Orientation

• Job satisfaction

• Networking

• Personal Development

• Employer Interest

• Career Advancement

• Industry Expertise

• Higher Income

• Employment Benefits

• Advantages for your family

• More job opportunities

• Job security

• Scholarship's

• Private Loan's

Other Aid

• Pell Grant

• MAP Grant

• Federal Loans

• SEOG

FAFSA

Special Circumstances

Income changed for 2021:

• Divorce

• Death of a parent

• Loss of employment

• Change in work hours

• Change in untaxed income

​Federal Work Study

-Provides part-time jobs for undergraduate and graduate students who need financial assistance.

• Student worker positions- www.rlc.edu/jobs

• Apply online- through the RLC website to be redirected to Web corp

​SAP (Satisfactory Academic Progress)

• Completion rate= Earned ÷ Attempted

• Completion ratio MUST be at least 67% or higher

• Maintain a 2.0 GPA

• 1st semester Warning → 2nd semester Suspension

​Why would I have a refund?

• Overpayment

• Drop with a refund

• Leftover aid

• Purchasing:

Cell phone, Mortgage, Car, renting an apartment, etc

Who views your Credit Report

• Name, Address, social

• Credit cards

• Loans

• Debt

• Paying on time or late

Summary of your credit history

Video

​How can I raise my score?

• Pay credit cards more frequently

• Pay on time

• Pay the entire bill, don't leave a balance

• Keep unused credit cards open

• Request a credit line increase

Borrowing Money.. How does it work?

Video

• Stops overspending

• Meet objectives or goals

• Increase savings

• Tool for decision making

• Deciding what type of budget

• Keeps you organized

• Stay out of debt

• Prepare for emergencies

Identity Theft

Someone steals information about you, without your permission.

• Name and address

• Social, credit cards or bank accounts

• Medical Insurance

Tips to protect your identity

• Don't throw away sensitive information

• Read your mail

• Check your budget, bank accounts, etc

• Credit Report

• Don't answer fishy emails or text messages

• Don't carry your SS card

• Don't email your SS

Stolen Identity

• File a police report

• Contact your bank to freeze accounts and cards

• Place fraud alert on your credit report

• Report it to the Federal Trades Commission (FTC)

→www.identitytheft.gov

→877-438-4338