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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

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

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 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

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

Handshake
Online

Go to Handshake (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

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
PDF

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

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

A Look at 401k Plan Fees
PDF

What plan fees are and why you should pay attention to them

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

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

Savings Fitness: A guide to your money and your financial future
PDF

How to set and meet financial and retirement goals

Taking the Mystery out of Retirement Planning
Printed PDF

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

Target Date Retirement Fund
Online

Target date retirement fund basics and how to evaluate a fund

Tips on Using the Fee and Investment Information From Your Retirement Plan
PDF

How to use the investment-related information provided by your retirement plan

Top 10 Ways to Prepare for Retirement
PDF

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 Retirement Plan Fees
Online

How to understand the fees you're being charged through your retirement plan

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

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

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

Common student loan terms- explained

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?

Dvds

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