| Navigating Your Financial Future |
| The OSFA Default Prevention program, Navigating Your Financial Future was created to assist schools, students, lenders, and parents with the resources needed to increase their knowledge of default prevention and debt management practices. |
| Navigating Your Financial Future can be incorporated on a Middle and High School level so that students are well equipped as they begin their College career. |
| Navigating Your Financial Future is available on the web (in both English and Spanish) and in print (see a breakdown of the brochures that are available below). Also, our Navigating Your Financial Future Representatives are available to present sessions on all of the topics listed below. |
- Financial Aid
- The Financial Aid Brochure provides information about options to pay for college. To supplement costs, most students take out loans to pay for college. There are a variety of loans available through the state, federal government, and private institutions that provide money for school. These loans have low interest rates that can be repaid over a longer period of time after graduation. This section of the website outlines financial aid in the form of gifts that you may want to explore further as helpful ways to cut back on the amount you will need to borrow.
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- Career Planning
- The Career Planning Brochure provides students and graduates with information about how their career choices directly impact their ability to make payments on their student loans. Earning a degree or certificate or taking courses after high school will not only build your knowledge, but also gives you stronger skills for your career. Working toward and completing an education is the biggest step to achieve the career and salary you desire. With a career and steady salary, you can budget for consistent, timely, loan payments and avoid defaulting on your student loan. The information in this section is designed to give you tips and ideas for your career. This section guides you on how to choose the right career path as you navigate through your financial future.
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- Repayment of Your Student Loan
- The Repayment of Your Student Loan Debt Brochure is a great resource as you are choosing to continue your education, go back to school, and accomplish goals you set for yourself. These are some of the most important decisions you can make for yourself and your future! However, unless you are one of the few students who can actually pay out of pocket for education costs, you will have to repay student loans. With more student loan options to meet the rising cost of education, access to a postsecondary education is more readily available.
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- School Life Management
- The School and Life Management Brochure creates awareness of the challenges for both traditional and non-traditional students as they decide to attend school. As you decide to return to school, start school for the first time, or take a break from school, you need to think about the decision as it relates to your life situation. Many of us have families, work, community involvement, or extracurricular activities. We have a variety of pressures and responsibilities that require time and effort.
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- Managing Your Credit
- The Managing Your Credit Brochure creates awareness for students about different types of credit. It defines "good credit" and provides instructions on how to get information about credit scores and credit reports. The concept helps students understand how their credit profile and score impacts their ability to achieve financial and personal goals.
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- Managing Your Budget
- The Managing Your Budget Brochure is the foundation of achieving your financial goals while maintaining your day-to-day living expenses. To attain financial success, mastering the skill of budgeting is the first step your can take. This will allow your money to work for you. Budgeting also empowers you to be a better "money manager" and make better decisions on maximizing the power of your money to pay back your student loans either while you are in school or after you have completed school.
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| Also, check out the Helpful Links section. This section is an important resource for students and their families. This section links to government websites as well as many other useful sites that provide information on how to Navigate Your Financial Future. The Helpful Links are listed in categories based on specific topics to make your search easier and faster. |
| All of Navigating Your Financial Future's products and services are FREE. To order supplies online, click here. (You must be a registered user to access the online order form. To become a registered user, click here.) You may also order or learn more about Navigating Your Financial Future's products or services by contacting your Navigating Your Financial Future Representative or your OSFA Outreach Representative. |
