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Illinois
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Illinois
by Ken Clark
The Complete Idiot's Guide® To Paying for College
Title Page
Dedication
Copyright Page
Introduction
Part 1 - Getting a Grip on College Costs
Chapter 1 - The Math Behind College Costs
Your College Cash Strategy
Determining Your College Costs
The Direct Costs of College
The Hidden Costs
Chapter 2 - Lowering Your Direct Costs
Lowering Tuition Costs
Lowering Your Room and Board Costs
Cutting Costs on Books
Chapter 3 - Lowering Your Indirect Costs
Hacking the High Price of Technology
Travel Expenses
Medical Expenses
Falling in Love
Inflation Is Not Your Friend
Chapter 4 - Tapping Your Assets Wisely
Calculating How Far Your Assets Will Go
The First Assets to Go
Bye-Bye, College Accounts
Other Assets to Consider Tapping Early
Tapping Your Retirement Funds
Using Your Home Equity
Whole Life Insurance
Part 2 - Strategies for Borrowing
Chapter 5 - Student Loans Made Easy
The Truth About Student Loans
Stafford Loans
Perkins Loans
PLUS Loans
State Loan Programs
Student Loan Landmines
Chapter 6 - Loan Repayment Strategies
Federal Repayment Programs
Choosing the Best Repayment Plan
Buying Yourself Some Time
Student Loan Consolidation
Chapter 7 - Loan Forgiveness Programs
How Loan Forgiveness Works
Qualifying for Loan Forgiveness
Forgivable Loans Versus Loan Forgiveness
Tax Consequences of Loan Forgiveness
Loan Forgiveness for Teachers
Loan Forgiveness for Medical Professionals
Loan Forgiveness for Volunteers
Other Loan Forgiveness Options
Chapter 8 - Increasing Your Aid Eligibility
Understanding the Aid Formula
Getting Your Assets in Gear
Intelligent Income Planning
The CSS Profile and Institutional Methodology
The Non-Nuclear Family and Financial Aid
Part 3 - Free Money for College
Chapter 9 - Scholarships: Truly Free Money
Scholarships Myths
Finding the Right Scholarships
Your Scholarship Battle Plan
Grabbing Their Attention
Chapter 10 - Grant Programs
The Basics of Grants
The Pell Grant
Other Major Federal Grants
State Grant Programs
Chapter 11 - Free Money on Your Tax Return
Federal Income Tax Credits
Federal Tax Deductions for Education
State Tax Deductions and Credits
Tax Tricks for Your Assets
Keeping Your Eye on Taxable Aid
Chapter 12 - Tuition-Free Colleges
Is Free College for Real?
The Top Tuition-Free Colleges
Not Everything Is Free
Getting the Invite
Part 4 - Best-Kept Funding Secrets
Chapter 13 - Tuition Reward Programs
The Basics of Tuition Reward Programs
UPromise Could Be Worth $500 per Year!
BabyMint
SAGE Scholars Program
Tuition Reward Credit Cards
Chapter 14 - Challenge and Employer Programs
The Basics of Challenge Programs
Major Challenge Programs
Employer Tuition Programs
Large Employers with Substantial Programs
Chapter 15 - College for Military Service
Your Uncle Sam Is Rich!
Tuition Assistance for Full-Time Military Service
Loan Repayment for Active-Duty Personnel
Military Benefits for Reservists
Transferability of Benefits
“Opting Out” of Classes
Chapter 16 - The Peer Lending Alternative
The Basics of Peer-to-Peer Lending
When to Use P2P Lending
Potential Problems with P2P Lending
Finding a P2P Lender
Part 5 - Thinking Outside the Box
Chapter 17 - Nontraditional College
The Shift Toward Nontraditional Educations
Types of Nontraditional Educations
Vocational Schools
Traditional Aid for Nontraditional Educations
Chapter 18 - Short-Term Savings Strategies
Revisiting Your Budget
The Best Short-Term Investments
The Best Accounts for Short-Term Savings
Chapter 19 - Working Your Way Through College
The Lost Art of Working Your Way Through College
Working Part Time at School
Making the Most of Your Summer Break
Say Hello to the New Maid
Chapter 20 - Avoiding the Biggest Mistakes
Denial and Procrastination
Recruiting Help
Chapter 21 - Rethinking College
Is Your College or Major Really Worth It?
The Value of Skipping College
Grad School Is No Guarantee of Success
The Amazing Value of Community College
Presidential Game-Changers
Appendix A - Glossary
Appendix B - College Cash Strategy Worksheet
Unique Costs and Resources
Spending and Savings Strategies
Funding Strategies
Appendix C - Resources
General Resources
Resources for Lowering Your College Costs
Assets and Investments
Financial Aid and Student Loans
Scholarship Resources
Tuition Reward Programs
Military Benefits for Education
Nontraditional Educations
Appendix D - Directory for State Financial Aid
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Appendix E - The Best Scholarship Programs
Heritage and Gender-Related Scholarships
Academic or Subject-Related Scholarships
State, Regional, and Geographic Scholarships
Health-Related Scholarships
Military-Related Scholarships (Family)
Essay Scholarships
Other Scholarships
Appendix F - Directory of State Section 529 Plans
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Index
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Illinois
Illinois Student Assistance
Commission
Main programs:
Illinois Incentive for Access (IIA)
Monetary Award Program (MAP)
Telephone: 1-800-899-4722
Web:
www.collegezone.com
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