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					                                            1500 Valley River Drive, Suite 100
                                                      Eugene, Oregon 97401

Oregon Student Assistance Commission

Financial Aid Handbook
for High School Counselors
and Other Financial Aid Professionals


.      .       .   .   .     .     .    .       .      .      .       .       .
Financial Aid Information and Resources
from the 2002 National Scholarship Provider of the Year

October 2003                            The Oregon Student Assistance Commission
                                                1500 Valley River Drive, Suite 100
                                                          Eugene, Oregon 97401
                                                                1 (800) 452-8807

Oregon Student Assistance Commission

Financial Aid Handbook
for High School Counselors
and other Financial Aid Professionals


.      .       .   .     .     .     .      .       .      .     .      .     .
Financial Aid Information and Resources
from the 2002 National Scholarship Provider of the Year

October 2003
Financial Aid Handbook
for High School Counselors
and Other Financial Aid Professionals

Table of Contents

          - The Oregon Student Assistance Commission

     Section One: Financial Aid Overview
          - General Information about Financial Aid and the Financial Aid Process

     Section Two: Oregon College Information
          - Student Budgets
          - College Financial Aid Offices and Federal School Codes

     Section Three: Completing the FAFSA
          - Introduction and Resources
          - Draft 2003-2004 FAFSA Form and Instructions

     Section Four: Finding & Applying for Scholarships
          - Introduction and Tips for Counselors
          - OSAC Scholarship Application Activities Chart
          - Ford Program Special Recommendation Form
          - Six Warning Signs of Scholarship Scams

     Section Five: Additional Resources
          - ASPIRE Program Resources
          - Useful Links from the Oregon Student Assistance Commission Website
          - Activity Chart
Higher education is one of the best investments a family can make, but it can have a high
price tag.

Tuition and fees, books and supplies, room and board, and other expenses for just one
academic year can run as high as $12,000 at a community college, $15,000 at a four-year
public university, and $39,000 – or more – at a private college or university.

Fortunately, financial aid from a variety of federal, state, institutional, and private sources is
potentially available to help meet those costs.

The Handbook for High School Counselors and Other Financial Aid Professionals will
describe the process of finding and applying for financial aid. This information is presented
as a public service by the Oregon Student Assistance Commission (OSAC). For more
information, you can call OSAC or visit www.osac.state.or.us. Our new student website is

       This handbook is produced for your students and their families.
                 Feel free to make copies of pages for distribution.

                                    Contact Information:

                         The Oregon Student Assistance Commission
                             1500 Valley River Drive, Suite 100
                                  Eugene, Oregon 97401

                      Administration                          541-687-7400
                      Grants & Scholarships                   541-687-7395
                      Scholarship Development                 541-687-7385
                      FFELP Student Loans                     541-687-7375
                      Public Information                      541-687-7407
                      Toll-free                               800-452-8807
                      Fax                                     541-687-7419
                                           October 2003
The Oregon Student Assistance Commission

Created by the Oregon Legislature in 1959, the Oregon Student Assistance Commission
(OSAC) administers a variety of state, federal, and privately funded student financial aid
programs for the benefit of Oregonians attending institutions of postsecondary education.

The mission of the agency is to assist Oregon students and their families in attaining a
postsecondary education and to enhance the value, integrity, and diversity of Oregon's
college programs.

The Oregon Student Assistance Commission:
• Develops and administers scholarships and administers the state-funded
   need-based grant program
• Guarantees student loans from private lenders
• Educates students to prevent loan defaults
• Manages the ASPIRE program: volunteers advise high school students on
   postsecondary education and financial aid options
• Provides computer-based information services
• Performs collection activities on student loans in default
• Provides authorization of postsecondary degree programs offered by out-of-state and
   unaccredited colleges

Today, more than 220,000 students are enrolled in authorized degree programs in Oregon
colleges and universities, and approximately 20,000 more students will begin
postsecondary education in the next twelve months.

The staff of the Oregon Student Assistance Commission helps more than 50,000 Oregon
students work toward their educational goals each year—nearly one of every four
enrolled students in the state.

The Oregon Student Assistance Commission can be reached at 541-687-7400 or
online at www.osac.state.or.us
                                       1500 Valley River Drive, Suite 100
                                                 Eugene, Oregon 97401

Oregon Student Assistance Commission

Section One:
Financial Aid Overview

.      .       .   .   .   .   .   .       .      .     .      .     .
Financial Aid Information and Resources

October 2003
Financial Aid Overview
There are four main sources of financial aid:
• Grants                                        • Employment Funds (Work Study)
• Scholarships                                  • Loans

Knowing the similarities and differences        and can be either on-campus or in the
among the types of financial aid will give      community. In addition to the immediate
you a good start in understanding how it all    financial benefit, participating in a student
works.                                          employment program can provide
                                                experience that may help in landing a job,
Grants don’t have to be repaid.                 or even deciding on a career after
The federal government is the largest
provider of grants: the Federal Pell Grant
                                                Loans make up more than half of all
program assists the neediest undergraduate
                                                available financial aid, and they must be
applicants, while the Federal
                                                repaid with interest.
Supplemental Educational Opportunity
Grant usually goes to early applicants who      The Federal Perkins Loan, Federal
are also the neediest Federal Pell Grant        Stafford Loan, Federal Direct Loan
recipients. Many states also provide grants     programs, and Federal PLUS (or Parent
to needy students. Oregon’s state grant         Loan) are the primary sources of these
program, the Oregon Opportunity Grant,          funds. Private lenders, as well as some
provides funds to eligible Oregon residents     states and schools, also offer educational
attending Oregon postsecondary schools.         loans.
Many institutions also provide grants to
needy applicants.                               Federal loans can be subsidized or
                                                unsubsidized. “Subsidized” means that no
Scholarships are also funds that you don’t      interest accrues while the student is
have to repay.                                  enrolled and for a grace period afterward;
                                                “unsubsidized” means that interest begins
Most scholarships come from institutional
                                                to accrue when the student or parent
or private sources. While recipients are
                                                receives the funds. In most cases, student
usually selected based on their academic
                                                borrowers can defer payment of principal
merit and interests, writing ability, and
                                                and interest until after graduation. Parent
recommendations, their financial need may
                                                borrowers have to begin making payments
also be considered.
                                                while the student is enrolled. Loan limits
                                                vary. For first-year students, loans are
Employment funds are provided by the
                                                usually limited to $2,625. A good resource
Federal Work-Study program, as well as
                                                for student loan information is your college
by some state and institutional programs.
                                                financial aid office or OSAC’s website for
These funds allow students to earn money        students, www.GetCollegeFunds.org.
that can help pay living expenses while
they attend school. The jobs are part time
   The Free Application for Federal Student Aid (FAFSA) is the form you
   use to apply for all need-based financial aid. You must complete the
   FAFSA to be eligible for financial aid in Oregon (or almost anywhere!).

Paper FAFSAs are available from high             application—you can always provide the
schools, colleges and universities, libraries,   actual figures when you have them.
and the federal government. An online
version, called FAFSA-on-the-Web, is an          A few weeks after submitting the FAFSA,
increasingly popular option that can be          students receive a Student Aid Report
accessed at www.fafsa.ed.gov. More               (SAR) that allows them to review the
information on the FAFSA can be found in         information they provided and to correct it
section three of this handbook.                  if necessary. Schools receive this data
                                                 electronically at about the same time and
Continuing students who received financial       may then request additional information
aid during 2003-2004 should receive by           from students – such as copies of federal
mail either a Renewal Application or a           income tax returns or other documents – as
Personal Identification Number, with             part of reviewing the information.
accompanying instructions, that will allow
them to apply for financial aid again            Some schools, usually selective private
quickly and easily since much of their           colleges and universities, also require
information is already on file.                  students to complete an additional
                                                 application, such as the College
Send in your FAFSA or Renewal                    Scholarship Service's PROFILE, to
Application in January to assure that            allow determination of their eligibility for
you’ll be considered for all available           institutional funds. You should check with
financial aid sources. This timing is            the schools you're applying to for
critical because schools run out of some         information on whether you need to
types of funding quickly every year. If          complete any forms in addition to the
you haven’t prepared or filed your tax           FAFSA, and if so, when you need to
return by then, it's OK to provide income        submit them.
estimates rather than actual figures on the

Financial Aid Eligibility
Once the school has received and reviewed        Cost of Attendance
all of the necessary information, it will        The Cost of Attendance includes amounts
determine your financial aid eligibility.        for tuition and fees, books and supplies,
The kinds and amounts of financial aid a         room and board, transportation, loan fees,
student is offered depend on the Cost of         and miscellaneous costs. It can also
Attendance that each school sets and the         include dependent care and disability-
Expected Family Contribution that                related educational expenses. Please see
results from calculations done using the         the student budget information in Section
information reported on the student's            Two of this handbook.
Expected Family Contribution                   Once the school creates the student's award
The Expected Family Contribution is            package the financial aid office sends the
determined by applying a formula to the        student an award notification.
FAFSA information. The resulting
calculation represents the amount of           The notification indicates the financial aid
money that, according to the formula, the      types and the amounts offered, and
student's family should be able to             explains any additional steps the student
contribute toward college costs for an         needs to take to receive the funds, such as
academic year.                                 returning a signed award acceptance and
                                               completing loan applications or promissory
Past year income is used for a couple of       notes.
reasons: it can be documented using
income tax returns and W2 forms, and in        When the student starts classes, his or her
most cases it's a relatively good predictor    financial aid is applied toward the costs for
of a family's financial situation. Students    which their school bills them. Any funds
and parents who have recently experienced      that exceed what the student owes the
a divorce or separation, loss of a job, or a   school are then given or sent to the student
death or illness in the family may feel that   to help with other educational expenses.
past year income doesn't reflect their true    Some schools are required to wait 30 days
financial situation. If you have such          before disbursing Federal Stafford Loan
special circumstances you should discuss       funds to new students, so talk with your
them with a financial aid administrator at     financial aid administrator if this will
the school you plan to attend. Financial       present a problem.
aid administrators decide how to treat such
circumstances on a case-by-case basis, and     As you can see, the process of applying for
may be able to adjust your expected            and obtaining financial aid does involve
contribution.                                  several steps, but it isn't particularly
                                               difficult or complicated.
Determining Need
Schools subtract the Expected Family           If you have any questions as you go
Contribution from their Cost of Attendance     through the process, remember that
to determine the student's “need,” and then    financial aid administrators are available to
try to meet as much of that need as            answer them.
possible with financial aid.

Scholarships fill part of this calculated
need; schools then usually draw from
among several sources of financial aid to
offer students “packages” of assistance.
                                       1500 Valley River Drive, Suite 100
                                                 Eugene, Oregon 97401

Oregon Student Assistance Commission

Section Two:
Oregon College Information

.      .       .   .   .   .   .   .       .      .     .      .     .
Student Budgets and Campus Contact Information

October 2003
 2003-04 Student Budgets
College budgets continually change. These figures are accurate as of printing (10/03).

                                          Dorm or Off- Tuition Books & Room & Personal
OREGON UNIVERSITY SYSTEM                                                                     Travel   Other TOTAL
                                           campus?     & fees supplies board expenses
Eastern Oregon University                 Off-campus     4,560    1,017 5,775          999      750 8,541 13,101
Oregon Health & Sciences University       Off-campus     9,760    1,825 11,550       1,540    2,750 17,665 27,425
Oregon Institute of Technology                  Dorm     4,367     1000 5,680        2,004        0 8,684 13,051
Oregon State University                          Both    4,719    1,350 6,336        2,082        0 9,768 14,487
Portland State University                 Off-campus     4,233    1,200 8,175        1,400      450 11,225 15,458
Southern Oregon University                       Both    4,152     1068 6,210        2,100      600 9,978 14,130
University of Oregon                             Both    4,863      900 6,570        2,350        0 9,820 14,683
Western Oregon University                        Both    4,305    1,080 5,976        2,175        0 9,231 13,536

                                          Dorm or Off- Tuition Books & Room & Personal
OREGON COMMUNITY COLLEGES                                                                    Travel   Other TOTAL
                                           campus?     & fees supplies board expenses
Blue Mountain CC                          Off-campus     2,244      900    4,500       825      900 7,125 9,369
Central Oregon CC                         Off-campus     2,202      900    5,883       900     1575 9,258 11,460
Chemeketa CC                              Off-campus     2,520    1,125    4,575     1,200    1,380 8,280 10,800
Clackamas CC                              Off-campus     2,685     1200    6,600     1,050     1200 10,050 12,735
Clatsop CC                                Off-campus     1,944    1,050    5,154     1,008    1,200 8,412 10,356
Columbia Gorge CC                         Off-campus     2,232    1,200    5,100     1,230    1,140 8,670 10,902
Klamath CC                                Off-campus     2,433      975    4,836     2,598           8,409 10,842
Lane CC                                   Off-campus     2,670     1200    5,400     1,215    1,296 9,111 11,781
Linn-Benton CC                            Off-campus     2,100      900    5,895     1,098    1,188 9,081 11,181
Mount Hood CC                             Off-campus     2,751      915    4,734      1275    1,065 7,989 10,740
Oregon Coast CC                           Off-campus     2,520    1,125    4,575     1,200    1,380 8,280 10,800
Portland CC                               Off-campus     2,232    1,200    5,100     1,230    1,140 8,670 10,902
Rogue CC                                  Off-campus     2,607    1,200    5,550     1,200    1,200 9,150 11,757
Southwestern Oregon CC                    Off-campus     2,478      840    5,490       960      840 8,130 10,608
Tillamook Bay CC                          Off-campus     2,232    1,200    5,100     1,230    1,140 8,670 10,902
Treasure Valley CC                               Both    2,700      750    4,350     1,500      975 7,575 10,275
Umpqua CC                                 Off-campus     2,415      900    4,950     1,200    1,050 8,100 10,515

                                          Dorm or off- Tuition Books & Room & Personal
OREGON INDEPENDENT COLLEGES                                                                  Travel   Other TOTAL
                                           campus?     & fees supplies board expenses
Concordia University                             Both   17,550      750    5,100     1,350      500 7,700 25,250
George Fox University                            Both   19,800      600    6,300       900      350 8,150 27,950
Lewis & Clark College                           Dorm    24,686      800    7,030       900      900 9,630 34,316
Linfield College                                 Both   20,970      600    6,120     1,100      200 8,020 28,990
Linfield, Portland Campus                 Off-campus    20,940    1,000    8,000     1,500    1,500 12,000 32,940
Marylhurst University                     Off-campus    12,960     1200    6,000     1,800      600 9,600 22,560
Mount Angel Seminary                            Dorm    11,880      600    6,620     1,000    1,000 9,220 21,100
Northwest Christian College                     Dorm    16,200      825    6,075       900      900 8,700 24,900
Oregon College of Art and Craft           Off-campus    14,990      900    9,500       800    1,400 12,600 27,590
Pacific Northwest College of Art          Off-campus    15,530      936    6,984       585      504 9,009 24,539
Pacific University                               Both   19,890      700    5,540       968      500 7,708 27,598
Reed College                                    Dorm    29,200      950    7,750       900      250 9,850 39,050
University of Portland                           Both   22,020      700    6,670       800      800 8,970 30,990
Warner Pacific College                          Dorm    16,910      767    5,597     2,375      708 9,447 26,357
Western Baptist College                          Both   16,074      700    5,724     1,602    1,600 9,626 25,700
Willamette University                            Both   25,432      800    6,600     1,166           8,566 33,998

OREGON UNIVERSITY   MAILING ADDRESS                            FIN AID CONTACT            FIN AID        FIN AID
SYSTEM              WEBSITE                                    EMAIL ADDRESS              PHONE #        FAX #
Eastern Oregon University One University Blvd, Financial Aid   Carolyn Prescott           541/962-3550    541/962-
003193                    La Grande OR 97850                   Carolyn.Prescott@eou.edu   800/452-8639      3661
Oregon Health Sciences    3181 SW Sam Jackson Pk Rd L109       Cherie Honnell             503/494-7800    503/494-
004883                    Portland OR 97201-3098               Honnellc@ohsu.edu          800/775-5460      4629
Oregon Institute of Tech. 3201 Campus Drive                    Tracy Lehman Marquitt      541/885-1280    541/885-
003211                    Klamath Falls 97601                  Marquitt@oit.edu           800/422-2017      1024
Oregon State University   218 Kerr Administration Bldg         Patti Brady-Glassman       541/737-2241    541/737-
003210                    Corvallis OR 97331                   Financial.aid@orst.edu                       4494
Portland State University PO Box 751                           Samuel Collie              503/725-3461    503/725-
003216                    Portland OR 97207-0751               Collies@pdx.edu            800/547-8887      5965
Southern Oregon Univ.     1250 Siskiyou Blvd                   Peggy Nitsos               541/552-6161    541/552-
003219                    Ashland OR 97520-5006                Finaid@sou.edu             800/482-7672      6035
University of Oregon      1278 U of O                          Elizabeth Bickford         541/346-3221    541/346-
003223                    Eugene OR 97403-1278                 Ebick@uoregon.edu          800/760-6953      1175
Western Oregon University 345 N Monmouth Ave                   Sandra Mountain            503/838-8475    503/838-
003209                    Monmouth OR 97361                    Mountas@wou.edu            800/887-1593      8200

COLLEGES                      WEBSITE                      EMAIL ADDRESS              PHONE #        FAX #
Birthingway Coll Midwifery    12113 SE Foster Rd.          Genevieve Neyland          503/760-3131    503/760-
036683                        Portland OR 97266            gneyland@birthingway.edu                     3332
Cascade College               9101 E Burnside              Jenny Anderson             503/257-1241    503/257-
E00716                        Portland OR 97216            janderson@cascade.edu      800/550-7678      1222
Concordia University          2811 NE Holman Street        Jim Cullen                 503/280-8514    503/280-
003191                        Portland OR 97211            Jcullen@cu-portland.edu    800/321-9371      8661
Eugene Bible College          2155 Bailey Hill Rd          Rulena Mellor              541/485-1780    541/343-
015167                        Eugene OR 97401              finaid@ebc.edu               ext. 125        5801
George Fox University         414 N Meridian               Robert Clarke              503/554-2230    503/554-
003194                        Newberg OR 97132             rclarke@georgefox.edu      800/765-4369      3880
Heald College                 625 SW Broadway, 2nd Floor   Jason Smith                503/229-0492    503/229-
E00885                        Portland, OR 97205           jason_smith@heald.edu      800/432-5344      0652
Lewis & Clark College         0615 SW Palatine Hill Rd     Glendi Gaddis              503/768-7090    503/768-
003197                        Portland OR 97219            Gaddis@lclark.edu                            7074
Linfield College              900 SE Baker                 Dan Preston                503/883-2225    503/883-
003198                        McMinnville OR 97128         Dpreston@linfield.edu                        2486
Linfield - Portland Campus    2255 NW Northrup             Richard Heath              503/413-6844    503/413-
E00614                        Portland OR 97210            rheath@linfield.edu                          6710
Marylhurst College            17600 Pacific Hwy            Marlena McKee-Flores       503/699-6253    503/635-
003199                        Marylhurst OR 97036          Mmflores@marylhurst.edu    800/634-9982      6585
Mount Angel Seminary          1 Abbey Dr                   Dorene Preis               503/845-3122    503/845-
003203                        St. Benedict OR 97373        dpreis@mtangel.edu                           3126
Multnomah Bible College       8435 NE Glisan St            David Allen                503/251-5335    503/254-
003206                        Portland OR 97220            finaid@multnomah.edu       800/275-4672      1268
National College of           049 SW Porter                Laurie V. Radford          503/499-4343    503/499-
Naturopathic Medicine         Portland OR 97207            Financial-aid@ncnm.edu                       0029
B07624                        www.ncnm.edu
Northwest Christian College   828 E 11th Ave               Randy Jones                541/684-7203    541/684-
003208                        Eugene OR 97401              randyj@nwcc.edu                              7323
Oregon College Art & Craft    8245 SW Barnes Rd            Lisa Newman                503/297-5544    503/297-
030073                        Portland OR 97225            lnewman@ocac.edu             ext. 124        9651
                              www.ocac.edu                                            800/390-0632
Oregon College of Oriental    10525 SE Cherry Blossom Dr   Linda Powell               503/253-3443    503/253-
Medicine                      Portland OR 97216            lpowell@ocom.net             ext. 113        2701
B07625                        www.ocom.edu
Oregon Graduate Institute     20000 NW Walker Rd           Cherie Honnell             503/748-7700    503/748-
G08856                        Beaverton OR 97006           honnellc@ohsu.edu          800/685-2423      1285

COLLEGES                      WEBSITE                   EMAIL ADDRESS                PHONE #        FAX #
Pacific NW College of Art     1241 NW Johnson St        Jennifer Satalino            503/821-8972    503/821-
003207                        Portland OR 97209         jenn@pnca.edu                800/818-7622      8978
Pacific University            2043 College Way          finoff@pacificu.edu          503/352-2222    503/352-
003212                        Forest Grove OR 97116                                  877/635-0561      2950
Reed College                  3203 SE Woodstock Blvd    Leslie Limper                503/777-7223    503/788-
003217                        Portland OR 97202         Financial.aid@reed.edu       800/547-4750      6682
University of Portland        5000 N Willamette         Tracy Reisinger              503/943-7311    503/943-
003224                        Portland OR 97203         Reisinge@up.edu              800/227-4568      7508
Warner Pacific College        2219 SE 68                Cindy Pollard                503/517-1017    503/517-
003225                        Portland OR 97215         Cpollard@warnerpacific.edu   800/804-1510      1352
Western Baptist College       5000 Deer Park SE         Nathan Warthan               503/375-7006    503/585-
001339                        Salem OR 97301            Nwarthan@wbc.edu             800/845-3005      4316
Western Seminary              5511 SE Hawthorne Blvd    Patricia Prichard            503/517-1806    503/239-
G07178                        Portland OR 97215         Paprichard@westernsemin      800/547-4546      4216
                              www.westernseminary.edu   ary.edu
Western States Chiropractic   2900 NE 132nd Ave         Michele Keeney               503/251-5709    503/251-
012309                        Portland OR 97230         Mkeeney@wschiro.edu          800/641-5641      5723
Willamette University         900 State St              Jim Eddy                     503/370-6273    503/370-
003227                        Salem OR 97301            Jeddy@willamette.edu         877/744-3736      6588

FEDERAL SCHOOL CODE         WEBSITE                  EMAIL ADDRESS                 PHONE #        FAX #
Blue Mountain Community     2411 NW Carden Ave       Theresa Bosworth              541/278-5790     541/278-
003186                      Pendleton OR 97801       Tbosworth@bluecc.edu                             5889
Central Oregon Community    2600 NW College Way      Laurie Neil                   541/383-7260     541/383-
003188                      Bend OR 97701            Lneil@cocc.edu                                   7506
Chemeketa Community         PO Box 14007             Kathy Campbell                503/399-5018     503/399-
003218                      Salem OR 97309           Camk@chemeketa.edu                               5528
Clackamas Community         19600 S Molalla Ave      Mary Jo Jackson               503/657-2745     503/650-
004878                      Oregon City OR 97045     Maryj@clackamas.edu                              6654
Clatsop Community           1653 Jerome Ave          Sharon Boring                 503/338-2322     503/325-
003189                      Astoria OR 97103         Sboring@clatsopcc.edu                            5738
Columbia Gorge Comm.        400 E Scenic Dr          Karen Carter                  541/298-3109     541/298-
003213 (same as PCC)        The Dalles OR 97058      Kcarter@cgcc.cc.or.us                            3104
Klamath Community           7390 South Sixth St.     Donna Fulton                  541/882-3521     541/880-
034283                      Klamath Falls OR 97601   fulton@kcc.cc.or.us             ext. 233         2250
                            www.kcc.cc.or.us                                       541/880-2233
Lane Community              4000 East 30th Ave       Bert Logan                    541/463-3100     541/463-
003196                      Eugene OR 97405          finaid@lanecc.edu                                3983
Linn-Benton Community       6500 SW Pacific Blvd     Lance Popoff                  541/917-4850     541/917-
006938                      Albany OR 97321          Lance.popoff@linnbenton.edu                      4864
Mount Hood Community        26000 SE Stark           Rod Boettcher                 503/491-7262     503/491-
003204                      Gresham OR 97030         boettchr@mhcc.edu                                7379
Oregon Coast Community      332 SW Coast Hwy         Ellen Sunnes                  541/574-7103     541/574-
003218                      Newport OR 97365         esunnes@occc.cc.or.us                            7159
(same as Chemeketa CC)      www.occc.cc.or.us
Portland Community (PCC)    12000 SW 49th Ave        Corbett Gottfried             503/977-4490     541/977-
003213                      Portland OR 97219        cgottfri@pcc.edu                                 4965
Rogue Community             3345 Redwood Hwy         Anna Manley                   541/956-7326     541/471-
010071                      Grants Pass OR 97527     amanley@roguecc.edu           800/411-6508       3573
Southwestern Oregon Comm    1988 Newmark Ave         Robin Bunnell                 541/888-7337     541/888-
003220                      Coos Bay OR 97420        rbunnell@socc.edu             800/962-2838       7247
Tillamook Bay Community     2510 First St            Pat Gross                     503/842-8222     503/842-
003213 (same as PCC)        Tillamook OR 97141       pgross@tbcc.cc.or.us              x156           2214
Treasure Valley Community   650 College Blvd         Kevin Jensen                  541/881-8822     541/881-
003221                      Ontario OR 97914         kjensen@tvcc.cc                 Ext. 286         2721
Umpqua Community            PO Box 967               Claudia Justice               541/440-4602     541/440-
003222                      Roseburg OR 97470        claudia.justice@umpqua.edu    800/820-5161       4612
                            www.umpqua.cc.or.us                                      In County

FEDERAL SCHOOL CODE WEBSITE                                  EMAIL ADDRESS                  PHONE #        FAX #
A’Art/ Springfield College   307 Q Street                    Kristi Siroshton               541/746-4473    541/746-
of Beauty                    Springfield OR 97477            kristiscb@qwest.net                              7141
Academy of Hair Design       305 Court St NE                 Gene D. Snook                  503/585-8122    503/585-
010507                       Salem OR 97301                  Mikedalell@aol.com                               0243

Apollo College               2004 Lloyd Ctr, 3rd Floor       Jessica Willhite               503/761-6100    503/761-
030425                       Portland OR 97232               Jwillhite@apollocollege.com    800/368-7246      3351
Art Institute of Portland    1122 NW Davis St.               Mickey Jacobson                503/228-6528    503/228-
007819                       Portland OR 97209               Jacobsom@aii.edu                 ext. 4784       4227
                             www.aipd.aii.edu                                               888/228-6528
Astoria Beauty College       1180 Commercial St              Mary Nelson                    503/325-3163    503/325-
023110                       Astoria OR 97103                abcinc@pacifer.com                               3164

Beau Monde College Hair      1026 SW Salmon St               Cecily McClanahan              503/226-7355    503/241-
021544                       Portland OR 97205               Cecilyatwork@cs.com                              2823

College of Cosmetology       357 E Main                      Roni Lankford                  541/882-6644    541/882-
021061                       Klamath Falls OR 97601          Roni@collegeofcos.com                            6645

College Hair Design Career 1684 Clay St. NE                  Cindy Long                     503/588-5888    503/588-
023379                     Salem OR 97301                    chdc@open.org                                    1005

College of Legal Arts        1411 SW Morrison St #350        Julie Johnson                  503/223-5100    503/952-
021049                       Portland OR 97205               Julie@collegeoflegalarts.com   800/342-3465      0010
Concorde Career Institute    1827 NE 44th Ave                Todd Denning                   503/281-4181    503/281-
008887                       Portland OR 97213               Tdenning@concordecareercoll    800/464-1212      6739
                             www.concordecareercolleges.co   eges.com
ITT Technical Institute      6035 NE 78th Ct                 Suezi Lyon                     503/255-6500    503/257-
011852                       Portland OR 97218-2854          slyon@ittesi.com               800/234-5488      6135
Magee Bros School Beauty     18295 SW Tualatin Vly Hwy A     Heidi McNeil                   503/649-1388    649-1386
025538                       Aloha OR 97006                  mageebros@outdrs.net
Northwest Clg Hair Design    6128 SE King Rd                 Paula Meza                 503/659-2834        503/659-
021010                       Milwaukie OR 97222              Milwaukienwchd_fa@hotmail.                       6743
                             www.nwchd.com                   com
Phagans’ Beauty College      142 S 2nd                       Mary Beth Reed                 541/753-7770    752-2647
012348                       Corvallis OR 97333              Corvallis@phagans-
                             www.phagans-schools.com         schools.com
Phagans’ Central Oregon      355 NE 2nd                      Debbie Patrick                 541/382-6171    385-0782
012347                       Bend OR 97701                   bend@phagans-schools.com
Phagans’ Grants Pass         304 NE Agness, Suite F          Pam Marchington                541/479-6678    541/479-
031853                       Grants Pass OR 97526            G_pass@phagans-schools.com                       5585
Phagan’s Medford Beauty      2320 Poplar Drive               Carolyn Tucker                 541/772-6155    541/779-
School                       Medford, OR 97504               Medford@phagans-                                 4365
010122                       www.phagans-schools.com         schools.com
Phagans’ School Hair         3301 NE Sandy Blvd              Barbara Climaldi               503/239-0838    503/239-
Design                       Portland OR 97232               Barbara@phagans.com                              0844

022019                       www.phagans-schools.com
FEDERAL SCHOOL CODE WEBSITE                                  EMAIL ADDRESS                  PHONE #        FAX #
Phagans' Newport             333 SW Seventh St               Julie Krewina                  541/265-3083    541/265-
Academy                      Newport OR 97365                Newport@phagans-                                 9147
030744                       www.phagans-schools.com         schools.com
Phagans’ School of Beauty    622 Lancaster NE                Lori Rowe                      503/363-6800    503/363-
012351                       Salem OR 97301                  Salem@phagans-schools.com                        5097
Phagans’ Gateway College     8820 SW Center                  John W Olsen                   503/639-6107    503/684-
of Beauty                    Tigard OR 97223                 mpalm11@aol.com                                  9800
Pioneer Pacific College      27501 SW Parkway Ave            Stacey Maurer                  503/682-3903    503/682-
023301                       Wilsonville OR 97070            smaurer@pioneerpacificcolleg                     1514
                             www.pioneerpacificcollege.com   e.com
Roseburg Beauty College      700 SE Stephens St              Geneva Thomas                  541/673-5533    541/673-
023441                       Roseburg OR 97470               rbeauty@internetcds.com                          0119
University of Phoenix        13221 SW 68th Parkway #500      Rona Streger                   503/403-2900    503/670-
020988-00                    Tigard, Oregon 97223            Rona.streger@phoenix.edu                         0614
Western Business College     425 SW Washington               Sharon Hale                    503/222-3225    503/228-
009079                       Portland OR 97204               shale@cci.edu                                    6926
Western Culinary Institute   1201 SW 12th Ave, Ste 100       Kim Pearson                    503/223-2245    503/223-
030226                       Portland OR 97205               kpearson@westernculinary.co    800/666-0312      5554
                             www.westernculinary.com         m
                                       1500 Valley River Drive, Suite 100
                                                 Eugene, Oregon 97401

Oregon Student Assistance Commission

Section Three:
Completing the FAFSA

.      .       .   .   .   .   .   .       .      .     .      .     .
PIN, Paper FAFSA, and FAFSA on the Web

October 2003
Completing the Free Application for Federal Student Aid
The Free Application for Federal Student         the personal identification number you get
Aid, known as the FAFSA, is the main             from your bank that enables you to access
form that you’ll need to apply for federal,      the ATM. You may also be able to use this
state, and institutional funds for attendance    PIN to sign some education loan forms
at colleges and universities, community          electronically. You may request a PIN
colleges, and vocational schools. The U.S.       online at www.pin.ed.gov.
Department of Education uses the
information provided on your FAFSA to            As its name implies, filing a FAFSA is
determine your eligibility for aid from          free. There are no fees to process the
federal student financial assistance             FAFSA, whether you file by paper or
programs. Many states and schools also           online. Make sure you use the official
use the FAFSA data to award aid from             federal FAFSA website. Several for-profit
their programs.                                  companies have websites with similar
                                                 names, but they charge a fee to complete
The information you report on your               the FAFSA.
FAFSA is used to calculate your Expected
Family Contribution (EFC), according to a        If you applied for aid last year, you might
congressionally determined formula. Your         not have to complete an entire FAFSA.
school will use your EFC to determine            Instead, you might be able to use a
your need and what federal, state, and           Renewal FAFSA preprinted with last
institutional aid you are eligible to receive.   year’s data and simply change or add
                                                 information as needed. There is also a
If you don’t have a FAFSA yet, you can           renewal version of FAFSA on the Web.
pick one up at almost any high school or
college in the state. You can also access        In filling out the paper FAFSA, you
an electronic version of the FAFSA,              should:
FAFSA on the Web at www.fafsa.ed.gov.            • Use black ink
                                                 • Leave blanks only when instructed
If you plan to file an electronic version of         to do so
the FAFSA, you will need a PIN. The PIN          • Read the instructional notes
serves as your identifier to let you access
your personal information in various U.S.        • Refer to your financial documents as
Department of Education systems. It's like           you go along

   For help completing the FAFSA, call the Federal Student Aid Information Center
                at 1-800 4-FED-AID or go to www.ed.gov/studentaid.

        Financial aid administrators at Oregon colleges are also willing and able
                               to answer your questions.
       Consult them with any questions you have regarding your financial picture.
                                                                                        July 1, 2004 — June 30, 2005

                                                                                                     OMB # 1845-0001

                                                                                                             S TAT E A I D D E A D L I N E S
Apply free for federal and state student grants, work-study,
                                                                                                           File On-Line and File On-Time
and loans using this form!                                                                                       www.fafsa.ed.gov

                                                                                                     AR For State Grant - April 1, 2004
      Or apply free over the internet at www.fafsa.ed.gov                                               For Workforce Grant - July 1, 2004
                                                                                                           (date received)
                                                                                                    AZ June 30, 2005 (date received)
Applying by the Deadlines                                                                        *^ CA For initial awards - March 2, 2004
 For federal aid, submit your application as early as possible, but no earlier than January 1,         For additional community college awards -
                                                                                                       September 2, 2004 (date postmarked)
 2004. We must receive your application no later than June 30, 2005. Your college must
                                                                                                  * DC June 28, 2004 (date received by state)
 have your correct, complete information by your last day of enrollment in the 2004-2005
                                                                                                    DE April 15, 2004 (date received)
 school year.
                                                                                                    FL May 15, 2004 (date processed)
 For state or college aid, the deadline may be as early as January 2004. See the table to the     ^ IA July 1, 2004 (date received)
 right for state deadlines. You may also need to complete additional forms. Check with            # IL First-time applicants - September 30, 2004
 your high school guidance counselor or a financial aid administrator at your college about            Continuing applicants - August 15, 2004
 state and college sources of student aid and deadlines.                                                   (date received)
                                                                                                    IN     March 10, 2004 (date received)
 If you are filing close to one of these deadlines, we recommend you file over the internet      #* KS     April 1, 2004 (date received)
 at www.fafsa.ed.gov. This is the fastest way to apply for aid.                                   # KY     March 15, 2004 (date received)
Using Your Tax Return                                                                            #^ LA     May 1, 2004
                                                                                                           Final deadline - July 1, 2004 (date received)
 If you are filing a 2003 federal income tax return, we recommend that you complete it           #^ MA     May 1, 2004 (date received)
 before filling out this form. If you have not filed your return, you can still submit your         MD     March 1, 2004 (date postmarked)
 FAFSA. Once you file your tax return, you must correct any income or tax data that                 ME     May 1, 2004 (date received)

                                                                                                                                                            STATE AID DEADLINES
 changed on your FAFSA.                                                                             MI     March 1, 2004 (date received)
                                                                                                    MN     14 days after term star ts (date received)
 Filling Out the FAFSA
                                                                                                    MO     April 1, 2004 (date received)
  Your answers on this form will be read electronically. Therefore:                               # MT     March 1, 2004 (date processed)
      • use black ink and fill in ovals                                                             NC     March 15, 2004 (date received)
                                             Correct           Incorrect                            ND     March 15, 2004 (date received)
                                                                                                    NH     May 1, 2004 (date received)
      • print clearly in CAPITAL letters                                                          ^ NJ     June 1, 2004 if you received a Tuition Aid
        and skip a box between words:           15        E LM           S T                               Grant in 2003-2004
      • report dollar amounts (such as                                                                     All other applicants
         $12,356.41) like this:                 $      1 2 , 3, 5 6            no cents                     - October 1, 2004, fall & spring term
                                                                                                            - March 1, 2005, spring term only
                                                                                                           (date received)
                                                                                                 *^ NY May 1, 2005 (date postmarked)
    Pink is for student information and purple is for parent information.                           OH October 1, 2004 (date received)
  If you or your family has unusual circumstances not shown on this form (such as loss of         # OK A p r il 3 0 , 2 0 0 4
                                                                                                       Final deadline - June 30, 2004
  employment) that might affect your need for student financial aid, submit this form and then             (date received)
  consult with the financial aid office at the college you plan to attend.                         * PA All 2003-2004 State Grant recipients & all
  If you have questions about this application, or for more information on eligibility                  non-2003-2004 State Grant recipients in
                                                                                                        degree programs - May 1, 2004
  requirements and the U.S. Department of Education’s student aid programs, look on the                 All other applicants - August 1, 2004
  internet at www.studentaid.ed.gov. You can also call 1-800-4-FED-AID (1-800-433-                         (date received)
  3243). TTY users may call 1-800-730-8913.                                                         PR     May 2, 2005 (date application signed)
                                                                                                  # RI     March 1, 2004 (date received)
Mailing Your FAFSA                                                                                  SC     June 30, 2004 (date received)
After you complete this application, make a copy of pages 3 through 6 for your records.             TN     May 1, 2004 (date processed)
Then mail the original of only pages 3 through 6 in the attached envelope or send it to:         *^ WV     March 1, 2004 (date received)
Federal Student Aid Programs, P.O. Box 4691, Mt. Vernon, IL 62864-0059. Be sure to keep          Check with your financial aid administrator for these
the worksheets on page 8.                                                                        states: AK, AL, *AS, *CT, CO, *FM, GA, *GU, *HI,
You should hear from us within four weeks. If you do not, please check online at                 ID, *MH, *MP, MS, *NE, *NM, *NV, OR, *PW, *SD,
www.fafsa.ed.gov or call 1-800-433-3243. If you provided your e-mail address in question         *TX, UT, *VA, *VI, *VT, WA, WI, and *WY.
13, you will receive information about your application within a few days after we process it.
Let’s Get Started!                                                                               # For priority consideration, submit application by date
 Now go to page 3, detach the application form, and begin                                        ^ Applicants encouraged to obtain proof of mailing.
 filling it out. Refer to the notes as instructed.                                               * Additional form may be required.
Notes for questions 14 – 15 (page 3)
      If you are an eligible noncitizen, write in your eight- or nine-digit Alien Registration Number. Generally, you are an eligible noncitizen
  if you are: (1) a U.S. permanent resident and you have an Alien Registration Receipt Card (I-551); (2) a conditional permanent resident
  (I-551C); or (3) an other eligible noncitizen with an Arrival-Departure Record (I-94) from the Department of Homeland Security showing
  any one of the following designations: “Refugee,” “Asylum Granted,” “Parolee” (I-94 confirms paroled for a minimum of one year and
  status has not expired), or “Cuban-Haitian Entrant.” If you are in the U.S. on an F1 or F2 student visa, or a J1 or J2 exchange visitor visa,
  or a G series visa (pertaining to international organizations), you must fill in oval c. If you are neither a citizen nor an eligible noncitizen,
  you are not eligible for federal student aid. However, you may be eligible for state or college aid.
Notes for question 23 (page 3) — Enter the correct number in the box in question 23.
     Enter 1 for 1st bachelor’s degree                                      Enter 6 for certificate or diploma for completing an
     Enter 2 for 2nd bachelor’s degree                                               occupational, technical, or educational
     Enter 3 for associate degree (occupational or technical program)                program of at least two years
     Enter 4 for associate degree (general education or transfer program)   Enter 7 for teaching credential program (nondegree program)
     Enter 5 for certificate or diploma for completing an occupational,     Enter 8 for graduate or professional degree
              technical, or educational program of less than two years      Enter 9 for other/undecided
Notes for question 24 (page 3) — Enter the correct number in the box in question 24.
     Enter 0 for never attended college & 1st year undergraduate                     Enter 4 for 4th year undergraduate/senior
     Enter 1 for attended college before & 1st year undergraduate                    Enter 5 for 5th year/other undergraduate
     Enter 2 for 2nd year undergraduate/sophomore                                    Enter 6 for 1st year graduate/professional
     Enter 3 for 3rd year undergraduate/junior                                       Enter 7 for continuing graduate/professional or beyond
Notes for questions 29 – 30 (page 3)
     Some states and colleges offer aid based on the level of schooling your parents completed.
Notes for questions 33 c. and d. (page 4) and 71 c. and d. (page 5)
      If you filed or will file a foreign tax return, or a tax return with Puerto Rico, Guam, American Samoa, the U.S. Virgin Islands, the
   Marshall Islands, the Federated States of Micronesia, or Palau, use the information from that return to fill out this form. If you filed a
   foreign return, convert all figures to U.S. dollars, using the exchange rate that is in effect today. Go to www.federalreserve.gov/releases/
   h10/update to view the daily exchange rate.
Notes for questions 34 (page 4) and 72 (page 5)
      In general, a person is eligible to file a 1040A or 1040EZ if he or she makes less than $50,000, does not itemize deductions, does not
   receive income from his or her own business or farm, and does not receive alimony. A person is not eligible if he or she itemizes deduc-
   tions, receives self-employment income or alimony, or is required to file Schedule D for capital gains. If you filed a 1040 only to claim
   Hope or Lifetime Learning credits, and you would have otherwise been eligible for a 1040A or 1040EZ, you should answer “Yes” to this
Notes for questions 37 (page 4) and 75 (page 5) — only for people who filed a 1040EZ or Telefile
     On the 1040EZ, if a person answered “Yes” on line 5, use EZ worksheet line F to determine the number of exemptions ($3,050 equals
   one exemption). If a person answered “No” on line 5, enter 01 if he or she is single, or 02 if he or she is married.
     On the Telefile, use line J(2) to determine the number of exemptions ($3,050 equals one exemption).
Notes for questions 43 – 45 (page 4) and 81 – 83 (page 5)
      By applying over the internet at www.fafsa.ed.gov, you may be eligible to skip some questions. If you do not have internet access, completing
   questions 43–45 will not penalize you.
      Net worth means current value minus debt. If net worth is one million or more, enter $999,999. If net worth is negative, enter 0.
      Investments include real estate (do not include the home you live in), trust funds, money market funds, mutual funds, certificates of
   deposit, stocks, stock options, bonds, other securities, Coverdell savings accounts, college savings plans, installment and land sale
   contracts (including mortgages held), commodities, etc. Investment value includes the market value of these investments as of today.
   Investment debt means only those debts that are related to the investments.
      Investments do not include the home you live in, the value of life insurance, retirement plans (pension funds, annuities, noneducation
   IRAs, Keogh plans, etc.), and prepaid tuition plans, or cash, savings, and checking accounts already reported in 43 and 81.
      Business and/or investment farm value includes the market value of land, buildings, machinery, equipment, inventory, etc. Business
   and/or investment farm debt means only those debts for which the business or investment farm was used as collateral.
Notes for question 54 (page 4)
     Answer “No” (you are not a veteran) if you (1) have never engaged in active duty in the U.S. Armed Forces, (2) are currently an
  ROTC student or a cadet or midshipman at a service academy, or (3) are a National Guard or Reserves enlistee activated only for training.
  Also answer “No” if you are currently serving in the U.S. Armed Forces and will continue to serve through June 30, 2005.
     Answer “Yes” (you are a veteran) if you (1) have engaged in active duty in the U.S. Armed Forces (Army, Navy, Air Force, Marines, or
  Coast Guard) or are a National Guard or Reserve enlistee, who was called to active duty for purposes other than training, or were a cadet
  or midshipman at one of the service academies, and (2) were released under a condition other than dishonorable. Also answer “Yes” if
  you are not a veteran now but will be one by June 30, 2005.

                                                                   Page 2
                                                                                                                    Notes Continued on Page 7
                                                                                                                        July 1, 2004 — June 30, 2005

                                                                                         Free Application For FEDERAL Student AID

                                                                                                                                             OMB # 1845-0001
Step One:             For questions 1–30, leave blank any questions that do not apply to you (the student).
 1-3. Your full name (as it appears on your Social Security card)
 1. LAST                                                                                  2. FIRST                                                                           3. MIDDLE
                F O R I N F O R M AT I O N O N LY                                               NAME                  NOT
                                                                                                                   DO NOT SUBMIT                                                INITIAL

 4-7. Your permanent mailing address

 5. CITY (AND                                                                                    6. STATE                                          7. ZIP CODE
    NOT U.S.)

 8. Your Social Security Number                              9. Your date of birth                                            10. Your permanent telephone number

     X X X – X X –X X X X                                                   /             / 1 9                               (                )                     –
 11-12. Your driver’s license number and state (if any)
   11. LICENSE                                                                                                          12. STATE


 14. Are you a U.S. Citizen?        a . Yes, I am a U.S. citizen. Skip to question 16 ..........................
                                                                                   16.                                        1     15.   ALIEN REGISTRATION NUMBER

    Pick one. See page 2.           b . No, but I am an eligible noncitizen. Fill in question 15 ...........
                                                                                              15.                             2
                                    c . No, I am not a citizen or eligible noncitizen. ..............................         3

                                                                                                                                                         MONTH           YEAR
 16. What is your marital           I am single, divorced, or widowed ......               1       17. Month and year you
    status as of today?             I am married/remarried ......................          2
                                                                                                      were married, separated,                                       /
                                                                                                      divorced, or widowed
                                    I am separated ...................................     3

 18. What is your state of                                          19. Did you become a legal resident of this state
                                                                                                                                                         Yes                       No
    legal residence?
                                                                       before January 1, 1999?

                                                                                                                                                         MONTH           YEAR

20. If the answer to question 19 is “No,” give month and year you became a legal resident.
21. Are you male? (Most male students must register with Selective Service to get federal aid.)                                                          Yes             1         No     2

22. If you are male (age 18–25) and not registered, answer “Yes” and Selective Service will register you.                                                Yes             1         No     2

 23. What degree or certificate will you be working                                            24. What will be your grade level when you begin
    on during 2004–2005? See page 2 and enter the                                                 the 2004–2005 school year? See page 2 and
    correct number in the box.                                                                    enter the correct number in the box.

25. Will you have a high school diploma or GED before you begin the 2004–2005 school year?                                                               Yes             1         No     2

26. Will you have your first bachelor’s degree before July 1, 2004?                                                                                      Yes             1         No     2

27. In addition to grants, are you interested in student loans (which you must pay back)?                                                                Yes             1         No     2

28. In addition to grants, are you interested in “work-study” (which you earn through work)?                                                             Yes             1         No     2

 29. Highest school your father completed Middle school/Jr. High                           1     High School              2   College or beyond            3     Other/unknown            4

 30. Highest school your mother completed Middle school/Jr. High                           1
                                                                                                 High School              2
                                                                                                                              College or beyond            3     Other/unknown            4

 31. Do not leave this question blank. Have you ever been convicted of possessing or selling illegal                                               No
                                                                                                                                                                     DO NOT LEAVE
                                                                                                                                                                     QUESTION 31
    drugs? If you have, answer “Yes,” complete and submit this application, and we will send you a
    worksheet in the mail for you to determine if your conviction affects your eligibility for aid.                                                Yes           3      BLANK

                                                                                   Page 3
                                                                                                              For Help -- www.studentaid.ed.gov/completefafsa
Step Two: For questions 32–45, report your (the student’s) income and assets. If you are married as
           of today, report your and your spouse’s income and assets, even if you were not married in 2003.
           Ignore references to “spouse” if you are currently single, separated, divorced, or widowed.
 32. For 2003, have you (the student) completed your IRS income tax return or another tax return listed in question 33?
            a. I have already completed                                           b. I will file, but I have not yet                                          c. I’m not going to file.
               my return.                                            1               completed my return.                               2
                                                                                                                                                                 (Skip to question 38.)                  3

 33. What income tax return did you file or will you file for 2003?
         a . IRS 1040 .....................................................   1     d. A tax return for Puerto Rico, Guam, American Samoa, the U.S. Virgin Islands, the Marshall
         b . IRS 1040A, 1040 EZ, 1040 Telefile .............                  2
                                                                                       Islands, the Federated States of Micronesia, or Palau. See page 2 ...............................                 4

         c . A foreign tax return. See page 2 ...............                 3

 34. If you have filed or will file a 1040, were you eligible to file a 1040A or 1040 EZ? See page 2. Yes                                                                   1       No       2
                                                                                                                                                                                                 Don’t           3
For questions 35–47, if the answer is zero or the question does not apply to you, enter 0.
 35. What was your (and spouse’s) adjusted gross income for 2003? Adjusted gross income is                                                                             $                     ,
     on IRS Form 1040—line 34; 1040A—line 21; 1040EZ—line 4; or Telefile—line I.
  36. Enter the total amount of your (and spouse’s) income tax for 2003. Income tax amount is on                                                                                $            ,
      IRS Form 1040—line 54; 1040A—line 36; 1040EZ—line 10; or Telefile—line K(2).
 37. Enter your (and spouse’s) exemptions for 2003. Exemptions are on IRS Form 1040—line 6d or
     on Form 1040A—line 6d. For Form 1040EZ or Telefile, see page 2.
 38-39. How much did you (and spouse) earn from working (wages, salaries, tips, etc.) in 2003?          $                                                                                    ,
    Answer this question whether or not you filed a tax return. This information may           You (38)
    be on your W-2 forms, or on IRS Form 1040—lines 7 + 12 + 18; 1040A—line 7; or
    1040EZ—line 1. Telefilers should use their W-2 forms.                             Your Spouse (39) $                                                                                     ,
   Student (and Spouse) Worksheets (40–42)
                                                                                                                                       Worksheet A (40)
                                                                                                                                                                                $            ,
    40–42. Go to page 8 and complete the columns on the left of Worksheets A, B,
        and C. Enter the student (and spouse) totals in questions 40, 41, and 42,
        respectively. Even though you may have few of the Worksheet items, check                                                       Worksheet B (41)
                                                                                                                                                                                $            ,
        each line carefully.
                                                                                                                                       Worksheet C (42)                         $            ,
 43. As of today, what is your (and spouse’s) total current balance of cash, savings, and                                                                               $                    ,
     checking accounts? Do not include student financial aid.
 44. As of today, what is the net worth of your (and spouse’s) investments, including real estate (not                                                                  $                    ,
     your home)? See page 2.
 45. As of today, what is the net worth of your (and spouse’s) current businesses and/or                                                                                $                    ,
     investment farms? Do not include a farm that you live on and operate. See page 2.
 46-47. If you receive veterans’ education benefits, for how many months from July 1,
     2004, through June 30, 2005, will you receive these benefits, and what amount          Months (46)
     will you receive per month? Do not include your spouse’s veterans’ education benefits.
                                                                                                                                             Amount (47)                                     ,
Step Three:                     Answer all seven questions in this step.
 48. Were you born before January 1, 1981? ...................................................................................................                              Yes          1       No          2

 49. At the beginning of the 2004–2005 school year, will you be working on a master’s or doctorate
     program (such as an MA, MBA, MD, JD, PhD, EdD, or graduate certificate, etc.)? .............................                                                           Yes          1       No          2

 50. As of today, are you married? (Answer “Yes” if you are separated but not divorced.) ..........................                                                         Yes          1       No          2

 51. Do you have children who receive more than half of their support from you? .......................................                                                     Yes          1       No          2

 52. Do you have dependents (other than your children or spouse) who live with you and who receive more
     than half of their support from you, now and through June 30, 2005? ...................................................                                                Yes          1       No          2

 53. Are both of your parents deceased, or are you or were you (until age 18) a ward/dependent of the
     court? ........................................................................................................................................................        Yes          1       No          2

 54. Are you a veteran of the U.S. Armed Forces? See page 2. .....................................................................                                          Yes          1       No          2

 If you (the student) answer “No” to every question in Step Three, go to Step Four.
 If you answer “Yes” to any question in Step Three, skip Step Four and go to Step Five on page 6.
 (Health Profession Students: Your school may require you to complete Step Four even if you answered “Yes” to any Step Three question.)

                                                                                               Page 4
                                                                                                                                                                       For Help —1-800-433-3243
Step Four: Complete this step if you (the student) answered “No” to all questions in Step Three.
                                  Go to page 7 to determine who is a parent for this step.
  55. What is your parents’ marital status as of today?                                                                  56. Month and year they                              MONTH                 YEAR

 Married/Remarried ......................               1     Divorced/Separated ...................            3
                                                                                                                            were married, separated,                                        /
 Single ..........................................            Widowed ....................................
                                                                                                                            divorced, or widowed
                                                        2                                                       4

  57–64. What are the Social Security Numbers, names, and dates of birth of the parents reporting information on this form?
     If your parent does not have a Social Security Number, you must enter 000-00-0000.

                    –                  –                                                                                                               ,                                /                    /

                    –                  –                                                                                                               ,                                /                    /
                                                                                                             66. Go to page 7 to determine how many in question 65
   65. Go to page 7 to determine how many
                                                                                                                (exclude your parents) will be college students
       people are in your parents’ household.
                                                                                                                between July 1, 2004, and June 30, 2005.
  67. What is your parents’                                                                68. Did your parents become legal residents of this                             Yes              1               No         2
     state of legal residence?                                                                state before January 1, 1999?
                                                                                                                                                                              MONTH                 YEAR
 69. If the answer to question 68 is “No,” give month and year legal residency
     began for the parent who has lived in the state the longest.                                                                                                                               /
 70. For 2003, have your parents completed their IRS income tax return or another tax return listed in question 71?
         a. My parents have already                                                     b. My parents will file, but they have not                                c. My parents are not going to
            completed their return.                              1
                                                                                           yet completed their return.                          2
                                                                                                                                                                     file. (Skip to question 76.)                      3

 71. What income tax return did your parents file or will they file for 2003?
          a . IRS 1040 .....................................................        1        d. A tax return for Puerto Rico, Guam, American Samoa, the U.S. Virgin Islands, the Marshall
          b . IRS 1040A, 1040 EZ, 1040 Telefile .............                       2
                                                                                                Islands, the Federated States of Micronesia, or Palau. See page 2 ..................................                   4

          c . A foreign tax return. See page 2 ...............                      3
                                                                                                                                                                              Yes           No                    Know
                                                                                                                                                                                                            Don’t Know
 72. If your parents have filed or will file a 1040, were they eligible to file a 1040A or 1040EZ? See page 2.                                                                      1               2              3

For questions 73–83, if the answer is zero or the question does not apply, enter 0.
 73. What was your parents’ adjusted gross income for 2003? Adjusted gross income is                                                                                      $                             ,
     on IRS Form 1040—line 34; 1040A—line 21; 1040EZ—line 4; or Telefile—line I.
 74. Enter the total amount of your parents’ income tax for 2003. Income tax amount is on                                                                                 $                             ,
     IRS Form 1040—line 54; 1040A—line 36; 1040EZ—line 10; or Telefile—line K(2).
 75. Enter your parents’ exemptions for 2003. Exemptions are on IRS Form 1040—line 6d or
     on Form 1040A—line 6d. For Form 1040EZ or Telefile, see page 2.
 76-77. How much did your parents earn from working (wages, salaries, tips, etc.) in 2003?     Father/     $                                                                                            ,
     Answer this question whether or not your parents filed a tax return. This informa-    Stepfather (76)
     tion may be on their W-2 forms, or on IRS Form 1040—lines 7 + 12 + 18;
                                                                                              Mother/      $                                                                                            ,
     1040A—line 7; or 1040EZ—line 1. Telefilers should use their W-2 forms.
                                                                                         Stepmother (77)
      Parent Worksheets (78–80)
       78–80. Go to page 8 and complete the columns on the right of Worksheets A, B,
                                                                                                                                              Worksheet A (78)                $                         ,
           and C. Enter the parents totals in questions 78, 79, and 80, respectively.
           Even though your parents may have few of the Worksheet items, check                                                               Worksheet B (79)                  $                        ,
           each line carefully.
                                                                                                                                             Worksheet C (80)                  $                        ,

  81. As of today, what is your parents’ total current balance of cash, savings, and checking accounts?                                                                   $                             ,
  82. As of today, what is the net worth of your parents’ investments, including real estate (not
      your home)? See page 2.                                                                                                                                             $                             ,
  83. As of today, what is the net worth of your parents’ current businesses and/or
      investment farms? Do not include a farm that your parents live on and operate. See page 2.                                                                          $                             ,
 Now go to Step Six.
                                                                                                             Page 5
                                                                                                                                        For Help — www.studentaid.ed.gov/completefafsa
Step Five:               Complete this step only if you (the student) answered “Yes” to any Step Three question.
 84. Go to page 7 to determine how many                                         85. Go to page 7 to determine how many in question 84
     people in your (and your spouse’s)                                             will be college students, attending at least half time
     household.                                                                     between July 1, 2004, and June 30, 2005.

Step Six:            Please tell us which schools may request your information, and your enrollment level.
 Enter the 6-digit federal school code and your housing plans. Look for the federal school codes at www.fafsa.ed.gov, at your college
 financial aid office, at your public library, or by asking your high school guidance counselor. If you cannot get the federal school
 code, write in the complete name, address, city, and state of the college. For state aid, you may wish to list your preferred school first.
        1ST FEDERAL SCHOOL CODE            NAME OF
                                                                                                                                       STATE       HOUSING PLANS
                                                                                                                                                          on campus           1

 86.                                  OR                                                                                                            87.   off campus          2
                                           AND CITY
                                                                                                                                                          with parent         3

        2ND FEDERAL SCHOOL CODE            NAME OF                                                                                     STATE
                                                                                                                                                          on campus           1

 88.                                  OR                                                                                                            89.   off campus          2
                                           AND CITY
                                                                                                                                                          with parent         3

        3RD FEDERAL SCHOOL CODE            NAME OF                                                                                     STATE
                                                                                                                                                          on campus           1

  90.                                 OR
                                                                                                                                                    91.   off campus          2

                                           AND CITY
                                                                                                                                                          with parent         3

        4TH FEDERAL SCHOOL CODE            NAME OF                                                                                     STATE
                                                                                                                                                          on campus           1

 92.                                  OR                                                                                                            93.   off campus          2
                                           AND CITY
                                                                                                                                                          with parent         3

        5TH FEDERAL SCHOOL CODE            NAME OF                                                                                     STATE
                                                                                                                                                          on campus           1

 94.                                  OR                                                                                                            95.   off campus          2
                                           AND CITY
                                                                                                                                                          with parent         3

        6TH FEDERAL SCHOOL CODE            NAME OF                                                                                     STATE
                                                                                                                                                          on campus           1

 96.                                  OR                                                                                                            97.   off campus          2
                                           AND CITY
                                                                                                                                                          with parent         3

 98. See page 7. At the start of the 2004–2005                      Full                 3/4                     Half                 Less than                    Not
    academic year, please mark if you will be:                      time          1
                                                                                         time         2
                                                                                                                                       half time

Step Seven:                 Read, sign, and date.
 If you are the student, by signing this application you certify that you (1) will      99. Date this form was completed.
 use federal and/or state student financial aid only to pay the cost of attending             MONTH        DAY

 an institution of higher education, (2) are not in default on a federal student                                                    2004                  or 2005
 loan or have made satisfactory arrangements to repay it, (3) do not owe
                                                                                                      /                 /
 money back on a federal student grant or have made satisfactory
 arrangements to repay it, (4) will notify your school if you default on a              100. Student (Sign below)
 federal student loan, and (5) will not receive a Federal Pell Grant for more
 than one school for the same period of time.
 If you are the parent or the student, by signing this application you agree, if                        INFORMATION ONLY
                                                                                                    FOR INFORMATION ONLY.
 asked, to provide information that will verify the accuracy of your completed
 form. This information may include your U.S. or state income tax forms.
 Also, you certify that you understand that the Secretary of Education has                      Parent (A parent from Step Four sign below)
 the authority to verify information reported on this application with the
 Internal Revenue Service and other federal agencies. If you purposely                    2            NOT SUBMIT.
                                                                                                    DO NOT SUBMIT.
 give false or misleading information, you may be fined $20,000, sent to
 prison, or both.

If this form was filled out by someone            101. Preparer's Social Security Number (or 102)         SCHOOL USE ONLY :                          Federal School Code
other than you, your spouse, or your
parent(s), that person must complete
                                                                –           –                              D/O              1

this part.                                        102. Employer ID number (or 101)                        FAA SIGNATURE

 Preparer's name, firm, and address
                                                            –                                             1

                                                  103. Preparer's signature and date
                                                                                                          DATA ENTRY USE
                                                                                                          ONLY:         P                      *               L          E

                                                                              Page 6
                                                                                                                                           For Help —1-800-433-3243
 Notes for questions 55–83 (page 5) Step Four: Who is considered a parent in this step?
        Read these notes to determine who is considered a parent on this form. Answer all questions in Step Four about them, even if you
     do not live with them. (Note that grandparents and legal guardians are not parents.)
        If your parents are both living and married to each other, answer the questions about them.
        If your parent is widowed or single, answer the questions about that parent. If your widowed parent is remarried as of today, answer
     the questions about that parent and the person whom your parent married (your stepparent).
        If your parents are divorced or separated, answer the questions about the parent you lived with more during the past 12 months. (If
     you did not live with one parent more than the other, give answers about the parent who provided more financial support during the past
     12 months, or during the most recent year that you actually received support from a parent.) If this parent is remarried as of today,
     answer the questions on the rest of this form about that parent and the person whom your parent married (your stepparent).
 Notes for question 65 (page 5)
       Include in your parents’ household (see notes, above, for who is considered a parent):
       • your parents and yourself, even if you don’t live with your parents, and
       • your parents’ other children if (a) your parents will provide more than half of their support from July 1, 2004 through June 30, 2005
         or (b) the children could answer “no” to every question in Step Three on page 4 of this form, and
       • other people if they now live with your parents, your parents provide more than half of their support, and your parents will continue to
         provide more than half of their support from July 1, 2004, through June 30, 2005.
 Notes for questions 66 (page 5) and 85 (page 6)
       Always count yourself as a college student. Do not include your parents. Include others only if they will attend, at least half time in
     2004-2005, a program that leads to a college degree or certificate.
 Notes for question 84 (page 6)
        Include in your (and your spouse’s) household:
       • yourself (and your spouse, if you have one), and
       • your children, if you will provide more than half of their support from July 1, 2004, through June 30, 2005, and
       • other people if they now live with you, and you provide more than half of their support, and you will continue to provide more than
         half of their support from July 1, 2004, through June 30, 2005.
 Notes for question 98 (page 6)
      For undergraduates, full time generally means taking at least 12 credit hours in a term or 24 clock hours per week. 3/4 time generally
   means taking at least 9 credit hours in a term or 18 clock hours per week. Half time generally means taking at least 6 credit hours in a term
   or 12 clock hours per week. Provide this information about the college you are most likely to attend.

Information on the Privacy Act and use of your Social Security Number
   We use the information that you provide on this form to determine if you are eligible to receive federal student financial aid and the amount that you are
eligible to receive. Sections 483 and 484 of the Higher Education Act of 1965, as amended, give us the authority to ask you and your parents these questions,
and to collect the Social Security Numbers of you and your parents. We use your Social Security Number to verify your identity and retrieve your records,
and we may request your Social Security Number again for those purposes.
   State and institutional student financial aid programs may also use the information that you provide on this form to determine if you are eligible to receive
state and institutional aid and the need that you have for such aid. Therefore, we will disclose the information that you provide on this form to each institution
you list in questions 86–96, state agencies in your state of legal residence, and the state agencies of the states in which the colleges that you list in questions
86–96 are located.
   If you are applying solely for federal aid, you must answer all of the following questions that apply to you: 1–9, 14–16, 18, 21–22, 25–26, 31–36, 38–45,
48–67, 70–74, 76–85, and 99–100. If you do not answer these questions, you will not receive federal aid.
   Without your consent, we may disclose information that you provide to entities under a published “routine use.” Under such a routine use, we may
disclose information to third parties that we have authorized to assist us in administering the above programs; to other federal agencies under computer
matching programs, such as those with the Internal Revenue Service, Social Security Administration, Selective Service System, Department of Homeland
Security, and Veterans Affairs; to your parents or spouse; and to members of Congress if you ask them to help you with student aid questions.
   If the federal government, the U.S. Department of Education, or an employee of the U.S. Department of Education is involved in litigation, we may send
information to the Department of Justice, or a court or adjudicative body, if the disclosure is related to financial aid and certain conditions are met. In
addition, we may send your information to a foreign, federal, state, or local enforcement agency if the information that you submitted indicates a violation or
potential violation of law, for which that agency has jurisdiction for investigation or prosecution. Finally, we may send information regarding a claim that is
determined to be valid and overdue to a consumer reporting agency. This information includes identifiers from the record; the amount, status, and history of
the claim; and the program under which the claim arose.
State Certification
   By submitting this application, you are giving your state financial aid agency permission to verify any statement on this form and to obtain income tax
information for all persons required to report income on this form.
The Paperwork Reduction Act of 1995
   The Paperwork Reduction Act of 1995 says that no one is required to respond to a collection of information unless it displays a valid OMB control number,
which for this form is 1845-0001. The time required to complete this form is estimated to be one hour, including time to review instructions, search data
resources, gather the data needed, and complete and review the information collection. If you have comments about this estimate or suggestions for improv-
ing this form, please write to: U.S. Department of Education, Washington DC 20202-4651.
   We may request additional information from you to process your application more efficiently. We will collect this additional information only as needed
and on a voluntary basis.
                                                                           Page 7
                                                                                                      For Help — www.studentaid.ed.gov/completefafsa
                                          Do not mail these worksheets in with your application.
    Worksheets                            Keep these worksheets; your school may ask to see them.
        Calendar Year 2003
Student/Spouse                                                                                                             Parent(s)
For question 40
                                                      Worksheet A                                                    For question 78
                                                  Report Annual Amounts
                  Earned income credit from IRS Form 1040—line 63; 1040A—line 41, 1040EZ—line 8, or
$                 Telefile—line L                                                                                    $
$                 Additional child tax credit from IRS Form 1040—line 65 or 1040A—line 42                            $
                  Welfare benefits, including Temporary Assistance for Needy Families (TANF). Don’t include
$                 food stamps or subsidized housing.                                                                 $
                  Social Security benefits received, for all household members as reported in question 84 (or 65
$                 for your parents), that were not taxed (such as SSI)                                               $

$                 Enter in question 40.                                                 Enter in question 78.        $

                                                      Worksheet B
                                                     Report Annual Amounts
For question 41                                                                                                      For question 79
                  Payments to tax-deferred pension and savings plans (paid directly or withheld from earnings),
                  including, but not limited to, amounts reported on the W-2 Form in Boxes 12a through 12d,
$                 codes D, E, F, G, H, and S                                                                         $
                  IRA deductions and payments to self-employed SEP, SIMPLE, and Keogh and other qualified
$                 plans from IRS Form 1040—total of lines 24 + 30 or 1040A—line 17                                   $
$                 Child support you received for all children. Don’t include foster care or adoption payments.       $
$                 Tax exempt interest income from IRS Form 1040—line 8b or 1040A—line 8b                             $
$                 Foreign income exclusion from IRS Form 2555—line 43 or 2555EZ —line 18                             $
                  Untaxed portions of IRA distributions from IRS Form 1040—lines (15a minus 15b) or
$                 1040A—lines (11a minus 11b). Exclude rollovers. If negative, enter a zero here.                    $
                  Untaxed portions of pensions from IRS Form 1040—lines (16a minus 16b) or 1040A—lines
$                 (12a minus 12b). Exclude rollovers. If negative, enter a zero here.                                $
$                 Credit for federal tax on special fuels from IRS Form 4136—line 10 — nonfarmers only               $
                  Housing, food, and other living allowances paid to members of the military, clergy, and others
$                 (including cash payments and cash value of benefits)                                               $
                  Veterans’ noneducation benefits such as Disability, Death Pension, or Dependency & Indemnity
$                 Compensation (DIC), and/or VA Educational Work-Study allowances                                    $
                  Any other untaxed income or benefits not reported elsewhere on Worksheets A and B, such as
                  workers’ compensation, untaxed portions of railroad retirement benefits, Black Lung Benefits,
                  disability, etc.
                  Don’t include student aid, Workforce Investment Act educational benefits, or benefits from
$                 flexible spending arrangements, e.g., cafeteria plans.                                             $
$                 Money received, or paid on your behalf (e.g., bills), not reported elsewhere on this form              XXXXXXXXX

$                  Enter in question 41.                                                 Enter in question 79.       $

For question 42
                                                      Worksheet C                                                    For question 80
                                                     Report Annual Amounts
                  Education credits (Hope and Lifetime Learning tax credits) from IRS Form 1040—line 47 or
$                 1040A—line 31                                                                                      $
                  Child support you paid because of divorce or separation or as a result of a legal requirement.
                  Don’t include support for children in your (or your parents’) household, as reported in question
$                 84 (or question 65 for your parents).                                                              $
                  Taxable earnings from need-based employment programs, such as Federal Work-Study and
$                 need-based employment portions of fellowships and assistantships                                   $
                  Student grant and scholarship aid reported to the IRS in your (or your parents’) adjusted gross
                  income. Includes AmeriCorps benefits (awards, living allowances, and interest accrual
$                 payments), as well as grant or scholarship portions of fellowships and assistantships.             $

$                  Enter in question 42.                                                 Enter in question 80.       $

                                                             Page 8
                                                                                                             For Help —1-800-433-3243
                                       1500 Valley River Drive, Suite 100
                                                 Eugene, Oregon 97401

Oregon Student Assistance Commission

Section Four:
Finding and Applying
for Scholarships

.      .       .   .   .   .   .   .       .      .     .      .     .
The Oregon Student Assistance Commission was awarded
“National Scholarship Provider of the Year” in 2001

October 2003
Finding and Applying for Scholarships

  Applying for scholarships is separate from applying for federal, state, or college
  financial aid. Get an early start on your scholarship search—begin a year or so
  before you plan to enter college.

Search a variety of sources for scholarship        are available later in December. This
information, such as high school counseling        year, the online application will let you
offices, libraries, and civic organizations.       upload essays and activities charts as
Some employers have scholarships for               well, so use this method if you can, but
employees and their dependents. Contact            do not forget to mail in transcripts!
the human resources department at the
company where you or your parents work.            For all scholarship applications, be sure to
                                                   present yourself, your accomplishments,
With so much free scholarship information          and your goals as eloquently and pro-
available, think twice about paying a              fessionally as possible. Donors are inter-
company to search for scholarships for you.        ested in your academic ability,
Be wary of services that offer money-back          extracurricular interests and activities,
guarantees, promote themselves as the only         writing ability, and future plans.
source for certain kinds of information, or
require your credit card number to hold            Donors sometimes will require the names
scholarships for you. Unfortunately, some          and addresses of personal references.
such companies may not have the best               Students with similar grades, standardized
interests of their clients in mind.                test scores, and experiences can look the
                                                   same to the people who review their
A wealth of information is available on the        applications, so the way that you present
Internet. OSAC’s Financial Aid Informa-            yourself can make all the difference in
tion Page and nationwide scholarship data-         whether your application is successful.
bases at sites such as www.finaid.org and          Write, edit, and rewrite essays as much as
www.fastweb.com are great starting places.         you feel necessary. Have someone read
                                                   them who can provide constructive
Oregon residents should go to OSAC’s               criticism and suggestions. When selecting
website www.osac.state.or.us/private.html          references, pick people who know you
to find information on more than 280               well and can provide enthusiastic support.
scholarships available to Oregon
residents. This year OSAC provided $10             Don’t fail to apply for scholarships just
million to more than 3,200 students. The           because you think you may not receive
OSAC unified scholarship application can           any. Scholarships are open to many kinds
be used to apply for many different                of students, and donors weigh academic
scholarships with a single form—                   and other criteria differently. Also, some
assuming that you meet the eligibility             scholarships are for students who have had
criteria for each program.                         very specific kinds of experiences, such as
                                                   living in a certain county, or participating
The deadline for the OSAC application is           in certain clubs or activities. Whatever you
March 1 each year. Paper forms are                 do, APPLY! And good luck!
available at high schools and colleges by
mid-December and online applications
The Oregon Student Assistance Commission
administers these major programs:

Scholarships: Through more than 280               approximately $20 million to needy
privately funded scholarships, OSAC               Oregonians.
administers more than $10 million to more
                                                  Federal Family Education Loan Program
than 3,200 students.                              (FFELP): Annually, OSAC guarantees
Oregon Opportunity Grant: The Oregon              FFELP student loans to Oregon students and
Opportunity Grant goes to low-income              their parents. OSAC also provides debt
Oregonians attending Oregon colleges and          management assistance to Oregonians.
universities. Each year, OSAC awards

The Oregon Student Assistance Commission
administers more than 280 scholarships.

Donors from throughout the state establish        Mark Your Calendars –
these scholarships, which range from small,
                                                  The OSAC Scholarship
one-time awards for graduates of a single high
school to large, renewable scholarships           Deadline is always March 1
available statewide.
                                                  We thank all of these donors for their
Donors often place their programs with the        generosity. We are also very grateful to the
Commission because they want to reach a           high school and college counselors and
targeted applicant base. For example, this        volunteers whose dedication and hard work
happens when someone wishes to encourage          have made it possible for many Oregonians to
the study of agriculture among students from      successfully apply for OSAC scholarship
several counties, or journalism among             programs.
students in a metro area, or simply to help all
graduates from a particular high school no        If you are interested in establishing a
matter where they choose to attend college.       scholarship program, call 541-687-7385 or
                                                  toll-free 1-800-452-8807, ext 7385.
Each year, the Oregon Student Assistance Commission offers Oregon residents
   “one-stop shopping” for awards ranging from $500 to more than $20,000!

     ATTENTION HIGH SCHOOL COUNSELORS: The information that follows has been
     refined to embody the Commission’s experience of how students can best present
     themselves to meet OSAC application requirements and scholarship donor expectations.
     It is important that students read and follow the instructions carefully and read all
     the scholarship descriptions; there may be many different scholarships for which a
     student could qualify.
     Also, pay close attention to “Counselor Information” – the package of flyers and
     auxiliary information sent with each box of applications mailed to your high school in
     December. This information allows us to alert you to scholarships that may be of
     special interest to your students.

   What Counselors Can Do Today:
     Read the Requirements and                           “present” to donors and selection
     Action Steps to Scholarship                         committees.
     Success on the next pages and
                                                         During the fall before the OSAC
     make copies of the blank
                                                         scholarship applications arrive,
     Activities Chart for all your
                                                         encourage students to prepare
     interested students.
                                                         rough drafts of Activities Charts
     Begin regular sessions with                         and essay questions. Suggest to
     students to help them learn how                     that they treat their scholarship
     to complete their Activities Chart                  applications like job resumes—
     logically and concisely.                            presentation pieces that are to be
                                                         revisited and refined each year they
     Encourage students to work on
                                                         are in school.
     their organizational skills – the
     Activities Chart can be considered                  Review the Counselor
     a kind of scholarship test in itself                Suggestions and notes on the
     – the better a student is at                        ASPIRE volunteer program on the
     providing concise and informative                   pages following the Activities
     details on the single page                          Chart.
     allowed, the better he or she will
What Is Required for the
2004-2005 OSAC Scholarship Application?

at any Oregon high school or at most Oregon college financial aid offices.
OR—the preferred method:
later in December and familiarize yourself with the OSAC “eApp,” the online
version of the application. This year the eApp will also allow you to upload
your essays and activities chart, leaving only transcripts and documents (like a
copy of a birth certificate) required by specific scholarships to be mailed in.

        complete the Free Application for Federal Student Aid (FAFSA);
        be an Oregon resident, unless a particular scholarship specifies otherwise;
        be a U.S. citizen or eligible noncitizen; and                                                    $
        not owe a refund on an educational grant or be in default on any educational loans.

        must be enrolled full-time – 12 credits or more – unless a particular scholarship specifies
        must make satisfactory academic progress according to each school’s policies for students
        receiving federal Title IV aid;
        can only use OSAC award(s) at U.S. institutions eligible to participate in Title IV federal student
        aid programs (U.S. military academies are not eligible);
        must use OSAC award(s) only for educationally related expenses – tuition/fees, room/board,
        books/supplies, transportation, child care when specified; and
        are granted scholarship(s) for attending entire academic years; if an applicant attends less than a
        full academic year, the award amount(s) will be prorated.

STATE OF OREGON RESIDENCY REQUIREMENTS apply to most, but not all, OSAC programs:
      Dependent students must have parents residing in Oregon.

      Independent students must reside in Oregon for 12 consecutive months prior to September 1 of the
      academic year for which application is made.

U.S. MILITARY PERSONNEL are eligible to compete for OSAC scholarships if their “home of record” is Oregon.

       DON’T FORGET TO REMIND YOUR STUDENTS: As long as they remain Oregon residents,
       continuing college students should review their eligibility each year for the more than 120 OSAC
       scholarship programs open to undergraduate and graduate college students.
      OSAC Scholarship Application Activities Chart
Name:                                                      SSN :
                                 Dates             Total
                                           Week              Responsibilities / Accomplishments
                                From-To            Hours
A. School/Community/
   Family Activities

 B. Volunteer Service

D. Work for Pay

Essay #1: Describe your most significant challenge or accomplishment and explain its
value to your life.
Essay #2: Explain your long-range goals—for school and career—and describe what
specific skills and personal values you want to foster in yourself to achieve those ends.
Ten Tips from OSAC To High School Counselors:
1.   ENCOURAGE YOUR STUDENTS TO                             your transcripts reflect the first two quarters of
     COMPLETE THE OSAC APPLICATION                          your senior year.
     PROCESS. New awards may come online
     after publication of the application because of   6.   MISSING TRANSCRIPTS: One out of five
     timing or other constraints. Some students             students who apply for OSAC scholarships fail
     receive awards from programs that do not               to include a transcript, or send a transcript that
     appear in the application booklet.                     does not show seventh-semester high school
2.   TAKE THE SAT OR ACT! Scores may not
     be required for community colleges, but           7.   ESSAYS ARE VERY IMPORTANT. Remind your
     students without SAT or ACT scores are not             students to follow the instructions. For example,
     as competitive when applying for many                  the application asks for one-page essays; a
     scholarships.                                          student who writes longer essays may be less
                                                            favorably reviewed because she or he did not
3.   The federal government is the biggest                  follow instructions. Essays should be typed or
     SOURCE OF FINANCIAL AID. Students apply                neatly written with a dark pen and double-
     for all federal financial aid (loans, grants,          spaced with one-inch margins. The student’s
     work study) through the Free Application for           name and last four digits of his or her social
     Federal Student Aid (FAFSA). The FAFSA                 security number must appear at the top of every
     is also the application for some institutional         page in the application.
     aid, the Oregon Opportunity Grant, and
     OSAC need-based scholarships. Call the
                                                                  For more OSAC scholarship
     Department of Education about the FAFSA:
                                                                applications, call 1-800-452-8807,
     1-800-4 FED AID (1-800-433-3243)                                       ext 7395.
     Some students pay for scholarship search          8.   WHAT MATTERS IS THE POSTMARK. If the
     services, when the same information is                 application is postmarked before or on March 1,
     available at no cost through the Internet.             we accept it. If the postmark is after March 1, it
     Check out OSAC’s WEBSITE for links to                  is rejected. DO NOT RELY any method that
     popular scholarship search programs:                   does not guarantee that postmark. A receipt
     www.GetCollegeFunds.org.                               from a mail service does not equal a postmark!
4.   The OSAC scholarship application can be           9.   Some scholarships require ADDITIONAL ESSAYS
     COMPLETED ONLINE, at the OSAC website                  or documentation. If those are not included in
     in December. Transcripts and other                     the application, the student won’t be considered
     attachments must still be sent by mail and             for that specific award.
     received at OSAC by March 1 postmark for
     the online application to be considered.          10. Remind students to continue to apply for OSAC
                                                            scholarships after they go away to college. As
5.   TRANSCRIPTS MUST INCLUDE the seven                     long as they remain Oregon residents, they
     semesters of high school (including course             are eligible to compete for scholarships
     work for fall semester (or trimester or first          through OSAC. More than 120 programs are
     two quarters) of your senior year) for a               for college students. By refining their
     student to be considered for OSAC                      scholarship applications, just like they would do
     scholarships. If your high school reports              with their job résumés, students can apply for
     grades by four quarters, please ensure that            awards each year they are eligible to compete.
                          SPECIAL RECOMMENDATION FORM

                             This form should only be used for students who do not meet the GPA requirement
                                  but wish to apply for the Ford Scholars or the Ford Opportunity Program.

___________________________________________________________                                  __________________________________
Student Name                                                                                   Social Security Number

The purpose of this special recommendation is to identify as potential Ford Scholarship Program candidates
graduating high school seniors or community college students who have cumulative grade point averages of less
than 3.00 but not less than 2.50 or a GED score of less than 2900 (or 290 for pre-2002 score) and who have
demonstrated through other measurements an ability to succeed at college-level work.

This recommendation should be completed and signed by a high school counselor at the high school from which
the applicant will graduate OR by an academic advisor/counselor from the student’s college. An applicant who is
not currently enrolled in a high school or community college may have an employer complete this form.

Attach this signed recommendation to the completed Oregon Student Assistance Commission Scholarship
Application. Also attach to the application all required essays, documentation, and transcripts.


You may recommend a Ford scholarship applicant if he or she meets any of the following criteria (check boxes to
confirm applicant’s eligibility):

      The applicant must have a combined SAT score (SAT-Verbal plus SAT-Math) of 900 or more or a composite ACT
      score of 21 or more and a cumulative grade point average of at least 2.50 or be successfully completing courses at a
      community college leading toward a transfer degree or entering a four-year college with junior standing.

      The applicant must have demonstrated an improvement in GPA over the course of his/her high school or community
      college career or indicate special circumstances to explain applicant’s decline in progress.

      The applicant must demonstrate, through work experience or a course of study the ability to perform college-level work.

Please explain why you feel this applicant should be considered for a Ford scholarship:
(This explanation is very important - if additional space is needed, please use the back or attach a letter of reference.)

_________________________________________                                _____________________________________________
Counselor/Advisor/Employer Printed Name                Title             Name of School or Employment                        Phone

__________________________________________                                _____________________________________
Counselor/Advisor/Employer Signature                                      Date

     Oregon Student Assistance Commission Grants & Scholarships Division, PO Box 40370, Eugene Oregon 97404; February 2003
                               The following advice comes from the

                       Federal Trade Commission

Don’t Get “Scammed” On Your Way To College!
Look for the Six Signs That a Scholarship Search May Be a Scholarship SCAM!

1. “This scholarship is guaranteed or your money back.”
   No one can guarantee they will get you a scholarship. Refund guarantees often have
   conditions or strings attached. Get refund policies in writing—before you pay.

2. “You can’t get this information anywhere else.”
   There are many free lists of scholarships available. Check with your school or library before
   you decide to pay for someone to do the work for you.

3. “May I have your credit card number to hold this scholarship?”
   Do not give out your credit card or bank account number on the phone without getting
   information in writing first. It may be a set-up for an unauthorized withdrawal from your

4. “We’ll do all the work.”
   Don’t be fooled. There’s no way around ityou must apply for scholarships or grants

5. “The scholarship will cost some money.”
   Don’t pay anyone who claims to be “holding” a scholarship or grant for you. Free money
   shouldn’t cost a thing.

6. “You’ve been selected by a national foundation…” or “You’re a finalist…”
   Before you send money to apply for a scholarship, check it out. Make sure the foundation or
   program is legitimate. If you’re a finalist in a contest you never entered, beware.

                              To report a potential scholarship scam:

                                  Federal Trade Commission
                                         PO Box 996
                                    Washington DC 20580
                            Visit their website at http://www.ftc.gov
                 Call the National Fraud Information Center at 1-800-876-7060
                                       1500 Valley River Drive, Suite 100
                                                 Eugene, Oregon 97401

Oregon Student Assistance Commission

Section Five:
Additional Resources

.      .       .   .   .   .   .   .       .      .     .      .     .
ASPIRE Program, Links, etc.

October 2003

The ASPIRE Volunteer Advisor expands and enhances the reach of high school counselors to help students
overcome financial, cultural, and academic barriers to education beyond high school. ASPIRE uses a proactive
strategy to encourage students who do not, for whatever reason, see education beyond high school as an
option, and who might otherwise not seek out the resources available to them. ASPIRE accomplishes this by
training volunteer advisors to work with students who need encouragement, information, and technical
assistance to achieve their post high school goals.
    Provide mentoring and resources to help students access education and training beyond high school.
    Help high schools build a sustainable community of volunteer mentors.
    Educate students and families about the scholarship application process and other options or paying for
    postsecondary education
Results So Far…
    ASPIRE has worked with 6,430 high school students since it began in 1998; the number of high school
    students applying for and earning OSAC scholarships has grown dramatically.
    Some 98% of ASPIRE Senior Student Survey respondents indicate they intend to continue their education
    after high school, compared to about 70% of students overall.
    ASPIRE continues to serve all students, including those with mid-range grade point averages, those who
    are first generation college attendees, and those from various ethnic backgrounds.
    ASPIRE has increased community involvement in participating cities and towns; in just one year (2002-
    2003), ASPIRE recruited some 400 volunteer mentors to work one-on-one with more than 1,600 students.
    Support has increased for ASPIRE as awareness has grown: AmeriCorps provides funds, as does the
    Oregon University System’s GEAR UP program and The Ford Family Foundation.

How do High Schools Get Involved with ASPIRE?
High schools apply and compete for the ASPIRE program. They are selected based on each school’s readiness
to make an ongoing commitment to recruiting and supporting community volunteers as advisors and mentors
for students. ASPIRE applications will be available in April 2004.

2003-2004 ASPIRE High Schools
Here is the map of the 53 schools
participating in ASPIRE this year. If you
are interested in volunteering, please
contact the ASPIRE school directly or
contact ASPIRE Program Manager Vicki
Merkel, vicki.b.merkel@state.or.us.

ASPIRE is a joint creation of The Oregon
Community Foundation (OCF) and OSAC,
through the Partners for Scholars program.
OCF’s mission is to improve life in
Oregon and promote effective

             For more information contact Vicki Merkel, ASPIRE Program Manager, at 541-687-7370 or
                email vicki.b.merkel@state.or.us. Visit the ASPIRE website at www.aspireoregon.org