The following sources usually have information about aid from the federal government and your state government; most can tell you about funds from your local community and private sources as well.

• A college or career school financial aid office. Talk to the financial aid administrator at the school you plan to attend. Be sure to ask about "institutional aid" - money the school itself awards students. The school's catalog or web site is also a good source of information about aid available at the school.

• A local or college library. Relevant materials are usually listed under "student aid" or "financial aid." If you need help, ask the reference librarian.

• The Internet.Search using the key words "student aid" or "financial aid." Remember that many scams operate over the Internet, so if an Internet service charges a fee, research it carefully. Better yet, use one of the many free Internet search services or aid information sites.

• A high school counselor's office. Many counselors have a large selection of materials, know what recent graduates have received, and can guide you to free online information.

The major source of student financial aid is the U.S. Department of Education. About 70% of the student aid that is awarded each year comes from the U.S. Department of Education's programs (approximately $61 billion in 2000-2001). The Department's aid includes grants, loans, and work-study.

Free materials available in the financial aid office at your college or career school or the guidance office at your high school include the FAFSA as well as The Student Guide and Funding Your Education (two booklets that provide detailed information about the U.S. Department of Education's programs). You also may request copies of the FAFSA or either of the two booklets by calling the Federal Student Aid Information Center (FSAIC) toll free at the number shown below. The FSAIC's operators can answer your questions about federal student aid and the application process.

Checklist of Free Resourses of College Financing Information

• the financial aid office at your college or career school
• a high school counselor
• the U.S. Department of Education
• other federal agencies (including the military, if appropriate)
• your state education agency
• the reference section of your school or public library
• the Internet
• foundations, religious organizations, community organizations, local businesses, and civic groups
• organizations (including professional associations) related to your field of interest
• ethnicity-based organizations
• your employer or your parents' employers
• free scholarship search services

Check with all of these sources before considering paying for a scholarship search or other financial aid service.