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Publisher's Note: ·Get a handle on the financial aid process; learn about loans, scholarships, grants, and work-study programs ·Approach financial aid with the right attitude and make debt work for you ·Choose the right school and understand how cost factors into college selection ·Utilize long- and short-term strategies to get the maximum aid you need ·Assess and respond to financial aid offers ·Pay back loans responsibly You ll also gain insight into how the government and colleges determine your expected family contribution (EFC). As a bonus, you ll discover the role affirmative action plays in the admissions decision. We ve even included real-life stories to help you avoid financial aid gaffes and pitfalls. Learn how to make informed action pay off now and in the long run so that one day you can give back to your alma mater and your community.