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How to navigate through the college aid maze

If you’re worried about paying for your child’s college education, keep this statistic in mind: during the 2011-12 school year, the U.S. Department of Education reported that 85 percent of all full-time, four-year college students were receiving some form of financial aid.
Consider planning way ahead of time to develop a college savings strategy that fits with your finances. If you need more resources to cover additional costs, get to know the Free Application for Federal Student Aid, better known as FAFSA (fafsa.ed.gov).
FAFSA is the universal application for current and prospective U.S. college students to receive college financial aid. It is the gateway to grants, student loans and work-study programs on the federal and state level.
If you have a kid headed for college, it’s a good idea to learn about the FAFSA as early as possible. The universal form is the first step for any current or prospective student who needs help paying for higher education. For the 2014-15 academic year, the College Board reported that annual tuition, room and board (trends.collegeboard.org) averaged $18,943 at in-state public universities, $32,762 for out-of-state students and $42,419 at private, nonprofit schools.