You will need to complete and submit a Free Application for Federal Student Aid (FAFSA) Please visit www.fafsa.ed.gov.

Need Analysis The process of analyzing a student's financial need, known as need analysis, focuses on determining how much the family reasonably can be expected to contribute towards the student's education. Traditionally, determination of an applicant's need is achieved by collecting information about the family's income, assets, and living expenses. For the federal student aid programs, the law specifies a need analysis formula that produces the Expected Family Contribution (EFC). The EFC and the college's cost of attendance are used by the postsecondary school to establish the student's need as well as to award grants, campus-based aid, and subsidized loans. The college might ask you to complete other paperwork to determine your need for non-federal aid.

Loans must be accepted and outstanding requirements completed no later than four weeks before the end of the term.

The deadline for Summer/Fall is April 1st and the deadline for Spring is November 1st.

Grants, loans, scholarships and work-study

Go to http://www.fafsa4caster.ed.gov/what011.htm . This link will provide you with information on how to apply and what is federal student aid.

Subsidized: Eligibility based on financial need. Loan interest is paid on your behalf by the government while you are enrolled at least half-time and during grace or deferment periods. Unsubsidized: Eligibility is not based on financial need. Loan interest accrues within sixty days of disbursement and can be paid while you are in school, or deferred until you begin repayment. Interest is capitalized and added to the principal amount outstanding, if you choose the deferred option.

Accept loans in OASIS Complete Entrance Interview- required for all first time borrows Actively enrolled with at least half time status Meeting Satisfactory Academic Progress Complete Master Promissory Note

After January 1st of each calendar year.

March 1st of each year.

Forms can be located at http://usfweb2.usf.edu/finaid/forms.html

Please submit forms to the Office of Financial Aid, Lakeland Technology Building 1139.