Understanding Your Aid
Gift aid (grants + scholarships) is free money. Loans must be repaid with interest. Focus on NET PRICE after gift aid, not the sticker price!
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Understanding Your Numbers
- Net Price = Total Cost - Grants - Scholarships - Work Study (what you actually pay)
- Reasonable Debt: Total 4-year debt shouldn't exceed your expected first-year salary
- Red Flags: Monthly payments over $400, total debt over $40K, parent loans over $20K
- Consider: Can you appeal for more aid? Are there outside scholarships available?