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  • Savings Options – Small Savings Build Big Dreams
    options include 529 plans savings accounts dedicated to college savings U S Savings Bonds and Coverdell Education Savings Accounts ESAs Each of these options is described below and links are provided for more information UW Extension has developed a more detailed comparison chart that describes core features of each type of account along with this fact sheet 529 plan Named for a part of the tax code that provides tax benefits for higher education expenses 529 plans offer potential tax savings Wisconsin has two plans Edvest and Tomorrow s Scholar The State of Wisconsin s 529 website 529 wi gov also provides more information Savingforcollege com provides information on Wisconsin and other states 529 plans Savings account dedicated to college savings Savings and related accounts for example CD s may be used to save for college It may be helpful to set up an account dedicated to college savings rather than using an existing savings account More information is available from finaid org savings and americasaves org U S Savings Bonds When used for eligible college education expenses all or some of the interest earned from Savings Bonds may be tax free TreasuryDirect gov is the government s official website for learning more about and purchasing Savings Bonds look for EE and I Bonds The Internal Revenue Service provides information about using Savings Bonds for education expenses Coverdell Education Savings Account ESA Formerly known as Education IRA s a Coverdell ESA is an investment account used to save for qualified elementary secondary or college education expenses More information is available form the Internal Revenue Service along with the organizations FinAid and Saving for College University of Wisconsin Extension An EEO AA employer University of Wisconsin Extension provides equal opportunities in employment and programming including Title IX and Americans with Disabilities

    Original URL path: http://fyi.uwex.edu/collegesavings/starting/savings/ (2016-02-18)
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  • Benefits of Higher Education – Small Savings Build Big Dreams
    those with less education Individuals with advanced degrees tend to earn even more Of course this graph combines a wide variety of career paths together and individual outcomes depend on a variety of factors Is education beyond High School worth the investment In the following video John Poole of the University of Wisconsin Richland discusses investing in a college education Where to find information on specific careers For many people decisions over whether to go to college where to go which subject to major in and which field to go into involve a variety of considerations not just expected future earnings Nonetheless in thinking about going to college it can be important to consider career options A couple of resources to consider are the Bureau of Labor Statistics Occupational Outlook Handbook which provides detailed information about the responsibilities training pay and outlook for hundreds of careers www bls gov ooh and Junior Achievement s Build Your Future app which allows users to assess the return on investment of different school and career paths www juniorachievement org web ja usa apps University of Wisconsin Extension An EEO AA employer University of Wisconsin Extension provides equal opportunities in employment and programming including

    Original URL path: http://fyi.uwex.edu/collegesavings/benefits/ (2016-02-18)
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  • Paying for College – Small Savings Build Big Dreams
    college in 2015 Source Sallie Mae 2015 Parent income and savings is the largest category at 32 with students contributing another 11 through their own income and savings Perhaps most surprising student borrowing only accounts for 16 of all payments The exact mix of funds varies from family to family but it is clear households use a mix of funds to pay for college Financial aid comes in many forms Financial aid refers to several sources of funds not just grants Different types of financial aid fall under four categories Grants Grants are offered by the government and some educational institutions They do not need to be repaid Grants may be need based for example based on income merit based based on student performance or based on some other criteria Scholarships Like grants scholarships do not need to be repaid Scholarships are offered by educational institutions and private organizations How scholarships are awarded varies for example some may be awarded for academic achievement others for a wide variety of different factors One place to look for scholarships is fastweb com Student loans Loans are offered by the federal government and private institutions Loans must be repaid with interest A variety of loan options are available and some students are eligible for subsidized loans that come with lower interest rates and payments deferred until graduation Work study Subsidized employment at a school based jobs For most students work study earnings do not count against their eligibility for other types of financial aid and could increase need based financial aid The availability of different types of financial aid depends on a variety of factors and application requirements will vary One critical step for incoming students is to fill out the FAFSA Free Application for Federal Student Aid at fafsa gov Filling out

    Original URL path: http://fyi.uwex.edu/collegesavings/paying/ (2016-02-18)
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  • Video Series – Small Savings Build Big Dreams
    University of Wisconsin Extension An EEO AA employer University of Wisconsin Extension provides equal opportunities in employment and programming including Title IX and Americans with Disabilities ADA requirements Connect with Us University of Wisconsin Extension Cooperative Extension Home We teach learn lead and serve connecting people with the University of Wisconsin and engaging with them in transforming lives and communities Explore Extension The Learning Store Publications for your life organizations

    Original URL path: http://fyi.uwex.edu/collegesavings/videos/ (2016-02-18)
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  • Trusted Resources – Small Savings Build Big Dreams
    paying for college Resources include a FAFSA4caster calculator that provides an early estimate of families eligibility for federal student aid Free Application for Federal Student Aid fafsa ed gov Official website for applying for federal student aid Includes a variety of related resources Consumer Financial Protection Bureau s CFPB s Paying for College website consumerfinance gov paying for college Tools and resources to help make informed financial decisions about how to pay for college from the CFPB College Navigator nces ed gov collegenavigator U S Department of Education information including college cost calculator and school data College Savings Plans Network collegesavings org Provides state by state information on college savings plans college cost calculators and additional resources Fastweb fastweb com Provides free scholarship search information directed to high school and college students Online Resources Paying Back Student Loans Consumer Financial Protection Bureau s Repay Student Debt website Provides information and advice on figuring out the best way to pay off student loans based on individual circumstances U S Department of Education s Here s your guide to repaying your federal student loans website Provides a variety of resources related to repaying federal student loans Questions or suggestions Please contact us

    Original URL path: http://fyi.uwex.edu/collegesavings/resources/ (2016-02-18)
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  • Savings Strategies Workshop in Abbotsford – Small Savings Build Big Dreams
    of saving while offered some fun activities and snacks As an incentive for attending a raffle will be held Winners will receive a 100 00 deposit into newly opened savings accounts Event Location Abbotsford WI Community Center Post navigation Getting Started University of Wisconsin Extension An EEO AA employer University of Wisconsin Extension provides equal opportunities in employment and programming including Title IX and Americans with Disabilities ADA requirements Connect

    Original URL path: http://fyi.uwex.edu/collegesavings/events/savings-strategies-workshop/ (2016-02-18)
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  • Obtaining Your Free Report – Check Your Free Credit Report Campaign
    sell A 2012 report by the Consumer Financial Protection Bureau found that only 36 of the credit reports consumers receive each year come from AnnualCreditReport com 1 indicating that many Americans are paying for information they can obtain for free By following the steps outlined on this website you can do your own credit monitoring for free Please note that AnnualCreditReport com only provides your credit report not your score See the Report vs Score page for more information Paying for your score is generally unnecessary Information needed to access your report Full Name Social Security Number or Individual Taxpayer Identification Number ITIN If using an ITIN you must mail a request form to the address below Date of Birth Address Previous addresses from the past two years We recommend having this information ready before starting and not relying on memory if you have moved several times Entering wrong addresses can delay the process How to Obtain Your Report Online AnnualCreditReport com The only website that provides the free credit reports you are entitled to by law Completely free and does not require you to subscribe to any services Other websites charge for similar services and may even be spam Secure and safe and only asks for information needed to verify your identity Be careful of spam emails and websites that imitate AnnualCreditReport com Other websites that claim to be free often charge monthly fees of 15 20 after a short trial period Mail Send a request form to Annual Credit Report Request Service P O Box 105281 Atlanta GA 30348 5281 Requests by mail may take 2 3 weeks for delivery Phone 877 322 8228 Don t Get Discouraged You may be asked to provide follow up information in order to verify your identity This is a common step and only takes a few extra minutes In addition sometimes the online request system does not work In those cases we recommend calling or mailing the request form If you have a problem with the credit agency and want to complain about Equifax Transunion or Experian you can file a formal complaint with state and federal regulatory agencies The credit bureaus are regulated under the Fair Credit Reporting Act for more information visit www ftc gov os statutes fcrajump shtm To file a complaint with the Wisconsin Department of Agriculture Trade and Consumer Protection go to datcp wi gov consumer consumer complaints index aspx or call 800 422 7128 To file a complaint with the Consumer Financial Protection Bureau go to www consumerfinance gov complaint or call 855 411 2372 The CFPB has a special form and reporting process just for the credit agencies Other types of reports In addition to your credit reports you may also want to look up your other personal data that is held by third party firms The Fair and Accurate Credit Transactions Act gives you the right to one free report annually from a consumer reporting agency that compiles reports on employment medical records

    Original URL path: http://fyi.uwex.edu/creditreport/obtaining_your_report/ (2016-02-18)
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  • Reading Your Report – Check Your Free Credit Report Campaign
    information to make sure it is accurate The following sample reports can be helpful for learning about the information in your report The reports will likely different than yours but the types of information will be very similar Equifax Experian TransUnion Identifying Potential Errors Go through each account and check for these potential errors Accounts that are not yours Incorrect labeling of payments as late Incorrect balance for an item Incorrect account number Incorrect creditor company Incorrect dates of last activity or charge offs Incorrect credit limit or high credit amount the highest amount you used on that account Missing account information Dealing with Errors Visit the Fixing Errors page if you find an error in your report If you see evidence of identity theft there are specific steps you need to take These are listed on the Federal Trade Commission s website about reporting and repairing identity theft and you can visit the page on our website about security freezes and fraud alerts Monitoring Negative Information Go through your credit report and make sure every detail about negative activity is correct Negative actions remain on your credit report for different periods of time Bankruptcies may remain on your report for up to 10 years after the initial filing date Foreclosures and court judgments should only remain on your report for seven years Past due payments will be marked as 30 60 or 90 days past due and remain on the report for seven years from the date of the missed payment You can request that a lender remove payments labeled as late but their impact is minimal after 2 years If any of your active accounts are in collection you must decide what action s to take It may be easiest to pay off the balance especially if it

    Original URL path: http://fyi.uwex.edu/creditreport/reading/ (2016-02-18)
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