Student Support Units
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Student Financial Aid and Scholarships
Student Financial Aid and Scholarships provides information to incoming freshman, transfer students, continuing students, graduate students, parents, and other populations about financial advice and services at UNT. -
Student Money Management Center
Our team helps students succeed in their financial lives. We give them the tools to increase their knowledge, skills, awareness and confidence to become financially empowered.The University of North Texas believes strongly that developing financial literacy and understanding financial wellness are critical aspects of students’ education.
The Student Money Management Center Team and its on- and off-campus partners who work with students on financial issues do not provide investment or tax advice. This website and the information provided is for general educational purposes only, and is not intended to substitute for the advice of your investment and/or tax advisors or to be the basis of specific financial planning activities. If you need investment and/or tax advice, please seek out professional advice. Students needing legal advice should reach out to the UNT Student Legal Services Office. -
Student Legal Services
Student Legal Services offers a wide variety of legal guidance. The goal of this office is to counsel, advise, and represent University of North Texas students. Student Legal Services may write letters, draft legal documents, represent students, or otherwise attempt to resolve legal problems. While general advice may be available, Student Legal Services does not represent students in criminal matters (including traffic tickets). -
CARE Team
UNT has created a network of professionals from across campus that are committed to a caring, confidential program of identification, intervention and response in order to provide our students with the greatest chance of success. -
Seeking Options and Solutions
One of the primary aspects of the Dean of Students Office is to help students resolve university related issues. Through the SOS (Seeking Options and Solutions) Program, the Office assists students and their families in navigating diverse concerns, as well as identifying resources for personal, academic, financial and social issues.
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Financial Literacy
Subject Headings and Call Numbers
Locate books with these call numbers at Willis and Sycamore Libraries, GOVT Online Resources, and UNT Online Resources. Physical materials can be checked out at one of our service desks or through our self-check machines for complete privacy.
College Debt
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LB2342.2 A-Z
Finance, Personal
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HG179
Student Loans & Financial Aid
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LB2337 – LB2340.94
Taxation
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HJ2240 - HJ5908
Student Success Series
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Student Success Series, Understanding Student LoansFor those high schools students who decided to further their education, 70% will go into debt by taking out a student loan. The goal of this video is to help students fully understand student loans and increase their ability to make informed decisions. This video will review the history of student loans, government vs. private lenders, interest rates, and payback options. Closed Captioning Available.
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Student Success Series, Understanding BudgetsCollege is a time of new found freedom for many students. But with freedom comes responsibility, especially fiscal responsibility. This video reviews the basics in money management skills in order to build a solid financial foundation for college years and beyond. Topics include how to set up a budget, discretionary vs. nondiscrtionary spending, and savings. Closed Captioning Available.
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Student Success Series, Understanding CreditEvery young person will leave home at some point - to go to college, to work, or simply be on their own for the first time. When they do, they will enter the world of credit...money loaned to them to buy a car, rent an apartment, sign up for a subscription service, get a student loan or credit card. This video will explain what credit means, the various types of credit available, interest rates, as well as credit scores. Closed Captioning Avialable.
Financial Services at Money Management Center
The Student Money Management Center helps students succeed in their financial lives. They give students the tools to increase their knowledge, skills, awareness and confidence to become financially empowered.
Financial Readiness Program
This team takes SMMC services to students. They reach out to students in classrooms, residence halls, and student organization meetings. They also create their own events such as workshops, presentations, tabling, and other special events. Wherever students are, they will be there.
Their List of Workshops Include:
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Building Credit
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Buying your First Home
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Fast Cash! Ways to increase your income
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Financial Intelligence Training
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Student Loan Repayment
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Study Abroad 101
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Ways to Save
To lean more about these workshops, visit the Financial Readiness Program website.
Financial Wellness Program
Our coaching team listens. We help students understand their financial situations and explore various options and resources. Our goal is to ensure each student who walks into our office has the tools they need to succeed in the future. All coaching sessions are confidential. Walk-in hours are available on a first-come/first-serve basis.
Coaching topics include:
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Budgeting & saving
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Paying for School
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Student Loans
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Money Management
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Credit & Debit
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Study Abroad
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Campus Resources
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Life After Graduation
You can learn more about these topics by visiting the Financial Wellness
Eagle Support Program
The Eagle Support Program provides emergency funding to students in need. The program is a loan-based program that addresses cost of attendance and living expenses (not including tuition and fees) specific to UNT. Contact the Student Money Management Center - Chestnut 313 | (940) 369-7761 for more information.
Paying for College
College Costs
Tuition and fees vary by college. Detailed information regarding tuition and fees at UNT is available from Student Financial Services. For a general cost estimate of what you will be billed, use one of the tuition plan calculators provided by Student Financial Services.
What is Cost of Attendance?
Cost of Attendance (COA), as determined by Student Financial Aid and Scholarships, is the estimated cost for a typical student to attend UNT. COA includes estimated tuition and fees, as well as other basic living expenses. COA is used, along with your Expected Family Contribution, to calculate your financial aid awards.
Types of Aid
UNT offers a variety of options to help you pay for your college education. The types of aid listed below require the following: be a U.S citizen or eligible non-citizen; completion of the Free Application for Federal Student Aid each year by the established priority dates; maintain Satisfactory Academic Progress requirements; and at least half-time enrollment in an eligible program at the university.
Some programs have restrictions based on established need, residency status, classification, and additional required documentation.
Grants
A grant is free money and does not have to be repaid. If you withdraw from the university, never begin attending a class(es), or stop attending classes, you may be subject to the Return of Title IV Repayment Policy.
Loans
A loan is borrowed money that must be repaid with interest. If you withdraw from the university, never begin attending a class(es), or stop attending classes, you may be subject to the Return of Title IV Repayment Policy.
Work-Study
The College Work-Study program allows students to work part-time in specified positions to earn up to $2500 per semester to help pay for educational expenses.
Departments can provide work study opportunities about how they can use federal or state funds in whole or part to cover student employees earnings starting at 70%.
More Resources on Aid
Types of Scholarships
University Scholarships
The Student Financial Aid and Scholarships (SFAS) office administers these scholarships. Apply for these scholarships by completing the General Scholarship Application. Review competitive scholarship waiver information.
Departmental Scholarships
These scholarships are made available through designated contributions from donors. The SFAS office and many other campus departments manage these awards. Donors specify what department they want to manage the scholarship along with the award's eligibility criteria. Review competitive scholarship waiver information under University Scholarships.
External Scholarships
Private agencies and other organizations fund these scholarships.
More Resources on Scholarships
More Resources, Forms, and Guidelines to Review
More Library Guides of Interest
Government Financial Assistance Guide
Many people look to the government to find out how to apply for a grant or to get "free money," which they have seen advertised on television or in various publications. Grants usually go to state and local governments or nonprofit organizations, which then use the money to operate assistance programs locally. It may be difficult for an individual to qualify for a federal grant. USA.gov has information about legitimate grant and loan opportunities and contact information for grant- or benefit-sponsoring agencies. Lean more at https://guides.library.unt.edu/gic-financial-assistance.
Highlights from the Collection: Financial Literacy
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Breaking Point
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Call Number: LB2342 .C666 2016ISBN: 9781475826029Publication Date: 2016-09-30In recent decades, the crisis of college affordability has emerged as one of the defining challenges of our era. Since 1978, college tuition and fees have soared by 1,120 percent, growing at three times the rate of housing prices and four times the rate of the increase in the hourly wage. The inevitable consequence has resulted in a national student debt that surpassed $1.3 trillion in 2015, crushing the average household under $35,000 in student debt.Breaking Point explains flaws in the structure of higher education that have caused college prices to soar over our lifetime, including "prestige maximization," a perpetual "amenities war," and a predatory lending industry that has not only fostered but encouraged the explosion of college costs. To counter this trend, Kevin Connell proposes several bold solutions that are intended to induce colleges and lenders alike to redefine the structure, price, and ultimate purpose of higher education in America. -
College Costs, Prices and Saving
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Call Number: LB2342 .C635 2004ISBN: 1594540454Publication Date: 2004-01-01Based on available data, college tuition and fees have been rising more rapidly than household income over the past 2 decades. The divergence is particularly pronounced for low-income household and become less pronounced as household income increases. Some research has identified specific factors related to increases in college price. For example, price increases at public 4-year institutions are strongly related to decreases in state appropriations. Given the current budget crisis that is affecting states nationwide, double-digit increases in tuition and fees are slated in some states for the 2003-2004 academic year. -
Dollars and Sense
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Call Number: HG179 .A75 2017ISBN: 9780062651204Publication Date: 2017-11-07Why is paying for things painful? Why are we comfortable overpaying for something in the present just because we've overpaid for it in the past? Why is it easy to pay $4 for a soda on vacation, when we wouldn't spend more than $1 on that same soda at our local grocery store? We think of money as numbers, values, and amounts, but when it comes down to it, when we actually use our money, we engage our hearts more than our heads. Emotions play a powerful role in shaping our financial behavior, often making us our own worst enemies as we try to save, access value, and spend responsibly. In Dollars and Sense, bestselling author and behavioral economist Dan Ariely teams up with financial comedian and writer Jeff Kreisler to challenge many of our most basic assumptions about the precarious relationship between our brains and our money. In doing so, they undermine many of personal finance's most sacred beliefs and explain how we can override some of our own instincts to make better financial choices. Exploring a wide range of everyday topics--from the lure of pain-free spending with credit cards to the pitfalls of household budgeting to the seductive power of holiday sales--Ariely and Kreisler demonstrate how our misplaced confidence in our spending habits frequently leads us astray, costing us more than we realize, whether it's the real value of the time we spend driving forty-five minutes to save $10 or our inability to properly assess what the things we buy are actually worth. Together Ariely and Kreisler reveal the emotional forces working against us and how we can counteract them. Mixing case studies and anecdotes with concrete advice and lessons, they cut through the unconscious fears and desires driving our worst financial instincts and teach us how to improve our money habits. The result not only reveals the rationale behind our most head-scratching financial choices but also offers clear guidance for navigating the treacherous financial landscape of the brain. Fascinating, engaging, funny, and essential, Dollars and Sense provides the practical tools we need to understand and improve our financial choices, save and spend smarter, and ultimately live better. -
Financial aid for persons with disabilities and their families
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Call Number: LIB USE ONLY ECL | LB2337.2 .F581 13th ed. 2012/2014Publication Date: 2012"A listing of scholarships, fellowships, grants-in-aid, and other sources of free money available primarily or exclusively to persons with disabilities or members of their families, plus a set of six indexes: program title, sponsoring organization, residency, tenability, subject, and deadline date." -
Financial Freedom
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Call Number: HG179 .A383 2013ebISBN: 9781430245407Publication Date: 2014-03-01If you're one of the millions of Americans who is buried in credit card debt, or maybe you're having trouble deciphering the fine print on your 401(K)--that is, if you even have a 401(K)!--don't dismay. You can start taking steps toward closing your financial illiteracy gap right away with the sound, practical personal finance advice offered up in Reuben Advani's Financial Freedom. Designed for young adult professionals but filled with crucial information that will financially empower readers of all ages, Financial Freedom is more than just your standard personal finance book, which offers up plenty of encouragement but very little actionable advice. Instead, this user-friendly guide stands alone thanks to the clear approach it takes to the topic of personal finance. So, no matter whether you are in the market for a new car, are looking to become a first-time homeowner, want to save up for your child's college education, or have decided to try your hand at investing, you'll find engaging, nonjudgmental answers to your most pressing financial questions in this invaluable resource. Jam-packed with financial guidance yet presented in a gentle, humorous manner, Financial Freedom will teach you: The ins and outs of the world of finance, including targeted advice on how to use its tools to create a better financial future for yourself; The difference between good debt and bad debt--as well as tips and hints for avoiding the latter of the two; The low-down on mortgages, auto loans, student loans, and credit cards; Strategies and techniques for investing in stocks, bonds, and real estate; And much more. When it comes to securing your financial future, building a strong foundation of financial knowledge and skills is the smartest thing you can do. Put yourself on the path to long-term financial literacy, independence, and success with Financial Freedom, which provides all the information you need to make sound financial decisions for a lifetime. -
Free Money for Graduate School
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Call Number: LB2337.2 .B58 2000ISBN: 0816042780Publication Date: 2000-06-01This reference covers more than 1000 sources of grants and scholarships to help readers attain their advanced degrees. Each entry fully details contact information, a description of the programme, eligibility requirements, the maximum amount granted and the application deadline -
How to Find a Scholarship Online
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Call Number: eBooks on EBSCOhostISBN: 0071415378Publication Date: 2001-01-01Tuition costs across the country are rising at an alarming rate--and financial aid is harder to get than ever. Parents and students alike are worrying about how to pay for education without skimping on quality. Now, thanks to the Internet, more and more students are applying for scholarships online with just the click of their mouse. However, finding just the right sites can take hours of Web research. And too much time spent on research can result in lost opportunities, missed deadlines, and changes in eligibility requirements. How to Find a Scholarship Online makes the search easier by providing a directory of Web sites with scholarships available for a wide variety of fields of study, ethnic and religious backgrounds, military activities, athletic abilities, and more. Each entry details all the important facts students need, including: Eligibility requirements Tips for avoiding scams, finding the best options, and applying online Expert advice on submitting a winning application that stands out from the crowd -
Love Your Life Not Theirs
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Call Number: HG179 .C79 2016ISBN: 9781937077976Publication Date: 2016-09-14The Joneses are broke.Life looks good, but hidden beneath that glossy exterior are credit card bills, student loans, car payments, and an out-of-control mortgage. Their money situation is a mess, and they're trying to live a life they simply can't afford. So why exactly do we try so hard to keep up with the Joneses?Are we really living the lives we want, or are we chasing someone else's dream, just trying to keep up appearances on social media, at church, and in our community? Why are we letting other people set the pace for our own family's finances?In Love Your Life, Not Theirs, Rachel shows you how to buy and do the things that are important to you--the right way. That starts by choosing to quit the comparisons, reframing the way you think about money, and developing new habits like avoiding debt, living on a plan, watching your spending, saving for the future, having healthy conversations about money, and giving.These habits work, and Rachel is living proof. Now, she wants to empower you to live the life you've always dreamed of without creating the debt, stress, and worry that are all too often part of the deal.Social media isn't real life, and trying to keep up with the Joneses will never get you anywhere. It's time to live--and love--your life, not theirs. -
Your Money Ratios
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Call Number: HG179 .F362 2010ISBN: 9781583333631Publication Date: 2009-12-24A troubled economy calls for answers. Forget complicated, abstract philosophy--people need sound financial advice that's easy to follow and can be implemented immediately. For the first time, a leading financial adviser has developed a remarkable set of guidelines to give individuals the same kind of objective insight into their personal finances that successful businesses have. Your Money Ratios will help readers effectively manage debt, invest prudently, and develop a realistic and effective savings plan to ensure both financial success and security. Readers need only plug their income and age into Farrell's ratios in order to get an instant picture of their savings status and overall financial health, as well as a roadmap for the important choices they must make in the future. Here's what you will find in this book: IF YOU ARE IN YOUR 20s OR 30s: Your Money Ratios will tell you how to get started and what you need to do over the next 35 years to stay on track. If you are lucky enough to read this book when you are young, you will have a clear vision for where you need to go throughout your working career. By setting yourself on the right path, you won't have to work so hard later in life to meet your goals. IF YOU ARE IN YOUR 40s: You can benchmark your own financial circumstances against the ratios and see how you are doing with respect to your savings, debt, investments and insurance. You have plenty of time to make adjustments if necessary and plot out your path to retirement. IF YOU ARE IN YOUR 50s: The formula will provide you with a realistic assessment of your ability to retire. It will help you make the important decisions about how to allocate your financial resources over the next 10 to 15 years, and how to put on the final push for retirement.
