Financial literacy shapes the choices students make before, during and after their higher education journey. When students have the knowledge and support to make informed financial decisions, they are more likely to stay on track academically, avoid unnecessary debt and graduate with confidence in managing repayment.

While loans are a valuable tool for accessing higher education, it’s essential to understand how they work—particularly the difference between subsidized and unsubsidized loans.

While student loan debt is a significant concern, it need not deter prospective students from pursuing higher education. With careful planning, informed choices, and a proactive approach to borrowing and repayment, college can remain a powerful avenue for personal and financial growth.

Financial aid is college funding that does not come from your family or personal savings.

Here's a brief breakdown of all of your options, with information on how to apply for each.

Tips for completing the Free Application for Federal Student Aid, better known as FAFSA.