Financial Aid

Financing your future

Financial aid expert shares tips for paying for your college education
By Gremlyn Bradley-Waddell

Going to college is one thing. Paying for it is quite another.

So how does one finance an education these days? It’s not exactly a simple process, but financial aid – money that helps pay for students to attend college or a career school – is a great solution for many families. In fact, Ricardo Montaño, a financial aid technician with Mesa Community College, says even if families can afford to pay out-of-pocket for their students’ education, they still often choose to apply for financial aid to cover additional expenses.

To get things started, a student first needs to be admitted to a college. The next step is to apply online for the FAFSA, or Free Application for Federal Student Aid, which is available every January. The FAFSA is the application used to determine how much financial aid you will qualify for, Montaño says.

Ricardo Montano

“Apply early if possible, submit all necessary paperwork and be sure to follow up with your college’s financial aid office until you see that financial aid listed on your student account,” he says, adding that “early” means by the first Friday in April, although he notes some schools have different deadlines that need to be followed.

Financial aid comes in a variety of forms and from several sources. According to, the Federal Student Aid office’s website, the federal government’s offerings include:

The FAFSA website also points out that, along with these three types of aid, some students may also be eligible for tax benefits, scholarships or even loan repayments courtesy of other agencies, such as National Institutes of Health.

Scholarships, of course, are monies that are considered a gift, or “free,” and do not need to be paid back. They vary between need-based and merit-based, which means they are awarded to students who meet specific criteria determined by the donor, like a certain GPA (grade point average) or ethnic background. In addition, some need-based scholarships may require a FAFSA to determine a student’s need. FastWeb is an online resource that helps match students with potential scholarships and the new Mesa Educates U Scholarship is a great opportunity being offered to Mesa residents.

Finally, state governments, private organizations, non-profit organizations and colleges and career schools themselves also are sources of grants and scholarships. The bottom line, Montaño says, is that there is a lot of financial aid out there but none of it will end up in your student account unless you apply for it. So, get started on the FAFSA and get to know the folks in your college’s financial aid office.

“Come in and talk to us,” he says.

I’m not losing weight on this program

Our Take: Whether you’re new to Weight Watchers or have been with us before, chances are you had one main goal in mind when you signed up: Lose weight. So, it’s frustrating when the scale doesn’t cooperate after all your hard work, even if you’re sure you did everything right.

Before we go into what you can do about it, first just take stock for a moment. Everyone on a weight loss program has periods of time when the scale doesn’t seem to cooperate. There are so many possible reasons that you can drive yourself crazy trying to identify them. If you’ve lost weight before, tThink back: Did you have other periods of where your progress slowed, or even stalled weight loss? What helped you then? Many times, it’s just a matter of time, and just like a traffic jam on a highway that inexplicably clears up without any apparent reason, you’re losing weight again. Just stick with the PointsPlus program. Our research has shown, time and time again, that it works.

And secondly, don’t confuse slow weight loss with no weight loss. People following the PointsPlus program can expect to lose between .5 and 2 pounds per week. But for some especially those closer to goal it can be at the bottom of that range, if not a little below it. Give it time. Even .2 of a pound per week adds up to more than 10 pounds in a year.

What you can do about it today

Avoid the first common pitfall

Are you guessing the PointsPlus values of the food you’re eating? Guessing PointsPlus values is a common mistake many of us make. Guessing means you’re not accurately tracking, which isn’t the best set up for success. Go through the packaged food in your pantry, calculate its PointsPlus values and write them on the box with a black marker. Scrutinize nutrition labels and become intimately familiar with the PointsPlus Tracker. Measure out your portions like you’re learning them for the first time in home economics class, and calculate the exact PointsPlus values. Invest in a food scale so you’re not eyeballing what you cheap jerseys think might be only 1 ounce of cheese, but is actually 2 for an extra 3 PointsPlus values!

Even more fundamentally, make sure you’re actually tracking diligently, trying not to let meals or days go by untracked. Be honest with yourself. Are you starting out perfectly, but come the evening getting a little sloppy and maybe “forgetting” the extra little pour of wine?

Perhaps during your first few weeks on the Plan you were focused on tracking your food. Now that paying attention to everything you eat and drink is becoming second nature, you can add more activity to your daily schedule. We recommend getting at least 30 minutes of any type of exercise each day. Walking around the neighborhood, gardening, and cleaning the house all count. Take the activity assessment to get your weekly activity PointsPlus goal, then start using the Activity Tracker make exercise a new healthy habit, and the scale should respond accordingly.

If you’ve settled into a regular exercise routine, perhaps it’s time to get unsettled. Switch up the pace, length, or type of exercise you’re doing. Your body might be accustomed to the same old thing, and stopped shedding pounds like it did when you cheap nfl jerseys first started. You might even be taking it easy without realizing it. Try a new class at the gym or set a new distance goal for your morning jog. Your muscles and your mind will benefit from the break in monotony.

Also, be realistic when you’re tracking your activity PointsPlus values. If you’re keeping up a brisk pace and breathing hard, you’re exercising at moderate intensity. High intensity is when you’re praying for death’s mercy. A 150 pound woman exercising at a high intensity for 30 minutes will earn 5 activity PointsPlus values. At moderate intensity, that number goes down to 2. If you’re not realistic about your intensity level and you’re using the activity PointsPlus values you earn, you could be eating more than twice as cheap nfl jerseys china much food as you should. Most of us exercise at moderate intensity most of the time but if you’re still in doubt, consider using a heart rate monitor for more accurate feedback on cheap jerseys from china your workouts.

Not unlike your workout routine, switching things up goes for what you’re eating, too! Even prison inmates don’t eat the same food day after day, so why would you stick to one menu just because you’re trying to lose weight? Remember: Weight Watchers is not a diet you probably realized that as soon as you started. Having the freedom to eat what we like is one of our favorite parts of the plan, so use that freedom to try new recipes, meals and snacks, as well as treating yourself to old favorites. Figure out the PointsPlus value of your favorite dessert and find a way to work it into your PointsPlus budget. Punch it into the Recipe Builder and look for a healthy substitution. The magic is in the tracking and staying in control.

That said, if the tracking part is tripping you up, then it also might be worth trying the Simply Filling technique for a day or two, especially if you’re going to be travelling or in any other situation in which tracking’s going to be tricky.Articles Connexes:

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. When the NFL receives this information, you will get an email showing the date of receipt. You will be notified within 90 calendar days if your application is approved. If you haven’t received an email within 90 days, your application has been denied. Follow all directions when you submit your ideas if your application was approved. These directions will vary depending on Elite Tyler Ennis Jersey what category your proposed item falls into. How to Get Officially Licensed to Sell NFL Merchandise The NFL is big business, with billions of dollars generated in ticket sales, TV rights and licensed merchandise every year. As a. How to Get Licensed to Sell NFL or NCAA Logo Merchandise Professional sports in the United States is big business. The four major professional Authentic Blue Evander Kane Jersey sports leagues bring in an estimated $23 billion per. NHL License Agreements How to Obtain NFL Licensing Agreements. If you want to legally Elite Ryan Oreilly Jersey sell items that represent Authentic Blue Pierre Turgeon Jersey the National Football League (NFL), Super Bowl,. How to Hook a Desktop Computer to a Hot
Defense is the mainstay of most teams in American Football. A good defense could be the deciding factor between a title winning team and any other team. Just ask the legendary Tom Landry, who Kid Matt Authentic Blue Derek Roy Jersey Moulson Jersey won so many NFL titles with the Dallas Cowboys team!Like the name suggests, they are the players that stand directly behind the line of scrimmage. Most teams use 3 or 4 linesmen depending on the game plan. The tougher linebackers line up behind the linesmen while the thinner, faster ones play on the wings and rush the ball to the offense players. There are two main defensive football formations in American Football. Which formation to take in a particular game depends largely on what positions the opposition is taking. The 4 3: The 4 3 was the formation which if not invented, was certainly adopted by Tom Landry with great success. The 4 3 looks like a more balanced formation with 2 defensive tackles in the center just behind the line of scrimmage and two defensive ends on the two sides of the tackles
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Super Bowl records. For his performance, he became only the third wide receiver to earn Super Bowl MVP honors. In 1989, San Francisco made it Replica Yeezy 350 Boost Online back to the Super Bowl, aided by Rice’s 82 receptions for 1,483 yards and 17 touchdowns during the season, and his 12 catches for 169 yards and 2 touchdowns in their 2 playoff games. He was once again a major factor in the 49ers championship win, finishing Cheap Yeezy $189 550 Boost Super Bowl XXIV with 7 catches for 148 yards and a Super Bowl record 3 touchdown receptions. Rice had another superb season in 1990, leading the NFL in receptions (100), receiving yards (1,502) and receiving touchdowns (13). In a week 6 match up with the Atlanta Falcons Rice caught a career best 5 touchdowns. San Francisco finished the year with an NFL best 14 2 record, but failed to "3 peat" as Super Bowl champions, Replica Adidas 750 For Sale losing to the New York Giants 15 13 in the NFC title game. After seasons of 80 catches for 1,206 yards and 14 touchdowns in 1991, 84 catches for 1,201 yards and 10 touchdowns

from getting cut from the Detroit Lions and thinking life over and flash forward and now you getting ready to play for a Super Bowl. There never been a story like McHugh in the NFL because there never been a team as bad as the Lions this season. This isn just worst to first, it worst ever to first. go from the lowest low to the Mens NFL Jersey Paypal Online highest high, he smiled. McHugh is a blue collar guy from outside of Cleveland. He knows how fortunate he is to play a single down in the NFL, let alone parts of four seasons with his current salary. He hesitant to compare his situation to the estimated 2.6 million Americans who lost their jobs in 2008. He wasn living check to check. He was pursuing a dream. He gets it. Still, getting fired is getting fired. The fact he never had more than a one year deal means he has more in common with the fan in the stands than many of his mega millionaire teammates. not like I have money set away so I can spend the rest of my life not working, he said. been smart and lived within
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Sign in with FacebookSign in Adrian Wilson Jersey Shopping Store with GoogleSign In FAQ You are logged in as Log outSign In FAQ Leonard Williams (Southern California) poses for a photo with NFL commissioner Roger Goodell after being selected as the number sixth overall pick to the New Patrick Peterson Jersey Shopping Store York Jets in the first round of the 2015 NFL Draft at the Auditorium Theatre of Roosevelt University.(Photo: Dennis Wierzbicki, USA TODAY Sports)Who picked up a win and who didn’t after Pat Tillman Jersey For Cheap Sale Round 1 of NFL Jersey Wholesale Online Store the 2015 NFL Cheap Jersey Shopping Store draft?Quarterbacks: After getting pulled apart and dissected in every way imaginable Authenitc NFL Jersey Online Store often justifiably so Jameis Winston and Marcus Jersey Wholesale Online Store Mariota finally came off the board in the first and second spots, respectively. No pressure, Mens NFL Jersey Paypal Online fellas. Running backs: Picked 10th by the Rams, Todd Gurley was the first tailback called in Round 1 since 2012. Melvin Gordon joined him five picks later Authenitc Pat Tillman Jersey after the Chargers moved up two slots to snare him. Philip Rivers: His future beyond 2015 may still be murky after the trade speculation that had shadowed him proved
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