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<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">This Fall 2016 semester is coming to a close very soon.<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">When was the last time you reviewed your financial aid history?<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">This is the perfect time to do a bit of financial aid housekeeping.<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><b><span style="font-size:11.5pt;font-family:"Calibri-Bold","sans-serif";color:black"><br>
If you are graduating? Congratulations!<o:p></o:p></span></b></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">Review your loan history at
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:blue">studentloans.gov</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">/ Tools and Resources/My Financial Aid History<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:Symbol;color:black">·
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">Want to know how much you have borrowed over time?<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">Here you will see all the federal student loans and federal Pell Grant received at each and<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">every school you ever attended regardless of how long ago these happen, regardless of the<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">name(s) you have used. It’s all in one neat section.<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:Symbol;color:black">·
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">Want to know your repayment options?<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:blue">Studentloans.gov
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">/ Managing Repayment / Repaying Your Loans is a great start.<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">Here you will find such topics:<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:Symbol;color:black">·
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">Loan Servicers; the agencies that will handle your loan(s) after graduation<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:Symbol;color:black">·
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">Understanding Repayment: when do you start repayment<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:Symbol;color:black">·
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">Repayment Plans; the various options available based on your loan history and your unique<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">cases<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:Symbol;color:black">·
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">Deferment/Forbearance/Forgiveness/Cancellation/ etc.<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:Symbol;color:black">·
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:blue">Exit Counseling: a requirement you need to complete as part of your responsibility as a<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:blue">student borrower<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">And, of course,
<b>Understanding Default</b>.<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:Symbol;color:black">·
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">What it is?<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:Symbol;color:black">·
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">When it happens?<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:Symbol;color:black">·
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">Why it happens?<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">And the most important topic
<b>How to Avoid Default</b>!<br>
<br>
<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><b><span style="font-size:11.5pt;font-family:"Calibri-Bold","sans-serif";color:black">If you are not yet graduating, this is also a good time to review your full loan history to plan<o:p></o:p></span></b></p>
<p class="MsoNormal" style="text-autospace:none"><b><span style="font-size:11.5pt;font-family:"Calibri-Bold","sans-serif";color:black">ahead:<o:p></o:p></span></b></p>
<p class="MsoNormal" style="text-autospace:none"><b><span style="font-size:11.5pt;font-family:"Calibri-Bold","sans-serif";color:black">Undergraduate and Graduate student borrowers<o:p></o:p></span></b></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:Symbol;color:black">·
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">Know how much you borrowed at each school you ever attended<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:Symbol;color:black">·
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">Know how much you borrowed overall and how much borrowing power you will have<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;text-autospace:none"><span style="font-size:11.5pt;font-family:Symbol;color:black">·
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">Check out the
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:blue">Repayment Estimator
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">for average payments based on how much debt you<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">have to date<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><b><span style="font-size:11.5pt;font-family:"Calibri-Bold","sans-serif";color:black"><br>
Undergraduate students pursuing your 1</span></b><b><span style="font-size:9.0pt;font-family:"Calibri-Bold","sans-serif";color:black">st
</span></b><b><span style="font-size:11.5pt;font-family:"Calibri-Bold","sans-serif";color:black">bachelor’s degree<o:p></o:p></span></b></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">Check your
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:blue">Financial Aid History at NSLDS<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">If you received a Pell Grant at any school, at any time, during your college career a visit to
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:blue">Financial<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:blue">Aid History at NSLDS
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">is good start. Here you will find<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:Symbol;color:black">·
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">How much Federal Pell Grant you received at each school<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:Symbol;color:black">·
</span><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">How much Federal Pell Grant you have remaining<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black"><br>
Be empowered! Be aware of your financial aid! The resources are at your fingertips! Be an informed<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.5pt;font-family:"Calibri-Light","sans-serif";color:black">consumer!</span><o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">Maria del C. Perez-Ramos, Director
<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">Financial Aid and Scholarships<br>
</span><u><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:blue"><a href="mailto:Maria.ramos@tamuc.edu" target="_blank">Maria.ramos@tamuc.edu</a><br>
</span></u><span style="font-size:10.5pt"><br>
</span><span style="font-size:9.0pt;font-family:"Arial","sans-serif"">Mail: P.O. Box 3011 | Commerce, TX 75429<br>
Ship: 2600 South Neal Street | Commerce, TX 75428<br>
Tel: <a href="tel:903.886.5091" target="_blank">903.886.5091</a> | Fax: <a href="tel:903.886.5098" target="_blank">903.886.5098</a> |
<u><span style="color:blue"><a href="http://www.tamuc.edu" target="_blank">www.tamuc.edu</a> <<a href="http://www.tamuc.edu/" target="_blank">http://www.tamuc.edu/</a>>
<br>
<a href="http://www.tamuc.edu/financialaid" target="_blank">http://www.tamuc.edu/financialaid</a><br>
</span></u></span><span style="font-size:10.0pt"><br>
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<b><i><span style="color:#1E487C">Please take a minute to complete our </span>We Care</i></b> <<u><span style="color:blue"><a href="http://www.tamuc.edu/admissions/oneStopShop/weCare.aspx%3E" target="_blank">http://www.tamuc.edu/admissions/oneStopShop/weCare.aspx></a>
</span></u><b><i><span style="color:#1E487C">survey online and let us know how we are doing!<br>
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