Getting Back in the Habit

After a summer break, the first few days of a new school year can be a big adjustment. Help yourself by preparing now with these tips.

Get back into the routine. Start waking up at the time you need to get up to get ready for school or activities. Set your alarm and go through your school morning routine to be sure you’re adjusted. Work on getting to bed at a reasonable time as well.

Notify your employer. If you’ve been working over the summer, now is the time to speak to a manager about adjusting your shift times or to put in your notice. Give your employer plenty of time to rearrange schedules.

Organize your space. Get ready for homework by cleaning your accustomed study area. Make sure you have the space and materials you’ll need to be successful this year.

Gather supplies. Take the time to inventory your school supplies, from paper and notebooks to binder clips and calculators. Replace or purchase as needed.

Clean out your closet. Go through your clothes to see what you no longer need and what’s missing. Take advantage of any sales tax holidays and back-to-school sales to stock up.

Prepare for activities. Get ready for your extracurricular activities for the coming term by cleaning, repairing and replacing equipment as needed. Ensure you have the clothing and other items you’ll need.

Organize your schedule. If you haven’t previously done so, it’s not too late to find a homework and activity organizer that suits you. You may prefer a paper planner, a shared online calendar or an app for your phone or tablet. Whichever you choose, start off right by entering times and commitments you already know.

Prepack. Put all the items you’ll need the first day of school together. Put your supplies and materials in your bag and lay out the clothes you’ll wear. If you’ll take your lunch or other food, have the supplies on hand to reduce last-minute stress.

Make a dry run. If you will be taking a new route to school, driving to school for the first time or starting at a new building, make a practice trip to get the timing down and avoid any pitfalls.

By: Iowa Student Loan

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The Final Countdown: Helping Your Student Prepare for College

As your student prepares to head off to college for the first time, take a break from building the dorm mountain. Spend some time in the last two or three weeks to be sure your student knows how to handle the following tasks.

1. Manage Money

  • Manage checking and savings accounts. Your student should know how to check the balance, calculate upcoming payments that haven’t yet cleared, make a deposit and take money out. Online features and smartphone apps are now widely available, meaning that your student may not ever need to step foot in the financial institution’s building. Although checks are increasingly rare among younger adults, your student may have the need to handle them occasionally. Demonstrate how to fill out checks to pay someone else and how to endorse any checks received.
  • Use a payment card. In most cases, consumers, instead of cashiers, now swipe or insert a credit, debit or student card when purchasing items. Your student should know how to use a card with chip technology, whether to select debit or credit, and what to do if a card is denied. Remember that many card companies will send a text or email to verify first usage and that anyone traveling or making large unexpected purchases should notify the card company beforehand.
  • Handle other types of payments. College students are generally tech-savvy and often rely on digital payment services, such as Venmo or PayPal. Work with your student to explore these services and understand how to protect him- or herself from fraud.

2. Get Where They’re Going

  • Maintain a vehicle. If your student will have a car at college, go over the owner’s manual and maintenance schedule to check for frequency of service for oil, tires, filters and more. Help your student locate a reputable service location near campus. Visit org and determine the car’s safety and maintenance features. If you have a service such as AAA or dealer-provided coverage, provide your student with contact information and discuss what to do if the car doesn’t run or needs to be towed. In addition, go over what to do in case of an accident or being stranded.
  • Use public transportation and ride share services. If your student hasn’t already experienced them, take a practice run on the types of public transportation used near the college. These could include buses, trains and subways, and taxis. Check out the types of ride share services available near campus and help your student download and try out appropriate apps. Besides ride services like Uber and Lyft, your student may be able to access other systems like bike shares, car shares or shuttles.
  • Negotiate flights and long-distance travel. If your student isn’t an experienced flier, help him or her understand how to book a ticket, check in online or at the airport, check or carry on luggage, clear security, and find gate and flight information. Students should know what to do if they miss a flight or a flight is delayed or canceled. In addition, students who will be traveling should know the types of documents and identification needed. Help your student understand how to reserve a hotel room, check in and out, use a card for incidentals, and find transportation services.

3. Visit the Doctor and Other Providers

  • Understand medical, dental and vision insurance. Go over the various cards and types of insurance your student will be using at college. Explain any co-pays or deductibles, and help your student find providers that are in the insurance company’s network to avoid extra costs.
  • Make and check in for appointments. Your student should know how to schedule an appointment or arrange care when needed. Talk about the information he or she will need to provide when seeing a health care provider, including insurance information, previous issues and treatment, Social Security number and emergency contacts.
  • Fill or refill a prescription. Work together to choose a local or online pharmacy and, if possible, explore the pharmacy’s online services and apps to help your student prepare to manage medical prescriptions. Discuss the advantages and disadvantages of generic medications, online providers for medicines and optical products, and any co-pays, deductibles and reimbursement process.

4. Clean Up

  • Do the laundry. Your student should know how to handle basic laundry tasks like treating stains, separating colors (or using special sheets to prevent bleeding dyes from ruining other items), adjusting wash temperature and time, and folding or hanging clothes. In addition, your student may need to know how to iron or steam certain items, which items should be dry-cleaned and where to take them, and how to make basic repairs like stitching a hem or replacing a button.
  • Clean living areas. Your student may be responsible for helping to clean shared living spaces in a suite-style dorm or in an off-campus apartment in addition to his or her own area. Explain the types of cleaning products and what each is suitable for, as well as a good cleaning schedule to prevent issues like allergic reactions or spreading illness. Set up a trial run of cleaning the living area, bedroom, bathroom and kitchen at home.
  • Washing bedding. Talk about the importance of clean bedding and towels for students living in close quarters and for your student’s own personal hygiene. Decide together on the number of towels, sheets and other items your student should take to minimize needed storage while having enough clean items between laundry days. Share your own tips on how to wash large bedding items like comforters and how to hang towels for drying between uses.

See more about college prep for parents and students.

By: Iowa Student Loan

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Comparing Postsecondary Options (Infographic)

The options after high school can be confusing. Here is a comparison of the most common routes for recent high school graduates.

Keep in mind that these routes are not permanent or exclusive, and choosing one route doesn’t rule out other options if a student would like to pursue an additional or different path later.

Infographic: Comparing Postsecondary Options

Download this infographic as a PDF.

  Workforce Military Short-Term Education Apprenticeship Public Four-Year College Private Four-Year College
Description Full-time employment directly after high school · Before or instead of pursuing a college education

· Military academies

· Short professional programs

· Certificate programs

· 9-month, one-year, two-year college programs

Up to six-year programs Rely on government funding as well as tuition and fees from students Rely on tuition, fees and private sources for funding
Average Cost $100–$1,000 $0 $5,000–$20,000 $0 $47,000–$90,000 $77,000–$140,000
Potential Earnings Starting: $18,023

Mid-career: $31,239

Starting: $19,199

Mid-career: $41,958

Starting: $24,030

Mid-career: $44,056

Starting: $20,025

Mid-career: $47,098

Starting: $20,025

Mid-career: $47,098

Starting: $20,025

Mid-career: $47,098

Required May need related job experience or certain skills · ASVAB test

· Fitness and health standards

· Background check

·  Requirements vary by program

· Placement tests

· Requirements vary by program

· May be minimum age

· May require community college acceptance

· Minimum SAT/ACT score and GPA

· Core high school classes

· Application (sometimes with essay, interviews and letters of recommendation)

· Minimum SAT/ACT score and GPA

· Core high school classes

· Application (sometimes with essay, interviews and letters of recommendation)

Typical Jobs • Accounting clerk

• Animal caretakers

• Childcare

• Clerical, administrative, office clerk

• Customer service representatives

• Driver

• Food services

• Maintenance and janitorial

• Retail worker


• Administration

• Aviation

• Combat officer

• Construction

• Engineering

• Health care

• Intelligence

• Mechanical and maintenance

• Public affairs and media relations


• Auto mechanic

• Barber

• Chef

• Computer tech

• Cosmetologist

• Court reporter

• Dental assistant

• Fitness trainer

• Nursing or home health aide

• Pharmacy tech


• Carpenter

• Electrician

• HVAC installation and repair

• Machinist

• Mason

• Pipefitter

• Plumber

• Sheet metal worker

• Tool and die worker

• Airline pilot

• Architect

• Computer programmer

• Educator

• Engineer

• Financial specialist

• Graphic designer

• Reporter or correspondent

• Writer or editor


• Airline pilot

• Architect

• Computer programmer

• Educator

• Engineer

• Financial specialist

• Graphic designer

• Reporter or correspondent

• Writer or editor




  • Average Cost of Workforce includes the cost of work clothes, transportation to interviews and printing resumes.
  • Average Cost of Public and Private Four-Year College are based on the 2011–2012 net lowest and highest cost of attendance (after discounts on the published costs) per year multiplied by four years.
  • All other Average Cost information is based on figures available online for Iowa programs.
  • Potential Earnings for Workforce are the 15th and 50th percentile salaries from U.S. Census Bureau 2015 PUMS data (1 year sample) – educational attainment up to high school diploma.
  • Potential Earnings for Military are private (E1) and first lieutenant (O2) from
  • Potential Earnings for Short-Term Education are the 15th and 50th percentile salaries from U.S. Census Bureau 2015 PUMS data (1 year sample) – educational attainment of associate degree.
  • Potential Earnings for Apprenticeship are the 15th and 50th percentile salaries from U.S. Census Bureau 2015 PUMS data (1 year sample) – educational attainment of some college.
  • Potential Earnings for Public and Private Four-Year College are the 15th and 50th percentile salaries from U.S. Census Bureau 2015 PUMS data (1 year sample) – educational attainment of bachelor’s degree.


By: Iowa Student Loan

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Factors to Consider When Choosing a College

Header image: Factors to Consider When Choosing a College

This is Contributed Content. Any opinions, advice, statements, services, offers, or other information contained in Contributed Content are solely those of the respective author(s) or contributor(s) and do not necessarily state or reflect the opinion of Iowa Student Loan and/or this blog. See the “About” page for additional important information about Contributed Content.

Choosing the college you want to attend is a big decision and there are many factors that you should consider when making the decision.

Future Career
What do you want to do when you finish college; what’s your ultimate goal? You should answer this question and then find colleges that will help you reach the answer. Your career path is something that you will spend 30-40+ years developing and the best training and foundation for that career comes in the form of the right college or training program. You want to make sure the one you pick has everything you need to be successful in your future career.

Campus Programs/Majors
Having everything you need to be successful in your future career boils down to the right program or major to get you into your field. A mistake that many students make is selecting a college for campus amenities or connections with family or friends, and then finding out that the college doesn’t have the program or major they really want. This can cause a lot of stress and anxiety due to picking a different major or transferring to a different school. Transfers can cost more as well because you may add on an extra year or two to complete your degree. Make sure that the colleges you consider have the program or major that is right for you, and that the program is in line with your career goals.

Campus Visit
Try and visit every campus you are considering. While websites and guidebooks give you an idea of what campus will be like, only an in-person visit will give you the full picture. Schedule a visit with the admissions office and personalize your visit by:

  • Attending a lecture in your chosen major
  • Meeting with faculty or students in your chosen department
  • Do an overnight visit and experience campus life
  • Sit down with a financial aid advisor and discuss cost and scholarship opportunities
  • Try the food in the cafeteria and check out the career center, student life, and the dorm
  • Ask lots of questions (download a Campus Visit Guide at

Financial Aid
Make sure you are picking a college that is within your means and allows you to graduate with an affordable degree. Your basic college budget formula is this:

Starting Salary = Overall Borrowing Limit

This means that if you will make an average starting salary of $25,000, your total student loans for the full time you are in school should not exceed $25,000. This keeps your student loan payments at a reasonable level for repayment once you graduate. Make sure you are picking a school that is affordable for the life and career you plan to have after graduation.

Choosing a college can seem overwhelming but breaking down the decision into these categories and asking questions will help you make the best decision based on your future goals and set you up for future success.

Contributed by: Iowa College Access Network


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Making the Introduction to College Campuses

Header Image: Making the Introduction to College Campuses

Selecting colleges with the right fit from among all available options can be overwhelming as high school juniors and seniors start the college application process. Starting earlier, even as early as middle school, with no-commitment introductions to various types of college campuses can help your student understand what he or she finds most suitable.

Here are five ways to explore different types of college campuses:

  1. Surf the web. While very different from an in-person visit, exploring a college’s website can help students narrow down what they like and don’t like about different types of colleges. Does a small private college with specialized programs suit them, or would they prefer the variety and relative anonymity of a larger public university? Does the campus map or photos of buildings seem overwhelming or manageable? Does the campus have a park-like setting or is it spread out in an urban area? What kind of feelings does the architecture evoke?
  1. Take a leisurely walk. If you live or travel near a college or university, stop for a stroll through campus. You don’t need to set up a formal tour to get a feel for how students interact, how buildings are laid out and the modernity of dorm rooms and common spaces. Walk through the student union and a classroom building to get a peek behind the scenes. Stop in the campus bookstore to check out the selection of themed merchandise, and watch for fliers and posters advertising upcoming events.
  1. Join the crowd. Go to a game, cultural event or open house on campus to see a different side of college life. Are students involved in the activities your child enjoys? How active are alumni as fans, supporters and donors? Are these events appealing to the local community?
  1. Visit a friend or relative. If your student knows any current college students, see if a visit would work out. An afternoon at a local campus might be enough for your child to see how he or she might spend time on that campus and have a chance to talk with older students about what they like and don’t like. If you’re comfortable, an overnight stay with a trusted current student can be very enlightening for a younger student.
  1. Stay awhile. Many college campuses host overnight camps for athletic, academic and special interest programs during summer breaks. Going to camp will allow your child to stay in a dorm with other like-minded students, eat in dining centers, use the campus facilities and explore the surrounding community.

By: Iowa Student Loan

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College Visits: What Not to Ask

Header image: College Visits: What Not to Ask

Many of the most common questions people ask on college visits can be answered by looking at the school website or its Common Data Set questionnaire*.

* To find the Common Data Set online, search for the term on the school’s website, or enter the school name and “Common Data Set” in your browser search bar.

Research the answers to these questions to help you narrow down college choices.

  • What are the requirements for admission?
  • What other factors, like being a first-generation or legacy student, affect admission?
  • Are students typically accepted through early admission or off a waitlist?
  • Is a gap year allowed between admission and enrolling?
  • How many undergraduate students and graduate students are on campus?
  • What is the student-faculty ratio?
  • How many students are in the average class?
  • How many students graduate in four years, five years and six years?
  • What is the student retention rate?
  • What is the average debt for students?
  • What is the percentage of financial need met by the school?
  • What percentage of students receive financial aid?
  • How much of awarded financial aid is scholarships and grants, and how much is loans?
  • How many students are in fraternities and sororities?
  • What activities and clubs are available?
  • How many students study abroad?
  • Is there an honors college or program, and what are its requirements?
  • Does the school offer living/learning communities, and how do those work?
  • What additional services, including tutoring, academic advising, health, mental health and career, are available to students?
  • What are the crime rates and types for the campus and the surrounding community?
  • What do students and families say about this school on social media sites like Twitter, Facebook and Reddit?
  • How do professors in my major score on and other educator rating sites?

See a list of questions to ask during college visits instead.

By: Iowa Student Loan

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College Visits: What to Ask

Header image: College Visits: What to Ask

A visit to a college campus is a great way to familiarize yourself with the overall atmosphere on campus and see what daily life there may be like. It’s important to find the right fit financially and personally so that you save time and money in attaining your degree. Choose from among the questions below to ask on your next college visit.

What to Ask an Admissions Representative

  • Is admission need-blind (meaning financial background does not impact admission) or need-aware (meaning that full-pay students are more likely to be admitted or that there’s a limited number of scholarships for financially needy students)?
  • Is there an introductory freshman year experience, such as a service or camp opportunity?
  • Is there a culminating senior year experience?
  • What is the average class size for introductory or general education classes?
  • Are students required to live on campus? Every year?
  • Are dorms available or guaranteed for upperclassmen?
  • What are the food plan requirements when living on campus? How does the food service accommodate food allergies/sensitivities?
  • How do AP, IB and dual enrollment classes, SAT subject test scores and CLEP test scores count for credit?
  • How does class scheduling/academic advising work? How and when do freshmen sign up for classes?
  • How does the school help students take the right classes at the right time to graduate in four years?

What to Ask a Financial Aid Representative

  • How do outside scholarships affect financial aid? Will they replace other awarded aid or be stacked on top of it?
  • What are the work-study opportunities on campus?
  • What campus employment is available for students not awarded work-study?
  • Is alternative financial aid, such as service-based scholarships, available?
  • Do financial aid packages change after freshman year?
  • How many campus and departmental scholarships are available after freshman year?

What to Ask a Representative of Your Major

  • What is the student-faculty ratio in my major?
  • What is the average class size for upper division classes in my major?
  • What opportunities for undergrad research would be available to me?
  • How many undergraduate students conduct research?
  • Is there a separate admission process for my major, and what does that entail?
  • What is the admission rate for students of my declared major?
  • Is my major impacted or highly selective? Or, is there a chance my major will be eliminated before I graduate?
  • How many students get internships? What is the process for finding internships?
  • Do companies come to campus to recruit? Is there an annual career fair for students in my major?
  • What is the role of teaching assistants for my major?
  • What does it take to graduate in four years?

What to Ask Your Tour Guide

  • How many students live on campus versus off-campus? How many commute?
  • Are art or music spaces available to non-majors?
  • What IT services are available, and how much do they cost students?
  • What is the campus sports atmosphere?
  • What do students on campus think of my intended major? Does it have a reputation?
  • What happens when there is an emergency, such as severe weather or an active shooter?

What to Ask Students on Campus

  • How crowded are dorms?
  • What happens on weekends and breaks? Do many students leave campus?
  • What other schools did you look at and why did you decide on this one?
  • What is the social life like?
  • How do you get around campus or to shopping, the airport or the entertainment district?
  • Do most students have bikes or cars?
  • How much does it cost to live off-campus and what are the options?
  • How hard is it to get into required classes?
  • Are you able to meet with your professors when you want to?
  • What are your favorite and least favorite things about this college?
  • Where do students get food other than the dining centers?
  • How do students view fraternities and sororities?
  • What are the most popular activities on campus?

What to Ask Yourself

  • Does the student body seem friendly and welcoming?
  • Are the library and other student academic centers up to date and are students using these resources?
  • What is available to eat in the dining center and how many options are there on a daily basis?
  • Where do students gather and how do they interact with each other?
  • Does the bus system run on time and go where needed? Does it seem overcrowded or underused?
  • What do I think of the main buildings, labs and facilities for my major and other main interests?
  • What does the student newspaper, posted fliers and notices tell me about the campus?

See questions that are easily answered through research instead.

By: Iowa Student Loan

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Start the College Conversation

Header image: Start the College Conversation

Middle school is a great time for students to start thinking about and discussing their plans after high school. It may feel like your child just headed off to the first day of school, but time passes quickly and now is the time to plan for high school and beyond.

Here are eight ways to start a conversation with your student.

1. Connect current interests. Observe the things your child enjoys and discuss how these activities translate into college majors and careers. Even if you are sure your child won’t end up as a chef, talking about cooking for a living helps your student think about the connection between interests and careers. Just remember that as your child matures, his or her interests will change as well.

2. Explore career possibilities. Your student might have some idea of what you do for a living and is likely familiar with several common jobs like teacher, police officer, doctor and lawyer. But that’s just the tip of the iceberg. Talk about what people you work with do, as well as the careers of extended family members, friends and acquaintances. Help your student see the nuances between different careers and how people got to the point where they are today.

3. Define “college.” What do you and your student think of when you hear the word “college”? Explore the different types of postsecondary options and the types of careers associated with them to help your child understand their future choices. Visiting different campuses can help.

4. Stress the importance of academic habits. Middle school grades and test scores usually don’t count for college admission considerations, but now is the time to set good habits and define expectations. High school course rigor and grades, along with standardized test scores, play a major role in college admissions. Set the stage now by talking about what’s happening at school and how to improve.

5. Make a financial plan. Discuss the current and projected future cost of college and what that means for your family. If you expect your student to work in high school or college to help offset costs, talk about that now. In addition, let your student know what kind of college savings or funding he or she can expect from the family. This will help clarify the college choice down the road.

6. Talk about academic options. If your student performs well in middle school, there may be an opportunity to advance in coursework. Taking high school classes in middle school frees up time for more advanced classes, and even classes that count for college credit, in high school. In addition, standardized test scores may help your student qualify for substantial merit-based scholarships for college.

7. Clarify expectations. Some families assume their children will attend college; others assume their children won’t. Where does your family fall on this scale and how does that fit with your student’s own ideas? Encourage your child to think in terms of financial and personal goals and how college affects those.

8. Share your own experience. Discuss your favorite and least favorite aspects of your own education and what you would do differently. Share how the choices you made or the situations you were in affected what came after.

By: Iowa Student Loan

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Planning for Student Loan Repayment

Header image: Planning for Student Loan Repayment

It can be tough to know where to start with student loan repayment. After you graduate from college, you typically have six months before repayment starts on your student loans. This is your grace period, the time for you to figure out your job and living situation before you are expected to start making payments.

Gather Your Loan Information
The important thing during this time is to get your budget in line and figure out how much your monthly payments are going to be. The National Student Loan Data System (NSLDS) is the US Department of Education’s central database for student aid and has the list of all your federal loans, how much you owe, your interest rate, who your loan servicer is, and their contact information. Visit to get started (you’ll need your FSA ID to gain access).

Private loans will not appear on the NSLDS website, so you’ll have to contact each lender individually for the loan information if you have any private loans.

Consider Consolidation
Once you have all your loan information gathered, the next decision is whether or not to consolidate. Consolidating your loans will take all your individual loans and payments and combine them into one balance and one payment.

Keep in mind that federal loans and private loans can only be consolidated together through some private loan options, and you will be forfeiting federal loan benefits to do so.

  • Private loans: Consolidation of private loans can be a good idea if you can get a lower interest rate than your current loans have individually. When you look into consolidation, inquire about the current loan rate. You can contact your loan servicer or visit their online account portal to determine your consolidation options and your repayment options.
  • Federal Loans: For federal loans, visit to see the benefits of consolidation. While you can’t lower your federal loan rate, you may find other reasons this is beneficial for you.

Entering Repayment
Once you start repayment, there of several types of options for federal loans:

  • Standard Repayment
  • Graduated Repayment
  • Extended Repayment
  • Revised Pay As You Earn Repayment
  • Pay As Your Earn Repayment
  • Income-Based Repayment
  • Income-Contingent Repayment
  • Income-Sensitive Repayment

For all the details on these Federal Repayment Options, visit For private loan repayment options, contact your loan provider.

Pick the plan that allows you to pay the debt down in the fastest amount of time with the least amount of interest. Some of the repayment options offer extended repayment terms up to 25 years and very low monthly payments. However, this just means you are incurring more interest and carrying the debt with you through most of your adult life. Other major financial decisions (such as purchasing a home) in your future can be impacted by your choice of student loan repayment plan.

You also want to focus on planning for retirement. After graduating from college retirement seems a lifetime away, however now is the best time to capitalize on that lifetime of savings. The more you can contribute to a 401(k) or Roth IRA now, the more time it has to grow.

The sooner you are out from under your student loan debt, the sooner you can start capitalizing on your financial freedom and bring your focus on your future goals.

Contributed by: Iowa College Access Network

This is Contributed Content. Any opinions, advice, statements, services, offers, or other information contained in Contributed Content are solely those of the respective author(s) or contributor(s) and do not necessarily state or reflect the opinion of Iowa Student Loan and/or this blog. See the “About” page for additional important information about Contributed Content.

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Giveaway for Educational Costs Approaches End

Iowa Student Loan’s most recent award program is coming to a close soon. The College Funding Forecaster Giveaway allowed Iowa high school students and their parents or guardians to enter drawings for awards after completing the online tool College Funding Forecaster.

Nearly 500 eligible registrants were entered into weekly drawings for two $250 awards for educational expenses. Over the course of the giveaway, $5,000 in weekly prizes were distributed to the drawing winners who completed the required steps to claim the prize.

High school 2017 graduates and their parents or guardians were also eligible to be entered into the grand prize drawing for two $1,500 scholarships to be paid directly to the winning student’s college in fall 2017. More than 400 registrants were eligible for that drawing, which will be conducted by an independent third party at the end of June. Winners will be notified in July, and the results will be published on the Iowa Student Loan website.

This was the first year for this giveaway, which encouraged Iowa families with college-bound students to use the free College Funding Forecaster tool to estimate total out-of-pocket expenses for a four-year undergraduate degree.

All Iowa Student Loan’s scholarships and programs play an important role in educating Iowa students and families about college planning and financing and in providing financial resources to help offset college costs. So far, nearly 17,000 students, parents and guardians from across the state have registered to receive valuable information, and more than 200 recipients have received more than $300,000 in awards.

Mark your calendar for the upcoming Save Now, Save Later: College Savings Plan Parent Giveaway, which opens near the beginning of the 2017–2018 school year.

By: Iowa Student Loan

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