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Financial Literacy Information

The White House defines personal financial literacy as “the ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being.”

As a college student it is important to know your resources to help you make smart choices for your future.  In today’s world, financial literacy has never been more important. Financial literacy can cover a variety of topics in your daily life such as: balancing your checkbook, paying your bills on time, planning and paying for college. These skills can help you understand on how to make financial decisions and develop good spending habits.

The information offered below is to support you in making some of these financial decisions and to provide you with tips with strategies on how to prepare for loan repayment, manage student loans, and balance your budget.

Prepare For Loan Repayment

It is never too early to begin researching different repayment plans and opportunities to become more knowledgeable. Take advantage of the resources available to you to better prepare for your future:

Managing Your Student Loans

The National Student Loan Data System (NSLDS) is the U.S. Department of Education’s central database for student aid. NSLDS integrates data from schools, guaranty agencies, the Direct Loan Program, and other Department programs so students and parents can manage their federal student loans and grants online.

At the NSLDS, you’ll find loan details; interest rates; deferment, forbearance, and repayment periods; school, lender, and servicer contracts; and other federal aid programs.

Balance Your Budget

Forming good spending habits can help you better manage and save for short term needs like; books, supplies, unexpected expenses, and the upcoming semester. By properly managing money and sticking to a budget, you can save for the future and acquire good spending habits.

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