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<p class="MsoNormal" style="text-autospace:none"><span style="font-size:11.5pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Spring semester, 2018 is quickly coming to a close.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">This is the perfect time to do a bit of financial aid housekeeping.
<o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Graduating this May?
<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">If so, congratulations! You are closing one chapter and starting another one. &nbsp;<o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Review your financial aid history</span></b><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">, especially if you have borrowed federal student loans.
<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo1"><![if !supportLists]><span style="font-family:Symbol"><span style="mso-list:Ignore">&middot;<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Visit
<a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__studentloans.gov_myDirectLoan_index.action&d=DwMFAg&c=oqyuZuih6ykib6aKiBq22_bich4AVfYGoLertJN0bEc&r=d7mEB2p2506frt6QpEuAWJ8K3NYabkARjALZdNKKn6A&m=rGociwPW9Ey9iLFZlRYgrAva-h2aJ_PjFJdqRgz8PeM&s=1D9i0fIq2AIAb-HA9o_DPP0ZW3fs8Xhh_KzaSxxm9c4&e=">studentloans.gov</a> and log in to your account using your FSA ID.
<o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Want to know how much you borrowed over time?
<o:p></o:p></span></b></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo1"><![if !supportLists]><span style="font-family:Symbol"><span style="mso-list:Ignore">&middot;<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">At
<a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__studentloans.gov_myDirectLoan_index.action&d=DwMFAg&c=oqyuZuih6ykib6aKiBq22_bich4AVfYGoLertJN0bEc&r=d7mEB2p2506frt6QpEuAWJ8K3NYabkARjALZdNKKn6A&m=rGociwPW9Ey9iLFZlRYgrAva-h2aJ_PjFJdqRgz8PeM&s=1D9i0fIq2AIAb-HA9o_DPP0ZW3fs8Xhh_KzaSxxm9c4&e=">studentloans.gov</a> you will see all the federal student loans you received at each and every school you ever attended regardless of how long ago these happened, regardless of the name(s) you have
 used. It&#8217;s all in one neat section. <o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Want to know your repayment options?<o:p></o:p></span></b></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo1"><![if !supportLists]><span style="font-family:Symbol"><span style="mso-list:Ignore">&middot;<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Again,
<a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__studentloans.gov_myDirectLoan_index.action&d=DwMFAg&c=oqyuZuih6ykib6aKiBq22_bich4AVfYGoLertJN0bEc&r=d7mEB2p2506frt6QpEuAWJ8K3NYabkARjALZdNKKn6A&m=rGociwPW9Ey9iLFZlRYgrAva-h2aJ_PjFJdqRgz8PeM&s=1D9i0fIq2AIAb-HA9o_DPP0ZW3fs8Xhh_KzaSxxm9c4&e=">studentloans.gov</a>. Here you will find such topics:<o:p></o:p></span></p>
<p class="MsoListParagraph" style="margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo1">
<![if !supportLists]><span style="font-family:&quot;Courier New&quot;"><span style="mso-list:Ignore">o<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;
</span></span></span><![endif]><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Loan services; the agencies that will handle your loan(s) after graduation<o:p></o:p></span></p>
<p class="MsoListParagraph" style="margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo1">
<![if !supportLists]><span style="font-family:&quot;Courier New&quot;"><span style="mso-list:Ignore">o<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;
</span></span></span><![endif]><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Understanding Repayment; when to start repayment, the various options available based on your loan history and your unique cases<o:p></o:p></span></p>
<p class="MsoListParagraph" style="margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo1">
<![if !supportLists]><span style="font-family:&quot;Courier New&quot;"><span style="mso-list:Ignore">o<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;
</span></span></span><![endif]><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Deferment/Forbearance/Forgiveness/Cancellation/ etc.
<o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Exit Counseling;</span></b><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">
<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo1"><![if !supportLists]><span style="font-family:Symbol"><span style="mso-list:Ignore">&middot;<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">This is a requirement you need to complete as part of your responsibility as a student borrower<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo1"><![if !supportLists]><span style="font-family:Symbol"><span style="mso-list:Ignore">&middot;<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">This is a requirement even if you are going to pursue another degree at A&amp;M-Commerce<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">And, of course,
<b>Understanding Default</b><o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l2 level1 lfo2"><![if !supportLists]><span style="font-family:Symbol"><span style="mso-list:Ignore">&middot;<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">What it is. When it happens. Why it happens.
<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l2 level1 lfo2"><![if !supportLists]><span style="font-family:Symbol"><span style="mso-list:Ignore">&middot;<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">But most important of all &#8211; how to avoid default!<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><o:p>&nbsp;</o:p></span></p>
<p class="MsoNormal"><b><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">If you are not yet graduating</span></b><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">, this is also a good time to review your full loan history to plan ahead:<o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Undergraduate and Graduate student borrowers<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Know how much you borrowed at each school you ever attended<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Know ow much you borrowed overall and how much borrowing power you will have<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Check out the Repayment Estimator for average payments based on how much debt you have to date<o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Undergraduate students pursuing your 1<sup>st</sup> bachelor&#8217;s degree<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Check your Financial Aid History at NSLDS
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">If you received a Pell Grant at any school at any time, during your college career a visit to Financial Aid History at NSLDS is a good start. Here you will find;<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l1 level1 lfo3"><![if !supportLists]><span style="font-family:Symbol"><span style="mso-list:Ignore">&middot;<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">How much Federal Pell Grant you receive at each school<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l1 level1 lfo3"><![if !supportLists]><span style="font-family:Symbol"><span style="mso-list:Ignore">&middot;<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span></span><![endif]><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">How much federal Pell Grant you have remaining.
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<p class="MsoNormal"><b><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><o:p>&nbsp;</o:p></span></b></p>
<p class="MsoNormal"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Be empowered! Be aware of your financial aid! The resources are at your fingertips!<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;">Be an informed consumer!<o:p></o:p></span></p>
<p class="MsoNormal"><o:p>&nbsp;</o:p></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;">Maria del C. Perez-Ramos, Director
<br>
</span></b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;">Financial Aid and Scholarships<br>
</span><a href="mailto:Maria.ramos@tamuc.edu" target="_blank"><span style="font-size:9.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;color:blue">Maria.ramos@tamuc.edu</span></a><u><span style="font-size:9.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;color:blue"><br>
</span></u><span style="font-size:10.5pt"><br>
</span><span style="font-size:9.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;">Mail: &nbsp;P.O. Box 3011 | Commerce, TX &nbsp;75429<br>
Ship: &nbsp;2600 South Neal Street | Commerce, TX &nbsp;75428<br>
Tel: &nbsp;</span><a href="tel:903.886.5091" target="_blank"><span style="font-size:9.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;color:blue">903.886.5091</span></a><span style="font-size:9.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;"> | Fax: &nbsp;</span><a href="tel:903.886.5098" target="_blank"><span style="font-size:9.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;color:blue">903.886.5098</span></a><span style="font-size:9.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;">
 | </span><a href="http://www.tamuc.edu" target="_blank"><span style="font-size:9.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;color:blue">www.tamuc.edu</span></a><u><span style="font-size:9.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;color:blue"> &lt;</span></u><a href="http://www.tamuc.edu/" target="_blank"><span style="font-size:9.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;color:blue">http://www.tamuc.edu/</span></a><u><span style="font-size:9.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;color:blue">&gt;
<br>
</span></u><a href="http://www.tamuc.edu/financialaid" target="_blank"><span style="font-size:9.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;color:blue">http://www.tamuc.edu/financialaid</span></a><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;color:#1F497D"><o:p></o:p></span></p>
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