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Overview of Federal Direct Student Loans

College Planners of America

Federal Direct Loans are government-backed financial aid options provided by the U.S. Education Department (ED) to help students afford the costs of higher education. While the loans are designed to ease educational expenses during college years, many graduates struggle to manage their debt after college.

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IDR Application is Back Up

NCLC Student Loan Borrower Assistance

On March 26, 2025, the Department of Education reopened the online application for Income-Driven Repayment (IDR) plans for federal student loan borrowers. This follows a very stressful period for student loan borrowers. Contact their loan servicer and ask to be placed in a processing forbearance.

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How to Make College More Affordable: Why Early Financial Aid Planning Matters

CFAA College Financial Aid Advisors

The Power of Financial Aid A lot of students dont realize how much financial aid can reduce the cost of college. For example, a student who receives a combination of grants and scholarships could end up paying only a fraction of the total tuition. Now Enrolling: College Financial Aid Advising for the Class of 2026-2027!

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The Essential Guide to Financial Aid for High School Juniors

CFAA College Financial Aid Advisors

One of the biggest questions students and families face is how to pay for higher education. As a junior, there are steps you can take now to set yourself up for financial aid success: Research Scholarships : Many scholarships are available to students in their junior year or earlier. The earlier you start preparing, the better.

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From Junior to Senior Year: Your College Financial Aid Prep Starts Now

CFAA College Financial Aid Advisors

Get Familiar with the FAFSA The FAFSA (Free Application for Federal Student Aid) is your golden ticket to need-based financial aid. Now Enrolling: College Financial Aid Advising for the Class of 2026-2027! Im excited to announce that sign-ups are now open for the next class of college-bound students and returning students!

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FAFSA Made Simple: A Beginner’s Guide for the 2025-2026 Application

CFAA College Financial Aid Advisors

The most important financial document that students will file with their families this fall is the FAFSA, the Free Application for Federal Student Aid. For the 2025-2026 application cycle, the FAFSA will come online in December. You may never know what aid your student can receive! Why Do I Have to File the FAFSA?

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Deciding on Financial Aid Offers: Do You Really Need All Those Loans?

CFAA College Financial Aid Advisors

Receiving a financial aid offer can be both exciting and overwhelming for college-bound students and their families. While grants and scholarships provide much-needed assistance, loans often make up a significant portion of the aid package. Aim to keep your total student loan debt at a reasonable level relative to your expected income.