Paying for College and Beyond #2

Rachel Lindhart Author

07/23/2021 Added

28 Plays

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Hosted by Husker Hub, Student Accounts, Student Money Management, the Veteran & Military Success Center, and Union Bank & Trust. Skip to 08:29 for session start.

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[00:08:39.270]Rachel Lindhart: Good morning, everyone thanks so much for being here thanks for joining us for today's conversation on paying for college and beyond.
[00:08:47.430]Rachel Lindhart: We are going to jump right in and get started here with introductions i'll start us off my name is Rachel in her and i'm an orientation coordinator and the office of new student enrollment.
[00:08:57.510]Rachel Lindhart: I primarily plan our large scale events on campus and then i'm also running our webinar series and summer and I will invite Christie to introduce herself.
[00:09:11.070]Kristy Saunders: hi there i'm I unfortunately can't start my video it says hostess stopped it.
[00:09:17.940]Rachel Lindhart: Okay, well, that would be me, but now on purpose, so let me explain here.
[00:09:22.980]Rachel Lindhart: sorry about that christy.
[00:09:24.360]Kristy Saunders: No worries.
[00:09:32.760]Kristy Saunders: Okay Hello hi everyone, my name is christy Saunders and the assistant director of a husker hub, and the interim internal operations leader.
[00:09:42.060]Kristy Saunders: And I also will be stepping in today for janine who is our account specialist over at the office of student account, so I will be both.
[00:09:50.370]Kristy Saunders: For those of you who do not know the husker hub is the one stop on campus, so we are where you go to get your questions answered, for your student bill your scholarships and financial aid and any sort of registration questions you may have.
[00:10:07.380]Megan Patel: Yes, I am in the graduate lanes and well being and I coordinate student money management and faster pinterest.
[00:10:22.650]Patrick Reese: morning, my name is Patrick reese I am the branch manager.
[00:10:27.000]Patrick Reese: For Union bank and trust we're located just on the North end and inside the student Union where the official bank here on campus.
[00:10:34.980]Patrick Reese: So yeah that's that's me.
[00:10:50.130]Rachel Lindhart: Oh, Joe I think we can't hear you i'm gonna invite you to unmute here there we are.
[00:10:55.020]Joe Brownell: sorry about that Thank you good morning everyone Joe brown ALE and the director for the military and veteran success Center here you are now.
[00:11:03.660]Joe Brownell: or office is located in the basement of the student Union on the opposite side from the bookstore and I look forward to sharing information with everyone today, thank you.
[00:11:16.680]Rachel Lindhart: As you can see, we are fortunate to have a panel of experts from across campus today to join us and talking.
[00:11:23.130]Rachel Lindhart: All about billing money management resources on campus and what that process looks like and how to equip you for success and your transition to nebraska, so we will give an overview of each of those pieces.
[00:11:34.800]Rachel Lindhart: Towards the end we'll have a couple frequently asked questions.
[00:11:37.920]Rachel Lindhart: And then we'll save time at the end of the presentation for a live question and answer so we know that this is sparks a lot of questions about what to expect and the student experience.
[00:11:47.520]Rachel Lindhart: We want to make sure that you get that we get those answered, and that you feel empowered and moving into your transition to nebraska.
[00:11:53.970]Rachel Lindhart: So the today's session is time to get those questions answered and have a conversation so as we're moving through please.
[00:12:00.810]Rachel Lindhart: Please submit any questions that you have, through the Q amp a feature if you navigate to your little navigation panel within your zoom APP.
[00:12:08.880]Rachel Lindhart: You should see a box that says Q and a so I invite you to submit all of your questions, through there that's how we'll keep track of those and hang on to them and to save for the end of the session
[00:12:19.440]Rachel Lindhart: We are using the webinar feature this this morning, so there's no risk of accidentally turning on your camera or your microphone you don't have access to those.
[00:12:27.600]Rachel Lindhart: um, but we will engage with you, through the Q amp a feature and, as always, I will be sending a copy of this session recording as well as a copy of the slide deck hopefully later today via email.
[00:12:38.850]Rachel Lindhart: That will be super helpful there's a lot of links and resources in the PowerPoint today, and so you don't need to scramble to write everything down i'll send that to you in a follow up and you can reference it in the future, moving forward.
[00:12:51.450]Rachel Lindhart: Alright, without further ado i'm going to pass it back to Christine with husker have to talk about all things billing and money management.
[00:12:59.430]Rachel Lindhart: awesome.
[00:13:00.000]Kristy Saunders: Hello everyone.
[00:13:01.830]Kristy Saunders: So, like I said I am from the husker hub, and so, therefore, as you and your student move forward if you have any questions about your bill.
[00:13:09.390]Kristy Saunders: about your financial aid or scholarship options or really we honestly, if you have a question about anything if you come to us, we can get you the right place if it's not us, or we can try our best to find the answer for you.
[00:13:23.880]Kristy Saunders: So we'll just say we are here to help you pay for college, so one of the biggest things that we do is we just want to make sure that.
[00:13:31.350]Kristy Saunders: If you are eligible for funds, we want to make sure there's a way for you to get those funds so, whether that be helping you, with your fafsa, whether that be helping you apply through the scholarship application, what have you, we are here to help you with that.
[00:13:49.200]Kristy Saunders: So one of the things I do like to highlight is ferpa so for any of the parents on the call the purpose refers to the family, education, rights and privacy act of 1974.
[00:13:59.400]Kristy Saunders: So basically What this means is that your student actually has control over their own educational records and who has access to those records.
[00:14:08.070]Kristy Saunders: So if you have any questions about what can or cannot be shared with you as the parent there is actually a fantastic website.
[00:14:15.720]Kristy Saunders: That they have created i've curated for you to kind of go through all the different aspects of some of your students record about what you can know what you can't know.
[00:14:23.520]Kristy Saunders: That is at first, but you and l.edu slash parents and for the students on the call who want their parents help throughout all these processes I highly suggest that you make sure that your parents have guest access, so they can have access to some of this information as well.
[00:14:41.010]Kristy Saunders: So one of the first things I do like to point out, is this our estimated cost of attendance so.
[00:14:48.390]Kristy Saunders: When we're looking at our US bank cost of attendance, we always will base it off of 15 credit hours per semester.
[00:14:55.170]Kristy Saunders: And so, when you're looking at tuition and fees when you're looking at nebraska resident versus non residents.
[00:15:01.260]Kristy Saunders: What you're going to want to do it just know that is based on 15 credit hours per semester.
[00:15:05.670]Kristy Saunders: And the room and board is based off of if you're in a standard residence Hall, and what I mean by that is that it's the traditional.
[00:15:12.510]Kristy Saunders: sized room you don't have any bells and whistles is just the traditional broom a traditional meal plan.
[00:15:18.570]Kristy Saunders: So as you're budgeting and you're using the estimated cost of attendance for budgeting just make sure you are aware, interest in your student wants a sweet style or they want to upgrade in any way these prices may be a little bit higher.
[00:15:31.080]Kristy Saunders: Also, when you're looking at this when you're talking about direct versus indirect costs.
[00:15:35.700]Kristy Saunders: Direct means that is something that will be built to your my right account, so you should be able to see the tuition and fees that are built to you as well as room and board.
[00:15:44.970]Kristy Saunders: However, some of the other aspects of your educational expenses, but may not be directly build to you.
[00:15:50.100]Kristy Saunders: But we want you to be aware of what we've seen our other students have to pay for so, for instance, books and supplies, you can get those from a variety of places.
[00:15:58.230]Kristy Saunders: If you use your end card to purchase the book, it will be put on your student bill, however, if you go through Amazon, or you go through another bookseller.
[00:16:07.260]Kristy Saunders: We see that students tend to spend about $1,000 a year on books and supplies and then, when you see personal and transportation that could be like toothbrush toothpaste that could be gas to go home to visit parents, because.
[00:16:19.740]Kristy Saunders: Whether or not you think you're going to be visiting your parents, a lot because it's always a big transition, you will miss mom and dad at home.
[00:16:26.370]Kristy Saunders: And, of course, anything else about like medical anything else that is under that umbrella and we tend to say budget about $3,310 for for the year and to make sure that you have all that covered, and of course these prices are all before any scholarships and financial aid have been applied.
[00:16:47.160]Kristy Saunders: So the financial aid process when we're referring to this what we're talking about here is when you're filing the fafsa fafsa the free application for federal student aid.
[00:16:56.940]Kristy Saunders: And we recommend that everyone who is eligible to file a fafsa do so So even if just say you're someone who's like I think I make too much money.
[00:17:05.490]Kristy Saunders: To have it be worth my time or if just say you're like I just don't know exactly what i'd be eligible for and I already have a scholarship, so why do I need to do it.
[00:17:14.670]Kristy Saunders: I strongly suggest doing it anyway because one the fafsa has a lot more complicated of a.
[00:17:20.430]Kristy Saunders: Of a formula than you may think so, you may think you're not eligible for things such as grants and additional scholarships through the fafsa but sometimes people were pleasantly surprised.
[00:17:29.760]Kristy Saunders: And then on the flip side, you will be eligible for loans, which is no one's favorite but it's a wonderful safety net.
[00:17:36.060]Kristy Saunders: So, in order to do that you're going to want to make sure to go to to FSA id.ed.gov, which is the fancy way of saying, creating your login information.
[00:17:45.750]Kristy Saunders: And then you're going to fill out the fafsa@fafsa.gov or the parent website student aid.gov and if you have any questions about that we will set up an appointment with you and we can go through every single step of that fafsa with you to make sure that you feel confident in that information.
[00:18:04.140]Kristy Saunders: So the reason why this is important, like I said, you could be eligible for things that just scholarships and grants.
[00:18:09.420]Kristy Saunders: And this will be the call free money, that means that this is stuff you do not need to repay later, so this could be.
[00:18:15.450]Kristy Saunders: For your academics so some of those merit scholarships, that you are putting the running for just even for applying for admission.
[00:18:22.860]Kristy Saunders: Some scholarships do require a fafsa even for your academic scholarships that's more external, though not our internal ones.
[00:18:31.410]Kristy Saunders: A leadership financial need any sort of financial need based scholarship is based completely on the fafsa.
[00:18:37.890]Kristy Saunders: And also, there are more opportunities to apply for scholarships later, so I will chat about that as well.
[00:18:43.590]Kristy Saunders: And then, of course, grants, these are all determined by the fafsa so federal grants like federal pell grant.
[00:18:49.410]Kristy Saunders: Or the supplementary educational opportunity grant state and university funds, most of these are also determined by the fafsa, so it is a wonderful opportunity is to make sure you're crossing all your t's and dotting all your eyes for all options.
[00:19:06.270]Kristy Saunders: And then, of course, federal work studies so For those of you who don't know what this is this is basically a federally sponsored job, while you are in.
[00:19:14.640]Kristy Saunders: school and so you guys she can work at the school, while you're enrolled in school, and the reason why this is such a cool program is that one.
[00:19:22.950]Kristy Saunders: It actually does show up as an award on your my read so.
[00:19:26.370]Kristy Saunders: When you're looking at your award if you already have a federal work, study award out there just know that you do need to still apply for a job and be hired and work hours in order to earn those funds.
[00:19:37.380]Kristy Saunders: So if you are using it for budgeting just know it does not disperse to your bills so much as that is how much you can get paid over the course of the year for hours worked.
[00:19:46.260]Kristy Saunders: So I always tell people when you have that award out there use that for that personal expenses line that I was talking about earlier, so you can.
[00:19:54.060]Kristy Saunders: use that as your fun money you can use that, for your gas money but don't or even for your bill, but it is paid by bi weekly like any other job.
[00:20:03.540]Kristy Saunders: And what makes us so amazing is that, basically, in order for you to be a federal work, study student.
[00:20:09.300]Kristy Saunders: You need to be a student, you need to be a successful student, which means that your boss is basically partnered with you in your success.
[00:20:16.260]Kristy Saunders: So, unlike you might find jobs off campus that may not be as flexible with you for your classes, or for your studies.
[00:20:23.310]Kristy Saunders: federal work, study positions, it is in our best interest as employers to say.
[00:20:27.270]Kristy Saunders: If you have finals week and you need to study for that test, you should take off that shift to study for that test, because you doing well means I can keep you for longer, so it is a mutually beneficial program and it's and also you can work within your department very great.
[00:20:45.210]Kristy Saunders: So the other thing that you could be eligible for a student in parent loans so for the students on the call, there are two different types of loans, you could be eligible for after find the fafsa that is subsidized and unsubsidized loans so.
[00:20:58.050]Kristy Saunders: i'm sure that most students that are on this call, probably have never taken out alone before so i'll explain what these two words mean because they sound a lot scarier than they are.
[00:21:06.480]Kristy Saunders: subsidized loans means that they do not accrue interest, while you are in school so as long as you're enrolled half time and you're attending school, it will not accrue interest and.
[00:21:17.700]Kristy Saunders: You don't have to make any payments towards it unsubsidized means it does accrue interest, while you're in school.
[00:21:24.690]Kristy Saunders: However, you still do not need to make payments on these loans until six months after you graduate or after you are enrolled in less than half time.
[00:21:33.330]Kristy Saunders: So I will tell you right now that if you have loans or anywhere in in your mind's eye for paying for college.
[00:21:40.710]Kristy Saunders: always start with student loans, because they have a probably one of the lowest interest rates, you can find for student loans.
[00:21:46.830]Kristy Saunders: And also, frankly, are much kinder than a lot of alternative external loans, you may find so if you go through.
[00:21:54.960]Kristy Saunders: Other external sites they may have higher interest rates and may not have is quite a friendly of repayment plans so it's always good to start with us first and then move into alternative if you need it.
[00:22:05.220]Kristy Saunders: Another loan option, this is for the parents on the call is the parent plus loan.
[00:22:09.690]Kristy Saunders: Now, you may actually see this under students award if you already have an award letter out there just know that is just to let you know how much you could take out if you want to help your students.
[00:22:19.470]Kristy Saunders: paid their educational expenses by no means is it an expectation, so the parent plus loan does involve a separate application and a credit check in order to.
[00:22:30.090]Kristy Saunders: receive those funds and you do that through the same website that you would follow the fafsa so that student aid.gov.
[00:22:36.420]Kristy Saunders: And so I know some parents get really nervous when they see that parent plus loan out there, like my kid can't accept that on my behalf right and no.
[00:22:43.890]Kristy Saunders: We would never let that happen to you, I promise so basically, you can see that amount, and you can you can borrow up to that amount, so you could borrow.
[00:22:52.380]Kristy Saunders: $1,000 of that or you could borrow the full amount that you see on there, so it is just up to you and your budgeting, but if you ever wondering if you need it.
[00:23:00.930]Kristy Saunders: Or how much you might need or how to apply for it, we can also help you with that as well, and you can always call us and we can walk you through that.
[00:23:10.740]Kristy Saunders: So, like I said before, these loan details subsidized means interest later, so it does not accrue interest until after you're not enrolled.
[00:23:18.090]Kristy Saunders: unsubsidized means there's interest now, so the student is the borrower so for the students on the call you may your parents may be kind and say we will help you, with your loans.
[00:23:28.350]Kristy Saunders: But no matter what those loans are in your name and so therefore it's important that you are aware of the repayment periods, and when you enter repayment so you don't have any negative outcomes.
[00:23:38.280]Kristy Saunders: and eligibility is determined by the fafsa about whether or not you will have subsidized and unsubsidized.
[00:23:44.100]Kristy Saunders: However, for a first year student that's that is considered dependent on the fafsa you're typically going to be eligible for about 50 $500 in loans for your first year.
[00:23:54.750]Kristy Saunders: Your repayment regardless, if you have the subsidized and unsubsidized or six months after graduation, or if you enroll in less than six credit hours.
[00:24:02.850]Kristy Saunders: And even if you accept those loans in your buyer I just know there's two other checklist items that will pop up for you that you do need to do in order for that to disperse, and that is called.
[00:24:12.300]Kristy Saunders: The master promissory note and the entrance loan counseling and you can complete these at student loans.
[00:24:18.570]Kristy Saunders: Or at the parent websites student aid.gov and if these are not completed, they cannot disperse which means they won't pay towards your bill so it's very important you do them, I will say it takes about 20 minutes for each of them.
[00:24:31.740]Kristy Saunders: The master promissory note is basically just you going through and basically saying you understand that this is money that you will need to repay in the future.
[00:24:40.020]Kristy Saunders: While the entrance long counseling walks you through all of this, all of the ideas of alone, such as what's an interest rate, how to know how much will be repaying how to borrow.
[00:24:49.800]Kristy Saunders: safely and effectively and it gives you all the information you may need to be in educated borrower so I always tell students at the entrance counseling Take your time with that one because there's a lot of really good info in there.
[00:25:04.650]Kristy Saunders: So for parents like I said the eligibility is determined by the fafsa as well, so, even though there is a separate application your student does need to file a fafsa in order to be eligible to.
[00:25:16.290]Kristy Saunders: to actually get that plus loan parents, you are the borrower is in your name, so you can have your own verbal contract with your student by saying.
[00:25:24.630]Kristy Saunders: Yes, i'll borrow $3,000 to help you out this year, but I do want you to pay that back you can absolutely do that, but just know that legally, it will always be in the parents name and cannot be transferred.
[00:25:35.970]Kristy Saunders: So that separate application like I said, can be done a student loans.gov or the parent websites do a.gov.
[00:25:42.450]Kristy Saunders: And you also have a master promissory note that is required, and you fill it out in that same spot and that one's really quick same thing it's just basically saying I understand I will have to pay this back.
[00:25:52.770]Kristy Saunders: And if you're hoping to do the parent plus loan to help with your first bill due date which is Sep tember 12.
[00:25:58.560]Kristy Saunders: I always suggest beginning the process, probably now, if not beginning of August, just to make sure that you have plenty of time for that to be dispersed and on your award without having to stress last minute because that can always be a very stressful process.
[00:26:15.630]Kristy Saunders: So, and I know the dates are old and I deeply apologize, I promise you it's not a time machine, it is fall 2021.
[00:26:24.300]Kristy Saunders: But the this will the disbursement of your federal aid or any of the agc on your financial aid award that is usually dispersed about a week before classes start so since classes start, I believe.
[00:26:38.820]Kristy Saunders: August 23 it will probably disperse that week of the 16th as long as you have all of the necessary documents in so that includes that entrance counseling master promissory note and any of those verification documents.
[00:26:53.880]Kristy Saunders: And the first bills actually do in September 12 so just know that.
[00:26:58.680]Kristy Saunders: Over the next couple weeks you're going to start being able to view some bill items so, for instance, or next couple weeks here you bill to see how much the charge for tuition is and fees.
[00:27:08.970]Kristy Saunders: And then on August 25 you'll get the full bill, which is this is how much it is with housing and tuition fees and it just say you had any charges, however it's not due until Sep tember 12th so that gives you some breathing room there.
[00:27:23.370]Kristy Saunders: In the spring, it is a very similar process, the first bill will be doing until February 12 and same thing you're eight will be dispersed about a week prior if just say you have enough aid enough of scholarship and.
[00:27:37.950]Kristy Saunders: federal aid funds that actually exceed the cost of your bill, then you actually will be refunded that money, so you will have the difference refunded and that usually takes about a week or two, for it to be.
[00:27:50.400]Kristy Saunders: deposited to you if you want to get it in the fastest way possible students sign up for direct deposit in my read that is the quickest way for you to get your funds if you're going to get a refund.
[00:28:01.950]Kristy Saunders: If you don't, we have to mail you a check and I don't know the last time any of y'all have actually had a check in your hand, so I know I haven't so sign up for direct deposit so we can get it to you quick.
[00:28:16.740]Kristy Saunders: So next year's fafsa so same thing I apologize, the dates are for last year, but it opens October 1 every year, so.
[00:28:25.860]Kristy Saunders: You will actually be I always tell students, the minute you start thinking about Halloween costumes or seeing Halloween costumes and like target it's probably time to fire fafsa.
[00:28:35.070]Kristy Saunders: So you do find your fafsa every single year, so, even if you are all through this process, and you have your award letter and you're like i'm ready, like everything you're saying I did it.
[00:28:44.910]Kristy Saunders: Just know we're only a few months away for getting ready for next year, so once it hits October feel free to make an appointment with us and we will definitely get you ready to go for the following year.
[00:28:58.470]Kristy Saunders: So, like I said, there are other opportunities for you to actually apply for scholarships.
[00:29:02.550]Kristy Saunders: And the scholarship application is due February 1 and it opens up in your my red in November so right around November.
[00:29:10.650]Kristy Saunders: In your my red you're going to get this banner that says scholarship application for continuing students do it all set a lot nicer than that.
[00:29:17.610]Kristy Saunders: But I strongly recommend that every student fill this out this basically puts you in the running for a variety of different scholarships for continuing students.
[00:29:26.130]Kristy Saunders: And a lot of these are actually through your department, so if you are in specific majors and you are.
[00:29:32.730]Kristy Saunders: Kicking butt within said major they actually might be able to get you your own merit based and academic scholarships through their own department through this application so definitely watch for that and make sure you get that done by February 1.
[00:29:49.350]Kristy Saunders: and of the slides all of it, what I will say is that we are open from eight to 5pm at actually canfield administration building.
[00:29:59.430]Kristy Saunders: And you can get in touch with us, either through the phone call at 4722030 or it husker hub at you and l.edu.
[00:30:09.210]Kristy Saunders: And we also do have virtual appointments now so if you ever want to just drop in with us and you actually can just meet with us through zoom and if you go to our website there's just as virtual visits you click on it, it takes you directly to.
[00:30:25.080]Kristy Saunders: directly to our virtual queue and you can actually just sit in line for a couple minutes and meet with a full time specialist through zoom at home so.
[00:30:34.770]Kristy Saunders: A lot of students say like I love being able to ask questions from my residence hall in my pjs and they don't have to leave at all, especially when it hits winter so definitely take advantage of that every time you can.
[00:30:51.000]Kristy Saunders: OK, so now, I will be talking about student account side of things so basically understanding the consolidate student bill, because you will be starting to get some information on this.
[00:31:03.990]Kristy Saunders: So you will get an email that will say your monthly consolidated bill is.
[00:31:10.500]Kristy Saunders: is complete and for you to take a look at so a couple of things to know of what will be on that bill, so one we tuition and fees, so you will get your first consolidated bill full consolidated bill on August 25.
[00:31:22.590]Kristy Saunders: And those are assessed per credit hour.
[00:31:25.680]Kristy Saunders: So as you're adding and dropping classes just know that if you ever add a class after this point, you will see the tuition and fees show up on your bill again disobey specific hey, by the way, remember you out of that five credit class here it is.
[00:31:39.090]Kristy Saunders: Also, a housing, so if you are going to be living on campus housing.
[00:31:43.980]Kristy Saunders: You will actually then see a line for housing it's not broken up between housing and meal plan it's all one lump sum.
[00:31:50.370]Kristy Saunders: So, depending on which residence hall you choose as well as what meal plan you choose, you will see the line amount there for you, for the Semester amount of on the 25th.
[00:32:02.160]Kristy Saunders: Any end card purchases, so the end card for a the parents on the call who are not aware of this, you actually can use your end card as.
[00:32:10.620]Kristy Saunders: Like a pseudo debit card, where you can actually make charges to set and card, up to a certain amount of money per month.
[00:32:18.900]Kristy Saunders: Now I will say that it goes directly to your bill that you pay off later, so a lot of students will sometimes not pay attention and just use it for a bunch of stuff so make sure you are aware of what you're using it for.
[00:32:31.050]Kristy Saunders: One that's really common is bookstore so you can actually use your end card for textbooks and supplies, because the bookstore is lovely and they have a whole lot of information and a lot of supplies for you.
[00:32:42.420]Kristy Saunders: But also, you can use it for food establishment, so you can use it for, for instance, like we have valentino's in the Union, so you can technically use your end card there as well.
[00:32:51.720]Kristy Saunders: For those of you who may know this there actually is something called dining dollars through housing as well, which allows you to use your meal plan for an aspect of your meal plan to pay for some of these food establishments across campus.
[00:33:03.900]Kristy Saunders: This is not used with your end card So if you want to use dining dollars do not swipe that and card use the APP for dining dollars.
[00:33:13.380]Kristy Saunders: Because we've had students, unfortunately, think it's the end card and they end up not using what they already paid for so.
[00:33:20.160]Kristy Saunders: Make sure that you are not using the end card for food establishments, if you have dining dollars so printing services and parking permit and citations.
[00:33:29.400]Kristy Saunders: Also, can come up on as an end card charge athletic tickets if you're buying season tickets that will also show up and if you're getting any sort of phone plan, through you, and L or, of course, our insurance those will also show up.
[00:33:43.260]Kristy Saunders: You also will see scholarships and financial aid, so this will show up as basically something that's coming off of your bills so sometimes folks would be like, why are you charging me for my loan and now.
[00:33:53.160]Kristy Saunders: It shows up basically saying here's all your charges here's what's coming off of it yay so you actually only have this much.
[00:33:59.970]Kristy Saunders: So it also will show things like external scholarships, or if you're receiving military funding of any kind, or just any reason there are 529 plan those all will show up as well.
[00:34:10.200]Kristy Saunders: And then, at the very bottom, it will show you how much you owe or what we like to see how much will be refunded, and so it will actually show you how much will be refunded and direct deposited if you've enrolled.
[00:34:29.250]Kristy Saunders: So, like I said, this will be available on the 25th of each month, so just know they will be sent to your huskers email the 25th of each month, so that way if you've made any charges in between the billing cycles, you will see those come through.
[00:34:44.820]Kristy Saunders: They also will be a lot, they also be available electronically and or my read.
[00:34:48.810]Kristy Saunders: So when you go into your my right to look at your bill, I always tell students go to the student accounts tab and actually click on your consolidate a bill for the more detailed version.
[00:34:59.070]Kristy Saunders: In your mind right, it will give you like the overview like hey you owe $100.
[00:35:03.600]Kristy Saunders: However, that is just the total balance it doesn't necessarily say exactly what it is do.
[00:35:08.760]Kristy Saunders: Well, if you go to the student accounts tab it will show you exactly what is due by what time and also give you an idea of where this charge came from, so I don't know about y'all but I like to i'm a very detail oriented person, so I like to know that stuff.
[00:35:23.970]Kristy Saunders: Your bill can be accessed at anytime 24 seven So even if just say you work all the time, like I did in college, you can look at it at midnight, if you want you to not necessarily need to wait for our operating hours.
[00:35:35.790]Kristy Saunders: The student access is through my read and parents, you can also be granted access to pay as an authorized payer for the bill, and also to view said bill so.
[00:35:45.060]Kristy Saunders: You will not get the bill notification through your email, but you can see it through your my red poor portal access as well.
[00:35:52.290]Kristy Saunders: The due date is always the 12th so just remember the 12th of each month, that is a bill due date so any charges that were assessed that prior month will be due on the 12th of the next, so it should never come as a surprise you won't like you know.
[00:36:06.870]Kristy Saunders: make it a different day on you one time always the 12th of each month.
[00:36:10.680]Kristy Saunders: And it just say you're not able to make a payment just know that that's when late fees can be applied, you might also get a hold on your registration menu and can't register for future semesters until that bill is paid.
[00:36:21.990]Kristy Saunders: And at more extreme circumstances you've been can lose the ability to use your end card for charges so if at any point you don't think that you're going to be able to make a payment.
[00:36:32.700]Kristy Saunders: Come chat with us like absolutely we can talk you, through your options and see if there's anything we can do to avoid those sanctions and those kind of bad things that could happen without paying.
[00:36:48.150]Kristy Saunders: So for online payment options students, you can just pay through Iran, I will say that.
[00:36:54.360]Kristy Saunders: The the best way to do it through an online check which is basically just your your account number and your routing number, because that is free there's no associated fees with it.
[00:37:04.440]Kristy Saunders: And it just basically pulls it directly out of your account you also can use a credit card.
[00:37:09.030]Kristy Saunders: or debit card, but I would say, I would say, avoid that if you can because there is a convenience fee that's applied and it's a percentage of the total amount you're going to charge so.
[00:37:19.050]Kristy Saunders: If you can use an online check, please do so, it will it will save you some money.
[00:37:24.060]Kristy Saunders: And of course foreign currency payments so of just say you you or your family has your banking or else you actually live in a different country we absolutely can do a foreign currency payment as well.
[00:37:36.150]Kristy Saunders: Some other payment options, you can mail in a personal check, you can use a 529 plan, if you work with your 529 plan provider they actually can send us.
[00:37:45.120]Kristy Saunders: The funds, once they have an invoice to work off of which, in this case would be available August 25.
[00:37:51.030]Kristy Saunders: You can do a money order or cashier's check, please, please do not pay via cash.
[00:37:56.580]Kristy Saunders: We, we have a husker hub do not accept cash payments, there is an office that can but is not safe to carry that much cash on you, while nebraska is a very safe place we just don't want you to be in that position, so if possible use other forms prior to cash.
[00:38:13.500]Kristy Saunders: If you are going to be using a check of any kind, just make sure you put.
[00:38:16.950]Kristy Saunders: Your new ID in the students name on all payments so for the parents, make sure you know your students and your ID as well we've received checks that unfortunately did not have the students information on it and so.
[00:38:28.380]Kristy Saunders: We weren't able to apply it so definitely make sure that that information is on there.
[00:38:36.750]Kristy Saunders: And now just say you know the bill is coming and you're like Okay, we we haven't we have an idea of how to pay it, but we want to not have to pay it all in one lump sum.
[00:38:47.400]Kristy Saunders: We do something called the hustler payment plan, and so this allows you to split up your consultant consultant bill, the first one that is doing September 12.
[00:38:55.920]Kristy Saunders: between three payments, rather than just one, and so, for the fall, you can split it between a third of it paid on September 12.
[00:39:04.380]Kristy Saunders: A third paid and October 12 and then another third paid on November 12 So if you were interested in doing this, the sign up for this is actually between August 25 and the bill due date of Sep tember 12th.
[00:39:17.280]Kristy Saunders: So just so you know if it's after September 12 this husker payment plan is no longer able to be entered into so it's very important that, if you do want to go into this payment plan you do so within that time period.
[00:39:30.090]Kristy Saunders: same thing goes for spring you do need to sign up for the payment plan each semester in which you wish to use it so same thing for the spring semester.
[00:39:37.860]Kristy Saunders: splits it up into three payments and you sign up between January 25 in February 12 and just so you know the there is a $20 term fee.
[00:39:46.890]Kristy Saunders: Whatever time you access it or I mean sign up for it and that's because it is a third party vendor that does the husker payment plan it's now net and so that's basically the cost for them to be the servicer.
[00:40:01.020]Kristy Saunders: So there are, this is our quick checklist that we tell people to do, I will say, if you take anything away from this from my section.
[00:40:08.880]Kristy Saunders: Do the fafsa and sign up for direct deposit Those are the two things that i'll say, are the most important things for students to do.
[00:40:17.220]Kristy Saunders: For for parents of the call poke your students, as they make me an authorized pair get the guest access so that way you can also help.
[00:40:25.200]Kristy Saunders: navigate any bills that are coming up and just kind of help them through that process.
[00:40:30.240]Kristy Saunders: Also, discuss and card usage and what you plan to use it for I will say that well, a lot of students do use it for the bookstore.
[00:40:37.050]Kristy Saunders: There are a lot of different areas to buy books, and so I always tell people do your research and look up your books in multiple spots, you might be able to find it for cheaper elsewhere.
[00:40:46.290]Kristy Saunders: So, while the end card is very convenient always just kind of look around first.
[00:40:51.930]Kristy Saunders: And then verify your contact information in my read his current because that's how we call you just as any issues with your bill, or if we just want to make sure that everything is.
[00:41:01.230]Kristy Saunders: Good to go for your financial aid, we will use your mind right information for that.
[00:41:06.030]Kristy Saunders: And, of course, if there's any sort of questions the website has a lot of fantastic information and tutorials as student accounts that you and i'll dot EDU and, of course, our website husker have that you and al.edu.
[00:41:22.620]Rachel Lindhart: Fantastic christy Thank you so much.
[00:41:24.810]Rachel Lindhart: From here we're going to hear from a couple different resources on campus that provides support for students money management so.
[00:41:30.690]Rachel Lindhart: we're going to first start with megan about all of her services.
[00:41:36.180]Megan Patel: So Hello again everyone again i'm megan and with big red recently and well being and within the office, one of the programs that we have a student money management.
[00:41:45.510]Megan Patel: So on the next slide you'll see one of our main services, but we have through student money management.
[00:41:52.350]Megan Patel: So we have what's called money coaching, which is an opportunity for a student to meet one on one with either appear money coach or a staff money coach.
[00:42:00.540]Megan Patel: And really just talk about what questions and concerns they have in regards to their finances.
[00:42:06.270]Megan Patel: And this is always a free service they can make as many appointments as they need, they can work with the same money coach they can work with different many coaches.
[00:42:14.460]Megan Patel: And so, really, easy to pick who they think would work best with them, we have all of the money coaches biographies on our website.
[00:42:22.500]Megan Patel: And we also use a system called my plan which your student will get very familiar with.
[00:42:27.420]Megan Patel: And it's also the same system that they would schedule an appointment with their academic advisor on so they can also see the bios of our money coaches on that system as well.
[00:42:37.530]Megan Patel: And we do have it available still through zoom or in person as well, so either option is available to your students and then on the next slide here we have.
[00:42:47.790]Megan Patel: Some topics that we can talk about during these money coaching sessions so you'll see a lot of different areas that we can discuss with.
[00:42:55.800]Megan Patel: A student one thing you won't see on here is we don't help them file their taxes there's another office.
[00:43:03.270]Megan Patel: In a provider called vita that can help them file their taxes, if they need help.
[00:43:07.740]Megan Patel: And, but we can talk about a lot of different things like budgeting is a super common one learning about credit credit scores and credit card.
[00:43:15.900]Megan Patel: debt repayment big purchases anything like that so Those are just a sampling of things that you're shooting it can chat with us about.
[00:43:24.390]Megan Patel: And the next slide gives kind of an overview of what a session would be like so again, they can schedule their session on my plan pick out their coach pick out their day in time.
[00:43:33.630]Megan Patel: they'll select if they want to work with them on zoom or in person, and then they really just going to have an open session, where they can talk about questions that they have.
[00:43:42.420]Megan Patel: There is no specific you know set questions that we go through it's really tailored to each individual student and what they are working with with their financial situation.
[00:43:51.870]Megan Patel: And since can share as much or as little information about their finances as they would like some students want to get really specific with their numbers and their budget.
[00:44:00.780]Megan Patel: Other students just want to talk more broadly so totally up to the student how much they want to share and then another service that we offer through big red resilience and well being is our husker pinterest.
[00:44:14.610]Megan Patel: So this slides a little bit older we we had been doing online ordering with curbside pickup and we just recently transition facts and person shopping, which is really exciting so basically.
[00:44:25.380]Megan Patel: husker imagery is a food pantry for students, so we have free food hygiene items and school supplies for any student that's in need of a little extra support.
[00:44:34.620]Megan Patel: And really easy to use just pop in show your ID card and then take whatever you need so more information on that on our website patreon dot you and l.edu.
[00:44:44.610]Megan Patel: We also are opening a second location on East campus so there'll be one husker pantry on each campus so students can just use whichever location is easiest for him so that's a little bit about our services but feel free to reach out if you want more information or check out our websites.
[00:45:04.680]Rachel Lindhart: again.
[00:45:05.010]Rachel Lindhart: Alright, last but not least, i'm going to invite Patrick to share a little bit about Union bank and trust.
[00:45:14.250]Patrick Reese: hi good morning everyone So yes, my name is Patrick.
[00:45:17.190]Patrick Reese: reese like I said earlier, i'm the branch manager here at Union bank and like I said earlier, we are the official bank here on campus we have a branch that's located here.
[00:45:27.330]Patrick Reese: On campus on the main city campus inside the student Union so we'll just kind of go through, just a few different things here.
[00:45:36.480]Patrick Reese: yep so we're the exclusive bank on campus and we are full service, so we don't just do just transactions and just checking accounts and debit cards, I mean.
[00:45:46.920]Patrick Reese: Full service banking, whatever your student needs while they're here on campus we're here to help with them, and on top of all the other educational.
[00:45:55.680]Patrick Reese: Resources that your student will have here on campus we are another educational resource for students needs as far as helping them understand.
[00:46:06.810]Patrick Reese: You know checking accounts how that'll work, as well as we can dive into credit as well, too, and how that all works as well to.
[00:46:14.670]Patrick Reese: One thing that's really kind of neat about Union bank is we are a very big Community bank that that's care so much about giving back to the Community.
[00:46:24.300]Patrick Reese: Specifically here at the university we partner with a lot of different university organizations plebs Greek life and we provide a lot of different types of monetary donations.
[00:46:38.880]Patrick Reese: And, and things just to be really involved with the organizations and everything here on campus so up to around $30,000 donated student organizations annually.
[00:46:55.770]Patrick Reese: So we are open Monday through Friday 830 to five we're in the located on the Northern end of the student union and the nice thing is is, we have our staff members here are or has been ul students.
[00:47:11.250]Patrick Reese: And we also have a lot of multilingual staff here as well, so they understand the life of your student because they're currently living it or there they have lived it.
[00:47:22.170]Patrick Reese: And so they're here to help out as much as we can, we do have 10 eight teams that are scattered across both city and East campuses.
[00:47:32.520]Patrick Reese: But we also have 16 branches located in Lincoln and we have ATMs scattered all throughout the city of Lincoln so it's kind of almost impossible to go anywhere in Lincoln and not find a Union bank.
[00:47:45.570]Patrick Reese: we're we're kind of all over the place, really nice feature that we have here is, we do have the ability to make debit cards on site here at the branch.
[00:47:55.620]Patrick Reese: So, if your student loses a debit card say Friday night or over the weekend, they come in Monday morning, they need that debit card, we can make them, for we can make that debit card for them only takes about.
[00:48:05.820]Patrick Reese: Two minutes or so so it's pretty easy, we do also have a website that's exclusive for you and our students parents faculty and staff up t.com slash you well.
[00:48:16.980]Patrick Reese: So on that has all the information about the accounts that we offer, as well as they can open up the account through the website, as well as here in person to.
[00:48:27.000]Patrick Reese: At the branch and throughout the year, we have a variety of different engagement activities.
[00:48:33.840]Patrick Reese: every once in a while your student might see us have a booth set up right outside the branch will be giving away some sort of prize.
[00:48:41.670]Patrick Reese: Or we might be giving away food or we might have something on our instagram one promotion, we ran last semester was a digital gift card for starbucks.
[00:48:54.630]Patrick Reese: put some money on that and whoever used it first got you know starbucks on the Bank, so a lot of different activities we're very, very involved with the student population here on campus.
[00:49:10.080]Patrick Reese: So the big question is why, why should your student bank with with us on campus well, the first thing is, we do have a very dedicated.
[00:49:18.810]Patrick Reese: Account specifically for you and i'll students made for you and i'll students designed by you and i'll students.
[00:49:25.350]Patrick Reese: they're a bunch of different account features $50 upon opening up the account, and there are no minimum balances and no monthly maintenance fees, with the account so it's a very, very free account very simple to have.
[00:49:38.730]Patrick Reese: very convenient, since we are located here on campus and kind of the big one that I say, as far as.
[00:49:45.030]Patrick Reese: One of the main reasons, is it avoids the ATM fees since Union bank has a lot of ATMs on campus.
[00:49:53.520]Patrick Reese: If you use a foreign bank ATM there are fees a foreign bank card, there are fees associated with that so having a debit card with Union bank.
[00:50:02.610]Patrick Reese: avoids those ATM fees and we want to help your student avoid those fees and like I said we don't have a monthly service fee, we have debit card printing.
[00:50:11.130]Patrick Reese: The cash option bonus when they open an account that's the $50 that I mentioned, and then, if they do miss our that they do misplace their debit card through our APP you can actually go in and shut off the debit card.
[00:50:24.090]Patrick Reese: And if they find that again they can go back in the APP and turn that debit card back on so kind of a nice feature to have with the debit card there.
[00:50:36.390]Patrick Reese: Now, another one of the other big questions that we get all the time from parents is, how can I get my student money into this account.
[00:50:44.340]Patrick Reese: We have a bunch of different options when it comes to parents getting money into their child's account.
[00:50:51.030]Patrick Reese: We actually have whenever a student opens up an account, we have this really nice handout that we hand to the student and the parents and the kind of goes through a little bit more in detail of kind of what's on the slide here.
[00:51:02.820]Patrick Reese: But if you can set up a free express scheduled transfer through your bank that would be an option to person to person payments services, so we partner with zell.
[00:51:13.260]Patrick Reese: So that's one way, you can do that if you have an account internally here at Union bank, we can do an account account transfer.
[00:51:21.720]Patrick Reese: If you're on the account with your student, you can download the APP and you can make a mobile deposit through the APP by writing a check and everything and then the other option is you can always do wires.
[00:51:33.600]Patrick Reese: I would try and do the other services, first because those are free, the wires that they do cost a little bit of money and we kind of want to help you avoid.
[00:51:44.040]Patrick Reese: paying for getting money into your students account.
[00:51:49.530]Patrick Reese: So we have a lot of different other account services and features savings accounts, we offer here.
[00:51:55.920]Patrick Reese: For you, and our students are UV to go electronic banking tool that's our mobile APP we actually have a 4.9 star.
[00:52:03.810]Patrick Reese: rating on the APP store for our APP and with that you know mobile check deposit the debit card controls the biometric authentication which is really nice so whether that's the fingerprint authentication or the face ID authentication.
[00:52:21.090]Patrick Reese: To get into the APP you can also take a look at your balance pretty quickly.
[00:52:25.650]Patrick Reese: One of the other features that's really nice and kind of popular is the alerts, you can set up different types of alerts where it can eat will either send you a text message or an email or both.
[00:52:36.870]Patrick Reese: When it comes to certain things like you overdraw you or towns or transaction came out or a deposit came in, or if there's a lot of different ways, you can set that up.
[00:52:47.340]Patrick Reese: bill pay is another great option to in order to set up, you know reoccurring bills, so that could be like a phone bill or something like that.
[00:52:56.790]Patrick Reese: You know if your student is paying something regularly that's a really nice feature and it's free and then the person to person payment tool that's that's zell, as I mentioned before, so we partner with there, so a lot of great things that come with having an accountant Union bank.
[00:53:16.380]Patrick Reese: Why, thank you for all that and i'll turn that back over.
[00:53:20.490]Rachel Lindhart: To Patrick alright, we have a few frequently asked questions here, I will put out a call for any questions that might not have been addressed, yet um send those through the Q amp a and we will get to them in just a minute.
[00:53:33.660]Rachel Lindhart: But before that we'll talk through a couple frequently asked questions and I actually i'm gonna pass it over to Joe quickly to share X, I know he has to head off, and I want to be mindful of time here so Joe glad and i'm trying to see if where your slide falls here.
[00:53:54.780]Joe Brownell: It should be right after.
[00:53:57.570]Joe Brownell: Union bank, it was in there.
[00:53:59.100]Rachel Lindhart: Put to okay.
[00:54:01.350]Rachel Lindhart: sorry about that are you comfortable just speaking off the.
[00:54:03.630]Rachel Lindhart: cuff here.
[00:54:04.260]Joe Brownell: yeah all right good actor good good morning again just real quick, I want to talk about the education benefits.
[00:54:11.910]Joe Brownell: So all va benefits or certified through the military and veteran success Center So if you are planning to use va benefits.
[00:54:21.270]Joe Brownell: to attend school, you know now you'll need to come through the Center the big thing is making sure you have your certificate of eligibility.
[00:54:29.220]Joe Brownell: Or at least requested a certificate of eligibility and then the second thing is that we cannot certify.
[00:54:36.600]Joe Brownell: A student until they're registered for classes so once the students register for classes they'll, let us know that they want to use education benefits and then will certify with the Ba normally.
[00:54:49.320]Joe Brownell: For the tuition part of that is the the payment goes directly to the university so university will build a BA.
[00:54:56.880]Joe Brownell: And then, this the student will actually get a monthly stipend and then usually a book cycling is the other thing that goes and that's in coordination with the va so whatever direct deposit you set up with the va that's where that part of the funding will go.
[00:55:14.160]Joe Brownell: We also do have be a work, study, so if a if a student is using.
[00:55:19.920]Joe Brownell: Education benefits they comply for va work studying very similar to what Christie talked about with the the federal work, study program and that.
[00:55:28.740]Joe Brownell: it's key that we want to see you be successful with your academic endeavors and so we're going to give you the time you need to make sure that you're successful academically so it's a very.
[00:55:41.220]Joe Brownell: We will work with you on your schedule if that's something that you're also interested in.
[00:55:46.800]Joe Brownell: I think that pretty much hits my items Rachel but, again, just as a reminder, if you do plan to use education benefits.
[00:55:55.050]Joe Brownell: Please come see us in the Center and actually I did think of one last thing if there's a student that is using tuition assistance, either through the National Guard or through the military in general ag Andrea Schwartz and student accounts is the.
[00:56:12.750]Joe Brownell: main PLC for that we can also help you with applying for that and making sure you're aware the nebraska National Guard website and the Federal.
[00:56:21.870]Joe Brownell: tuition assistance website as well, so if you have a military benefit or military ta that you're planning to use please come see us at the Center and again we're located in the basement of the student Union thanks Rachel.
[00:56:36.600]Rachel Lindhart: Thanks so much john.
[00:56:39.840]Rachel Lindhart: All right, I think let's see, we have a couple of I think he's here, so the first for christy where can I send an external scholarship.
[00:56:48.690]Kristy Saunders: Yes, so if you have an external scholarship there's just a couple of steps you have to take in order to make sure that it gets to us.
[00:56:55.980]Kristy Saunders: So number one you're going to want to report your external scholarship through your my red.
[00:57:00.270]Kristy Saunders: And so, in your mind you actually will have is a link that you just put in how much it should be for where it's coming from.
[00:57:07.140]Kristy Saunders: And, and so that way, we can put an estimate out there on your award letter, so we are expecting to to get that check.
[00:57:14.730]Kristy Saunders: there's also the extra scholarship declaration form, and you can find that, through your mindset as well, so on our website actually if you go to husker hub that you and l.edu.
[00:57:24.900]Kristy Saunders: Basically, there is an A drop down for scholarships, we have all the steps laid out for you and you can just click each link, as you go make it super simple.
[00:57:34.230]Kristy Saunders: And then, once you have that check you just want to send the check.
[00:57:37.290]Kristy Saunders: To our P O box and so that is actually the bottom of our website as well, so don't frantically take a picture of this, I promise you it's it's everywhere.
[00:57:45.390]Kristy Saunders: But you send that to our P O box or you can just stop by in person, if you were in Lincoln and we can take it in person as well, to make sure that those funds get to you.
[00:57:59.220]Kristy Saunders: Okay, so this one's also for me so.
[00:58:02.610]Kristy Saunders: requested documents so let's just say that, in your my read you see.
[00:58:06.720]Kristy Saunders: that you have a to do list, and there are a couple of documents need to complete for your financial aid or what have you.
[00:58:13.560]Kristy Saunders: Just so you know you actually can upload these through your my read, so that is the quickest and most secure way for us to get this information.
[00:58:22.770]Kristy Saunders: So it just say we're asking for your tax return or a document that has your social security number on it.
[00:58:29.730]Kristy Saunders: Please do not email these all it takes is a singular typo from somebody who accidentally says like.
[00:58:35.580]Kristy Saunders: husker who at you and l.edu and then your information, just goes out to the ether, and we don't know where it goes so that's why we highly recommend either coming by in person and giving it to us.
[00:58:47.040]Kristy Saunders: or just uploading it something that's new this year that's fantastic is that now parents and guests can actually upload documents as well, so it's, not just on the student to do this.
[00:58:57.960]Kristy Saunders: So if you as the parent have guest access or anyone else in your life has guest access, you can actually go in there and uploading these requested documents as well, so let's just say mom's the only Member the scanner.
[00:59:09.540]Kristy Saunders: Great mom can upload it for you no problem whatsoever, and so you can just go to the to do list click on the document, and it will say upload you can just put it in there.
[00:59:21.810]Kristy Saunders: And so.
[00:59:24.510]Kristy Saunders: Luckily, this is not quite as relevant anymore, which I think we all can be like but let's just say a lot of folks might still.
[00:59:33.300]Kristy Saunders: be a little bit worried about coven and I absolutely understand and i'm glad if you are.
[00:59:39.000]Kristy Saunders: If just say you're still practicing social distancing or if you're still plan to attend primarily remotely due to.
[00:59:45.870]Kristy Saunders: possibly having folks in your life that are at risk for coven we do have zoom and phone appointment, so you can still absolutely meet with us.
[00:59:54.960]Kristy Saunders: Distance so you don't have to be in our space, I will say during the fall we do get a lot of traffic, and so we will have a lot of people in our space, so if you're somebody who does not want to put themselves in that circumstance.
[01:00:07.500]Kristy Saunders: The virtual queue is a wonderful resource for that, so you can actually join the virtual queue.
[01:00:12.510]Kristy Saunders: You were absolutely guaranteed to work with a full time specialist not a peer specialist so you will not be at any disadvantage if you decide to talk to us remotely or in person.
[01:00:24.450]Kristy Saunders: So if and same thing for families, so if your family wants to join you on a zoom call they can do so as well.
[01:00:35.430]Kristy Saunders: and
[01:00:35.970]Rachel Lindhart: Thank you so much alright, that concludes our formal presentation so i'm going to open it up, we have a couple minutes left that we would love to answer your questions um.
[01:00:46.080]Rachel Lindhart: I see we did have one come through about whether you have to use your end card for to make purchases on campus or if you can still use a personal credit or debit card.
[01:00:59.040]Rachel Lindhart: christy I don't know if you want to elaborate on that out loud, I appreciate, but I see that you respond to the text here, but if you want to address that directly and we've got a minute for that as well.
[01:01:09.000]Kristy Saunders: Sure, is this is a great.
[01:01:10.020]Kristy Saunders: Question so it just say you are using any of the vendors across campus like if you're getting food in the Union.
[01:01:16.170]Kristy Saunders: Or if you're buying textbooks using the bookstore what have you, you do not need to use your end card, but it is an option so.
[01:01:23.610]Kristy Saunders: there's not really any major benefit of using your end card over your personal payment options that is credit or debit in those circumstances.
[01:01:30.960]Kristy Saunders: You don't get a discount there's nothing really on those lines, the only thing that really isn't benefit is that it will be put on your bill, rather than having to pay in the moment.
[01:01:39.960]Kristy Saunders: And, unlike a credit card there's not an interest rate on that amount So those are the really only major benefits of using your own card.
[01:01:47.130]Kristy Saunders: However, the only place where I will say that, like I said before, that you should not use your credit or debit if you can.
[01:01:54.630]Kristy Saunders: is just when you're paying your good, solid bill through your my red that's when there is that servicing surcharge of that percentage put on there, but that shouldn't occurred any other times are you using your credit or debit card as far as I know, so.
[01:02:07.830]Kristy Saunders: you're safe to use your credit and debit if you want.
[01:02:14.310]Rachel Lindhart: Thanks kristi that's a great question actually.
[01:02:16.740]Rachel Lindhart: A good thing to have outlined in preparation for coming to campus.
[01:02:20.490]Rachel Lindhart: All right, I don't see that we have any other questions here so i'm a final reminder here is kind of the collected contact contact information for each of the hosts who presented today.
[01:02:31.950]Rachel Lindhart: They are great resource resources on campus a great support network for your students, so please.
[01:02:38.250]Rachel Lindhart: know and trust that, when they say that you can reach out to them and that they're easily accessible, this is absolutely the case, I can I can verify that as appear on campus so.
[01:02:48.870]Rachel Lindhart: Thank you, I want to just thank everyone for coming today, thank you to each of our presenters for your time and your expertise this morning.
[01:02:56.370]Rachel Lindhart: And thanks for tuning in this is, you know if you've attended our webinars before that this is where I do a shameless plug for future webinars, but this was actually our last session of the summer.
[01:03:07.050]Rachel Lindhart: So thank you so much for for embracing this experience with me and for engaging the summer I really appreciate it, and we cannot wait to welcome you all to campus in just a few weeks so.
[01:03:17.850]Rachel Lindhart: You know we're here if you need anything in the meantime, but until then Thank you all so much and have a great weekend.

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Paying for College and Beyond #2

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