College Loan Consolidation, Federal Loan Consolidation, Private Loan Consolidation, Student Loan Consolidation

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Take a print of this step by step calendar to review the steps that you need to take to ease out the process of college application and financial aid.

Freshman Year, High School
Sophomore Year, High School
Junior Year, High School
Senior Year, High School
Freshman Year, High School

  • Join school clubs and community organizations.

  • Strong academic record should be built.

  • Start speaking to your guidance counselor.
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Sophomore Year, High School

  • Get complete information of the college, if possible visit personally.

  • Talk to the students you know.

  • Take PSATs.

  • Think of the college clearly- urban or rural, private or public, large or small.

  • Stay active during the admission process.
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Junior Year, High School


  • Narrow down your list of schools to five or ten.

  • Request for admission materials and catalogs from these schools and check out the same in the web sites.

  • Meet the financial aid staff, students and faculty.


  • A list of all your application due dates should be made.

  • Be ready to take SAT, SATII and/or the ACT in March or April.

  • Mark the colleges you want to apply so that your scores will be sent there.

  • Consult your counselor if you can register for advanced placement to earn college credit.

  • Maintain good academic score. Many colleges will look up for your senior years' performance.

  • Keep visiting your college. Spring break is a fine time.


  • If you haven't yet taken SAT, SATII or the ACT, sign up for these entrances.

  • Continue visiting colleges.

  • Obtain all application materials including forms from various colleges.

  • Work hard and take part in extra curricular activities as well as volunteer organizations.
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Senior Year, High School


  • Shortlist your list of schools to make them between five to ten.

  • Ask for admission material, catalogs from the short listed schools, and visit their Web sites.

  • Be open to any kind of recommendations and guidance from your counselor, teachers, and employers.

  • Visit the schools on your list and meet their faculties, students, and the financial aid staff.


  • A list of all your application due dates should be made.

  • Fill your forms under proper guidance and start writing your essays.

  • In case you are looking for early admission, request an Early Financial Aid application.

  • You must download a copy of the Free Application for Federal Student Aid (FAFSA). Various resources which provide these copies are public libraries, high school guidance counselors, or local colleges.


  • Apply for the scholarships.

  • Submit your application as early as possible.

  • Parents should complete the tax process early; this is needed for filling FAFSA and other financial aid applications.

  • Submit FAFSA as soon as possible. You must ensure that you fill in the names of colleges of your interest and keep a copy for your record.
  • Start your preparation for advance placement exams, if applicable.


  • Four weeks have passed by since you've submitted your FAFSA and no reply as yet? Time to call the Federal Student Aid Information Center at 1-800-4-FED-AID.

  • Ensure that your financial aid applications, transcripts, and recommendations have been submitted.

  • Check your Student Aid Report (SAR) if it needs any corrections. Keep a copy with yourself and send another to your school, if required.

  • Relax! Waiting to hear from the colleges may be the most difficult time.


  • Compare the colleges that have accepted you and study the financial aid you have been offered.

  • Make a detailed study of the ones which have accepted you and the ones which have not.

  • Sign financial aid forms and return them with your deposit.

  • Take advanced placement exams for college credit, if required.


  • If required, you should apply for a Stafford Loan.

  • If needed, ask your parents to apply for a PLUS loan. Keep yourself updated on your school's PLUS application deadlines and other requirements.

  • Discuss your loan details with your financial aid administrator and attend an entrance interview with a financial aid counselor to learn about the terms of your loan.

  • For students applying for Stafford loan, they can complete their required entrance interview online.

  • Enjoy your summers!! Look forward to an amazing time in a well-earned college.
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How EdFed Helped others!
EdFed saved me thousands of dollars! They gave me a low-fixed interest rate, borrower benefits, and low monthly payments. My loan counselors walked me through each step of the application process, and I felt very comfortable with my choice to consolidate with EdFed. I recommended EdFed to several of my classmates, and they too have had great experiences. I am so glad I found out what EdFed has to offer, there really is a difference between lenders!
- David G.  Dallas, TX
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Student Loan Consolidation Info - How to Choose the Right Loan Company

This column is sponsored by Granted, America's top job search engine. The Career Resources column is presented by Granted, America's leading job search engine dedicated to getting people jobs.

Education is one of the most basic right of any human, but with the increase in prices and the costs involved in education this has made these rights turn into a privilege which very few can enjoy. Any normal person today in the whole of United States has to take an education loan at one point of time to pay for their education fees.

read more
Schools Will No Longer Receive Paper FAFSA Forms
(September 20, 2007)

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