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Ages 18–24Stage 5 of 11
College & Grads
Independence Begins
Master FAFSA, student loans, first budgets, and credit card strategy as you enter the real world.
Navigating College & Early Independence
FAFSA & Financial Aid
File FAFSA every year starting October 1st. Even if you think you won't qualify, many schools use it for merit aid too. Understand EFC (Expected Family Contribution) and how assets affect aid.
Student Loan Strategy
Exhaust federal loans before private. Understand subsidized vs. unsubsidized rates. Calculate the total cost of the degree vs. expected starting salary — aim for total debt under 1x first-year income.
First Real Budget
Rent, utilities, groceries, and transportation — track every dollar. Use the 50/30/20 rule: 50% needs, 30% wants, 20% savings/debt repayment. Our Budget Planner can help.
Credit Card Strategy
Start with a student card or secured card. Pay in full every month. After 6 months of history, consider a travel rewards card to start earning points on everyday purchases.
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