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</o:shapelayout></xml><![endif]--></head><body bgcolor=white background="cid:image001.jpg@01CC5C46.A3FAA3C0" lang=EN-US link=blue vlink=purple><img src="cid:image001.jpg@01CC5C46.A3FAA3C0" v:src="cid:image001.jpg@01CC5C46.A3FAA3C0" v:shapes="_x0000_Mail" width=0 height=0 class=shape style='display:none;width:0;height:0'><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'>Students: Are you looking for other sources of funds to help defray the costs of attending this academic year?<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'>Everyone: Do you know of a student who is looking for other sources of funds to help defray the costs of attending this academic year?<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'>The College Access Loan (CAL</span></b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'>) through the Texas Higher Education Coordinating Board provides an alternative type of educational loans to Texas students to attend college and universities in Texas. Students do not have to demonstrate financial need to receive these loans, which may be used to cover all or part of a student’s Expected Family Contribution. Undergraduate dependent students who are issued a Parent PLUS Loan and the parent does not want to apply for the Parent PLUS Loan may apply for the CAL. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'>Who can apply?<o:p></o:p></span></b></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'>Students must be<o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo1'><![if !supportLists]><span style='font-size:11.0pt;font-family:Symbol;color:black'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'>a Texas resident, <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo1'><![if !supportLists]><span style='font-size:11.0pt;font-family:Symbol;color:black'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'>be enrolled in a course of student leading to an associate’s or higher degree at least half-time basis or an approved Alternative Educator Certification Program <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo1'><![if !supportLists]><span style='font-size:11.0pt;font-family:Symbol;color:black'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'>must meet financial aid standards of academic progress requirements <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo1'><![if !supportLists]><span style='font-size:11.0pt;font-family:Symbol;color:black'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'>must receive a favorable credit evaluation or provide a cosigner who has good credit standing and meets other requirements. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'>Students may borrow up to the cost of attendance minus any other financial aid. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'>For further information on interest rate, cosigner eligibility, and application process, visit <b><a href="http://www.hhloans.com/index.cfm?ObjectID=21A41908-C7D3-A868-66FB91774CF078CB">The College Access Loan (CAL</a>) </b>at the Texas Higher Education Coordinating Board site. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:black'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-size:18.0pt;font-family:"Rage Italic";color:#365F91'>Maria del C. Ramos<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Century Gothic","sans-serif";color:#0D0D0D'>Director, Office of Financial Aid and Scholarships<br>Texas A&M University-Commerce<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Century Gothic","sans-serif";color:#0D0D0D'>PO Box 3011</span><span style='font-size:10.0pt;font-family:"Century Gothic","sans-serif";color:#0D0D0D'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Century Gothic","sans-serif";color:#0D0D0D'>Commerce, TX 75249-3011<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Century Gothic","sans-serif";color:#0D0D0D'>Phone: 903-886-5091<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Century Gothic","sans-serif";color:#0D0D0D'>Fax: 903-886-5098<br></span><b><span style='font-size:9.0pt;font-family:"Century Gothic","sans-serif";color:#365F91'>http://web.tamu-commerce.edu/<br></span></b><span lang=EN style='font-size:8.0pt;font-family:"Calibri","sans-serif";color:black'>“Most business men generally are so busy coping with immediate and piecemeal matters that there is a lamentable tendency to let the "long run" or future take care of itself. We often are so busy "putting out fires," so to speak, that we find it difficult to do the planning that would prevent those fires from occurring in the first place. As a prominent educator has expressed it, Americans generally "spend so much time on things that are urgent that we have none left to spend on those that are important."</span><span lang=EN style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:black'><o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span lang=EN style='font-size:8.0pt;color:black'> </span><i><span style='font-size:8.0pt;color:black'>Gustav Metzman<o:p></o:p></span></i></p><p class=MsoNormal><b><span style='font-size:9.0pt;font-family:"Century Gothic","sans-serif";color:#365F91'><o:p> </o:p></span></b></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Century Gothic","sans-serif";color:#A88420'>Please take a minute to complete our </span><span style='font-size:10.0pt;font-family:"Century Gothic","sans-serif";color:#244061'><a href="http://web.tamu-commerce.edu/audience/onestopshop/"><span style='color:#244061'>We Care</span></a></span><span style='font-size:10.0pt;font-family:"Century Gothic","sans-serif";color:#A88420'> survey online and let us know how we are doing!<o:p></o:p></span></p><p class=MsoNormal><b><span style='font-size:9.0pt;font-family:"Century Gothic","sans-serif";color:#365F91'><o:p> </o:p></span></b></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Century Gothic","sans-serif";color:#0D0D0D'><img border=0 width=85 height=85 id="Picture_x0020_1" src="cid:image002.png@01CC5C46.A3FAA3C0" alt="Description: SpiritLogo.emf"><o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p> </o:p></span></p></div></body></html>