWHDU)$)6$RQAgraveOHRUD73UHFRUG)LUVWWLPHXVHUVPXVWKDYHWKHLU6RFLDO6HFXULWQXPEHUZKHQVLJQLQJXS9LVLWZZZPLFKLJDQJRYPLVVJand click on the ldquostudentrdquo button to navigate to the Missg student portal to create an account and log in

for more information on Michigan financial Aid programs SOHDVHYLVLWZZZPLFKLJDQJRYVVJ$OODZDUGVDUH

subject to approved and available funding

14


3URJUDPUHTXLUHPHQWVPDYDU

Mapping your Future mdash Web site wwwmappingyourfutureorg

knowHow2Gosup3HEVLWHKWWSNQRZKRZJRDFHQHWHGX

you Can Gosup3HEVLWHKWWSRXFDQJRFROOHJHERDUGRUJ

education and training Voucher (etV)sup3)RVWHUFDUHRXWK6DPDULWDVHEVLWHKWWSVPLHWYVDPDULWDVRUJRUFDOO

youth In transition (yIt)sup3)RVWHUFDUHRXWKHEVLWHZZZPLFKLJDQJRYILWRUFDOO

national Center for Homeless education (nCHe)sup3HEVLWHKWWSFHQWHUVHUYHRUJQFKHLEWKLJKHUBHGSKS

Michigan Rehabilitation Services (MRS)sup3HEVLWHZZZPLFKLJDQJRYPUVRUFDOO

Michigan Workssup3HEVLWHKWWSPLFKLJDQZRUNVRUJRUFDOO256

Michigan Indian tuition Waiversup3HEVLWHZZZPLFKLJDQJRYPGFURUFDOO

bureau of Indian educationsup3HEVLWHZZZELHHGXRUFDOO

Federal Health and Human Services Programssup3HEVLWHKWWSEKSUKUVDJRYVFKRODUVKLSVORDQV

Michigan Department of Military and Veterans Affairs (Michigan national Guard State tuition Assistance Program)sup3HEVLWHZZZPLFKLJDQJRYGPYD

Military Programssup3HEVLWHZZZJLELOOYDJRYRUFDOO

5HVHUYH2IAgraveFHU7UDLQLQJampRUS527ampsup3HEVLWHVZZZDIURWFFRPZZZJRDUPFRPURWFZZZQURWFQDYPLORUwwwmarinescom

education tax Creditssup3HEVLWHZZZLUVJRY3XEOLFDWLRQRUFDOO

Searching for Scholarships

there are thousands of scholarships from all kinds of organizations 7KHVFKRODUVKLSVHDUFKLVDVLJQLAgraveFDQWXQGHUWDNLQJWLVQHYHUWRRHDUOWREHJLQKRZHYHULWLVUHFRPPHQGHGWRVWDUWDSSOLQJIRUVFKRODUVKLSVDVHDUODVWKHWKJUDGHDQGFRQWLQXHZKLOHLQFROOHJH$FFRUGLQJWsearch

1 Check with your prospective colleg

QTXLUHZLWKWKHAgraveQDQFLDODLGRIAgraveFHsup2

5HVHDUFKORFDOFRPPXQLWJURXSVR

6HDUFKRQOLQHsup28VHIXOHEVLWHVDUHO

HDZDUHRIGHDGOLQHVsup2WLVUHFRPdeadline for all of your applications

R7KH3ULQFHWRQ5HYLHZWKHUHDUHAgraveYHWKLQJVRXFDQGRWRMXPSVWDUWRXU

es ndash there is usually a separate scholarship application process

7KHPDKDYHDVFKRODUVKLSWKDWLVWKHULJKWAgraveWIRURX

URXUSDUHQWmiddotVSODFHRIEXVLQHVVVWDUWEDVNLQJRXUFRXQVHORU

LVWHGRQWKHIROORZLQJSDJH

PHQGHGWKDWRXNHHSDFDOHQGDUDQGPDNHRXUHDUOLHVWGHDGOLQHWKH

15

Apply early often and each year that you are in college if you miss a deadline and send your application in late your application is likely to go to the bottom of the pile if you skip over an award because you think you would not get it you could be missing out on an op When searching for other scholars

ampKHFNORFDOVRXUFHVAgraveUVWWKURX 6WDUWVHDUFKLQJHDUOGXULQJ 8VHfreeUHSXWDEOHQWHUQHWVH

Useful Scholarship Web Sites ZZZPLFKLJDQJRYVVJ KWWSVVWXGHQWDLGHGJRYVDW wwwcollegeboardorg wwwfastwebcom wwwpetersonscom

portunity for some generous funding that you would not need to pay back

hip sources remember the following

JKRXUKLJKVFKRROJXLGDQFHRIAgraveFHORFDOFLYLFJURXSVDQGEXVLQHVVHVRXUKLJKVFKRROMXQLRUHDUDUFKVHUYLFHVHZDUHRIVFDPVDQGVHUYLFHVUHTXLULQJSDPHQW

SHVJUDQWVVFKRODUVKLSV

ZZZVDOOLHPDHFRPSODQIRUFROOHJHVFKRODUVKLSVVFKRODUVKLSVHDUFK

Useful Scholarship book Resources Confessions of a Scholarship Winner by kristina ellis The Ultimate Scholarship Book 2017 Billions of Dollars in Scholarships Grants and Prizes by gen and kelly tanabe

Scholarship Application tips

Helpful information on scholarship essays is available on sallie Maersquos College Answer Web site at wwwcollegeanswer FRP 7KHH[SODLQ WKDWmany scholarship applications require at least one essay the information you give about yourself on the essay will give the scholarship committee an insight of who you are beyond your grades it is your opportunity to make a strong impression When writing your essay you should

HRULJLQDO $YRLGPHDQLQJOHVVL +DYHDPDLQSRLQW ampOHDUOVWDWHZK HKRQHVW

visit wwwcollegeanswDOVRYLVLWWKH66HE

QIRUPDWLRQ

RXGHVHUYHWRZLQ

ercom to see other important information about saving planning and paying for college please VLWHDWZZZPLFKLJDQJRYVVJFOLFNRQWKH(OLJLELOLWWDEDQGWKHQ6HDUFKLQJIRU6FKRODUVKLSV

Beware RQRWSDWRAgraveQGPRQHIRUFROOHJH visit

wwwstudentaidgov and click on types of

$LGWRAgraveQGRXWPRUHDERXWVFKRODUVKLSVFDPV


Federal Direct Subsidized Loan mdash for undergraduate students the federal government pays the interest while the borrower is in school during grace and deferment periods the student must attend at least half time financial need is UHTXLUHGIRXDUHDAgraveUVWWLPHERUURZHUWKHUHLVDOLPLWRQWKHPD[LPXPSHULRGRIWLPHPHDVXUHGLQDFDGHPLFHDUVWKDWRXFDQUHFHLYHLUHFW6XEVLGL]HGORDQVampKHFNZLWKRXUAgraveQDQFLDODLGRIAgraveFHIRUPRUHGHWDLOV

Federal Direct Unsubsidized Loan mdash for undergraduate and graduate students the borrower is responsible for all LQWHUHVWDQGWKHVWXGHQWPXVWDWWHQGDWOHDVWKDOIWLPH)LQDQFLDOQHHGLVQRWUHTXLUHG

Federal Direct PLUS Loan mdash for parents of dependent undergraduate students and for graduate or professional VWXGHQWV7KHVWXGHQWPXVWEHHQUROOHGDWOHDVWKDOIWLPH)LQDQFLDOQHHGLVQRWUHTXLUHG$FUHGLWFKHFNLVUHTXLUHG if the SDUHQWLVGHQLHGWKHVWXGHQWFDQTXDOLIIRUDGGLWLRQDOXQVXEVLGL]HGIXQGV

Private Loans sup3RDQVFDQDOVREHREWDLQHGIURPSULYDWHVRXUFHVVXFKDVDEDQNRUAgraveQDQFLDOLQVWLWXWLRQA credit check LV UHTXLUHG note that loans made by the federal government usually offer borrowers lower interest rates and have PRUHAacuteH[LEOHUHSDPHQWRSWLRQV than loans from banks or other private sources see wwwstudentaidedgov for more information and to keep abreast of any changes

Satisfactory Academic Progress (SAP) Maintaining a good gpA not withdrawing from classes and not changing majors multiple times are areas monitored IRU6$36$3UHTXLUHPHQWVPXVWEHEDVHGRQTXDOLWDWLYHDQGTXDQWLWDWLYHVWDQGDUGVDVZHOODVFRPSOLDQFHZLWKWKHPD[LPXPWLPHIUDPHDOORZHGIRUFRPSOHWLRQRIDGHJUHHSURJUDP+RZZHOODVWXGHQWGRHV LQDFODVVDORQJZLWKthe number of credit hours completed versus the number of credit hours attempted is very important and helps to GHWHUPLQHWKDW6$3LVEHLQJPHWIRXIDOOLQWRYLRODWLRQRI6$3LQFROOHJHRXORVHRXUAgraveQDQFLDODLG

Maximum Annual and Aggregate Loan Limits

Dependent Students H[FHSWVWXGHQWVZKRVHSDUHQWVDUHXQDEOHWR

REWDLQ386ORDQV

Independent Students DQGGHSHQGHQWXQGHUJUDGXDWHVWXGHQWVwhose parents are unable to obtain

386ORDQV

firstshyyear undergraduate $5500sup31RPRUHWKDQRIWKLVamount may be in subsidized loans

$9500sup31RPRUHWKDQRIWKLVamount may be in subsidized loans

secondshyyear undergraduate



thirdshyyear and Beyond undergraduate

$7500SHUHDUsup31RPRUHWKDQRIthis amount may be in subsidized loans


0D[LPXP7RWDOHEWfrom subsidized and unsubsidized loans


$57500 for undergraduates mdash no more than RIWKLVDPRXQWPDEHLQVXEVLGL]HGloans

Beware RQmiddotWEHEOLQGVLGHG(YHQWKRXJKVWXGHQWVPDTXDOLIIRUWKHWRWDOPD[LPXPORDQDPRXQWHDFKHDURIDQDFDGHPLFOHYHOLHHDUIRUWKHAgraveUVWHDUDWIUHVKPDQOHYHODQGHDUIRUWKHVHFRQGHDUDWIUHVKPDQOHYHOLWLVQRWUHFRPPHQGHGWKHERUURZWKHIXOODPRXQWWKHTXDOLIIRULIWKHUHLVQRWDQLPPHGLDWHQHHG2QFHWKHPD[LPXPWRWDOGHEWIURPORDQVKDVEHHQUHDFKHGIRUDQXQGHUJUDGXDWHGHSHQGHQWVWXGHQWWKHVWXGHQWLVQRORQJHUHOLJLEOHfor more student loans only borrow what you need to cover your remaining tuition books and URRPERDUGDIWHUVFKRODUVKLSVDQGJUDQWVKDYHEHHQDSSOLHG

16

MICHIGAN COLLEGES AND UNIVERSITIES

SeCtIOn III

DIReCtORy OF MICHIGAn COLLeGeS AnD UnIVeRSItIeS Finlandia University (Hancock)

Michigan Technological University (Houghton)

Gogebic Community College

Northern Michigan University

Bay de Noc Community College

Bay Mills Community College

Lake Superior State University

North Central Michigan College

Alpena Community College

Kirtland Community College

West Shore Community College

Saginaw Chippewa Tribal College

Mid Michigan Community College Ferris State

University Central Michigan University

Northwood University Delta College

Saginaw Valley State University Alma College

Montcalm Community

Grand Rapids Area bull Aquinas College bull Calvin College bull Compass College of Cinemac Arts bull Cornerstone University bull Davenport University Grand Rapids bull Grace Bible College bull Grand Rapids Community College bull Grand Valley State University bull Kuyper College

Muskegon Community College

Michigan Career and Technical Instute

Hope College

Lansing Area bull Great Lakes Chrisan College bull Lansing Community College bull Michigan State University

Olivet College

Lake Michigan College

Southwestern Michigan College

Kalamazoo Area bull Kalamazoo College bull Kalamazoo Valley Community College bull Western Michigan University

Andrews University

Glen Oaks Community College

Kellogg Community College

Hillsdale College

Albion College

Spring Arbor University

Jackson College

Cleary University

Adrian College

Monroe County Community College

Rochester Area bull Oakland Community College bull Oakland University bull Rochester College

St Clair County Community College

Flint Area bull Baker College Flint bull Mo Community College bull Keering University bull University of Michigan Flint

Detroit Area bull The Art Instute of Michigan bull College for Creave Studies bull Henry Ford College bull Lawrence Technological University bull Macomb Community College bull Madonna University bull Marygrove College bull Sacred Heart Major Seminary bull Schoolcra College bull University of Detroit Mercy bull University of Michigan Dearborn bull Walsh College bull Wayne County Community College Di strict bull Wayne State University bull Yeshiva Gedolah

Northwestern Michigan College

Siena Heights University Ann Arbor Area bull Concordia University bull Eastern Michigan University bull University of Michigan bull Washtenaw Community College

note some institutions may not participate in every state of Michigan program Branch locations are not listed on this map Contact your institution for details

17

Michigan Four-year Public Universities Institution Web Site Admissions Central Michigan university wwwcmichedu eastern Michigan university wwwemichedu ferris state university wwwferrisedu grand valley state university wwwgvsuedu lake superior state university wwwlssuedu Michigan state university wwwmsuedu Michigan technological university wwwmtuedu northern Michigan university wwwnmuedu oakland university wwwoaklandedu saginaw valley state university wwwsvsuedu university of Michigan ndash Ann Arbor wwwumichedu university of Michigan ndash Dearborn KWWSVXPGHDUERUQHGX university of Michigan ndash flint ZZZXPAacuteLQWHGX Wayne state university wwwwayneedu Western Michigan university wwwwmichedu

Michigan Public Community Colleges Alpena Community College KWWSGLVFRYHUDOSHQDFFHGX Bay de noc Community College wwwbaycollegeedu Bay Mills Community College wwwbmccedu [Delta College wwwdeltaedu glen oaks Community College wwwglenoaksedu gogebic Community College wwwgogebicedu grand rapids Community College wwwgrccedu henry ford College wwwhfccedu Jackson College wwwjccmiedu kalamazoo valley Community College wwwkvccedu kellogg Community College wwwkelloggedu kirtland Community College wwwkirtlandedu lake Michigan College wwwlakemichigancollegeedu lansing Community College wwwlccedu Macomb Community College wwwmacombedu Mid Michigan Community College wwwmidmichedu Monroe County Community College wwwmonroecccedu Montcalm Community College wwwmontcalmedu Mott Community College wwwmccedu Muskegon Community College wwwmuskegonccedu north Central Michigan College wwwncmichedu northwestern Michigan College wwwnmcedu oakland Community College wwwoaklandccedu schoolcraft College wwwschoolcraftedu southwestern Michigan College wwwswmichedu st Clair County Community College ZZZVFHGX Washtenaw Community College wwwwccnetedu Wayne County Community College wwwwcccdedu West shore Community College wwwwestshoreedu

18

Private Colleges and Universities Institution Web Site Admissions Adrian College wwwadrianedu Albion College wwwalbionedu Alma College wwwalmaedu Andrews university wwwandrewsedu $TXLQDVampROOHJH ZZZDTXLQDVHGX the Art institute of Michigan ZZZDUWLQVWLWXWHVHGXGHWURLW Baker College flint wwwbakeredu Calvin College wwwcalvinedu Cleary university wwwclearyedu College for Creative studies wwwcollegeforcreativestudiesedu Compass College of Cinematic Arts wwwcompassedu Concordia university wwwcuaaedu Cornerstone university wwwcornerstoneedu Davenport university wwwdavenportedu finlandia university ZZZAgraveQODQGLDHGX grace Bible College wwwgbcoledu great lakes Christian College wwwglccedu hillsdale College wwwhillsdaleedu hope College wwwhopeedu kalamazoo College wwwkzooedu kettering university wwwketteringedu kuyper College wwwkuyperedu lawrence technological university wwwltuedu Madonna university wwwmadonnaedu Marygrove College wwwmarygroveedu northwood university wwwnorthwoodedu olivet College wwwolivetcollegeedu rochester College wwwrcedu sacred heart Major seminary wwwshmsedu siena heights university wwwsienaheightsedu spring Arbor university wwwarboredu university of Detroit Mercy wwwudmercyedu Walsh College of Accountancy and Business Admin wwwwalshcollegeedu yeshiva gedolah 1$

Special Category Schools tribal Bay Mills Community College wwwbmccedu [saginaw Chippewa Community College wwwsagchipedu Specializing in Students with Disabilities Michigan Career and technical institute ZZZPLFKLJDQJRYPFWL

19

Powered by

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A special thank you to the following for their participation in the formation of this guidebook

holt high school students

Waverly high school students

Mason high school students

sfsB student Assistants

photographer george gasser

graphic Designer heather Case

State Of Michigan


Dear Student







Sincerely



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Cleary University

Adrian College









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Dear Student







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Affording College - Fostering Success...

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