Education Education Planning Decision Tools Determining how much to save for college Finding the funds to pay for a college education Higher education figures at-a-glance FAQs Education tax credits Now that my child is in college, am I entitled to any education tax credits? What are the Hope credit and the Lifetime Learning credit? Financial aid Are any financial aid programs tailored especially to parents of post-secondary students? Are there any assets that are not counted for financial aid purposes? Can an UGMA/UTMA account reduce my child's financial aid for college? Can anyone get a Pell Grant? Can we negotiate our child's financial aid award? Do colleges offer financial aid? How can my child find scholarships for college? How do I apply for financial aid? How do I know if I'm eligible for federal financial aid? How does the federal financial aid process work? Is there anything I can do now so that my child can obtain more financial aid later? What are the major federal financial aid loan programs? What happens if our child's college does not give us all the financial aid we need? What is a Stafford Loan? Saving for college Are government savings bonds risk free? Are savings bonds a good way to save? Are state savings plans a good way to save for college? Can an UGMA/UTMA account reduce my child's financial aid for college? Do series EE bonds offer any special advantages if used for college savings? Help! My child is only two years away from college and we haven't saved much. What should we do? How can I save for my child's college education? Should I establish a trust for my child's college education fund? Should I save for college in my name or my child's name? What is the CollegeSure CD? Selecting a college How should my child go about selecting a college? Student loans Are my student loan payments tax deductible? Can I refinance my student loan? How will I ever pay off my student loans? I'm having trouble paying my student loans. What should I do? Is student loan interest deductible? Should I pay off my student loans early with a home equity loan?