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Module 15
Paying For College
In this module, we examine the hefty price tag associated with higher education and explore various strategies to manage and pay for college education.
We dissect different types of scholarships, grants, student loans, and work-study programs. We also explore FAFSA and how to apply for financial aid, so that by the end of this module, students have a clear roadmap for investing in future education.
Module At A Glance
Grade Levels:
9th -12th
Est. Length:
2-3 Hours (12 slides)
Activities:
1 Activites
Articles:
3 Articles
Languages:
English & Spanish
Curriculum Fit:
Math, Business, Economics, CTE, Social Studies
Standards Alignment:
CEE National Standards, Jump$tart National Standards & Relevant State Standards
Guiding Questions
- What options are there out there to help pay for college or university?
- How can you leverage grants and scholarships to help reduce the cost of college?
- What is the opportunity cost of going to college and what other options are there?
- What are factors you are looking for in employment? Do they require a college degree or does it make it easier?
- In what ways are you able to get assistance from the government or lending agencies to help with college?
Enduring Understandings
- Determining the opportunity cost of college and various forms of education and how you can apply opportunity cost to many things in life.
- Job satisfaction is important and determining the income and non-income factors that create satisfaction for you.
- There are multiple helpful resources that can assist in paying for college or provide loans that can help cover the cost.
- The key terms for any student loan document and terms to help understand other loan documents.
Module Vocab & Key Topics
FAFSA (Free Application for Federal Student Aid)
This is a form managed by the U.S. Department of Education that students must fill out to be eligible for federal financial aid for college. It serves as the gateway for various forms of financial support including grants, loans, and work-study programs.
Opportunity Cost
A fundamental economic concept, opportunity cost refers to the loss of potential benefits when one alternative is chosen over another. This can relate to both monetary and non-monetary factors, such as time and satisfaction.
Scholarships
These are financial awards provided to students based on various criteria, often academic merit or special talent, and do not have to be repaid.
Grants
Unlike loans, grants are sums of money that are given to students for their education and generally do not have to be repaid. They can be from governmental or private organizations.
Work-Study Programs
These are federally or institutionally funded programs that allow students to work part-time jobs to help pay for college expenses.
Student Loans
A sum of money borrowed to pay for higher education, which will need to be paid back with interest over a specified period.
Fixed Interest Rate
This refers to an interest rate on a loan that remains the same throughout the entire loan period, commonly associated with federal student loans.
Variable Interest Rate
This is an interest rate that can fluctuate over the duration of a loan based on market conditions, often seen in private student loans.
Repayment Plans
These are predetermined arrangements between the borrower and the lender detailing how the borrower will repay the loan, including the repayment period and monthly payment amount.
Gig Economy
This term describes a labor market where short-term, freelance, or contractual work is prevalent, allowing for flexible schedules but often lacking traditional employee benefits.
Non-Income Factors
These refer to elements other than salary that contribute to job satisfaction, such as work culture, job security, and work-life balance.
The Wage Gap
The term is used to describe the pay discrepancies that exist between employees doing the same job, often affecting certain groups disproportionately based on gender, race, or other factors.
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