What is what to do when fafsa is not enough?

When your FAFSA doesn't cover the full cost of college, several options are available:

  • Explore Additional Financial Aid Options: Research and apply for grants and scholarships from various sources, including private organizations, your college, and your community. Websites like Fastweb and College Board offer comprehensive scholarship searches.

  • Consider Federal Student Loans: If eligible, federal student loans, especially subsidized loans, generally offer better interest rates and repayment options compared to private loans.

  • Look into Private Student Loans: Explore private student loan options, but be sure to compare interest rates, repayment terms, and borrower protections carefully.

  • Negotiate with the College: Contact the college's financial aid office to discuss your situation. They may be able to offer additional aid, such as institutional grants or scholarships.

  • Seek Out Work-Study Programs: If you weren't initially offered work-study, inquire if there are any openings. This can provide a part-time job to help cover expenses.

  • Lower Your College Expenses: Consider attending a community college for the first two years before transferring to a four-year university. Look into affordable housing options, such as living with roommates or off-campus housing.

  • Payment Plans: Inquire about payment plans offered by the college. This can help spread out the cost of tuition over several months.

  • Consider a Gap Year: Taking a gap year to work and save money can help reduce the amount you need to borrow.