Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43 Page 44 Page 45 Page 46 Page 47 Page 48 Page 4930 Smart Talk (Don’t Get Scammed) The saying, "It takes money to make money" certainly doesn’t apply when it comes to finding money to pay for college. You should NEVER pay anyone to help you: • Complete the FAFSA or any scholarship applications • Determine your repayment options or service your loan • Search for scholarships or other financial aid Don’t fall for misleading offers about how an organization can help you find grants and scholarships for a fee. Be on the lookout for "hooks" like: We’ll do all the work. The scholarship is guaranteed or your money back. I just need your credit card or bank account number to hold this scholarship. This scholarship will cost some money. You can’t get this information anywhere else. “You’ve been selected” or “You are a finalist” for a scholarship you have never applied for. You must apply yourself and the financial aid forms are not complicated. No one can guarantee you will receive a scholarship. You should never be required to provide this information to legitimate providers. You should never pay a fee for someone to give you free money for college. You have the access to the same information about financial aid options. If you didn’t apply for it, you can’t get it. THE "BAIT" THE TRUTH