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Banking Budgeting Cars Credit Cards
Credit Reports & Credit Scores Debt Employment Food
Fraud, Theft, & Scams Home Ownership & Mortgages Insurance International Students
Mental Health Military & Veterans Miscellaneous Money Management Overview
Resources for Check Out Retirement & Investing Scholarships Spanish Resources
Student Loans Taxes

Banking

Banking in a High-Tech World
PDF Online
Practical tips on protecting your credit and debit cards, what to know if criminals disrupt a bank’s internet services, and using technology to remain financially fit
Checklist for Opening a Bank or Credit Union Account
Printed PDF
A guideline for the proper steps you need to take before opening a bank or credit union account
Do You Know if You Have Opted in for Debt and ATM Overdraft Coverage?
PDF
Shows what an overdraft is, what you should know about fees, and how to avoid those fees
Electronic Banking Booklet
Printed PDF Online
Electronic fund transfers; disclosures; errors; lost or stolen ATM or Debit Cards; overdraft for one-time debit card transactions and ATM cards; limited stop-payment privileges; additional rights
Electronic Check Conversion
Online
Provides info on what Electronic Check Conversion is and general information regarding it
FDIC Insured Deposits
PDF
Your Insured Deposits is a comprehensive description of FDIC deposit insurance coverage for the most common account ownership categories
Getting the Most from Your Bank Account
PDF
How to choose what’s best for you, what to know about payment cards, things to consider before changing banks
Keep a Lid on Checking Account Fees
PDF
You may not be able to eliminate all the fees charged by your bank or credit union, but this guide shows six steps to reduce the number or amount of fees you pay
Moving Your Checking Account Checklist
PDF
Moving your checking account to another bank? This 10-step checklist will help smooth your move and avoid accidental bounced checks or other disruptions
Opening a Bank Account Handout
Printed Online
How do I choose a bank or credit union, how do I avoid fees on my accounts
Preventing and Managing Overdraft Fees
PDF
How to avoid costly overdraft fees
Protecting Yourself from Overdraft and Bounced Check Fees
PDF Online
How overdrafts and bounced checks happen and what you can do to avoid them
Selecting Financial Products and Services
Printed PDF
This guide explains the different financial products or services that can help you meet a specific goal or need
Using Debit Cards Handout
Printed Online
How to choose a debit card and how to protect the debit card
When a Bank Fails
Online
What is a bank failure as well as the role and purpose of the FDIC

Budgeting


Cars- Loans, Repairs, and Purchasing

Auto Repair Basics
Printed PDF
How to choose a repair shop, how to choose a technician, unlocking the mystery of repair charges, preventive maintenance, protecting your auto repair investment
Buying a Used Car Booklet
Printed PDF Online
What you should do before buying a used car, your payment options, warranties, service contracts, pre-purchase independent inspection, sample buyers guide
Buying a Used Car Video
Video
This video has helpful hints for when you're in the market for a used car
Car Title Loans
Printed Online
What you should do before you get a car title loan, how you choose to borrow the money, what do to after
Financing a Car
Video
This FTC video gives tips and tricks on how to finance a vehicle purchase
Fuel Economy Guide- Model Year 2014
PDF
The U.S. Environmental Protection Agency (EPA) and U.S. Department of Energy (DOE) produce the Fuel Economy Guide to help car buyers choose the most fuel-efficient vehicle that meets their needs
Fuel Economy Guide- Model Year 2013
PDF
The U.S. Environmental Protection Agency (EPA) and U.S. Department of Energy (DOE) produce the Fuel Economy Guide to help car buyers choose the most fuel-efficient vehicle that meets their needs
Fuel Economy Guide- Model Year 2012
PDF
The U.S. Environmental Protection Agency (EPA) and U.S. Department of Energy (DOE) produce the Fuel Economy Guide to help car buyers choose the most fuel-efficient vehicle that meets their needs
Fuel Economy Guide- Model Year 2011
PDF
The U.S. Environmental Protection Agency (EPA) and U.S. Department of Energy (DOE) produce the Fuel Economy Guide to help car buyers choose the most fuel-efficient vehicle that meets their needs
How to Check Your Tire Pressure and Inflate Your Tires
Online
This article tells you how you can check your tires and inflate them if necessary
How to Get a Great Deal on a New Car
PDF Online
This includes: what to do if the dealers don’t give you a fair price, how you should deal with trade-in, financing, and other extras, if it’s a right time to buy a car, how rebates and incentives work
How to Rotate Your Tires
Online
This article tells you why, how, and when you should rotate your tires
Leasing a Car
Online
Under the federal Consumer Leasing Act, you, the consumer, have a right to information about the costs and terms of a vehicle lease. This information will help you compare lease offers and negotiate a lease that best fits your needs, budget, and driving patterns
Spotting Deceptive Car Ads
Video
This video gives you all the information you need to spot deceptive car ads
Taking the Scare out of Auto Repair
Printed
How to choose a repair shop, how to find the right technician, preventive maintenance, protecting your auto repair investment
Understanding Car Add-Ons
Video
This FTC video explains that you should research car add-ons before you get to the dealership to get the best deal.
Vehicle Theft Prevention: What Consumers Should Know
Printable PDF
The Department of Transportation’s (DOT) National Highway Traffic Safety Administration (NHTSA) establishes, implements and enforces vehicle antitheft regulations. NHTSA has set the standard to help consumers and vehicle owners address the vehicle theft problem for more than 25 years
9 Ways to Lower Your Auto Insurance Costs
PDF Online
One of the best ways to keep your auto insurance costs down is to have a good driving record. Listed in this guide are other things you can do to lower your insurance costs

Credit Cards

Act fast if You Can’t Pay Your Credit Cards
Printed PDF
Steps to take if your credit card bill cannot be paid
Billed for Merchandise You Never Received?: Here's What to Do
PDF Online
The Fair Credit Billing Act (FCBA) and the Mail or Telephone Order Merchandise Rule offer protections and procedures for consumers so they don't have to pay for merchandise they ordered but never received
Choosing a Credit Card Handout
Printed
A guide to figuring out which credit card is best for you in your current financial situation and a list of important credit card terms
Credit Card Tips
PDF
Properly managing a credit card is a big responsibility. Credit cards can help establish and improve your credit score if they’re used properly. They can also damage your credit score and get you into serious debt if you don’t know what you’re doing. Use the tips in this guide to make sound financial decisions
Credit Rules Bookmark
Printed Online
Basic tips on credit cards
How to Find the Best Credit Card
Printed PDF
This guide helps you decide what credit card is best for you. By helping you decide how you plan to use the card, knowing what to compare, how to shop around and look for better deals, and how to transfer your account with care
How to Fix Mistakes in Your Credit Card Bill Handout
Printed PDF
A list of five steps to take if you need to dispute incorrect charges or fees
How to Stop Mystery Credit Card Fees Handout
Printed PDF
The Consumer Financial Protection Bureau advises consumers to watch out for add-on credit card fees
How to Understand a Credit Card Disclosure Statement
Online
A closer look at credit card disclosure statements
Lost or Stolen Credit, ATM, and Debit Cards Booklet
Printed PDF
Steps you take if your Credit, ATM, or Debit card gets stolen
Tips for Choosing and Using Credit Cards
PDF Online
Inside includes 10 Ways to protect your personal information and your money, money and banking tips for the tax season , test your deposit insurance IQ, and do you owe on a home equity line? Prepare for rising payments
Understanding Your Credit Card Statement
Online
A quick rundown of your credit card statement
Using Credit Handout
Printed Online
How to obtain credit and use it wisely

Credit Reports & Credit Scores

Building a Better Credit Report
Printed PDF
Explains what a credit report is, how you can check and get it, what can affect your report, and advice on bad credit
Check Your Credit Report at Least Once a Year
Printed PDF
The Consumer Financial Protection Bureau advises consumers to check their credit reports at least once a year
Credit and Your Consumer Rights
PDF
Guide that explains the Fair Credit Reporting Act(FCRA), the Equal Credit Opportunity Act(ECOA), the Fair Credit Billing Act(FCBA), the Electronic Fund Transfer Act(EFTA), and the Fair Debt Collection Practices Act(FDCPA)
Credit Discrimination is Illegal
PDF
Credit discrimination often happens behind closed doors, which makes it hard to spot. But there may be warning signs of discrimination or other illegal practices. This guide will help you spot the warning signs of credit discrimination, what makes it Illegal, and how you can protect yourself
Credit Repair
PDF Online
This guide identifies your rights when it comes to credit, how to report accurate negative information, how to report credit repair fraud, where to get legitimate help, and it explains the Credit Repair Organizations Act(CROA)
Credit Reporting 101
PDF
How to get your credit report, what to do if you spot errors, different types of credit reports
Credit Score Breakdown Chart
PDF
What is evaluated when making your credit report
Credit Score Estimator
Online
Take this quiz to see an estimate of your credit score
Disputing Errors on Credit Reports Booklet
Printed PDF Online
How to find and correct errors on your credit report
Free Credit Reports Booklet
Printed PDF Online
Explains how to get your free credit report, plus tips on what to do when you find errors, information that you need to obtain your credit report, and much more
FTC Facts for Consumers: How to Right a Wrong
Printed
This brochure explains your rights when it comes to mail and telephone order shipping, unordered merchandise, and door-to-door sales. It also tells you how to write an effective complaint letter and lists some resources for additional help
How Credit Scores Affect the Price of Credit and Insurance
Printed Online
What is credit scoring?, credit scores and credit reports, how is a credit scoring system developed?, what can you do to improve your score?, are credit scoring systems reliable?, what if I’m denied credit or insurance, or don’t get the terms I want?
How to Rebuild Your Credit
Printed PDF
A list of seven steps that can help rebuild your credit score after a financial challenge
Take Control of Your Credit Score
Printed PDF
Learn what a credit score is, how it is determined, what a good score is and why it matters, and how to improve your credit score.
To Get and Keep a Good Credit Score, Pay Attention to Your Credit Report
PDF
This guide shows the differences between credit reports and credit scores, while also showing steps to get and keep a good credit score
Understanding Your Credit Report
Online
A quick rundown on what credit companies see when they look at your credit report
You Have a Right to See Specialty Credit Reports
Printed PDF
You have the right to know what nationwide specialty credit reporting companies are saying about you! This guide will help you check for errors, tell you what a nationwide specialty credit reporting company is, and what to do if you find incorrect information on your credit report
Your Credit History Handout
Printed Online
Find out what is in your credit report
What Is A Good Credit Score Infographic
PDF
This chart explains the different types of credit scores and what your interest rate would be for car and home loans, insurance, and credit cards
Your FICO Credit Score Explained
PDF
This guide explains the 5 parts that go into your FICO credit score, what a good score is, helpful tips, and ways to boost your score

Debt

Coping with Debt Booklet
Printed PDF Online
Developing a budget, contacting your creditors, dealing with debt collectors, managing your auto and home loans, debt relief services, debt settlement programs
Dealing with Debt Bookmark
Printed Online
When it comes to dealing with debt, you have options. Find out what you can do, and get tips for avoiding scams
Debt Collection Booklet
Printed PDF Online
Questions and answers about your rights under the Fair Debt Collection Practices Act
Debt Collection Arbitration Booklet
Printed PDF Online
Why do some disputes go to arbitration rather than court, who are the players, how does arbitration work, what are the consequences of arbitration
Debt Load Worksheet
Printed PDF
This worksheet helps you get organized with all of your debt and make a repayment plan
Know Your Rights When A Debt Collector Calls
Printed PDF
A handout explaining how to handle when a debt collector calls and your rights according to the Fair Debt Collection Practices Act

Employment

Career Guide to UNL Majors
Online
Find out what you can do with different majors
Employment Background Checks Booklet
Printed PDF Online
What employers look for in background checks
Guide to COBRA
PDF
This booklet explains your rights under COBRA to a temporary extension of employer-provided group health coverage, called COBRA continuation coverage. This booklet is designed to provide a general explanation of your COBRA rights and responsibilities, outline the COBRA rules that group health plans must follow and highlight your rights to benefits while you are receiving COBRA continuation coverage
Husker Hire Link
Online
Go to Husker Hire Link (Job Search Database)
Interviewing Tips
Online
UNL Career Services' interviewing webpage
Job and Internship Openings
Online
UNL Career Services' current listing of jobs and internships
Job Scams Handout
Printed Online
How to spot and avoid job scams
Making Smart Financial Choices After a Job Loss
Printed PDF Online
This guide contains tips on how to ask the right questions about your company's benefit plans plan ahead to cushion the blow of a potential job dislocation, keep your finances on the right track in the event of unemployment, and protect yourself when getting financial advice
Protecting Retirement and Health Benefits After Job Loss
Online
Job termination or a reduction in hours can result in a loss of retirement and health benefits. However, employees and their families may have rights under federal law that can help protect benefits when employment changes.
Resume Tips and Guidelines from UNL Career Services
Online
UNL Career Services' resume webpage
Resumes, Applications, & Cover Letters
PDF
This article provides some guidelines for creating résumés and cover letters that will help you pass the 30-second test and win interviews. The first section, on résumés, describes what information your résumé should contain, how to highlight your skills for the job you want, and types of résumés. The next section discusses the four parts of a cover letter—salutation, opening, body, and closing. A final section offers suggestions for learning more about résumés and cover letters
Tips for Older Job Seekers
PDF
If you are an older adult who has not applied for a job in many years, this guide provides a framework for you to increase your odds of finding employment
Understanding Your Employer's Retirement Plan
PDF Online
This booklet includes information on different types of retirement plans, what information you can get about your plan, when and how you can receive retirement benefits, what to do if you have a question or find a mistake, the responsibilities of those who manage the plan and its investments, your responsibilities to understand and monitor your plan, and specific circumstances such as how a divorce or change of employer ownership may affect your retirement benefit
UNL Career Services Homepage
Online
UNL Career Services website
Ways to Receive Your Money
Printed PDF
You can receive your wages in different ways; this guide shows you how to make the most of your money

Food

Eat Healthy on a Budget handout
Printed
This handout has 9 tips to help you eat healthy on a budget.
Good and Cheap: How to Eat Well on $4/Day
Online
Includes recipes for cheap and healthy meals
Guide on Curing and Smoking Meat and Fish
Online
An overview on curing and smoking a variety of meats and fish
Guide to Drying Food
Online
Tips on drying a variety of foods
Guide to Freezing Food
Online
Tips on freezing a variety of foods
Guide to Home Canning
Online
Tips on selecting, preparing, and canning a variety of foods
Guide to Making Jam and Jelly
Online
How to make jam and jelly
How to Get Food Help
PDF
The U.S. Department of Agriculture has many programs to help people get food. We want you to know what help there is. The programs in this booklet are grouped by the people they can help
Let's Eat for the Health of It
PDF
Tips to help build a healthy plate, how you should cut back on foods high in solid fats, added sugars, and salt, eating the right amount of calories for you, and how to be physically active your way
Living Smart Guide to Eating Healthy and Being Active
PDF
This booklet contains tips to help you make those guidelines a part of your everyday life and to help you stay well. With just a few simple changes, you will find that you and your family can eat healthier and be more active – important steps on the road to good health
Recipes and Tips for Healthy, Thrifty Meals
PDF
The book provides basic cooking and food safety guidance. The menus presented here conform to the recommendations contained in the Dietary Guidelines for Americans and the USDA Food Guide Pyramid
Supplemental Nutrition Assistance Program (SNAP)
Online
This guide covers what SNAP is, the benefits, how you can get them, and answers other general questions about the subject
Ways to Save at the Grocery Store
Printed
This handout includes many tips to help you save money when shopping for food.

Fraud, Theft, and Scams

A Consumer's Guide to Sweepstakes and Lotteries
PDF Online
The Direct Marketing Association, the U.S. Postal Inspection Service, and Call for Action, Inc. have prepared this booklet for you to use as a guide when responding to sweepstakes offers and for recognizing the difference between legitimate sweepstakes and other types of offers, such as prize promotions, and illegitimate promotions that misrepresent themselves and seek to defraud
Advance-Fee Loans Booklet
Printed PDF Online
Six sure signs of an advance-fee loan scam
Avoiding Identity Theft Handout
Printed Online
How to protect your identity and how to know if someone steals it
Avoiding Scams Against Immigrants
Printed PDF Online
How to avoid scams, how to get the right help, and how to report these scams
Beware of Foreclosure Rescue Scams
Printed PDF
Tips for avoiding mortgage foreclosure rescue scams
Business Opportunity Fraud
PDF
Rules to help you avoid bogus business opportunity offers
Commodity Pool Fraud
Printed PDF
Information designed to warn against a type of fraud that involves individuals and firms offering investments in commodity pools
Consumer Financial Protection Bureau
Printed
What constitutes illegal credit discrimination and how you can protect yourself
Consumer Fraud by Phone or Mail
PDF Online
Different types of consumer fraud and what you can do to help yourself
Did you Know? Bookmark
Printed Online
Facts about medical discount plans
Electronic Identity Theft Prevention
PDF
How you can identify and spot identity theft, and what you can do to protect yourself
Fighting Fraud 101
Printed PDF
What investment fraud is, ways to spot it, and what you can do to protect yourself
Guide to Preventing Mail Fraud
PDF Online
U.S. Postal Inspection Service guide to preventing mail fraud
Have You Heard About...Identity Theft Bookmark
Printed PDF
How you can prevent identity theft and how to report it if it does happen
Have You Heard About...Identity Theft Handout
Printed
How to check to see if you are a victim of identity theft and who you should report it to
Health Scams! Don’t take the Risk
Printed PDF Online
How to spot medical scam fraud
How to Avoid Identity Theft
PDF
Use this guide to familiarize yourself with the precautions you can take to minimize the chance of becoming a victim and, if you are a victim, these steps will help you correct the situation
How to Submit a Complaint to the Consumer Financial Protection Bureau
PDF
A guide on how to submit a complaint to the CFPB
Identity Protection Bookmark
Printed Online
Basics on how to protect your identity
Identity Theft: Military Personnel & Families
Printed PDF
What is identity theft; how to protect your information, what to do if your identity is stolen
Identity Theft: Safeguard Your Personal Information
PDF Online
What identity theft is and what you can do to keep your personal information safe
Identity Theft: What to Do Right Away
Printed PDF
A step-by-step guide through the recovery process of identity theft
Identity Theft: What to Know, What to Do
PDF Online
How thieves get your information, what they do with it, clues that someone has stolen your information, and what if your information is lost or stolen, but your accounts don’t show any problems?
Identity Theft: Social Security Numbers
PDF
How someone might steal your SS number, what to do if you think someone is stealing your number, what to do if you are having problems with your SS number, and if can you get a new SS number
Job Scams Handout
Printed Online
How to spot and avoid job scams
Laptop Security Tips Bookmark
Printed Online
How to keep your laptop from getting lost or stolen
Lost or Stolen Credit, ATM, and Debit Cards Booklet
Printed PDF
Steps you take if your Credit, ATM, or Debit card gets stolen
Medical Identity Theft & Medicare Fraud
PDF
How to deter, detect, and defend yourself against identity theft and Medicare fraud
Miracle Health Claims & Dietary Supplements
Printed PDF
Are you a target for health fraudsters, avoiding shady sellers and practitioners, are dietary supplements safe, supplements claiming to be cures, FDA’S rules for health claims, how to report a potential problem
Mobile Wallet Services Protection
PDF Online
How to safeguard your mobile wallet smartphone and what to do if your mobile wallet smartphone is stolen
Money Wiring Scams Handout
Printed Online
How to spot and avoid a money wiring scam
Mortgage Relief Scams
Printed PDF
Mortgage assistance and foreclosure relief scams target homeowners whose financial troubles put them at risk of losing their homes. This guide shows you how to spot and avoid mortgage assistance or foreclosure relief scams
Moving Fraud
PDF
Information on how you can protect yourself from “Rogue Movers” and how to choose a reputable mover
Payday Loans and Cash Advances Handout
Printed Online
What to do before you get a payday loan or cash advance loan, how to choose which way to borrow money, what to do once you get a payday loan
Phone Scams Booklet
Printed PDF
Signs of a scam, how they hook you, why they call you, and how to handle these situations
Ponzi Schemes
PDF
Different stories of real schemes people use, what the red flags are, and resources to help you if you find yourself in this situation
Protect Yourself from Fraud in the Health Insurance Marketplace
PDF
Your best protection against fraud is being informed! Here are a few tips to help you while getting health coverage through the Health Insurance Marketplace at HealthCare.gov
Putting Telephone Scams on Hold Booklet
Printed PDF
How to recognize and report phone fraud
Robocalls
PDF
This guide tells you what robocalls are, what the rules for them are, how you can protect yourself, and more
Stolen and Lost Wireless Devices
PDF Online
Here's how you can better protect yourself, your device and the data it contains, along with instructions on what to do if your device is lost or stolen
Taking Charge: What to do if your Identity is Stolen
Printed PDF
Immediate steps to take after your identity is stolen, plus ways to reduce your risk in the future
Tax-Related Identity Theft
PDF Online
This guide includes uncovering tax-related identity theft, dealing with tax-related identity theft, other steps to repair identity theft
Vehicle Theft Prevention: What Consumers Should Know
Printable PDF
The Department of Transportation’s (DOT) National Highway Traffic Safety Administration (NHTSA) establishes, implements and enforces vehicle antitheft regulations. NHTSA has set the standard to help consumers and vehicle owners address the vehicle theft problem for more than 25 years
Watch Accounts Closely When Card Data is Hacked Handout
Printed PDF
A list of what you need to do if you think your credit or debit card information has been stolen
Work at Home Schemes
PDF Online
This guide gives examples of work-at-home schemes, what questions to ask if you are contemplating doing an at-home work program, and where to complain if the program is illegitimate
10 Ways to Avoid Fraud
PDF Online
List of 10 ways to avoid fraud, including what to do and what not to do, and how to report scams

Home Ownership and Mortgages

A Note to Homeowners Bookmark
Printed
Tips for current or future homeowners
Act Fast to Avoid Foreclosure Brochure
Printed PDF
What to do when faced with foreclosure
Adjustable Rate Mortgages Handbook
PDF
This handbook gives you an overview of ARMs, explains how ARMs work, and discusses some of the issues that you might face as a borrower
Beware of Foreclosure Rescue Scams
Printed PDF
Tips for avoiding mortgage foreclosure rescue and loan modification scams
Buying a New Home Q&A
Online
Tips for new homebuyers, including figuring out how much you can afford, shopping for a loan, getting a home inspection
Buying Your Home: Settlement Costs and Information
PDF Online
This guide gives information on buying and financing a home, as well as your settlement costs
Considering a Reverse Mortgage?
Printed Online
A handout explaining what a reverse mortgage is, how it works, and what you need to consider before getting one.
Consumer's Guide to Mortgage Refinancing
Online
This guide includes why consider refinancing?, what will refinancing cost?, and are you eligible for refinancing?
Creating a Home Inventory
Online
This guide gives you tips on creating a home inventory and how it can benefit you
Energy Efficient Mortgage Guide
Online
The energy efficient mortgage means comfort and savings. When you are buying, selling, refinancing, or remodeling your home, you can increase your comfort and actually save money by using the Energy Efficient Mortgage (EEM). This guide further explains EEM and how you can see if you qualify
Energy Savers Booklet
Printed PDF Online
Tips on saving money and energy at home
Fixing Up Your Home and How to Finance It
Online
This guide shows how fixing up your home is a great investment, whether you should do it yourself or hire a contractor, how to finance those improvements, and more
Foreclosure Avoidance
PDF
In response to the poor experience of many distressed borrowers during the mortgage crisis, the CFPB is putting in place new procedures to facilitate borrowers’ access to foreclosure avoidance options. The new rules are designed to provide consistent and meaningful protections for borrowers, and to give industry necessary flexibility. The following guide highlights the key provisions
Foreclosure Checklist Handout
Printed PDF
Steps to help you find out if you have options to avoid foreclosure
Foreclosure Prevention
PDF Online
How to save your home with Mortgage Modification Programs
Have a Mortgage? What You Can Expect Under Federal Rules
Printed PDF
Federal rules for mortgage servicers and homeowner support
Hiring a Contractor Booklet
Printed PDF Online
How to find a contractor, understanding your payment options, after you hire a contractor, signs of a home improvement scam
Home Energy Savings Tips for Older Adults
PDF
With a little planning and preparation, you can reduce the amount you owe and still stay warm during the winter. The Eldercare Locator and the U.S. Environmental Protection Agency (EPA) offer some economical ways to stay warm and safe at home
Home Equity Lines of Credit
PDF
This guide includes what should you look for when shopping for a plan, costs of establishing and maintaining a home equity line, and how will you repay your home equity plan?
Home Sweet Home…Improvement
Printed
Hiring the right contractor
Homeowner's Insurance Q&A
Online
This brochure, based on the questions consumers most frequently ask, explains what is covered in a standard homeowners policy and what is not. Where gaps in coverage exist, it tells you how to fill them
How to Buy a Manufactured Home
PDF Online
The Manufactured Housing Institute and the Federal Trade Commission have developed this guide to help you through the home-buying process. You’ll learn about purchasing a home and its construction, transportation, installation, and important warranty protections. The retailer of your new home can provide additional information
How to Repair Roofs and Ceilings
PDF
This technical brief will guide homeowners and contractors when repairing damaged roofs and ceilings
How to Repair Walls and Floors
PDF
This technical brief will guide homeowners and contractors when repairing damaged exterior walls and floors
How to Repair Windows and Doors
PDF
This technical brief will guide homeowners and contractors when repairing damaged windows and doors
How to Prune Trees
PDF
The objective of pruning is to produce strong, healthy, attractive plants. By understanding how, when and why to prune, and by following a few simple principles in this guide, this objective can be achieved
HUD Home Buying Guide
PDF Online
Since 1934, HUD’s Federal Housing Administration (FHA) has helped millions of Americans unlock the door to homeownership and have a home of their own. We do it by making homebuying easier and more affordable. One way we can do this is by selling homes HUD owns in many communities throughout the U.S., at attractive prices and economical terms. You can use this guide to take you step by step through each stage of finding and buying your own home
Low Income Energy Assistance Program
PDF Online
This guide explains what LIEAP is, how you can apply, if you are eligible, and what assistance LIEAP provides
More About Mortgages
PDF Online
This guide gives you a closer look at the new rules on mortgages plus practical tips for mortgage shoppers and borrowers
Mortgage Relief Scams
PDF
Mortgage assistance and foreclosure relief scams target homeowners whose financial troubles put them at risk of losing their homes. This guide shows you how to spot and avoid mortgage assistance or foreclosure relief scams
New CFPB Mortgage Rules
PDF
Beginning in January 2014, some new CFPB rules will provide homeowners and consumers shopping for a home mortgage with new rights and greater protection from harmful practices. This guide details those rules and what it means for new homeowners and families
Ready to Buy a Home?
Printed PDF
What to think about when deciding whether or not you are ready to buy and home, and how to prepare
Reverse Mortgages: Are They For You?
PDF Online
This Consumer Advisory, issued by the Office of the Comptroller of the Currency, is designed to help you better understand reverse mortgages
Reverse Mortgages Booklet
Printed PDF Online
Understanding how reverse mortgages work, the types of reverse mortgages available, and how to get the best deal
Shopping for a mortgage? What You Can Expect Under Federal Rules
Printed PDF
The rules and regulations of mortgages
Shopping for Your Home Loan
PDF
This booklet will help you become familiar with how interest rates, points, balloon payments, and prepayment penalties can affect your monthly mortgage payments
Tips for Homebuyers
Printed PDF
How the CFPB’s new rules help if you are shopping for a home loan
Tips on Saving Money & Energy at Home
Printed PDF Online
This guide shows you how easy it is to cut your energy use at home and also on the road. The easy, practical solutions for saving energy include tips you can use today
5 Tips for Shopping for a Mortgage
Online
These 5 tips include: know what you can afford, shop around-compare loans from lenders and brokers, understand loan prices and fees, know the risks and benefits of loan options, get advice from trusted sources
12 Ways to Lower Your Homeowners Insurance
Online
The price you pay for your homeowners insurance can vary by hundreds of dollars, depending on the insurance company you buy your policy from. Here are some things to consider when buying homeowners insurance

Insurance

Application for Health Coverage & Help Paying Costs
PDF
An actual application for health coverage and help paying for the costs
Buying Life Insurance
Printed PDF
This guide helps you understand the types of life insurance available and what questions to ask when you’re buying a policy
Choosing a Health Care Plan
PDF
The Health Insurance Marketplace offers different types of plans to meet a variety of needs and budgets. You’ll get a clear picture of what premiums you’d pay and what benefits and protections you’d get before you enroll. As you shop for a plan, this guide will show you things you need to know
Creating a Home Inventory
Online
This guide gives you tips on creating a home inventory and how it can benefit you
Guide to Dental Insurance
PDF
Learn how dental insurance works, why you need it, and where you can get it
Guide to Disability Income Insurance
Printed PDF
This guide explains a number of important things: The chances of becoming disabled, how it can affect your finances, possible sources of disability income, what disability income insurance is, and what disability income insurance covers
Guide to the Health Insurance Marketplace
PDF
How to enroll and shop in the Health Insurance Marketplace
Guide to Long-Term Care Insurance
Printed PDF
What is long-term care, how likely am I to need long-term care, what does long-term care cost, who pays the bills, where can I get long-term care coverage, what are the different types of policies, what is not covered, what do policies cost
Health Scams! Don’t take the Risk
Printed PDF Online
How to spot a scam and what to do to protect yourself and your family
Am I Covered?
Online
A list of scenarios and whether or not they are covered by homeowners insurance
Life Changes & Health Care Options
PDF
Knowing your benefit options means knowing the basics about health care law so you can protect yourself and your dependents. This guide gives you some commonsense steps you can take to make sure you have the level of health care coverage you need at every stage of your life
Medical Identity Theft & Medicare Fraud
PDF
How to deter, detect, and defend yourself against identity theft and Medicare fraud
Moving Insurance
PDF Online
Know your consumer rights and responsibilities in regards to moving insurance. Check our database to confirm your mover is registered with FMCSA. Grab a free checklist to prepare for a smooth move.
Prescreened Credit and Insurance Offers Booklet
Printed Online
How prescreening works, can prescreening hurt my credit report or credit score, can I reduce the number of unsolicited credit and insurance offers I get, why would someone opt out-or not, does opting out hurt my credit score, what if I opt out and then change my mind
Protect Yourself from Fraud in the Health Insurance Marketplace
PDF
Your best protection against fraud is being informed! Here are a few tips to help you while getting health coverage through the Health Insurance Marketplace
Renters Insurance
PDF Online
Standard renters insurance protects your personal belongings against damage from fire, smoke, lightning, vandalism, theft, explosion, windstorm, water and other disasters listed in the policy. This guide tells you why it is important and how to shop for the best insurance possible
The Affordable Care Act and Women
PDF
The Affordable Care Act was signed into law to benefit you and your family. This guide shows the top five items you need to know if you are a single woman or a woman with a family
The Value of Health Insurance
PDF
A brief overview on what health insurance is, how much you should be paying, and the top 5 things to know about health insurance
9 Ways to Lower Your Auto Insurance Costs
PDF Online
One of the best ways to keep your auto insurance costs down is to have a good driving record. Listed in this guide are other things you can do to lower your insurance costs
12 Ways to Lower Your Homeowners Insurance
Online
The price you pay for your homeowners insurance can vary by hundreds of dollars, depending on the insurance company you buy your policy from. Here are some things to consider when buying homeowners insurance

International Students

Build Financial Credit as an International Student
Online
This article gives tips for international students wanting to build credit in the U.S.
Career Services Webpage
Online
UNL Career Services' webpage specifically for international students
International Money Transfers
Printed PDF
This guide will tell you what money transfer companies must disclose to you before international money transfers
Money Wiring Scams Handout
Printed Online
How to spot and avoid a money wiring scam
Remittance Transfer Rules Factsheet
PDF
Information to help you understand and explain new rules on remittance transfers
Sending Money to Family and Friends Overseas
Printed Online
What to do before and after you wire money overseas

Mental Health

Adult Stress FAQ Sheet
PDF
This guide goes over what stress is, how it can affect your body and overall health, and what you can do to cope
All About Depression
Online
This guide explains what depression is, the causes, the symptoms, what you can do to help yourself if you’re depressed, plus much more
Depression and College Students
Online
Many people experience the first symptoms of depression during their college years. Unfortunately, many college students who have depression aren’t getting the help they need. This guide explains the causes and effects of depression, and how you can treat it
Men and Depression
PDF Online
A guide that explains depression in men, what causes it, what the symptoms are, what to do if a loved one is depressed, and how to treat it
Women and Depression
PDF Online
What can cause depression in women, what the symptoms are, how you can treat it, and how to know if you’re depressed

Military & Veterans

Disability Benefits for Wounded Warriors
PDF
Military service members can receive expedited processing of disability claims from Social Security. Benefits available through Social Security are different from those from the Department of Veterans Affairs and require a separate application. This guide explains those differences as well as the type of benefits you can receive, how long it takes, plus more
Federal Benefits for Veterans, Dependents, & Survivors
PDF Online
A brief overview of the benefits Veterans, Dependents, and Survivors receive
Guide to Military Federal Student Loan Benefits
PDF
Explanation of student loan benefits for members of the military
How to Find a Military-Friendly Bank Account
PDF
Follow these steps to help guide your decision to finding a Military-Friendly Bank Account
Military Student Loan Benefits
PDF
What you need to know about your federal student loan benefits
Payday Loans and Cash Advances: Service Members
Printed PDF
A handout informing military personnel about alternative options to payday loans
Returning Service Members with Disabilities Rights
PDF Online
The ADA is a civil rights law that prohibits discrimination and guarantees that people with disabilities have the same opportunities as everyone else to participate in the mainstream of American life
Scholarships for Military Families
PDF
All the different scholarships you can obtain in a military family
Tackling Student Loan Debt: Servicemembers
PDF
This guide shows you how to lower the interest rate on all of your loans, how to manage your federal student loans, and how to manage your private student loans
VA Health Care Benefits Overview 2015
PDF
This guide is designed to provide Veterans and their families with the information they need to understand VA’s health care system—eligibility requirements, the health benefits and services available to help Veterans and copayments that certain Veterans may be charged
Veteran’s Pensions Booklet
Printed Online
Applying for A&A Benefits, navigating the process, filing a complaint
Veterans Pensions Fraud
PDF
How to protect your money from pension fraud

Miscellaneous

Affordable Telephone Service for Income-Eligible Consumers
PDF
Lifeline is a government benefit program that provides discounts on monthly telephone service for eligible low-income subscribers to help ensure they can connect to the nation's communications networks, find jobs, access health care services, connect with family and their children's schools, and call for help in an emergency
Before Giving to a Charity Booklet
Printed PDF Online
Tips to help make sure your charitable contributions are put to good use
Buying a Franchise Booklet
Printed PDF Online
An explanation of: how to shop for a franchise opportunity, the obligations of a franchise owner, and questions to ask before you invest
Catch the Spirit: A Student's Guide to Community Service
Printed PDF
Ideas and information on how young people can help their community a better place
Child Support Handbook
PDF
This Handbook has been organized so that you can refer directly to the sections you need. Your state or tribal child support program is available to help find a noncustodial parent, establish legal fatherhood for children, establish and maintain a fair, financial and medical support order, and much more
Competition Counts
Printed PDF
An explanation of how consumers win when businesses compete
Federal Student Grant Programs
PDF
The federal government provides grant funds for students attending colleges, career schools, and universities. Grants, unlike loans, do not have to be repaid. The major federal student grant programs are briefly described in this guide
Financial Goals Worksheet
PDF
Healthy financial habits start by setting sound financial goals. Develop a realistic path to achieving your goals by filling in the guide
Keeping Family and Household Records
Online
This guide shows you more about what records to discard and keep, household inventory records, renting safety deposit boxes, and more
Keeping Your Phone Number When You Change Service Providers
PDF Online
How to keep your old telephone number when changing services, including initiating the process and fees and charges
Low Income Energy Assistance Program
PDF Online
This guide explains what LIHEAP is, who is eligible, and what assistance LIHEAP provides
Mailing Free Matter for the Blind and Visually Handicapped Persons
PDF Online
The pamphlet is designed to answer the questions asked most often about free matter for the blind and other visually handicapped persons
Managing Someone Else's Money- Help for Agents Under a Power of Attorney
Printed PDF
This guide will help you understand what you can and cannot do in your role as an agent. In that role, you are a fiduciary. For this guide, a fiduciary is anyone named to manage money or property for someone else. You’ll find brief tips to help you avoid problems and resources for finding more information
Managing Someone Else's Money: Help for Court-Appointed Guardians of Property and Conservators
Printed PDF
This guide will help you understand what you can and cannot do in your role as a guardian. In that role, you are a fiduciary. For this guide, a fiduciary is anyone named to manage money or property for someone else. You’ll find brief tips to help you avoid problems and resources for finding more information
Managing Someone Else's Money: Help for Representative Payees and VA Fiduciaries
Printed PDF
This guide will help you understand what you can and cannot do in your role as a representative payee or VA fiduciary. In both these roles, you are a fiduciary. For this guide, a fiduciary is anyone named to manage money or property for someone else. You’ll find brief tips to help you avoid problems and resources for finding more information
Managing Someone Else's Money: Help for Trustees Under a Revocable Living Trust
Printed PDF
This guide will help you understand what you can and cannot do in your role as a trustee. In that role, you are a fiduciary. For this guide, a fiduciary is anyone named to manage money or property for someone else. You’ll find brief tips to help you avoid problems and resources for finding more information
Options for Saving for College
PDF
This guide answers questions about college education costs and gives you the information you need to save and invest wisely for college. You can make a college education an affordable choice for you or your child
Paying Final Respects Booklet
Printed PDF
Your rights when buying funeral goods and services
Prepaid Phone Cards: What Consumers Should Know
PDF Online
What consumers should look for when buying prepaid phone cards
Prescreened Credit and Insurance Offers Booklet
Printed Online
How prescreening works, can prescreening hurt my credit report or credit score, can I reduce the number of unsolicited credit and insurance offers I get, why would someone opt out-or not, does opting out hurt my credit score, what if I opt out and then change my mind
Privacy Choices Booklet
Printed PDF Online
Privacy notices explain what personal financial information a company collects; whether the company intends to share your personal financial information with other companies; what you can do to limit some of that sharing; and how the company protects your personal financial information
Renting an Apartment or a House
Printed PDF Online
Information on what to do before renting, if a landlord won't rent to you because of bad credit, or if you think you landlord has broken the law
Selecting Financial Products and Services
Printed PDF
This guide explains the different financial products or services that can help you meet a specific goal or need
Shopping for Funeral Services Booklet
Printed PDF
Funeral shopping tips, choosing funeral provider, funeral costs, cemetery goods and services, pre-need arrangements
Strategies to Save Money
PDF
Different strategies you can use to save you money
Tips for Avoiding Bill Shock on Your Mobile Phone
PDF Online
Steps you can take to avoid high wireless phone bills
Understanding Your Telephone Bill
PDF Online
Consumers sometimes find various charges and items on their monthly wireline or wireless telephone bills confusing. This guide explains what service providers must disclose according to the FCC Truth-in-Billing rules
Unwrapping Gift Cards: Know the Terms and Avoid Surprises
Printed PDF
This guide gives you info on gift card fees, types of gift cards, and more
Ways to Pay Your Bills
Printed PDF
This guide helps you understand different bill payment options and their potential advantages and disadvantages
Ways to Receive Your Money
Printed PDF
You can receive your wages in different ways; this guide shows you how to make the most of your money
Your Disaster Checklist
Printed PDF
A checklist of financial records to store in a safe place in case of a disaster
Your Equal Credit Opportunity Rights Booklet
Printed PDF Online
Here’s a brief summary of the basic provisions of the ECOA

Money Management Overview

Buyer's Guide to Finding the Right Loan, Credit Card, or Deposit Account
PDF Online
This guide includes tips on mortgages and other home loans, escrow accounts, credit cards, checking accounts, overdraft programs, prepaid cards, shopping for any bank product
Focus on Finances
Printed PDF
This guide has the tools to help you make smart financial decisions. It explains credit, credit reports and credit scores; offers tips on how to get and maintain credit; has information about how to avoid consumer fraud and identity theft; and navigates the ins and outs of buying a car
How to Organize and Simplify Your Financial Life
PDF
Basic strategies for simplifying your financial life and nine ways to eliminate clutter, organize accounts and streamline how you manage your money
Money Smart for Older Adults
Printed PDF
Information and tips to help adults 62 and older prevent common frauds, scams and other types of elder financial exploitation
My New Money Goal
Printed PDF
This guide will help you gain a clear view of where your money goes now so you can more easily decide where you want it to go in the future
Savings Fitness: A Guide to Your Money and Your Financial Future
Printed PDF
The U.S. Department of Labor and Certified Financial Planner Board of Standards Inc. (CFP Board) want you to succeed in setting financial and retirement goals. Savings Fitness: A Guide to Your Money and Your Financial Future starts you on the way to setting goals and putting your retirement high on the list of personal priorities
9 Tips to Achieving Financial Wellness
PDF
9 tips to help you achieve financial wellness, including planning for retirement, saving for emergencies, and developing a budget
66 Ways to Save Money
PDF
This guide shows you 66 ways you can save money on things such as: transportation, insurance, housing, utilities, and much more

Retirement and Investing

Adjusting Your Annuity Income
Printed
Choices for adjusting your annuity income and if you should make a change
Commodity Pool Fraud
Printed PDF
Information designed to warn against a type of fraud that involves individuals and firms offering investments in commodity pools
Filing a Claim for Your Retirement Benefits
PDF Online
If you have participated in a traditional pension plan, a 401(k), or other employment-based retirement plan, you will want to know how to file a claim for your benefits. The steps outlined in this guide describe some of your plan’s obligations and briefly explain the procedures and timelines for filing a claim for retirement benefits
How the SIPC Protects You
PDF
This guide gives you an understanding on what the SIPC(Securities Investor Protection Corporation) is and how it can protect you
How to Read a Company's Form 8-K
PDF
This guide highlights a number of 8-K disclosures that investors may find particularly relevant, including some red flags for investors
How to Read a Company's Form 10-K
PDF Online
An investor can find a wealth of information in a company’s Form 10-K. Filed annually, the 10-K offers a detailed picture of what the company does, and the risks it faces. It also includes the company’s financial report
How to Read a Mutual Fund Shareholder Report
PDF
Mutual funds that are registered with the SEC must send reports to their shareholders on a semiannual basis. The semiannual report covers the first six months of the fund’s fiscal year, while the annual report covers the fund’s entire fiscal year. This guide focuses primarily on the annual report; however, many of the considerations also apply to the semiannual report
I Savings Bonds
Online
Learn what an I savings bond is, it's characteristics, and what you can use it for
Know Your Financial Advisor
PDF
Important information and questions to ask before hiring a financial advisor
Mutual Funds
Printed PDF
What they are, advantages and disadvantages, how to buy and sell, factors to consider, and avoiding common pitfalls
Questions You Should Ask About Your Investments
Printed PDF
Questions about products, mutual funds, the people who sell investments, the progress of your investments, and how to handle problems
Retirement Toolkit
PDF
The guide includes a list of publications and interactive tools to help in your planning for retirement, plus information on who to contact if you have any questions
Saving and Investing: A Roadmap to your Financial Security Through Saving and Investing
Printed PDF
Making a financial plan, how to make your money grow, how you can protect yourself
Saving and Investing for Students
Printed PDF
Making a financial plan, how to make your money grow, how you can protect yourself
Taking the Mystery out of Retirement Planning
Printed PDF Online
How to plan for a lifetime, how to track down future money and future expenses, comparing income and expenses, how to make your money last
Top 10 Ways to Prepare for Retirement
PDF Online
10 ways to prepare for retirement, including knowing your retirement needs, learning about your employers pension plan, and finding out about your social security benefits
Trading Forex: What Investors Need to Know
PDF
This guide presents an overview of the retail off-exchange foreign currency market and provides other important information that investors need to know before they invest in the off-exchange foreign currency market
Understanding Your Employer's Retirement Plan
PDF Online
This booklet helps you understand your retirement plan and explains what information you should review periodically and where to go for help with questions. It includes information on: Different types of retirement plans, what information you can get about your plan, when and how you can receive retirement benefits, what to do if you have a question or find a mistake, and much more
Variable Annuities: What You Should Know
Printed Online
This is a general description of variable annuities- what they are, how they work, and the charges you will pay
Veteran’s Pensions Booklet
Printed Online
Applying for A&A Benefits, navigating the process, filing a complaint
Women and Retirement Savings
PDF Online
Planning and saving for retirement may seem like goals that are far in the future. Yet saving, especially for retirement, should start early and continue throughout your lifetime. This guide shows four reasons why saving matters to women
13 Things Everyone Should Know About Investing
PDF
Whether you’re a first-time investor or have been investing for many years, there is some basic information you should know about investing. In this guide is a list of thirteen pieces of investing-related information that may help you make informed financial decisions and avoid common scams

Spanish Resources

2016-17 Free Application for Federal Student Aid (FAFSA)
PDF
The Department of Education's official application for federal aid. Students can complete the FAFSA online at www.fafsa.gov
2016-17 Do You Need Money for College? Federal Student Aid at a Glance
PDF
Fact sheet informing students what federal student aid is, who is eligible, and how to apply, as well as providing an overview of the aid programs
2016-17 FAFSA on the Web Worksheet
PDF
Worksheet that provides a preview of the questions students and parents may be asked while completing the FAFSA
After the FAFSA: What Happens Next Video
Video
Learn what happens after you complete the FAFSA, including information about the Student Aid Report, EFC, the role of schools, award letters, and receiving aid
Am I Dependent or Independent? Worksheet
PDF
Worksheet to help students determine their dependency status when filling out the FAFSA
Budgeting Video
Video
Provides an overview of how budgeting can help students make smart financial decisions, as well as information on creating and maintaining a budget
College Preparation Checklist
PDF
Checklist that helps students (elementary, middle, and high school), as well as adults and parents prepare financially and academically for college
Direct Loan Basics for Parents
PDF
Brochure providing parents with information on Direct PLUS Loans for parents including eligibility, how to apply, and repayment
Direct Loan Basics for Students
PDF
Brochure providing students with information on Direct Loans including eligibility, how to apply, and repayment
Eligibility for Federal Student Aid Infographic
Online
Graphic that lays out the criteria that determine a student's eligibility for federal student aid
Do I Have to Provide My Parents' Information on the FAFSA? Infographic
Online
Graphic that helps FAFSA applicants determine their dependency status
FAFSA Website
Online
The official application for federal student aid for college or career school. Submit application online, make corrections, and check application status
FAFSA Overview Video
Video
Provides an overview of the Free Application for Federal Student Aid (FAFSA) and the application process
FAFSA: Determining Dependency Status Video
Video
Walk through the criteria for determining whether a FAFSA applicant is an independent or dependent student
Federal Student Aid for Adult Students
PDF
Publication for adults considering college with information on the types of federal student aid available, how to apply, important deadlines, and more
Federal Student Grant Programs
PDF
Fact sheet listing federal student grant programs with program details and award limits
Federal Student Loan Programs
PDF
Fact sheet listing federal student loan programs with loan details and award limits
Funding Your Education- The Guide to Federal Student Aid
PDF
Publication that provides information on preparing for college, types of federal student aid and eligibility, the FAFSA, and student loan repayment
Getting a Federal Student Loan Infographic
Online
Graphic that walks through the steps for getting a federal student loan
How to Fill Out the FAFSA Video
Video
Learn about the steps for completing the Free Application for Federal Student Aid (FAFSA)
How to Manage Your Student Loans Video
Video
Get info on how to manage student loans, including changing repayment plans, and options for students who are having trouble making payments
Myths About Financial Aid
PDF
Fact sheet debunking common myths about federal financial aid: parents make too much money, too old, or need good grades
Myths About Financial Aid Video
Video
Address common myths about financial aid: having too much income, not having good enough grades, or needing to file taxes before completing the FAFSA
Overview of the Financial Aid Process Video
Video
Get an overview of the availability of federal financial aid for college, the FAFSA, and the process for applying for and receiving aid
Repay Your Federal Student Loans
PDF
Fact sheet detailing when to begin student loan repayment, how to make payments, and the different repayment plan options available
Repayment Estimator
Online
Online tool borrowers can use to compare loan repayment plan options using either their actual or estimated loan data
Graphic that provides an overview of the federal student loan repayment plans
Student Loan Repayment: What to Expect Video
Video
Learn about loan repayment options and selecting a repayment plan, the role of loan servicers, and looking up student loan history in the NSLDS system
Responsible Borrowing Video
Video
Learn about responsible borrowing, loan repayment, and carefully weighing the costs of college and potential income after graduation
How to Transfer Tax Information Into Your FAFSA Infographic
Online
Graphic that explains how to use the IRS Data Retrieval Tool to transfer tax information into the FAFSA- and when the tool is available
The FAFSA Process Infographic
Online
Graphic that walks through the process of preparing for, completing, and submitting a FAFSA. Includes info on what happens after a FAFSA is submitted
Types of Federal Student Aid Infographic
Online
Graphic that walks through the three types of federal student aid along with info on other aid sources and the FAFSA
Types of Federal Student Aid Video
Video
Information on different types of federal aid available, including loans, grants, and work-study jobs
Who Is My ''Parent'' When I Fill Out the FAFSA?
PDF
Fact sheet that helps answer common questions about determining which parent's information to report on the FAFSA
Why Get a Federal Student Loan?
PDF
Fact sheet with important points when considering using federal student loans to help cover the costs of college

Student Loans

Click here for our student loans FAQ page
Applying for Income-Driven Repayment Plans
PDF
A step-by-step guide on applying for income-driven repayment plans
Be a Responsible Borrower
Printed PDF
This publication covers: creating your in-school budget, understanding the type of loan and the terms and conditions of the loan you’re receiving, estimating how much you need to borrow each school year, and tracking your borrowing
Choosing Your Student Loan
PDF
Steps to take to get the best student loans you can. Also, the importance of filling out the FAFSA for loan, grant and scholarship eligibility
Definitions of Student Loan Terms
PDF
Direct Loan Basics for Graduate and Professional Students
Printed
This guide provides a general overview of information that you will need to successfully repay the Direct Loans that you are receiving to help pay for your college costs
Direct PLUS Loan Basics for Parents
Printed PDF
This booklet explains what PLUS loans are, how to get them, who is responsible for repayment, and when they have to be repaid
Direct Loan Basics for Students
Printed PDF
Direct Loans are low-interest loans for students and parents to help pay for the cost of a student’s education after high school. The lender is the U.S. Department of Education (the Department) rather than a bank. This guide answers any questions you may have on Direct Loan Basics
Do you need Money for College? Federal Student Aid at a Glance 2016-17
Printed PDF
What is federal student aid, who gets federal student aid, how you apply for federal student aid
Entrance Counseling Guide for Direct Loan Borrowers
Printed
Provides an overview of the Direct Loan Program, including information you’ll need to successfully repay the loans that you’ll be receiving to help pay for your college costs
Exit Counseling Guide for Borrowers of Direct Loans and Federal Family Education Program Loans
Printed
Provides an overview of information you will need to successfully repay the federal student loan(s) that you’ve received to help pay for your college costs under the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan Program
FAFSA Process
PDF
This guide takes you through the entire FAFSA process, from filing out the FAFSA to deadlines
FAFSA4caster
Online
This tool helps you estimate your eligibility for federal student aid
Federal Student Aid Bookmark
Printed PDF
Federal Student Aid contact information
Federal Student Loans: Basics for Students Booklet
Printed PDF
Basics for Students-Everything students need to know about the types of federal students available, how to acquire them, and how to pay them back
Federal Student Loans Packet

-Ten Things you should know about Student Loans Handout Printed PDF
-The Life of a Student Loan Handout Printed PDF
-2016-2017 Federal Student Loan Programs Handout Printed PDF
-Loan Repayment Plan Comparison Handouts Printed PDF
-Student Loan Deferment or Forbearance Options Handout Printed PDF
-How to Avoid Delinquency and Default Handout Printed PDF
Federal Student Aid for Adult Students
Printed PDF
This fact sheet provides information about the types of federal student aid available, how to apply, important deadlines, recommended do’s and don‘ts, important tips, and resources for more information
Federal Student Loans Fact Sheet
PDF
Will you need a loan to attend college? If so, think federal aid first. Federal student loans usually offer borrowers lower interest rates and have more flexible repayment terms and options than private student loans. This guide explains the different options you have
Financial Aid for Graduate and Professional Degree Students
Printed PDF
What types of federal student aid you can receive, what the eligibility requirements are, how do I apply
Funding Your Education: The Guide to Federal Student Aid
Printed PDF
This guide explains the different types of federal financial aid that are available to students, including grants and loans
Guide to Federal Student Aid
PDF
This guide provides you with information about federal student aid programs, help completing, correcting, or updating your FAFSA, help understanding your Student Aid Report (SAR), which contains your application results, information about the process of determining financial need and awarding aid, and general information about your current federal student loans
How to Navigate the National Student Loan Data System (NSLDS)
PDF
Whether you’re a new student or a soon-to-be graduate, you need to be consistently aware of your loan status – and luckily there are tools online specifically designed to help keep you up to speed. This guide shows you how to navigate the NSLDS
How to use the studentloans.gov Repayment Estimator
PDF
Directions on how to use the studentloans.gov Repayment Estimator tool to figure out how much your monthly payments will be
How to View Your Federal Student Loan Info
PDF
Directions on how to view how much you have taken out in student loans, who your loan servicer is, and the interest rates for your loans
Incarcerated Individuals and Eligibility for Federal Student Aid
PDF
Frequently asked questions about eligibility for federal student loans while incarcerated
Income Driven Repayment Plans
PDF
The Department of Education offers three student loan repayment plans that are based on your income, family size, and student loan balance: Income-Contingent, Income-Based, and Pay As You Earn. This guide offers an overview of each, including the factors you should consider when deciding if one of these plans is right for you
Making Sense of Financial Professional Titles
PDF
We encourage you to look beyond a financial professional’s title to determine whether he or she can provide the type of financial services or products you need. This guide covers the questions you need to ask and the information you need to know
Military Student Loan Benefits
PDF
Benefits and repayment options for your student loans if you’re in the military
New Limitations on Direct Loan Eligibility
PDF
Direct Subsidized Loans are Federal Loans on which the government pays interest while you’re enrolled in school at least half time or while the loan is in deferment and during certain periods of income-driven repayment. This guide explains the new limitations on direct subsidized loans
Repaying Your Loans
Printed PDF
This guide provides information about repayment of loans from the following federal student loan programs: The William D. Ford Federal Direct Loan Program, Federal Perkins Loan Program, and the Federal Family Education Loan Program
Stafford Loan Forgiveness Program for Teachers
Printed PDF
The Stafford Loan Forgiveness Program for Teachers is intended to encourage individuals to enter and remain in the teaching profession. Under this program, you may receive loan forgiveness of up to $17,500 if you teach for five consecutive academic years in schools or educational services agencies that serve low-income families, and meet other requirements
Student Loans Booklet
Printed PDF
Whether you’re taking out a new student loan or consolidating existing education loans, the Federal Trade Commission, the nation’s consumer protection agency, and the U.S. Department of Education, the agency that oversees federal student loans, want you to know how to spot potentially deceptive claims or business practices some private companies may use to get your loan business
Student Loan Servicer Contact Info Sheet
PDF
Loan servicer contact sheet
Tackling Student Loan Debt: Servicemembers
PDF
This guide explains how to lower the interest rate for your loans, and how to manage your private and federal student loans
Tips to Manage Your Student Loans
PDF
This guide gives you tips on how to budget, manage your loans, picking a repayment plan, plus much more
Your Federal Student Loans
PDF
If you’re thinking about getting a federal student loan, are in the process of obtaining one, or already have one, you should read this publication. This guide will help you understand the federal student loan process and help you make informed financial decisions
6 Signs that your Scholarship is Sunk Bookmark
Printed PDF
6 signs that your scholarship is a scam
2016-2017 Direct Loan Interest Rates
PDF
This chart covers Federal Direct Stafford and PLUS Loans first disbursed on or after July 1, 2016 and prior to July 1, 2017
2016-2017 Student Loan Repayment Estimates Below 100K
PDF
The following chart will help you estimate the repayment amount of a student loan. The standard repayment term is 10 years, which means you’ll make 120 payments until the loan is paid off. Contact your loan servicer if you have trouble making your payments or to learn more about other repayment options
2016-2017 Student Loan Repayment Estimates Above 100K
PDF
The following chart will help you estimate the repayment amount of student loans that have a principal balance of $100,000 or more under the Standard Repayment Plan

Taxes

Save & Spend Your Tax Refund
PDF
Advice on what you should do with your tax return
Tax Tips
Online
Get tax tips and information on FREE tax prep services!
1040EZ Form Explained
Online
Info you need to know about the 1040EZ form

Resources for Check Out

Books

Everyone's in Sales: How to Unleash the Power of Sales Culture to Boost Your Revenues, Profits, and Growth
Creating and growing a vibrant Sales Culture is a strategic differentiator in today’s aggressive and ever-changing market.
Extra Credit: The 7 things Every College Student Needs to Know About Credit, Debit, and Cash (2 copies)
Top 10 ways credit card companies trick you, how credit card companies market to students, when to use debit cards and when to use cash, why students have been losing to the credit card companies, and how to finally start winning
Get a Financial Life: Personal Finance in Your Twenties and Thirties
If you’re stressed out by money and have no idea what to do, this is your book. Whether you earn 20,000 or 200,000, this book busts open the system, teaching tricks for becoming master of your own money universe
Guide to Surviving Debt 2010 & 2013 editions
Surviving Debt provides precise, practical, and hard-hitting advice on how to deal with an overwhelming debt load
Home Buying for Dummies
In the market for a home, but don’t know where to start? Not to worry! From financing, mortgages, and credit scores to closing the deal. This book will walk you step by step through the entire home-buying process
Investment Club Operations
Detailed information on how to start, organize and run a successful investment club. An excellent resource for all new clubs
Money Harmony: Resolving Money Conflicts in Your Life and Relationships
Resolving money conflicts in your life and relationships
Paying for College Without Going Broke (2 copies)
How to calculate what colleges will expect you to pay, savvy steps that will increase your chances of receiving aid, long-and short-term ways to lower college costs, regardless of income, how to compare aid offers-and how to appeal them if they are not enough , strategies for divorced or single parents and independent students, the most costly mistakes parents and students make when applying for aid
Personal Finance 10th and 11th editions
An introduction to personal financial management helps students learn how to save and invest, manage student loans, file taxes, decrease credit card debt, and plan for the future. Many math-based examples also clearly illustrate the critical importance of achieving long-term financial goals through investing
Personal Finance Theory and Practice
Covers the fundamentals of financial planning, offering an in-depth understanding of personal financial planning from a professional perspective
Risk Management for Financial Planners
The first book to present the fundamentals of risk management as a means to complement, benefit, and promote all areas of financial planning. With its focus on the basics of risk management, students will learn how the art of financial planning involves more than the core activities of making and growing a client’s money, but also involves uncovering the means to protect their wealth
Scholarships 2014
List that provides you with thousands of available scholarships to finance your higher education and unmatched guidance on how to obtain them
Secrets of the Millonaire Mind
In this book, you will learn how to identify and revise your own money blueprint to dramatically increase your income and accumulate wealth
Small Steps to Health and Wealth
This book is designed to motivate consumers to implement behavior change strategies that simultaneously improve their health and personal finances
Solve Your Money Troubles 13th and 14th editions
Here is the detailed legal and practical information you need to get back on your feet and make a fresh start. Whether you are over your head in debt, or are being hounded for debts you don’t believe you owe, this book is the tool you need to regain your financial sanity
The Behavior Gap: Simple Ways to Stop Doing Dumb Things With Money
This book will help: avoid the tendency to buy high and sell low; avoid the pitfalls of generic financial advice; invest all of your assets-time and energy as well as savings-more wisely; quit spending money and time on things that don't matter; identify your real financial goals; start meaningful conversations about money; simplify your financial life; stop losing money
The Bottom Line: Money Book
How to earn more, keep more, and invest more wisely
The Graduate's Guide to Life and Money (2 copies)
A book for graduates to help them with their unique challenges in life and money. Recent college graduates will have the tools necessary to make wise financial decisions without being at the mercy of the better equipped sales professionals waiting to take advantage of the young and inexperienced
The Intelligent Investor
Graham's philosophy of "value investing" -- which shields investors from substantial error and teaches them to develop long-term strategies
1001 Ways to Reward Employees
Low-cost ideas and proven strategies to get the most out of your employees
What Had Happened Was… A Realistic Way to View a Deal of a Lifetime
What Had Happened Was gives new meaning to gaining something special. Here comes the deal of a lifetime and anyone can have it as long as they possess the right character and reputation worthy of the coveted prize of freedom. This is something that money can't buy. Only your past decisions can get you close enough to victory. Do you have what it takes to experience the deal of a lifetime? What would you do to be free?

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Financial Football
Give your financial knowledge a workout with Financial Football; a fast-paced, NFL-themed video game. Just answer financial questions to advance down the field and score touchdowns.
Financial Soccer
Put your financial skills to the test with the 2014 FIFA World Cup Brazil-branded version of Visa's fast-paced, multiple-choice question game. The game tests players' knowledge of financial management skills as they advance down the field and try to score.
I.O.U.S.A
Tells the story of America in debt. Faced with key deficits in budget, savings, trade, and leadership, increased foreign competition and ballooning financial obligations, the federal government is critically overextended. With the economy already in shambles, 78 million baby boomers are now expecting retirement benefits from their indebted federal government. Weaving together archival footage, economic data and candid interviews with Warren Buffet, Alan Greenspan, Paul O’Neill, Robert Rubin, Alice Rivlin, and Paul Volcker, along with David Walker of the Peter G. Peterson Foundation and Robert Bixby of the Concord Coalition, the film offers a vivid and alarming profile of America’s financial status
Inside Job (2 copies, Bluray available)
The global financial meltdown, at a cost of over $20 trillion, resulted in millions of people losing their homes and jobs. Through extensive research and interviews with major financial insiders, politicians and journalists, INSIDE JOB traces the rise of a rogue industry and unveils the corrosive relationships which have corrupted politics, regulation and academia.
Maxed Out
Maxed Out takes viewers on a journey deep inside the American style of debt, where things seem fine as long as the minimum monthly payment arrives on time. With coverage from small American towns all the way to the White House, the film shows how the modern financial industry really works, explains the true definition of “preferred customer” and tells us why the poor are getting poorer while the rich keep getting richer
Suze Orman for the Young Fabulous and Broke
“Generation Broke”- people in their twenties and thirties who graduate college with a mountain of student loan debt, and are stuck with one of the weakest job markets in recent history. They live off credit cards, may or may not have health insurance, and come up so far short at the end of the month that the idea of saving money is a joke. Suze helps the Young, Fabulous, & Broke take matters into their own hands- revealing precisely what actions to take and why