pocketchangehub

College Money checklist

16 money steps for each school year, from FAFSA to finals.

Track your progress with a free accountGet the free Semester Budget Workbook

Financial aid

Every year.

  • File the FAFSA early, free, at StudentAid.gov Guide
  • Separate free money from loans in your aid offer Guide
  • Apply for three local or department scholarships Guide
  • Plan your aid refund before it arrives Guide

Student loans

Borrow carefully.

  • Use federal loans before private ones Guide
  • Accept only the loan amount you need Guide
  • Know which loans are subsidized or unsubsidized Guide
  • Estimate future payments with the loan simulator Guide

Semester budget

Make it last until finals.

  • Write a semester budget and a weekly amount Guide
  • Choose a meal plan that fits how you eat Guide
  • Check the syllabus before buying textbooks Guide
  • Check student transit, phone and software discounts Guide

College life

Build good habits.

  • Use a first credit card for one bill, paid in full Guide
  • Look into work-study or a campus job Guide
  • Never share your FSA ID or pay for free aid help Guide
  • Set a summer savings goal Guide