Eight Terrific Tips for College-Bound Teens

Loans and credit can be a confusing topic for many teens and college students. Whether you are a student or just helping someone through the process, these tips will help you make smart decisions about paying for college.

  1. Take advantage of free financial classes and resources available through your credit union. You can also sign up for free online tools such as CashCourse.
  2. Scholarships are not only for high school seniors. A variety can be found throughout your academic career. Here is a list of opportunities in Ohio.
  3. Opportunities should be free. Never pay to apply for a scholarship. If you think a scholarship opportunity looks suspicious, inquire for additional information.
  4. Apply for scholarships as you apply for schools. Most college admission essays can be reused or repurposed for scholarship applications.
  5. Plan ahead. If you wait until the last minute, you may miss the deadline for hundreds of simple scholarship applications.
  6. Set a goal for how many scholarships you will apply for. If you have a goal ahead of time, your chances will be better to follow through on applying.
  7. Save 10 percent of everything. That includes saving 10 percent of your birthday money, allowance, job earnings and more. Even if it’s just a dollar at a time, start saving now.
  8. Investigate alternate loan options. Consider the Credit Union of Ohio Smart Option Student Loan by Sallie Mae® as a way to fill in the gaps for money you need for books, housing and other expenses not covered by scholarships and federal loans.



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