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Take Charge of Your Life

• Set SMART Life and Money Goals
  • Worksheet: My Money Coat of Arms
  • Setting SMART Goals
  • Worksheet: Set SMART Goals
  • The College Payoff
  
• Who Will Pay for What?
  • Worksheet: Typical College Expenses
• Get Organized
  
• Protect Yourself and Your Personal Information
  • Identity Theft — What is it?
  • Worksheet: Financial Scavenger Hunt
  • How do Thieves Commit Identity Theft?
  • How do Thieves Get Personal Information?
  • How to Prevent Your Identity from Being Stolen
  • Cyber Safety — Keep Scammers, Phishers, and Hackers Out of Your Life
  • Social Networking — "Friends" You Don't Want
  • Campus and Apartment Safety — Stay Aware and in Control
  

Stay on Top of Your Financial Aid

• Understanding Financial Aid
  • Financial Aid Resources
  • Can I Get Financial Aid?
  • Submit a FAFSA Every Year
  • I Hate Filling Out Forms!
  • Things You Should Know About FAFSA
  • What Happens After I File the FAFSA?
  • What is the PROFILE® Form?
  • What if My Financial Situation Changes?
  • What If I'm Not Like Other Students?
  
• Where Does Aid Come From?
  • How Many Students Use Financial Aid?
  • Four Major Sources for Financial Aid
  
• Financial Aid Mistakes
  
• Financial Aid FAQs
  
• Other Ways to Pay for College
  
• Keep Looking for Financial Aid
• Use Loans as a Last Resort
• Understand Your Student Loan Obligation
• Trends in College Costs

College Life: Make Your Own Ground Rules

• Your Job—Increase Your Income
  • Make School Your First Job
  • Stay Eligible for Financial Aid
  • Look for a Job on Campus
  • Turn a Hobby or Skill into a Money Making Endeavor
  • Pay Yourself First
  • Ways to Pay Yourself First
  • Get Ready for Your Career
  • Use College Career Resources
  • WOW! Look at Your Skill Set!
  • Worksheet: List Your Skills
  
  • Write Your Resume
  • After You Submit a Resume, Follow Up
  • How Your Online LIfe Can Affect Your Career
  • What Salary Can I Expect?
  • Understand Your Benefits
  
• Dorm and Apartment Life—What You Need to Know
  • Apartments—What You Need to Know
  • Pros and Cons of Dorm Life Versus Apartment Life
  • Worksheet: Dorm vs. Apartment Expenses
  
• Live a Full Life Without Going Broke
  • Resist Peer Pressure to Spend
  • Worksheet: Step One: Determining Monthly Income
  • Worksheet: Step Two: Determine Monthly Expenses
  • Worksheet: Step Three: Compare Income and Expenses
  • Your Relationship With Money
  • Needs Versus Wants
  • Worksheet: Needs vs. Wants
  • Delayed Gratification
  • Plug Everyday Spending Leaks
  • Be a Smart Shopper
  • Create a Spending Plan
  

Bank on Your Success

• Bank and Credit Union Accounts: Get an Account that Works For You
  • Worksheet: Account Comparison Checklist
  • Don't Bounce Checks
• Build Your Credit Wisely
  • The Pros and Cons of Using Credit
  • The Cost of Using Credit
  • Typical Credit Terms and Conditions
  • Worksheet: Credit Comparison
  • Know the Signs of Having Too Much Debt
  • Get Help if you Get into Trouble With Debt
  • Worksheet: Debt Summary and Reduction Plan
• Pay Yourself First
• The Cool Rule of 72
• Start Thinking About Saving Now
  

Acknowledgments