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Late Fall 2009 • Volume 4 • Issue 2
                                          Smart About College
                                                                                     tudents
                                          Year-End Tax Considerations That Can Save Students
                                             Tax day will be here before you know it. If you had higher education expenses in
                                          2009, or in some cases, saved money for future higher education expenses, you’ll
   2500 Broadway
   Helena, MT 59601                       want to keep reading to learn how you might be able to benefit when you file your
   www.SmartAboutCollege.org              taxes.
   www.safmt.org
   (877) COLG4ME
                                          Tax Credits for Higher Education Expenses
   — CONTRIBUTORS —                          Students and parents will want to research a variety of attractive tax credits –
   Jim Stipcich                           a reduction in the amount of income tax – this year.
   President and CEO                         In the past, taxpayers may have benefited from the Hope Tax Credit. With the
   Kelly Chapman
                                          passage of the American Recovery and Reinvestment Act (ARRA), the Hope Credit
   Vice President Foundation Activities   was renamed the American Opportunity Tax Credit. It applies for higher education
                                          expenses paid in 2009 and 2010. The changes, however, extend beyond what the
   Kris MacIntyre
   Development Officer                     name would imply. Among the changes:
   kmacintyre@safmt.org                       • The credit now extends beyond the first two years of college to include the
   (406) 495-7312
                                                 first four years of college.
   Darbie Hess                                • The maximum value of the credit has increased to $2,500 – a $700 increase
   Grants Manager                                from the Hope Tax Credit maximum.
   Rhonda Safford                             • Course materials are now eligible for consideration under the tax credit, and
   Programs Manager                              in some cases, computer expenses are eligible.
   Mary Howard                                • Eligibility for the tax credit has expanded to include families with higher
   General Manager                               incomes and families who do not owe taxes.
   Campus Outreach

   Kalie Porter                              If you have not yet filed your 2008 taxes, you may still be eligible for the Hope Tax
   Outreach Manager                       Credit for that year.
   MSU - Billings
                                             Yet another option for taxpayers to consider is the Lifetime Learning Credit, which
   Emily Flemming                         has no limit on the number of years it can be claimed. The Lifetime Learning Credit
   Outreach Manager                       generally covers up to $2,000 in higher education expenses, although students in
   Montana State University
                                          some states are eligible for up to $4,000.
   Shauna Savage                             While you cannot claim the American Opportunity Tax Credit, the Lifetime
   Outreach Manager
   Montana Tech                           Learning Credit, or the tuition and fees deduction (see below) in the same year, one
                                          may be more beneficial than the others in your unique case. Consult with your tax
   Breanna Dorseth
   Outreach Manager
                                          advisor or visit the Internal Revenue Service Web site (www.irs.gov) to make the
   MSU Great Falls College                appropriate determination.
   of Technology

   Marti Johnson                          Tax Deductions for Higher Education Expenses
   Outreach Manager                          Unlike tax credits that reduce the amount of tax you actually pay, tax deductions
   UM Helena College
   of Technology                          reduce the amount of your income that is subject to tax.
                                             Tax deductions are available for qualifying tuition and fees expense, student loan
   Josh Sloan                             interest, and certain work-related education expenses.
   Outreach Manager
   Miles Community College
                                          2009 Contributions to 529 Savings Plans
   Melissa Huntington
   Outreach Manager                          If you are a parent or grandparent and are looking for a tax-advantaged option for
   The University of Montana              higher education savings, you’ll want to check into 529 Savings Plans. Montana’s 529,
   Carolynn Bright
                                          the Montana Family Education Savings Plan, has a variety of options for growing your
   Media Relations Coordinator/           college savings. Contributions are deductable from state income taxes, up to $3,000
   Copy Editor                            per individual or $6,000 for those filing married, joint returns. Earnings in a 529 plan
   Wendy Brenden                          grow tax free and distributions used for higher education expenses are also tax free.
   Creative/Graphic Design                Learn more at www.Montana.collegesavings.com
 Smart About College • Late Fall 2009

Top Ten Financial Aid Tips                                      NSLDS: Know What You Owe
  1. Start now! High school choices affect college                 To repay student loans successfully, borrowers need
      success. A rigorous core may qualify you for addi-        to manage their finances. An integral component of that
      tional grants and entry into more desirable colleges.     money management process for students is to understand
  2. Complete the FAFSA as soon as possible after Jan. 1        their debt load before taking on more student loan debt.
      of your senior year.                                      One method of tracking this information is through the
  3. Don’t pay to have someone complete the FAFSA for           National Student Loan Data System (NSLDS) — a nation-
      you. Contact your local Student Assistance Foundation     wide database maintained by the U.S. Department of
      office or financial aid office for help.                     Education to house federal student loan and grant infor-
  4. Explore scholarships. Apply for institutional scholar-     mation.
      ships first. Use free scholarship searches online. Check      NSLDS provides students with information about their
      local resources (service clubs, churches, employers).     outstanding student loan and grant balances, status, loan
  5. Apply for admission the fall of your senior year and       lender/servicer/guarantor, awarded amounts, and
      submit your ACT/SAT scores and grade transcript.          disbursements.
      Some freshman recruiting/academic scholarships               Federal loan information includes subsidized and
      are awarded based solely on early application.            unsubsidized Stafford, Perkins, and Parent or Graduate
  6. Create college savings. Pre-pay tuition, make a dorm       PLUS.
      room deposit, purchase a college computer. Antici-           Federal grant information includes Pell, Federal Supple-
      pate costs and “spend down” student savings before        mental Educational Opportunity Grant (SEOG), Academic
      completing the FAFSA.                                     Competitiveness Grant (ACG), National Science and
  7. Create choice. Apply to your dream school, a second        Mathematics Access to Retain Talent (SMART) grant, and
      choice, and a “safety school” closer to home.             Teach Education Assistance for College and Higher
  8. Special circumstances can increase your awards.            Education (TEACH) grant.
      Notify the financial aid office if you have a disability,      NSLDS will not show students information on other
      job loss, divorce or death in your family.                non-federal types of aid such as private and nursing edu-
  9. Meet all your deadlines to maximize your awards.           cation loans. Nor will they find information on other types
  10. Borrow only as a last resort. Federal student loans       of consumer debt such as car loans, home mortgages, or
      must be repaid.                                           credit cards.
                                                                   Students can access NSLDS at www.nslds.ed.gov using
                                                                their federal student aid PIN. To obtain a PIN, request one
                                                                at www.pin.ed.gov.
Going Green with your Finances:
Automatic Bill Pay
   A little typing, a few clicks, and done! Bills paid, no
paper exchanged. Clearly, automatic and online bill pay         When in College, Watch Your Spending
systems are better for the environment. Without making
any extra effort, you significantly cut down on the amount          According to the Corporation for Enterprise
of paper being wasted on monthly statements. That               Development, about 70 percent of Montana graduates
alone is terrific, and Mother Nature will surely give you        leave college with debt — an average of $17,869. Much
bonus points.                                                   of that debt involves student loans that were borrowed
   Here are a few more reasons you should check out             in order to help cover living expenses in college.
automatic bill pay:                                                The example below illustrates why it is so important
     • No stamps necessary! That saves you money                to carefully consider how you are spending your money
       (and trips to the post office).                           while attending school:
     • No late fees! Most online bill pay programs                 If you drink four lattes a week during college at the
       automatically deduct your payments on the due            cost of $4 per drink, you would spend about $576 during
       date. Thus, you always pay on time.                      a typical, two-semester college year. This is money you
     • A 0.25 percent interest rate reduction! In many          could have been spending on essential living expenses.
       cases, if you pay your federal student loans through        But, to understand the true cost of “borrowing coffee
       a Direct Payment Authorization, you’ll qualify for       money,” consider the total cost of the loan. If you took out
       an interest rate reduction.                              an Unsubsidized Federal Stafford Loan for your coffee bill
   So, talk to your bank and ask about easier ways to pay       at 6.8 percent, and you didn’t make any interest payments
those monthly bills.                                            throughout your four-year degree program, your total
   And don’t forget to log on to www.safaccount.org             balance upon entering repayment would be $752. That
and sign up for Direct Payment Authorization. Keep our          means the full, 10-year repayment will be $1,038 — about
planet, and your pocketbook, a little bit greener!              $8 per latte. That’s an expensive habit!
                                           Smart About College • Late Fall 2009


  MCIS Feature                               FREE Online ACT and SAT Practice Tests
     College application due dates              Nonprofit Student Assistance Foundation (SAF) offers Montana students
  are just around the corner and high        the opportunity to prepare for their ACT and SAT exams at its www.Smart-
  school seniors will soon be thinking       AboutCollege.org Web site for free!
  about where they want to attend               After creating an account, students may complete three Peterson’s practice
  college. However, hand-in-hand with        ACTs and three practice SATs each year.
  their dreams of becoming a college            Each exam is divided into a series of timed sections designed to mimic the
  student comes the worry of how to          actual ACT and SAT. The sections take between 10 and 60 minutes to complete.
  pay for postsecondary education.           Students have the option to pause while testing, then returning to the exam
     In order to answer many of the          later.
  questions new students and their              Upon completion of a section, students can review their answers to see
  parents have regarding this topic,         which questions were answered incorrectly.
  the Montana Career Information                Once an entire test is finished, the scores are revealed in order to help
  System (MCIS) has developed a new          students identify areas in which they excelled, and those in which they need to
  section called “Paying for School.”        improve.
  This in-depth feature includes in-         This online resource can help students to:
  formation about the cost of college,           • identify areas of study in which they need more practice.
  how to pay for school, financial aid            • ease anxiety about taking important tests.
  and how to receive financial aid.               • reduce the chances of having to re-take the exam.
     College may be expensive, but
  the knowledge you will receive                And, like most things in life, practice makes perfect! According to research
  through higher education is truly an       conducted by ACT, 55 percent of students who took the ACT more than once
  investment in your future success.         increased their composite score.
                                                For official SAT dates visit www.collegeboard.com. For official ACT dates
                                             visit www.actstudent.org.

National Training for Counselors and Mentors – NT4CM
   A robust group of guidance counselors, teachers, and college access program staff attended the inaugural session of the
National Training for Counselors and Mentors (NT4CM) on Sept. 16.
   NT4CM offers counselors, educators, and others professionals working with college bound youth the opportunity to
learn about current financial aid practices. Financial aid changes almost annually, and this year is no exception.
   Attendees learned more about SMART and ACG grants, and resources like the FAFSA4caster that helps families plan early for
higher education costs. In addition, they heard from financial aid professionals about how financial aid is packaged for students.
    The Montana College Access Network has a cadre of NT4CM trainers all across Montana. If you’d like to schedule an
NT4CM session, contact Cory Chenoweth at Montana GEAR UP, (406) 444-0350 or cchenoweth@montana.edu.
This training is offered free of charge, and generally lasts from four to five hours. Continuing education units are available.


MCAN Education Call: Education of Homeless Children and Youth
                                                 The Montana College Access Network’s November education call will
                                             feature Barbara Duffield, policy director for the National Association for the
   MontanaCAN!
   MONTANA COLLEGE ACCESS NETWORK
                                             Education of Homeless Children and Youth (NAEHCY). That call will take
                                             place on Tuesday, Nov. 24, 2009 at 3:30 p.m. MST.
                                                NAEHCY, a national membership association, serves as the voice and the
  To participate, visit                      social conscience for the education of children and youth in homeless situa-
                                             tions.
  http://KnowHow2GOMontana.
                                                Duffield’s involvement in homeless issues began in 1990 when she was a
  ning.com/ and register under               tutor for homeless children in Washington, D.C. She subsequently joined the
  “Events.” All the dial in and              National Coalition for the Homeless (NCH) and served as director of Education
  Webinar instructions will be               for NCH from 1994 to 2003. In that position, she worked closely with educators,
  posted on this Web site. If you            service providers, federal agencies and Congressional offices to strengthen
  need assistance signing up for the         policy and practice on children’s issues.
                                                Duffield has conducted trainings around the country for school districts,
  Webinar, e-mail Rhonda Safford
                                             community organizations, and local, state, and national groups to assist in
  at rsafford@safmt.org or call              the implementation of the McKinney-Vento Homeless Education Assistance
  (406) 495-7750.                            Act. In addition, she has published several academic articles on policy and
                                             advocacy issues relating to the education of homeless children and youth.
  Smart About College • Late Fall 2009


   Donor Profile: Shalon Hastings
       It’s no secret that Helena resident and businesswoman Shalon Hastings             “I was impressed with how the foster care camp seemed to be such a
   is invested in making sure her customers enjoy the highest quality food and      simple, yet effective way to guarantee success for these participants who
   customer service possible at her popular downtown restaurant, Taco del Sol.      might not normally even consider college,” Hastings said. “I really felt that
   It’s a lesser-known fact, however, that Hastings is just as invested in ensur-   my donation would go directly to these young kids and make an improvement
   ing that Montana students have the opportunity to realize their dreams of        in their lives and an impact on our society as a whole.”
   postsecondary education.                                                             In fact, Hastings would like to see the college prep camp program grow to
       Hastings, a 1993 graduate of Helena High School, earned her bachelor’s       reach more foster care students in Montana, and maybe other states as well.
   degree in Business Management from The University of Montana, and doesn’t        In addition to supporting SAF’s efforts on behalf of Montana students, Hast-
   want to see any Montana student fail to reach their potential.                   ings volunteers her time to serve on the board of directors for the Myrna Loy
       That’s why she contributes to nonprofit Student Assistance Foundation’s       Center and is one of the founders of the Helena Young Professionals.
   “A Step Ahead” College Prep Camp for Montana foster care youths.


Thank You to Our Donors!
Aimee Muffick                              Eagle Bend Golf Course                    Lara Thomas                               Richard Peterson
Allegiance Benefit Plan                    Eleisha Leland                            Latigo & Lace                             Rick Pyfer
  Management, Inc.                        Sarah Elkins                              Laura Frost                               Rob Bird
Allegra Print and Imaging                 Emily Flemming                            Lila Taylor                               Roberta Thennis
ALPS                                      Fiddler’s Green                           Linda Carlson                             Rod Sundsted
Amber Osterman                            Finstad’s Carpet One                      Linda Knoblock                            Ron Lee and Sue Clarke
Anderson Zurmeuhlen & Co.                 First Interstate Bank                     Lisa Gomes                                Ron Muffick
Anonymous Donor                           First National Bank/Missoula              Lowell and Linda Wollitz                  Rose Donohoue
Arlene Williams                           First Security Bank                       Lynn Nelson                               Royal Johnson
Ashley Stark                              First Security Bank/Roundup               Marci Finkelstein                         Rusty Saylor
Barb Knutson                              Fred Flanders                             Marci Heigh                               Samuel A. Ramirez & Co., Inc.
Barbara LaSalle                           FutureSync-Wendy Samson                   Margaret and Jim McLuskey                 Sarah Morris
Bennett MacIntyre                         Garry Hicks                               Marina Cay Resort                         Sarah Nelson
Big Sky Resort                            Gene and Kathy Prendergast                Mark and Lynn Etchart                     Saunders Jewelry
Blue Cross Blue Shield                    George’s Distributing                     Marti Johnson                             Schylar Canfield
Bob Carlson                               Georgia Lindgren                          Mary Howard                               Scott and Nicole Todorovich
Breanna Dorseth                           Glenda Valvoda                            Meadow Lake Golf Course                   Seamus O’Neill/Liscarnan Solutions
Brenda Kolb                               Glendive BN Fed. Credit Union             Megan Lunde                               Shalon Hastings
Browning, Kaleczyc, Berry & Hoven,        Graduate Leverage                         Michele Burkholz                          Shauna Savage
  P.C. Shareholders                       Green Meadow Country Club                 Michele Faure                             Sheila Lopach
Bruce and Judy McMaster                   Greystone Bank                            Montana Broom and Brush                   Shelby Coover
Candi Preskar                             Gusto Distributing                        Montana Chamber of Commerce               Sherri Higgins
Candice Ahl                               Harold and Inez Gaarder                   Montana Credit Union                      Silver Star Steak Company
Carolynn Bright                           Heather Eatinger                             for Community Development              Simon Poole and Erica Keiter
Carroll College Athletic Dept.            Helena Motors                             Montana Gear-Up                           Stahly Engineering
Cathy Wood                                Helena OB/GYN                             Montana Guaranteed Student                Starbucks Coffee
Chris Ryan                                Heritage Propane                             Loan Program                           Steelcase
Christine Wise                            Hi-Heat Industries                        Montana School Counselor Association      Stephanie Chambers
Clay Hanson                               Independent Record                        Montana Shares                            Steve and Lisa Bullock
College Savings Bank                      Jamie Valvoda                             Montana State University                  Sugar Salon
Cross Point Capital                       Janet Riis                                Montana State University/Billings         Tanja Hulst
Crowley Fleck Law Firm                    Jay Trepanier                             Montana Tech Foundation                   Teresa Blackburn
Damian Briggs                             Jayme Auer                                Mr. and Mrs. Cordell Johnson              Texas Guaranteed Student
Dan McGurran                              Jeff Bradshaw                             Mr. and Mrs. Don Campbell                    Loan Corporation
Dan Rawson                                Jerry & Cheryl Berberet                   Mr. and Mrs. Ed Jasmin                    Thad Houdeshell
Darbie Hess                               Jerry Loendorf                            Mr. and Mrs. Peter Sullivan               The Investment Group
David Kiesling                            Jessica Ritchie                           Nancy Pinzon                              Todd Gordon
David Reicher                             Jim and Peggy Stipcich                    Nicole Hanni                              Todd Jones
David Thompson                            Joan Poston                               NIKE, Inc.                                Tom and Sherry Cladouhos
Dawn Dorrington                           JoAnn Chambers                            Nina Lococo                               Town Pump Charitable Foundation
Dean Johnson                              JoAnn Weber                               Nolan Glueckert                           Traci Fladeland
Dean Schechter                            Jon and Jolene Selby                      NorthWestern Energy                       Traci Merzlak
Denise Kuntz                              Josh Sloan                                O’Keefe Drilling                          Treacy Company
Dennis & Phyllis Washington               Joyce Day                                 Old Works Golf Course                     Tricia O’Connor
  Foundation                              Judy Leland                               Omega Consulting                          University of Great Falls
Dennis and Lynn Doherty                   Julie Massaro                             OmniCap Group                             University of Montana
Dennis Osterman                           Kalie Porter                              Pat Haffey and Mike Billings              Valerie Benkie
Diamondback Golf                          Kay Culp                                  Pat Schlauch                              Valley Bank
DJ Whitaker                               Kelly Chapman                             Payne Financial                           Valley Farms
Don MacIntyre                             Kelly Waltz                               Penny Balcerzak                           Van’s Thriftway
Donna Erickson                            Kevin Crabtree                            Phyllis Atkinson                          Wells Fargo
Don Kohne/Liscarnan Solutions             Kim Cunningham                            Placer Motors                             Wendy Brenden
Don Oliver                                Kim Schaefer                              Pug Mahon’s                               Wendy’s of Montana
Dorsey Whitney/Mike Reeslund              Kim Varvel                                Rhet Oligmiller and Nicci Jasmin          Women of the Moose
Dr. and Mrs. Bud Kall                     Kit’s Tackle/Kit Johnson                  Rhonda Safford
Dr. Paul Melvin                           Kris MacIntyre                            Richard Ortega
                                                                              Smart About College • Late Fall 2009


Montana College Goal Sunday 2010                                             Foster Care Student
                                                                             Getting Settled at College
                        Preparations for the 2010 Montana College Goal
                     Sunday (CGS) event are well underway and the                                                Establishing a balance
                                                                                                             among classes, part-time
                     excitement is building.
                                                                                                             work and homework has
                        For most families, the process of obtaining finan-                                    been one of the toughest
                     cial aid begins annually with the completion of the                                     transitions for Montana
                     Free Application for Federal Student Aid (FAFSA), and                                   foster care youth, Alicia
                     Student Assistance Foundation and its community                                         Talamentes, in her first
                     partners are prepared to assist with that process.                                      months at Montana State
                        This year, College Goal Sunday will take place at                                    University-Billings.
                     18 sites on Sunday, Jan. 31 and Wednesday, Feb. 3.                                          “I spend most of my
                     Sites have the option of holding the event on one                                       ‘free time’ doing home-
                     or both days, so participants should visit                                              work,” she said, adding
www.CollegeGoalMT.org or call 877-COLG4ME to check event details                                             that she hopes to make
                                                                                                             room in her schedule for
in their communities.
                                                                             different activities as she hones her time manage-
    Participants in the Helena event will see a significant change from       ment and study skills.
previous years that event coordinators believe will provide better service       That said, the freshman from Helena is enjoying
to students and families in the area. Instead of having just one event in    living in the dormitories because she is in close
the community, Carroll College and The University of Montana-Helena          proximity to campus events and that provides a wide
College of Technology will each host a College Goal Sunday event. Carroll    range of social opportunities to round out her college
College will host its event on Sunday and UM-Helena will host its event      experience.
on Wednesday.                                                                    “When classes first started, I was confident that I
    In an effort to ensure that we reach our American Indian audience in     was ready and prepared,” Alicia said. “But then I real-
Montana, the American Indian Business Leaders (AIBL) group will again        ized I had to be 100 percent dedicated to my educa-
be assisting in our endeavor. This will be the fourth year AIBL has helped   tion! That was a commitment, but I knew I was ready.”
                                                                             According to Alicia, her favorite class is Introduction
these students and families complete the FAFSA at CGS.
                                                                             to Business, despite the early hour at which she must
    Plus, we are fortunate to have several site coordinators returning to    wake up to attend it. She explains that she appreciates
organize CGS in their communities, along with some new volunteers.           the lectures and atmosphere as a whole.
These site coordinators begin their task of preparing for the next CGS           On the other hand, her most difficult class is
with their annual CGS site coordinator training in November.                 Intermediate Algebra.
    In 2009, 986 students completed their FAFSAs with help from Mon-             “I know I need to succeed in my math classes to get
tana College Goal Sunday volunteers, bringing the total number of            my desired career so I try my hardest to understand
FAFSA filers served since the establishment of the event in Montana five       what I’m doing and to get the work done,” she said.
years ago to more than 5,000.                                                Alicia said MSU-Billings provides excellent resources for
    College Goal Sunday is a national program that was originally created    students in need of extra help with their coursework.
by the Indiana Student Financial Aid Association with funding from Lilly         Also, Alicia plans to visit nonprofit Student
                                                                             Assistance Foundation’s campus outreach office at
Endowment, Inc. and with supplemental support from Lumina Foundation
                                                                             the college to research scholarships and attain other
for Education.                                                               information about furthering her academic ambitions.
                                                                                 Alicia’s visit to the campus outreach office won’t
$cholar$hip Hunting                                                          mark the first time she has turned to SAF for help
                                                                             reaching her dreams of a college education. She
                                                                             worked with SAF employees to complete the Foster
   Maximizing all of your funding opportunities when paying for a college
                                                                             Care Education and Training Voucher she used to
education is a smart approach, but in the current economic climate, it is    help fund her education, and attended SAF’s “A Step
even more important.                                                         Ahead” College Prep Camp for foster care youths to
  Scholarships are free financial aid that come from a variety of sources     prepare herself for college.
including foundations, community organizations, civic groups, religious          Thus far, Alicia is pleased with her progress in the
or ethnicity-based organizations, career fields, or local businesses and      college environment.
employers. Often they are based on academic or athletic achievements.            “I am helping myself accomplish my goals in life,”
Many scholarship searches are available, but it’s a good idea to use the     she said, adding that she wants to prove to herself
FREE ones. Many sites and companies charge for scholarship searches,         that she can succeed.
but fail to make the students aware that scholarships are not guaranteed.
                                                                                Alicia is a thoughtful, 19-year-old foster care student
   The Montana Career Information System (MCIS) offers an excellent          who attended this year’s “A Step Ahead” College Prep
scholarship search tool. To start your search, sign on to www.Smart-         Camp. She has agreed to share her experiences during
AboutCollege.org and click on MCIS. A full section relating to financial      her first year of college. Watch for more in the next
aid is available, including information about 3,000 scholarships. For        issue of SAF’s “Smart About College” newsletter.
assistance, please call (877) COLG4ME (265-4463).
                                         Smart About College • Late Fall 2009

 Campus Outreach Spotlight - Montana Tech
   By some descriptions, Student Assistance Founda-         “I’m always amazed at how many visitors have taken my
tion’s campus outreach office at Montana Tech of the         card to give to another family member who is going to be
University of Montana is a lot like a fish bowl due to its   going to college soon, or is struggling with student loan pay-
prominent location.                                         ments,” she said.
   But to Shauna Savage, campus outreach manager
at Montana Tech, the fish bowl-like setting of her office
provides a great opportunity for students to drop in and                               SHAUNA SAVAGE,
learn more about SAF and the services it provides.                                     campus outreach manager
   “My unique location makes me accessible to answer                                   Contact information:
questions like, ‘What is Student Assistance Foundation?’                               Student Assistance Foundation
and ‘What do you do here?’” said Savage. “It gives me a                                Montana Tech
great opportunity to educate people on campus who are                                  Student Union Building, Room 112A
unaware of the services that SAF provides and to spread                                1300 W. Park, Butte, MT 59701
our mission statement to those in the community or                                     (406) 496-4890 Office
alumni who visit the campus.”                                                          (406) 498-8858 Cell
   According to Savage, she fields a wide variety of                                    (406) 496-4891 Fax
requests from the students who visit her, ranging from                                 ssavage@safmt.org
FAFSA completion help to deferment request assistance.


   Defend yourself from identity theft! Monitor your credit report information every year by using the Federal Trade
   Commission’s only official, FREE site at www.annualcreditreport.com.

  Want to share this newsletter with students and parents? You can get it FREE at www.SmartAboutCollege.org.




                                                                                     2500 Broadway, Helena, MT 59601



  Helena MT
 Permit No 327
  PAID
  US Postage
 Nonprofit Org




       families with the knowledge and tools to finance and pursue their postsecondary education.
      The mission of Student Assistance Foundation is to provide students and their                     Our Mission

				
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