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Let’s start! Q1. What key priorities should families focus on when creating a college budget, and how does completing the FAFSA early influence budgeting decisions and financial aid eligibility? #CreditChat

A1: Track all costs for 4 years and backwards plan for the cost per month or per week. Be prepared to submit the FAFSA as early as possible to get as much aid as you qualify for and... SCHOLARSHIP APPLICATIONS! #creditchat Experian

A2: Ideally, families begin INVESTING for college when their child is still in diapers! Contributing small amounts early and often will maximize compounding in a 529 plan or custodial Roth IRA. Experts suggest buying low-cost diversified index funds. #creditchat Experian

A3: Families should focus on emergency savings and retirement investments before college accounts because college has many more funding options. NGPF has free goals-based budgeting activities to help with balancing college saving and other financial needs! #creditchat Experian

A4: Look beyond tuition and dorm rooms - think textbooks, supplies, transportation, activities, technology, club fees or Greek life dues, and everyday living expenses. The BEST game to discover these hidden costs is: timeforpayback.com #creditchat Experian

A5: Talk openly about college expectations and costs early and often. Open a savings account, and create a college savings goal that you all add to over time. Take a weekend to research college costs with NGPF'S free resources: ngpf.org/curriculum/pay… #creditchat Experian

A6: Federal loans (from the govt) have fixed low fees, flexible repayment, deferment & forgiveness options. Private loans(from financial companies) have higher fees, & lack borrower protection. If you must borrow, seek federal loans before private! #creditchat Experian

A7: College is 1 of the biggest financial choices most grads make in their lives! Financial aid/scholarships are key in the process. They can lower out-of-pocket costs big time! You should always compare financial aid packages before locking in. #creditchat Experian

A8: Is the total of all loans less than 1 year of salary after college? (It should be!) What are the interest rates? Loan terms? How will it impact your credit? Know the risks of co-signing: shared debt, credit drop, possible relationship strain. #creditchat Experian

A9: Check out the dedicated unit on Paying for College from NGPF.org! It's free & has lessons/activities to complete in school or at home. Includes: FAFSA & financial aid, sticker vs. net price, budgeting during college & more. #creditchat Experian

A10: By involving everyone in the college decision-making process, (researching, saving, applying) you build trust & model/practice what smart financial planning looks and sounds like! #creditchat Experian

Our summer Speaker Series lineup kicks off tonight with Jeff Desjardins, founder of Visual Capitalist, who will share how visual tools can make complex financial concepts more accessible and meaningful for your students. FREE! Register now: ngpf.org/pd/registratio…

Money 101 is now a graduation requirement in 28 states. High schoolers will leave class understanding credit, saving, taxes, and more. thecollegeinvestor.com/59265/personal…

🎉Over the weekend, Texas became the 29th state to guarantee a Personal Finance course for all high school students. Once all state laws are fully implemented, 76% of U.S. HS students will take a standalone Personal Finance course before graduating. More: ngpf.org/blog/press-rel…

Texas has become the 29th state to guarantee Personal Finance course for all high school students.

Grateful for ⁦Amanda Volz⁩ and ⁦Next Gen Personal Finance⁩ for giving me the opportunity to talk about Joyful Learning in the classroom.

After 31 years teaching, NGPF Ambassador and Distinguished Educator Julius Prezelski is retiring with a legacy of empowering students through financial education. Read more of his journey from the business world to the Mount Saint Joseph High School classroom: ngpf.org/blog/teacher-t…

"While the rollout isn’t the same in each state, the message is getting louder: Financial literacy is no longer optional in American education." crediohub.com/banks/article/…

Love to see all those badges! Congrats.

“Personal financial literacy is the bridge to equality for all Texas students." - Jennifer “Mitchy” Mitchell Full story on Texas becoming the 29th guarantee state via The Daily Texan thedailytexan.com/2025/07/01/tex…