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Smart Borrowing


When you sit down to figure out how much you'll need to pay for college, it's important to include all the costs. Everyone knows about the big ones – tuition and room and board. But be sure to include all the others like books, lab fees and course materials that have a way of adding up.

Everyone remembers the "3Rs" from grade school.

SmartBorrowing.org has its own "5Rs" for anyone working on college financing.

This simple worksheet can help you avoid some of the most common mistakes people make, and get you started off on the right foot. Click on the PDF below to download the 5 R’s interactive worksheet. These helpful steps are for you to use, print and save.

Download the 5Rs PDF

Download the 5Rs PDF