Everyone's Money Book on College Book

	List of Figures	vii
	Preface	ix
	Acknowledgments	xi
1.	You Can Pay for College	1
	A Bachelor's Degree Means a Better Job	1
	College Costs Keep on Rising	3
	Planning Will Pay Off	4
2.	Estimating College Costs	6
	First Assumptions	6
	Private versus Public	7
	What Is Included in the Cost	9
	How to Calculate Costs	9
	Consistent Saving Helps	12
	Resources	13
3.	Stock Mutual Funds	16
	Custodial Accounts	16
	Stock Mutual Funds	18
	Advantages of Mutual Funds	19
	Types of Funds	19
	Selecting a Fund	20
	The Importance of Balance	21
	Resources	24
4.	Bonds and Bond Funds	26
	How Bonds Have Changed	26
	Bond Basics	27
	Investing in Bonds	27
	Bond Ratings	29
	Types of Bonds	30
	Bond Mutual Funds	35
	Resources	37
5.	Savings Plans	39
	Coverdell Education Savings Account	39
	Section 529 College Savings Plans	40
	College Savings Plans	40
	Prepaid Tuition Plans	45
	College Sure CDs	50
	Upromise and BabyMint	50
	How Grandparents Can Help	50
	Investments to Avoid	52
	Resources	53
6.	Federal and State Grants	54
	Differences between Student Aid Packages	54
	Federal Grant Programs	55
	State Aid	57
	Resources	64
7.	Scholarships and Private Money	66
	Different Types of Scholarship Funds	66
	Who Offers Scholarships?	67
	How to Find Scholarships	73
	How to Win a Scholarship	76
	How Scholarships Affect Financial Aid	76
	Resources	77
8.	Work and the Military	80
	Federal Work-Study	80
	Cooperative Education	81
	Americorps	82
	Deferred Enrollment	83
	The Military	83
	Resources	91
9.	The Lowdown on Loans	93
	Government Loans	93
	College Loans	97
	Commercial Loans	98
	Where to Find Lenders	100
	Repayment	101
	Tax Deductions and Credits	101
	Resources	104
10.	Applying for Financial Aid	108
	Federal Aid	109
	Nonfederal Aid	110
	Planning, Planning, Planning	116
	The Award Letter	117
11.	Tackling the Financial Aid Application	122
	Calculating Your EFC	123
	Filling Out the Form	129
	Resources	142
12.	Using Your Computer to Finance Your Child's Education	145
	Searching for Schools	145
	Applying	146
	Figuring Out Costs	146
	Looking for Aid	148
	Applying for Aid	149
	Resources	149
13.	Other Borrowing Alternatives and Ways to Cut College Costs	153
	Borrowing from Yourself	153
	Cost-Cutting Measures	159
	Resources	162
Appendix	529 College Savings Plans by State	165
	General Resources	181
	Index	187