{"id":744,"date":"2012-01-31T09:37:28","date_gmt":"2012-01-31T16:37:28","guid":{"rendered":"https:\/\/laverne.edu\/financial-aid\/?page_id=744"},"modified":"2024-07-03T11:20:14","modified_gmt":"2024-07-03T18:20:14","slug":"financial-literacy","status":"publish","type":"page","link":"https:\/\/laverne.edu\/financial-aid\/financial-literacy\/","title":{"rendered":"Financial Literacy Information"},"content":{"rendered":"<p>The White House defines personal financial literacy as \u201cthe ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being.\u201d<\/p>\n<p>As a college student it is important to know your resources to help you make smart choices for your future.\u00a0 In today\u2019s world, financial literacy has never been more important.\u00a0Financial literacy can cover a variety of topics in your daily life such as: balancing your checkbook,\u00a0paying 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.<\/p>\n<p>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.<\/p>\n<p>Click the link for the <a href=\"https:\/\/laverne.edu\/financial-aid\/wp-content\/uploads\/sites\/9\/2020\/05\/Loan-Indebtedness-Cohort-Default-Rate.pdf\">University of La&nbsp;Verne Loan Indebtedness and Cohort Default Rate\u00a0<\/a><\/p>\n<h2><strong>Prepare For Loan Repayment<\/strong><\/h2>\n<p>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:<\/p>\n<ul>\n<li><a href=\"http:\/\/www.finaid.org\/\" target=\"_blank\" rel=\"noopener noreferrer\">Fin Aid! The SmartStudent Guide to Financial Aid<\/a><\/li>\n<li><a href=\"https:\/\/studentloans.gov\/myDirectLoan\/index.action\" target=\"_blank\" rel=\"noopener noreferrer\">StudentLoans.gov<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/manage-loans\/repayment\/plans\" target=\"_blank\" rel=\"noopener noreferrer\">Repayment Plan Options<\/a><\/li>\n<li><a href=\"https:\/\/studentloans.gov\/myDirectLoan\/mobile\/repayment\/repaymentEstimator.action\" target=\"_blank\" rel=\"noopener noreferrer\">Repayment Calculator<\/a><\/li>\n<li><a href=\"https:\/\/studentloanhero.com\/featured\/the-complete-list-of-student-loan-forgiveness-programs\/\" target=\"_blank\" rel=\"noopener noreferrer\">Student Loan Forgiveness<\/a><\/li>\n<\/ul>\n<h2><strong>Managing Your Student Loans<\/strong><\/h2>\n<p>The National Student Loan Data System (NSLDS) is the U.S. Department of Education\u2019s 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.<\/p>\n<p>At the NSLDS, you\u2019ll find loan details; interest rates; deferment, forbearance, and repayment periods; school, lender, and servicer contracts; and other federal aid programs.<\/p>\n<h2><strong>Balance Your Budget<\/strong><\/h2>\n<p>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.<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><a href=\"https:\/\/www.mymoney.gov\/Pages\/default.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">Government Website for Financial Education Instruction<\/a><\/li>\n<li><a href=\"https:\/\/mappingyourfuture.org\/resources\/\" target=\"_blank\" rel=\"noopener noreferrer\">Manage Your Money Literacy Program<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The White House defines personal financial literacy as \u201cthe ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being.\u201d As a college student it is important to know your resources to help you make smart choices for your future.\u00a0 In today\u2019s world, financial literacy has never been more [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-744","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.8 (Yoast SEO v23.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Financial Literacy Information | Office of Financial Aid<\/title>\n<meta name=\"description\" content=\"Financial literacy can cover a variety of topics in daily life such as balancing your checkbook,\u00a0paying your bills on time, planning and paying for college.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/laverne.edu\/financial-aid\/financial-literacy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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