On this page, we will provide helpful information regarding financial aid, loans and repayment. You will find general information on loans and what aid you qualify for, how to best budget your expenses, and helpful tools to assist with your repayment.

Finding Out the Cost & Learning to Budget

Money Mondays (Financial Literacy sessions for students): Budgeting

Get smart about money! Are you aware of your spending habits? Are you living within your means? If not, do you know where to look for adjustments to your spending habits? This session will give you information and tools on how to budget your finances and effectively see where your money is going. This session will last approximately 30 minutes.

Budget Planner

This is a useful tool to track your income and expenses while you are in-school or in loan repayment.  Creating a budget  can save you money.

Preparing for College Financially

The office of Federal Student Aid provides publications, fact sheets, online tools, and other resources to help you prepare and pay for college or career school

Cost of Education

This resource will provide you with an up-to-date estimate of the cost of your education here at the Conservatory. Another

Jumpstart Financial Literacy

Become familiar with how to be financially smart, both in terms of managing your loans and your personal finances.

Federal Government Resources:

  • Federal Student Aid Information: This is a great resource for students throughout the entire Financial Aid process, from seeing what aid they qualify for, all the way to advice on loan repayment.
  • Guide to Federal Student Aid
  • National Student Loan Data System: This is a great resource, which will provide you with information regarding all your loans, show you your entire loan history, and give you contact information for your servicer so that you can begin repayment.

Looking Ahead to Repayment:

Mapping Your Future: This website is a great resource for those starting to look towards their future, financially speaking. On this site, you can explore careers, prepare for college (help with selecting a school and applying for admission), pay for college (financial aid), and manage your money (student loans and more).

Repayment Information : Learn more about the many flexible repayment plans that are available for your loans. This information will help you choose a repayment plan that is best for you and your financial situation.  Learn the basics of repayment by reading this informational packet sent out by the Federal Student Aid Committee.

Direct Loan Consolidation: If you have multiple loans, you can simplify your payments by consolidating all your loans and making one payment to one servicer every month. Click the link above to learn if you are eligible for loan consolidation and how to apply.

Avoiding Default and Delinquency: Learn what delinquency and default is and how to make sound financial decisions to avoid both.

Avoiding Identity Theft: Identity theft occurs when a person commits fraud by posing as someone else. The threat of identity theft is real and can take months or even years to recover from. Learn how to take precautions to avoid becoming a victim of identify theft and what to do if it does happen to you.

Education Credits:  Education tax credits can help offset the costs of education.  The American Opportunity (Hope Credit extended) and the Lifetime Learning Credit are education credits you can subtract in full from the federal income tax, not just deduct from taxable income.  Learn about these Educational credits and others that maybe available to you and your parents.