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Tips for Applying to College

By Ryan Laspina
Senior Specialist, Red Flags and External Reviews at APUS

For first-time students, applying to colleges can feel overwhelming. Luckily, there are quite a few tips to make the application process less hectic and stressful. Talking to advisors at your school is always a great option, especially when it’s time to decide how to pay for your college expenses. If you have close friends or family members who have already experienced the application process, ask them for some advice.

FSA IDs: What You Should Know

By Ryan Laspina
Senior Specialist, Red Flags and External Reviews at APUS

In May 2015, the Department of Education replaced the Federal Student Aid (FSA) Personal Identification Number (PIN) with the FSA ID. This change was put into place to enhance security for students’ financial data and reduce the chance of identity theft and fraud. While the change does not have a profound effect on the FSA process, there are a few points that you need to fully understand.

How Interest Capitalization Impacts Your Student Loan

By Ryan Laspina
Senior Specialist, Red Flags and External Reviews at APUS

Do you know what interest capitalization is? If you haven’t taken an accounting class yet, you may not be aware that interest can capitalize on your unsubsidized student loans. Capitalization occurs when your lender adds accrued interest onto the principal amount of your student loan.

Options for Deferring Your Student Loan Payments

By Ryan Laspina
Senior Specialist, Red Flags and External Reviews at APUS

One of the most popular repayment options is called deferment. A deferment is a period of time where the repayment of your student loan debt (principal and interest) is temporarily delayed. Deferments are great if you are still in school, returning to school, or temporarily unemployed.

Saving Money During the Summer

By Ryan Laspina
Senior Specialist, Red Flags and External Reviews at APUS

We all want to take some time off from work or school this summer, so how can we take a break without breaking the bank? The best way to cut down on summer spending is to take a “staycation” instead of a vacation. A staycation is when you take some time off and have some relaxing events around your house. Here’s some tips about how to have a fun and affordable staycation.

Resolving FSA Loan Disputes

By Ryan Laspina
Senior Specialist, Red Flags and External Reviews at APUS

In a perfect world, Federal Student Aid (FSA) loan borrowers would take out loans, attend college, graduate, and pay back their loans on time without any issues or disputes. Some students go through the entire life cycle of their loans without any hiccups. Other students are not quite as fortunate.

Remaining Eligible for Financial Aid

By Ryan Laspina
Senior Specialist, Red Flags and External Reviews at APUS

To remain eligible for financial aid each year that you are enrolled in college, you must meet certain criteria each semester. Just because you are eligible for Federal Student Aid (FSA) during your first semester, that doesn’t automatically mean that you will continue to be eligible in subsequent semesters.

 

Following Your Graduation Checklist

By Ryan Laspina
Senior Specialist, Red Flags and External Reviews at APUS

Graduation is a cause for celebration, but just because you passed all your classes does not mean that the party can start immediately. Make sure you fully understand all of the items in your Graduation Checklist, and also know your responsibilities.