Frequently Asked Questions

 In order to receive the highest amount of aid, you should submit your Free Application for Federal Student Aid (FAFSA) as soon as possible as of October 1st of the year before you will be attending college. This is because most colleges award some kinds of aid on a first-come, first-served basis. Colleges can and will check to see when you submitted your FAFSA and will award aid accordingly. 

 The maximum amount of money you can get from a Pell Grant is: $7,395 (2025-26). The amount granted depends on your Expected Family Contribution (EFC), cost of attendance, your status as a full-time or part-time student, and your plans to attend school for a full academic year or less.  

  You can borrow as much as you need. Unlike other types of federal student loans, Parent PLUS Loans have virtually no limits when it comes to borrowing. You can borrow up to the cost of attendance minus any other financial aid received. 

If you’re filling out the FAFSA for the 2025-2026 school year, you’re considered a dependent student if the following applies:

• You were born after Jan. 1, 2002.
• You’re not married.
• You’re not working on either a master’s or doctorate degree.
• You don’t have children or dependents who receive at least half their financial support from you.
• You’re not currently serving on active duty in the U.S. armed forces.
• You’re not a veteran.
• Your parents aren’t deceased.
• You’re not in foster care, and you’re not a ward of the court.
• You’re not an emancipated minor.
• You’re not an unaccompanied youth who is homeless or self-supporting and at risk of being homeless.

If you’re an undergraduate dependent student, you might qualify for either Direct Subsidized or Unsubsidized Loans. You might also be able to apply for a parent plus loan to help fill any gaps.

To qualify for PSLF, you must

• be employed by a U.S. federal, state, local, or tribal government or not-for-profit organization (federal service includes U.S. military service);
• work full-time for that agency or organization;
• have Direct Loans (or consolidate other federal student loans into a Direct Loan)
• repay your loans under an income-driven repayment plan; and
• make 120 qualifying payments.

To ensure you’re on the right track, you should submit a Public Service Loan Forgiveness (PSLF) & Temporary Expanded PSLF (TEPSLF) Certification & Application (PSLF Form) annually or when you change employers.

• Ineligible for income-driven repayment or federal forgiveness.
• Interest rates might be variable.
• No federal subsidy.
• A cosigner with a FICO score of at least 680 may be necessary.
• Private debt isn't always discharged after death.

Yes, but you will need to resolve the default first. We can assist you with enrolling in a rehabilitation program or consolidate your loan debt to resolve the default. This process may take up to four weeks in some cases  nine months depending on your status.