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Smart Borrowing


Be a Smart Borrower
With the cost of college rising, SmartBorrowing.org is designed to give you a simple step-by-step guide to help you navigate through the process of how to pay for college.

  • Start Early
    • With the rising cost of college, Smart Borrowing will give you a simple step-by-step guide to help you navigate through the process of paying for school.
  • Estimate Your Needs
    • The sooner you start planning how you will pay for college, the better prepared you will be.
  • Federal Aid First
    • Why it makes sense to pursue scholarships and federal aid before loans.
  • Filling the Gap
    • Where to turn when scholarships and federal aid are not enough.
  • Borrowing Smart
    • Why it makes sense to have a parent or other credit-worthy person as a cosigner.

Scholarship Search

Your handy guide to where and how to apply for scholarships, your first option for college financing.

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Borrower's Rights

Borrowing can sometimes be overwhelming. Knowing what to expect can make the process that much easier.

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