Could not get information on tax credits for lifetime learning. Students do not understand the credits and many do not take advantage of the credits. Do not know answers to some of the questions. Inadequate student status definition is a problem. Many students are on their own, but since they are not 24 years old, they still need to include parent's income on applications.
Students usually accept unsubsidized loans because the amounts are higher.
They do not understand the advantages of the subsidized loan. Award Letters don't clearly tell students which financial aid item they should accept. Loan Counselor program on computer cleared up some questions but was still confusing. Had to make up numbers to get off of the page. Students do not have to pass the test at end of the Loan Counseling Program, but the test is easy.