How To Write Gender Equality Essay Subtopics

<h1>How To Write Gender Equality Essay Subtopics</h1><p>Gender disparity exposition is an examination, with sexual orientation imbalance subtopics. It is required for a degree or post-advanced education in sociologies, human science, or whatever other scholastic field that manages sexual orientation equity issues. Sex disparity is a hotly debated issue in this day and age, and numerous researchers are contemplating it and making their discoveries accessible to the public.</p><p></p><p>The normal words utilized in this field include: equivalent rights, inconsistent rights, ladies' privileges, ladies, women's, reasonableness, sex, prevalence and exploitation. Everybody is a devotee of uniformity, isn't that so? Interestingly, a large number of the issues looked by ladies in the public arena are not equivalent. This is the place it turns out to be imperative to distinguish the contrasts between the two and afterward compose a correspondence pape r to share.</p><p></p><p>In right now, article accommodation has gotten probably the most ideal approaches to enable an essayist to get took note. The Internet has made it workable for any individual who is really committed to distributing their thoughts on the Web and increase most extreme exposure.</p><p></p><p>The sexual orientation imbalance article can be made out of a few sub points like: pregnancy, separate, abusive behavior at home, political force and segregation, and against female and hostile to male segregation. On the off chance that you are intending to compose a correspondence paper for your group, it is prudent to make a sub subject of your decision that will permit your kindred understudies to comprehend what you are attempting to say.</p><p></p><p>Research is the basic factor for making fascinating articles. You can get various sources to inquire about for the sex imbalance subject that you nee d to compose. Notwithstanding, it is savvy to utilize a few online assets for composing such an essay.</p><p></p><p>The explore that you accomplish for your article must be explicit to the pertinence of the points. In the event that the article is intended to show how ladies are mistreated, at that point the data won't be as valuable on the off chance that it doesn't address the other segregation that they need to confront. Consequently, it is energetically suggested that you generally hold the exploration to a solitary focus.</p><p></p><p>When composing a sexual orientation correspondence exposition, a pivotal factor that you ought to consider is to ask yourself, how would you need your paper to be seen by other? Pick the sub subjects that are considered the most applicable to your article, compose an incredible passage depicting the issue, lastly finish up the article with your decision and let it be perused by others.</p>

Complete Step-by-Step Guide on FAFSA How to Get the Most Financial Aid

In the world of financial aid, the Federal Application for Federal Student Aid (FAFSA) is king. So, what is the FAFSA? It is a critical set of forms that determine whether a student is eligible for federal grants and loans, and is used by schools during the crafting of a students financial aid package.If a student doesnt submit their federal student aid FAFSA forms in a timely manner, they might miss out on free money. Why? Because certain kinds of funding are provided on a first-come, first-serve basis. That means, even if a student qualifies, if their application isnt received in time, the money could be gone.Contents1 How Does FAFSA Work?1.1 What is the EFC?1.2 Can You Get Federal Grants for College by Completing the FAFSA?1.3 Is FAFSA a Loan Since You Can Qualify for Federal Student Loans?2 How Do I Qualify for FAFSA?2.1 FAFSA Qualifications2.2 FAFSA Income Limits3 How to Sign Up for FAFSA3.1 FSA ID4 What Do I Need to Fill Out the FAFSA?5 How to Apply for FAFSA5.1 Student Informa tion5.2 School Selection5.3 Dependency Status5.4 Parents Demographics5.5 Financial Information6 How to Complete the FAFSA6.1 Sign and Submit the FAFSA Form7 When to Apply for FAFSA7.1 What is the Deadline for FAFSA?7.2 What to Do if You Miss the School or State FAFSA Deadline?8 How to Get the Most Financial Aid Through the FAFSA (Including Families with Young Students)9 2019-2020 FAFSA CHANGES10 Next Steps After FAFSA for a Debt-Free DegreeClick here to grab a copy of common FAFSA mistakesHow Does FAFSA Work?The FAFSA provides students with access to various funding sources based on specific eligibility requirements. When a student submits an application, their expected family contribution (EFC) is calculated.What is the EFC?The Expected Family Contribute (EFC) is a dollar amount that is calculated after your student completes their FAFSA. Its a reflection of what the system believes your family can afford and is used to determine your students eligibility for a variety of financial aid products, like grants and loans.An EFC is determined based on data from four key areas: parental income and assets (with some exceptions below), and student income and assets.Effectively, each area is used for one calculation on the FAFSA, and then the four results are reviewed together to make a determination.If you want in-depth information on the EFC calculation, the US Department of Educations Federal Student Aid Office has you covered. You can review the information here:The EFC FormulaCan You Get Federal Grants for College by Completing the FAFSA?Yes, students can potentially gain access to federal grants by completing the FAFSA. Often, it is the most coveted for of financial aid.Grants are considered free money (meaning you dont have to pay it back!) that can be used for a range of educational expenses including tuition and books. For your student to receive a grant, you must meet certain criteria like falling below certain FAFSA income limits based on your family size.I s FAFSA a Loan Since You Can Qualify for Federal Student Loans?While the FAFSA can make a student eligible for federal student loans, the FAFSA itself is not a loan application. Instead, it determines whether students qualify for specific kinds of financial aid, including grants and loans.Federal student loans are not free money, as they have to be paid back in accordance with your loan agreement. However, the interest rates are typically lower than the student loans you can find through traditional lenders, like banks and credit unions.Federal student loans come in two forms:subsidized and unsubsidized. Subsidized loans offer better terms including:No interest while your student is enrolled in school at least half-timeNo interest during the six-month grace period after your student leaves schoolNo interest during a period of defermentUnsubsidized loans do not provide any of the no interest benefits offered by subsidized loans, making them more costly over the long-term. While subsi dized loans are need-based awards, families that do not qualify for grants can still often qualify for at least this type of loan which saves students tens of thousands of dollars.Unsubsidized loans can be available without having to demonstrate financial need.The interest rates for subsidized and unsubsidized federal student loans are set by the government, so you dont have to shop around to find the best deal. For loans disbursed between July 1, 2018, and July 1, 2019, the interest rates are 5.05 percent for direct subsidized loans for undergraduates and 5.05 for direct unsubsidized loans for undergraduates. These rates are subject to change for new loans issued after July 1, 2019, but this does not affect the interest rates on loans that have already been issued.How Do I Qualify for FAFSA?If youre wondering who qualifies for FAFSA, the answer is practically everyone attending a college in the US, including citizens (usually anyone with a Social Security number) and eligible non-c itizens.FAFSA QualificationsHere is a complete list of FAFSA eligibility requirements for federal student aid as set by the Department of Education:Be a citizen or eligible noncitizen of the United States.Have a valid Social Security Number. (Students from the Republic of the Marshall Islands, Federated States of Micronesia, and the Republic of Palau are exempt from this requirement.)Have a high school diploma or a General Education Development (GED) certificate, or have completed homeschooling. If you dont, you may still be eligible for federal student aid if you were enrolled in college or career school prior to July 1, 2012. Go to https://studentaid.ed.gov/eligibility/basic-criteria for additional information.Be enrolled in an eligible program as a regular student seeking a degree or certificate.Maintain satisfactory academic progress.Not owe a refund on a federal student grant or be in default on a federal student loan.Register (or already be registered) with the Selective Servi ce System, if you are a male and not currently on active duty in the U.S. Armed Forces. (Students from the Federated States of Micronesia, the Republic of the Marshall Islands and the Republic of Palau are exempt from registering; see https://sss.gov for more information.)Not have a conviction for the possession or sale of illegal drugs for an offense that occurred while you were receiving federal student aid (such as grants, work-study, or loans). If you have such a conviction, you must complete the Student Aid Eligibility Worksheet to determine if you are eligible for aid or partially eligible for aid.For specific kinds of federal financial aid, there can be additional requirements, such as falling within specific income limits. However, those are not a requirement for completing the FAFSA itself.FAFSA Income LimitsThere is no income limit for completing the FAFSA, so anyone who otherwise is eligible can (and should!) complete the application.However, a students income (or their f amily income, if they are a dependent) may limit their access to specific kinds of aid, such as whether they can receive a Federal Pell Grant to help pay for college.How to Sign Up for FAFSATo sign up for the FAFSA, your student needs to either head over to https://studentaid.ed.gov/sa/fafsa or download the Android or iOS app, myStudentAid.This gives your student access to the FAFSA forms, allowing them to apply for financial aid.FSA IDIdeally, your student should create a FSA ID before they complete their FAFSA for the first time. This is a unique username and password that allows them to sign their FAFSA electronically as well as access certain information online or through the app.However, a FSA ID can also be created later in the process when they complete their first FSA. So, if they have already started on their application this year, they arent in a bad spot.Parents also need to create FSA IDs if they want to sign any forms electronically. Its important to note that parents m ust have a Social Security number to be eligible for an FSA ID.What Do I Need to Fill Out the FAFSA?To fill out the FAFSA properly, your student is going to need a lot of information. Plus, if they are a dependent, they dont just need specific documents that cover their situation, but their parents as well.Usually, students need the following to complete the FAFSA:Social Security Number(s)Drivers License or Government-Issued ID NumberAlien Registration Number (for non-US citizens)Federal Tax Returns and W-2sBank StatementsInvestment RecordsUntaxed Income Records (child support, interest income, veterans non-education benefits, etc.)With the right documents available, it takes around 30 minutes to complete the FAFSA first time. Each year after, the process tends to be quicker, as certain information can carry over from one year to the next.How to Apply for FAFSACompleting the FAFSA is a pretty easy process. It can be done online at: https://studentaid.ed.gov/sa/fafsaAlternatively, th ere is also an app for Android and iOS called myStudentAid, that allows students to use mobile devices.Once your student accesses the FAFSA, the process is incredibly straight forward. The application is broken into simple steps, ensuring that nothing important is overlooked.Student InformationThe first section your student will need to complete covers information about their identity, like their name, birth date, and Social Security number. But, if they already have an FSA ID, most of the information will be prepopulated, saving them a substantial amount of time.In most cases, the questions in this section are very straightforward, so they shouldnt run into too many difficulties here. However, there are a lot of them, so it can take a little time.School SelectionSome students find the FAFSA form school selection page intimidating, particularly if they havent officially been accepted to a particular institution. But, whats important to remember, is they can send their FAFSA details to any school, regardless of whether they have been accepted or even applied.Worst case, it is wise to have your student add every school they are considering, as any college they dont end up attending will securely discard the information. Plus, the schools cant see where else your student sent their FAFSA, so theres no risk there either.Your student can add up to 10 schools at a time, and the handy search tool makes it a breeze as long as your student knows the state where the college is located and either the city or the schools name.Dependency StatusThe dependency status section establishes whether your student needs to submit tax information for their parents on their FAFSA form or are considered an independent student based on guidelines set by Congress.Most of the questions are incredibly simple, and your student only needs to select yes or no based on their current situation.Its important to note that your students dependency status for their FAFSA form may differ from that assigned by the IRS for tax purposes. That means the two may not match, so its best not to assume that their tax status automatically applies for their FAFSA.Parents DemographicsThe FAFSA form does contain demographic questions regarding the students parents (yes, that potentially means you), and they do have to be completed even if your student doesnt live with their parents.Again, the information is fairly basic, including items like names, birth dates, Social Security numbers (if applicable), and marital status.An important note is that the students parents are determined based on legal status as guardians, so biological or adoptive parents, as well as legal guardians, may be classified as parents for the purpose of completing the FAFSA form. More information can be found here: Parents on FAFSA FormIf your student has special circumstances that prevents them from providing certain information, additional guidance can be found here: Special Circumstances InstructionsFinancial Info rmationGenerally, the financial information section is the one that causes people the most fear, but it isnt as complicated as it seems.First, the IRS Data Retrieval Tool, accessed through the Link to IRS button, can populate a lot of the information in just a few clicks, so its worth using if your student is eligible. Theyll just need to connect to the IRS system, providing details from the tax filing, check the Transfer My Tax Information into the FAFSA form box, and click Transfer Now. If successful, theyll receive a confirmation message on the FAFSA site.Otherwise, the information can be entered manually, referencing the tax return they should have on hand and any additional financial documents that may be required.How to Complete the FAFSAOnce all of the information is recorded, its time to sign and submit their FAFSA form. That will complete the application process.Sign and Submit the FAFSA FormFor independent students, they can do this on their own. However, dependent student s also need their parents to sign the form to go through.The electronic signature is based on the use of each persons FSA ID. If your student completes their FAFSA in one sitting, they wont have to provide their FSA ID details again to complete the process. Essentially, they can just click submit and send it on its way.Parents will need to enter their FSA ID and identify as Parent 1 or Parent 2 in a drop-down menu, depending on how they were listed on the application.Once everyone has electronically signed, your student should be all set, and their FAFSA will start processing. Your student can monitor the progress of their FAFSA by logging into fafsa.gov, and the schools they selected will automatically get the information, allowing them to use it to build financial aid packages if your student is selected for admission.In the end, completing the FAFSA is actually pretty easy, and its definitely a must-do for every college student.And remember, the FAFSA form must be completed EVERY YEAR, so make sure your student puts it on their schedule to get it handle when the next years application period opens.When to Apply for FAFSACurrently, you can begin submitting FAFSA applications on October 1 for the next school year. For example, October 1, 2019, was the first day for applications for the 2020-2021 school year.Ideally, you want to complete the FAFSA as quickly as possible once applications are being accepted. Many awards are given on a first-come, first-serve basis, so getting in early can be incredibly beneficial.What is the Deadline for FAFSA?The federal FAFSA application deadline provides students with a TON of time to complete their FAFSA for each academic year. For example, for the 2020-2021 school year, students actually have from October 1, 2019 until June 30, 2021 to submit the FAFSA.However, the federal deadline doesnt completely answer this important question: When is FAFSA due?While most people mistakenly assume that the federal deadline is the only o ne that matters, that simply isnt true. States also have their own deadlinesfor certain financial awards and need your students FAFSA information on or before that date if they are going to be eligible. And these deadlines are all over the place.For example, in Delaware, that deadline is April 15, 2020. In Idaho, for priority consideration, students need to submit their FAFSA by March 1, 2020.Some states, like North Carolina, dont have a specific FAFSA due date. Instead, they recommend completing the FAFSA as soon as possible after October 1, 2019, as they will award funds until they are gone, which can happen at any time.Additionally, schools may also set their own FAFSA deadline, making it even more confusing. If your student wants to be considered for institutional awards through their college, then they need to submit their FAFSAs before those dates.Ideally, your student should take a moment and confirm deadlines set by both their state and school, and not just rely on the feder al one.What to Do if You Miss the School or State FAFSA Deadline?If your student missed the state or school FAFSA deadline, all is not lost. It wont necessarily affect their ability to be accepted, but it can mean they missed out on valuable aid funds.However, it is important to have them finish their FAFSA as quickly as possible. Why? Because there could still be aid money out there. Often, the deadline establishes priority amongst applicants but, if all of the funds arent awarded, late applicants might get a second chance.While it isnt wise to count on funds being left over, as it is highly possible that wont be the case, it does mean that the faster your student gets their hat tossed in the ring, the bigger the chance that it isnt actually too late.You can also reach out to your students financial aid office to see if they have any flexibility or funds leftover. You may be pleasantly surprised with how helpful they can be.How to Get the Most Financial Aid Through the FAFSA (Inclu ding Families with Young Students)While it may seem as though you have little control regarding how these calculations unfold, the opposite is actually true.There are strategies that allow you to maximize the FAFSA results, making it easier for your student to receive need-based awards.Please note: We are not financial advisors and recommend running these by your certified financial planner, CPA or another financial expert for verification.Here are a few suggestions to get you started.1. AVOID WITHDRAWING FROM RETIREMENT FUNDSDistributions from Traditional IRAs and 401Ks are treated as taxable income by the FAFSA, which means your EFC will increase and your students eligibility for aid will decrease.If you must use your retirement savings for any purpose, look into loans that are backed by your retirement account instead. Loans are not treated as income, so it wont impact the FAFSA. Or you can make the withdrawal prior to the year that will be used for their FAFSA.As a note, Roth IR As distributions are treated differently on the FAFSA, so the above rules dont apply.2. MAXIMIZE YOUR RETIREMENT SAVINGSHome equity, retirement savings, and even some small businesses are typically excluded when it comes to FAFSA.This means that traditional IRA and 401K contributions reduce the amount of income that is included in the FAFSA calculation, making it easier to get need-based aid. They are also tax-deductible, so maxing out your savings before the end of the tax year (December of your studentssophomore year) can be beneficial.3. TRANSFER YOUR STUDENTS SAVINGS TO YOUR ACCOUNTSDid you know that the FAFSA assesses your students assets at a higher rate than yours? Many parents dont realize this, and the rate difference is substantial. This means that transferring your students savings into your account before their second semester of their junior year can result in a lower EFC, so it can be a wise move. If the money wont be needed until later, some parents put the cash into a CD under their own name.4. USE SAVINGS TO PAY DOWN DEBTWhile having money in the bank is generally considered a good thing, it actually hurts your student when it comes time to file their FAFSA. While you dont want to throw money out the window or spend it recklessly, if you have debt, then using your savings to pay it down can be beneficial for two reasons. First, you reduce your debt load, letting you pay less interest over time. Second, it means the cash wont play a role in determining your students EFC (typically increasing it).Typically, you will first want to make sure that any savings you use is earning less interest in that account than you are paying on the debts you will pay down as this ensures you are getting the most value from the decision.5. OPEN A 529 COLLEGE SAVINGS PLANAnother option for lowering your EFC is to transfer some savings (yours or your students) into a 529 college savings plan. All assets in a 529 are calculated at the parental asset rate, and any dis tributions do not affect your students eligibility for financial aid.6. MAKE MAJOR CASH PURCHASES BEFORE FILING THE FAFSAIf you have a major cash purchase on the horizon, complete it before your student completes their FAFSA. Again, this helps lower the amount of any savings you have, ensuring the funds arent part of the EFC calculation.If the cash purchase is for your students education, and they have savings that cant be transferred to your account, then consider having them spend their money first, since their assets are calculated at a higher rate.7. DONT LIMIT YOUR HOUSEHOLD TO ONE COLLEGE STUDENT AT A TIMEWhile the idea of two (or more) family members being in college simultaneously may seem intimidating, it actually helps when it comes time to file a FAFSA.Why? Because the EFC applies to your entire family, not just the individual student. For example, if your EFC is $20,000 and you have two children in college, then half of that amount (or $10,000 a piece) is typically assoc iated with each student in the eyes of school. That means both of your children may cumulatively receive more in their financial aid packages than one of them would get if they are the only college student.And, the two students dont have to be siblings to fall under one EFC on the FAFSA! For example, if you went to college at the same time as your student, that counts too. So, if you were thinking of heading to school, it could be a great time to take the leap.8. UNDERSTAND EFCS CHANGE EVERY YEARIts important to note that your students EFC (Expected Family Contribution) will change every year based on their latest FAFSA information, so changes to income or savings levels can impact their financial aid throughout their college career.That means, not only is it important to start planning for their first FAFSA, but its also important to make wise choices all the way through their final FAFSA filing. That way, your EFC can stay as low as possible, and you can help increase your student s odds of graduating debt free.2019-2020 FAFSA CHANGESThis season, FAFSA has created a new tool to help ease the application process; a new mobile app called myStudentAid. The app is available for iOS and Android and helps give students and families access to the application on the go!Not only is this app an option for applying for the FAFSA, but is a great resource for current college students to check their aid totals. Parents and students can also chat within the app, keeping all your conversations about financial aid organized.While you can apply for FAFSA using the app, we suggest that high school seniors and first-time FAFSA users use the traditional desktop version of the FAFSA to apply. It is important to fully understand each question, and the desktop version allows for a broader view of the application.Finally, FAFSA rolled out a few interfaces changes on their website. If you are returning to apply for FAFSA again, youll notice that the home page has a new layout, designe d to direct you to the correct FAFSA application. Within the forms, there is one color formatting change to be aware of. In the past, student and parent information have been highlighted in 2 different colors. Now, each page uses the same navy blue color. Be extra vigilant while youre applying that you answer questions based on student and parent in the correct sections!In the end, completing the FAFSA is actually pretty easy, and its definitely a must-do for every college student.And remember, the FAFSA form must be completed EVERY YEAR, so make sure your child puts it on their schedule to get it handle when the next years application period opens.Click here to grab a copy of common FAFSA mistakesNext Steps After FAFSA for a Debt-Free DegreeOnce your FAFSA is completed, take a break but not for too long. Its time to apply for scholarships. Believe it or not, scholarship applications are open all-year-round, however, they begin as early as September for the following school year (ye s, 12 months ahead of when the money will be used!)If you want to learn our strategies on how to secure scholarships, including how I secured 6-figures in scholarships, join me for my next free online training at http://www.thescholarshipsystem.com/freewebinar.You can also read more about the best time to apply for scholarships here: When Your Child Should Apply for Scholarships.Lastly, you can also join our new FREE Facebook community, Debt-Free Degree Strategies, where you can ask questions about different strategies for a debt-free degree. We also periodically hold free trainings in the group. Request to join here:https://www.facebook.com/groups/PayingForCollegeStrategies. See you there! Complete Step-by-Step Guide on FAFSA How to Get the Most Financial Aid In the world of financial aid, the Federal Application for Federal Student Aid (FAFSA) is king. So, what is the FAFSA? It is a critical set of forms that determine whether a student is eligible for federal grants and loans, and is used by schools during the crafting of a students financial aid package.If a student doesnt submit their federal student aid FAFSA forms in a timely manner, they might miss out on free money. Why? Because certain kinds of funding are provided on a first-come, first-serve basis. That means, even if a student qualifies, if their application isnt received in time, the money could be gone.Contents1 How Does FAFSA Work?1.1 What is the EFC?1.2 Can You Get Federal Grants for College by Completing the FAFSA?1.3 Is FAFSA a Loan Since You Can Qualify for Federal Student Loans?2 How Do I Qualify for FAFSA?2.1 FAFSA Qualifications2.2 FAFSA Income Limits3 How to Sign Up for FAFSA3.1 FSA ID4 What Do I Need to Fill Out the FAFSA?5 How to Apply for FAFSA5.1 Student Informa tion5.2 School Selection5.3 Dependency Status5.4 Parents Demographics5.5 Financial Information6 How to Complete the FAFSA6.1 Sign and Submit the FAFSA Form7 When to Apply for FAFSA7.1 What is the Deadline for FAFSA?7.2 What to Do if You Miss the School or State FAFSA Deadline?8 How to Get the Most Financial Aid Through the FAFSA (Including Families with Young Students)9 2019-2020 FAFSA CHANGES10 Next Steps After FAFSA for a Debt-Free DegreeClick here to grab a copy of common FAFSA mistakesHow Does FAFSA Work?The FAFSA provides students with access to various funding sources based on specific eligibility requirements. When a student submits an application, their expected family contribution (EFC) is calculated.What is the EFC?The Expected Family Contribute (EFC) is a dollar amount that is calculated after your student completes their FAFSA. Its a reflection of what the system believes your family can afford and is used to determine your students eligibility for a variety of financial aid products, like grants and loans.An EFC is determined based on data from four key areas: parental income and assets (with some exceptions below), and student income and assets.Effectively, each area is used for one calculation on the FAFSA, and then the four results are reviewed together to make a determination.If you want in-depth information on the EFC calculation, the US Department of Educations Federal Student Aid Office has you covered. You can review the information here:The EFC FormulaCan You Get Federal Grants for College by Completing the FAFSA?Yes, students can potentially gain access to federal grants by completing the FAFSA. Often, it is the most coveted for of financial aid.Grants are considered free money (meaning you dont have to pay it back!) that can be used for a range of educational expenses including tuition and books. For your student to receive a grant, you must meet certain criteria like falling below certain FAFSA income limits based on your family size.I s FAFSA a Loan Since You Can Qualify for Federal Student Loans?While the FAFSA can make a student eligible for federal student loans, the FAFSA itself is not a loan application. Instead, it determines whether students qualify for specific kinds of financial aid, including grants and loans.Federal student loans are not free money, as they have to be paid back in accordance with your loan agreement. However, the interest rates are typically lower than the student loans you can find through traditional lenders, like banks and credit unions.Federal student loans come in two forms:subsidized and unsubsidized. Subsidized loans offer better terms including:No interest while your student is enrolled in school at least half-timeNo interest during the six-month grace period after your student leaves schoolNo interest during a period of defermentUnsubsidized loans do not provide any of the no interest benefits offered by subsidized loans, making them more costly over the long-term. While subsi dized loans are need-based awards, families that do not qualify for grants can still often qualify for at least this type of loan which saves students tens of thousands of dollars.Unsubsidized loans can be available without having to demonstrate financial need.The interest rates for subsidized and unsubsidized federal student loans are set by the government, so you dont have to shop around to find the best deal. For loans disbursed between July 1, 2018, and July 1, 2019, the interest rates are 5.05 percent for direct subsidized loans for undergraduates and 5.05 for direct unsubsidized loans for undergraduates. These rates are subject to change for new loans issued after July 1, 2019, but this does not affect the interest rates on loans that have already been issued.How Do I Qualify for FAFSA?If youre wondering who qualifies for FAFSA, the answer is practically everyone attending a college in the US, including citizens (usually anyone with a Social Security number) and eligible non-c itizens.FAFSA QualificationsHere is a complete list of FAFSA eligibility requirements for federal student aid as set by the Department of Education:Be a citizen or eligible noncitizen of the United States.Have a valid Social Security Number. (Students from the Republic of the Marshall Islands, Federated States of Micronesia, and the Republic of Palau are exempt from this requirement.)Have a high school diploma or a General Education Development (GED) certificate, or have completed homeschooling. If you dont, you may still be eligible for federal student aid if you were enrolled in college or career school prior to July 1, 2012. Go to https://studentaid.ed.gov/eligibility/basic-criteria for additional information.Be enrolled in an eligible program as a regular student seeking a degree or certificate.Maintain satisfactory academic progress.Not owe a refund on a federal student grant or be in default on a federal student loan.Register (or already be registered) with the Selective Servi ce System, if you are a male and not currently on active duty in the U.S. Armed Forces. (Students from the Federated States of Micronesia, the Republic of the Marshall Islands and the Republic of Palau are exempt from registering; see https://sss.gov for more information.)Not have a conviction for the possession or sale of illegal drugs for an offense that occurred while you were receiving federal student aid (such as grants, work-study, or loans). If you have such a conviction, you must complete the Student Aid Eligibility Worksheet to determine if you are eligible for aid or partially eligible for aid.For specific kinds of federal financial aid, there can be additional requirements, such as falling within specific income limits. However, those are not a requirement for completing the FAFSA itself.FAFSA Income LimitsThere is no income limit for completing the FAFSA, so anyone who otherwise is eligible can (and should!) complete the application.However, a students income (or their f amily income, if they are a dependent) may limit their access to specific kinds of aid, such as whether they can receive a Federal Pell Grant to help pay for college.How to Sign Up for FAFSATo sign up for the FAFSA, your student needs to either head over to https://studentaid.ed.gov/sa/fafsa or download the Android or iOS app, myStudentAid.This gives your student access to the FAFSA forms, allowing them to apply for financial aid.FSA IDIdeally, your student should create a FSA ID before they complete their FAFSA for the first time. This is a unique username and password that allows them to sign their FAFSA electronically as well as access certain information online or through the app.However, a FSA ID can also be created later in the process when they complete their first FSA. So, if they have already started on their application this year, they arent in a bad spot.Parents also need to create FSA IDs if they want to sign any forms electronically. Its important to note that parents m ust have a Social Security number to be eligible for an FSA ID.What Do I Need to Fill Out the FAFSA?To fill out the FAFSA properly, your student is going to need a lot of information. Plus, if they are a dependent, they dont just need specific documents that cover their situation, but their parents as well.Usually, students need the following to complete the FAFSA:Social Security Number(s)Drivers License or Government-Issued ID NumberAlien Registration Number (for non-US citizens)Federal Tax Returns and W-2sBank StatementsInvestment RecordsUntaxed Income Records (child support, interest income, veterans non-education benefits, etc.)With the right documents available, it takes around 30 minutes to complete the FAFSA first time. Each year after, the process tends to be quicker, as certain information can carry over from one year to the next.How to Apply for FAFSACompleting the FAFSA is a pretty easy process. It can be done online at: https://studentaid.ed.gov/sa/fafsaAlternatively, th ere is also an app for Android and iOS called myStudentAid, that allows students to use mobile devices.Once your student accesses the FAFSA, the process is incredibly straight forward. The application is broken into simple steps, ensuring that nothing important is overlooked.Student InformationThe first section your student will need to complete covers information about their identity, like their name, birth date, and Social Security number. But, if they already have an FSA ID, most of the information will be prepopulated, saving them a substantial amount of time.In most cases, the questions in this section are very straightforward, so they shouldnt run into too many difficulties here. However, there are a lot of them, so it can take a little time.School SelectionSome students find the FAFSA form school selection page intimidating, particularly if they havent officially been accepted to a particular institution. But, whats important to remember, is they can send their FAFSA details to any school, regardless of whether they have been accepted or even applied.Worst case, it is wise to have your student add every school they are considering, as any college they dont end up attending will securely discard the information. Plus, the schools cant see where else your student sent their FAFSA, so theres no risk there either.Your student can add up to 10 schools at a time, and the handy search tool makes it a breeze as long as your student knows the state where the college is located and either the city or the schools name.Dependency StatusThe dependency status section establishes whether your student needs to submit tax information for their parents on their FAFSA form or are considered an independent student based on guidelines set by Congress.Most of the questions are incredibly simple, and your student only needs to select yes or no based on their current situation.Its important to note that your students dependency status for their FAFSA form may differ from that assigned by the IRS for tax purposes. That means the two may not match, so its best not to assume that their tax status automatically applies for their FAFSA.Parents DemographicsThe FAFSA form does contain demographic questions regarding the students parents (yes, that potentially means you), and they do have to be completed even if your student doesnt live with their parents.Again, the information is fairly basic, including items like names, birth dates, Social Security numbers (if applicable), and marital status.An important note is that the students parents are determined based on legal status as guardians, so biological or adoptive parents, as well as legal guardians, may be classified as parents for the purpose of completing the FAFSA form. More information can be found here: Parents on FAFSA FormIf your student has special circumstances that prevents them from providing certain information, additional guidance can be found here: Special Circumstances InstructionsFinancial Info rmationGenerally, the financial information section is the one that causes people the most fear, but it isnt as complicated as it seems.First, the IRS Data Retrieval Tool, accessed through the Link to IRS button, can populate a lot of the information in just a few clicks, so its worth using if your student is eligible. Theyll just need to connect to the IRS system, providing details from the tax filing, check the Transfer My Tax Information into the FAFSA form box, and click Transfer Now. If successful, theyll receive a confirmation message on the FAFSA site.Otherwise, the information can be entered manually, referencing the tax return they should have on hand and any additional financial documents that may be required.How to Complete the FAFSAOnce all of the information is recorded, its time to sign and submit their FAFSA form. That will complete the application process.Sign and Submit the FAFSA FormFor independent students, they can do this on their own. However, dependent student s also need their parents to sign the form to go through.The electronic signature is based on the use of each persons FSA ID. If your student completes their FAFSA in one sitting, they wont have to provide their FSA ID details again to complete the process. Essentially, they can just click submit and send it on its way.Parents will need to enter their FSA ID and identify as Parent 1 or Parent 2 in a drop-down menu, depending on how they were listed on the application.Once everyone has electronically signed, your student should be all set, and their FAFSA will start processing. Your student can monitor the progress of their FAFSA by logging into fafsa.gov, and the schools they selected will automatically get the information, allowing them to use it to build financial aid packages if your student is selected for admission.In the end, completing the FAFSA is actually pretty easy, and its definitely a must-do for every college student.And remember, the FAFSA form must be completed EVERY YEAR, so make sure your student puts it on their schedule to get it handle when the next years application period opens.When to Apply for FAFSACurrently, you can begin submitting FAFSA applications on October 1 for the next school year. For example, October 1, 2019, was the first day for applications for the 2020-2021 school year.Ideally, you want to complete the FAFSA as quickly as possible once applications are being accepted. Many awards are given on a first-come, first-serve basis, so getting in early can be incredibly beneficial.What is the Deadline for FAFSA?The federal FAFSA application deadline provides students with a TON of time to complete their FAFSA for each academic year. For example, for the 2020-2021 school year, students actually have from October 1, 2019 until June 30, 2021 to submit the FAFSA.However, the federal deadline doesnt completely answer this important question: When is FAFSA due?While most people mistakenly assume that the federal deadline is the only o ne that matters, that simply isnt true. States also have their own deadlinesfor certain financial awards and need your students FAFSA information on or before that date if they are going to be eligible. And these deadlines are all over the place.For example, in Delaware, that deadline is April 15, 2020. In Idaho, for priority consideration, students need to submit their FAFSA by March 1, 2020.Some states, like North Carolina, dont have a specific FAFSA due date. Instead, they recommend completing the FAFSA as soon as possible after October 1, 2019, as they will award funds until they are gone, which can happen at any time.Additionally, schools may also set their own FAFSA deadline, making it even more confusing. If your student wants to be considered for institutional awards through their college, then they need to submit their FAFSAs before those dates.Ideally, your student should take a moment and confirm deadlines set by both their state and school, and not just rely on the feder al one.What to Do if You Miss the School or State FAFSA Deadline?If your student missed the state or school FAFSA deadline, all is not lost. It wont necessarily affect their ability to be accepted, but it can mean they missed out on valuable aid funds.However, it is important to have them finish their FAFSA as quickly as possible. Why? Because there could still be aid money out there. Often, the deadline establishes priority amongst applicants but, if all of the funds arent awarded, late applicants might get a second chance.While it isnt wise to count on funds being left over, as it is highly possible that wont be the case, it does mean that the faster your student gets their hat tossed in the ring, the bigger the chance that it isnt actually too late.You can also reach out to your students financial aid office to see if they have any flexibility or funds leftover. You may be pleasantly surprised with how helpful they can be.How to Get the Most Financial Aid Through the FAFSA (Inclu ding Families with Young Students)While it may seem as though you have little control regarding how these calculations unfold, the opposite is actually true.There are strategies that allow you to maximize the FAFSA results, making it easier for your student to receive need-based awards.Please note: We are not financial advisors and recommend running these by your certified financial planner, CPA or another financial expert for verification.Here are a few suggestions to get you started.1. AVOID WITHDRAWING FROM RETIREMENT FUNDSDistributions from Traditional IRAs and 401Ks are treated as taxable income by the FAFSA, which means your EFC will increase and your students eligibility for aid will decrease.If you must use your retirement savings for any purpose, look into loans that are backed by your retirement account instead. Loans are not treated as income, so it wont impact the FAFSA. Or you can make the withdrawal prior to the year that will be used for their FAFSA.As a note, Roth IR As distributions are treated differently on the FAFSA, so the above rules dont apply.2. MAXIMIZE YOUR RETIREMENT SAVINGSHome equity, retirement savings, and even some small businesses are typically excluded when it comes to FAFSA.This means that traditional IRA and 401K contributions reduce the amount of income that is included in the FAFSA calculation, making it easier to get need-based aid. They are also tax-deductible, so maxing out your savings before the end of the tax year (December of your studentssophomore year) can be beneficial.3. TRANSFER YOUR STUDENTS SAVINGS TO YOUR ACCOUNTSDid you know that the FAFSA assesses your students assets at a higher rate than yours? Many parents dont realize this, and the rate difference is substantial. This means that transferring your students savings into your account before their second semester of their junior year can result in a lower EFC, so it can be a wise move. If the money wont be needed until later, some parents put the cash into a CD under their own name.4. USE SAVINGS TO PAY DOWN DEBTWhile having money in the bank is generally considered a good thing, it actually hurts your student when it comes time to file their FAFSA. While you dont want to throw money out the window or spend it recklessly, if you have debt, then using your savings to pay it down can be beneficial for two reasons. First, you reduce your debt load, letting you pay less interest over time. Second, it means the cash wont play a role in determining your students EFC (typically increasing it).Typically, you will first want to make sure that any savings you use is earning less interest in that account than you are paying on the debts you will pay down as this ensures you are getting the most value from the decision.5. OPEN A 529 COLLEGE SAVINGS PLANAnother option for lowering your EFC is to transfer some savings (yours or your students) into a 529 college savings plan. All assets in a 529 are calculated at the parental asset rate, and any dis tributions do not affect your students eligibility for financial aid.6. MAKE MAJOR CASH PURCHASES BEFORE FILING THE FAFSAIf you have a major cash purchase on the horizon, complete it before your student completes their FAFSA. Again, this helps lower the amount of any savings you have, ensuring the funds arent part of the EFC calculation.If the cash purchase is for your students education, and they have savings that cant be transferred to your account, then consider having them spend their money first, since their assets are calculated at a higher rate.7. DONT LIMIT YOUR HOUSEHOLD TO ONE COLLEGE STUDENT AT A TIMEWhile the idea of two (or more) family members being in college simultaneously may seem intimidating, it actually helps when it comes time to file a FAFSA.Why? Because the EFC applies to your entire family, not just the individual student. For example, if your EFC is $20,000 and you have two children in college, then half of that amount (or $10,000 a piece) is typically assoc iated with each student in the eyes of school. That means both of your children may cumulatively receive more in their financial aid packages than one of them would get if they are the only college student.And, the two students dont have to be siblings to fall under one EFC on the FAFSA! For example, if you went to college at the same time as your student, that counts too. So, if you were thinking of heading to school, it could be a great time to take the leap.8. UNDERSTAND EFCS CHANGE EVERY YEARIts important to note that your students EFC (Expected Family Contribution) will change every year based on their latest FAFSA information, so changes to income or savings levels can impact their financial aid throughout their college career.That means, not only is it important to start planning for their first FAFSA, but its also important to make wise choices all the way through their final FAFSA filing. That way, your EFC can stay as low as possible, and you can help increase your student s odds of graduating debt free.2019-2020 FAFSA CHANGESThis season, FAFSA has created a new tool to help ease the application process; a new mobile app called myStudentAid. The app is available for iOS and Android and helps give students and families access to the application on the go!Not only is this app an option for applying for the FAFSA, but is a great resource for current college students to check their aid totals. Parents and students can also chat within the app, keeping all your conversations about financial aid organized.While you can apply for FAFSA using the app, we suggest that high school seniors and first-time FAFSA users use the traditional desktop version of the FAFSA to apply. It is important to fully understand each question, and the desktop version allows for a broader view of the application.Finally, FAFSA rolled out a few interfaces changes on their website. If you are returning to apply for FAFSA again, youll notice that the home page has a new layout, designe d to direct you to the correct FAFSA application. Within the forms, there is one color formatting change to be aware of. In the past, student and parent information have been highlighted in 2 different colors. Now, each page uses the same navy blue color. Be extra vigilant while youre applying that you answer questions based on student and parent in the correct sections!In the end, completing the FAFSA is actually pretty easy, and its definitely a must-do for every college student.And remember, the FAFSA form must be completed EVERY YEAR, so make sure your child puts it on their schedule to get it handle when the next years application period opens.Click here to grab a copy of common FAFSA mistakesNext Steps After FAFSA for a Debt-Free DegreeOnce your FAFSA is completed, take a break but not for too long. Its time to apply for scholarships. Believe it or not, scholarship applications are open all-year-round, however, they begin as early as September for the following school year (ye s, 12 months ahead of when the money will be used!)If you want to learn our strategies on how to secure scholarships, including how I secured 6-figures in scholarships, join me for my next free online training at http://www.thescholarshipsystem.com/freewebinar.You can also read more about the best time to apply for scholarships here: When Your Child Should Apply for Scholarships.Lastly, you can also join our new FREE Facebook community, Debt-Free Degree Strategies, where you can ask questions about different strategies for a debt-free degree. We also periodically hold free trainings in the group. Request to join here:https://www.facebook.com/groups/PayingForCollegeStrategies. See you there!

Essay Writing For 7th Graders

<h1>Essay Writing For seventh Graders</h1><p>An intriguing actuality is that the paper composing for seventh graders is considerably more troublesome than the article composing for senior high understudies. This article gives tips to assist you with composing a top notch paper for your seventh grader.</p><p></p><p>There are numerous approaches to assist you with getting ready for your exposition composing for seventh graders. One of the manners in which you can do this is by doing research about what to compose and why you need to compose it. You should realize what themes you need to cover in your article before you start writing.</p><p></p><p>Another approach to assist you with getting ready is to ensure you comprehend the point altogether. This implies you should peruse a great deal about the point with the goal that you know precisely what you will expound on. Ensure you comprehend the primary concerns of the theme and give a valiant effort to communicate the information you have gained.</p><p></p><p>The last approach to assist you with getting ready for exposition composing for seventh graders is to ensure you utilize all the information you have from secondary school. This implies you ought to have the most ideal aptitudes and information. You ought to have the option to make an argumentation that depends on the things you gained from secondary school. In the event that you can't compose a total paper, you should consider getting some help.</p><p></p><p>Essays for seventh graders can be more testing than articles for seniors. At the point when you compose an article for an understudy in the seventh grade, you won't expound on themes that they have just secured. Expositions for the understudies in this evaluation are considerably more challenging.</p><p></p><p>If you don't know how to compose an article for your kid, ens ure you read a great deal of papers that the individual in question has composed previously. You will likewise need to ensure that you read a great deal of expositions that others have composed on a comparative subject. You will need to peruse a few articles composed by different scholars. This will assist you with making sense of the most ideal approach to compose an exposition for your student.</p><p></p><p>You can help your youngster by setting a cutoff time for when you intend to complete the paper. Set a cutoff time for yourself to complete the article. On the off chance that you don't complete the paper by the cutoff time, you should discover another task to work on.</p><p></p><p>These are only a couple of approaches to assist you with getting ready for the articles you will compose for understudies in their secondary school. Ensure you realize how to compose an article before you start and you will have the option to think of on e that is straightforward and is well-written.</p>

Argumentative Essay Topics For Kids

Argumentative Essay Topics For KidsIf you want to write an argumentative essay for your child that will show him how important logic is in the world, then you need to think about a topic for kids. These types of essays can range from simply writing a report on an issue to an essay which will touch on some very serious issues that the youngster will come across in their lives. Your child's future career may depend on the type of essay that you write.Argumentative essay topics for kids can be anything that your child wants. While some topics for kids are more creative and child-like, others are very serious and may require that you consider something that can be illustrated. In most cases, children will prefer the idea of writing a report on an issue that they can really understand.It is not easy to write essay topics for kids. Of course, it can be more enjoyable when you know the topic well enough so that you can explain it easily. On the other hand, if your child is not sure of the t ype of topic that he would like to write, you can choose one and discuss it with him.There are a number of essay topics for kids. One of the most common topics is about pets. You can include subjects such as favorite animals, the family pet, or pets that your child loves and respects. There are also a lot of topics for kids on animals that can be written in different styles, such as something that is simply illustrated and something that is written in creative ways.When considering essay topics for kids, you also need to remember that children need a variety. The younger the child is, the less he will be able to follow you as you try to explain something. So, if you want your child to understand, you should write it in a way that your child will enjoy and understand. Children enjoy different things, so try to pick a topic that is related to the hobbies that the child has.A persuasive essay on pets may be interesting to the child if he knows what the point of the essay is. It is also better if you can take advantage of the ways that the child could relate the subject to their everyday life. This will make the topic easier to understand.For example, if you discuss how a dog rubs its small animal's fur against him, your child may think that it is a dog grooming ritual. They may even understand the concept of furry animals better than you do. That is why you should be careful when explaining topics for kids.Argumentative essay topics for kids are the topic of many successful writers. If you would like to be part of the group, all you need to do is to prepare well before you begin. You should have a good amount of research done on the topic that you are going to write.

App Essay Examples for A Student to Use

<h1>App Essay Examples for A Student to Use</h1><p>Option 1 - The ABC's of App Essay Examples for An understudy to utilize is exceptionally basic and simple to follow. It comprises of some run of the mill addresses, for example, these: To what degree do you believe you comprehend the items or administrations that are offered by these online stores? Okay like the organization to disclose to you how its items or administrations can support you? Whatever degree do you believe you comprehend the items or administrations that are offered by these online stores?</p><p></p><p>The ABC's of App Essay Examples for an online understudy has made accessible a wide assortment of great models, words, and thoughts that can be utilized in an expert style composing task to assist them with responding to the most essential inquiries of the subject of their investigations. This permits the understudies to survey and increase certainty with what they read in a mo re straightforward way than simply perusing the paper. That is actually why these papers have become so popular.</p><p></p><p>After dissecting the substance of the subjects of these App Essay Examples, it is anything but difficult to see that the themes are driven by a few distinctive main thrusts. The investigation subjects are not contained to specific fields or practices yet are commonly relevant to all regions of business. Since understudies have a more prominent comprehension of the standards of business and present day the board, it turns out to be certain that it bodes well to give a superior premise to business instruction and training.</p><p></p><p>Another part of the App Essay Examples which makes the idea all the more speaking to understudies is the cost-adequacy of the course material. Obviously there are numerous different strategies for planning for school level coursework, however there is nothing that is more compelling than this specific system.</p><p></p><p>There are a few unique kinds of occupations in the present society, going from official and administrative situations to different sorts of business, which may introduce instructive chances. In any case, numerous people think that its hard to obtain the aptitudes important to start a section level position as a result of the significant expense related with such preparing. This App Essay Examples makes the expense of the course more affordable for all and supplies progressively planned understudies the inspiration to finish the preparation expected to enter the workforce.</p><p></p><p>The normal expense of procuring the material is an incredible deal considering the measure of data that can be secured. Understudies figure out how to compose a successful article, just as how to incorporate a perplexing layout which helps with giving guidance to the peruser. These points are by and large followed by a nitty gritty conversation of the themes and strategies for verification that will be utilized to direct the understudy all through the coursework.</p><p></p><p>While from the start understudies may experience trouble during the advancement of their assignments, it doesn't imply that the substance won't be available in the last venture. The course material is introduced to be composed and intelligent, to empower the understudies to concentrate and to discover the appropriate responses that they need. Obviously, not every person can bear the cost of a similar educational cost as different understudies, so this sort obviously costs less and gives more advantage than some other technique available.</p><p></p><p>After having dissected the App Essay Examples and the cost reserve funds, understudies should now be better ready to choose whether or not this framework will give the advantage that is proposed. If so, at that point there is a major open door for expanded benefits and remuneration later on. For whatever length of time that the understudy comprehends the idea of the assets accessible to them, they ought to have the option to settle on instructed choices about their future coursework.</p>