SALT and SALT logo are trademarks of American

Want FREE Money Tips and Student Loan Advice? Get SALT FHSU teamed up with

MONTHLY TIP FROM SALT TM Having trouble saving money? Set up your direct deposit

MONTHLY TIP FROM SALT TM Checking your credit report annually is a great way

MONTHLY TIP FROM SALT TM Don’t wait until graduation to check the balance on

MONTHLY TIP FROM SALT TM As a student, you might be eligible for certain

MONTHLY TIP FROM SALT TM When investing your money, remember time is “on your

MONTHLY TIP FROM SALT TM Don’t think you make enough money to have a

MONTHLY TIP FROM SALT TM Just because you qualify for a certain loan amount,

MONTHLY TIP FROM SALT TM Having trouble sticking to your budget? Be realistic. Budgeting

MONTHLY TIP FROM SALT TM Thinking about making a large purchase? Ask yourself “Can

MONTHLY TIP FROM SALT TM When comparing job offers, remember that salary is just

SALT SUGGESTS Accidentally overdrawing can cost you up to $35—so be sure to keep

MONTHLY TIP FROM SALT TM A software developer in Los Angeles can make up

MONTHLY TIP FROM SALT TM File your FASFA…fast! Schools have a set amount of

MONTHLY TIP FROM SALT TM Overdrawing your bank account could cost up to $35

MONTHLY TIP FROM SALT TM It’s called the ‘Free” application for Federal Student Aid

MONTHLY TIP FROM SALT TM Different student loans go into repayment at different times.

MONTHLY TIP FROM SALT TM Before a job interview, research the company and come

MONTHLY TIP FROM SALT TM Pay attention to a credit card’s fine print. If

MONTHLY TIP FROM SALT TM Considering grad school? Scholarships are limited. Ask your school

MONTHLY TIP FROM SALT TM There are tons of scholarships for unique hobbies. Do

MONTHLY TIP FROM SALT TM Did your bank email you asking for personal info?

MONTHLY TIP FROM SALT TM Send a thank you note within a day of

MONTHLY TIP FROM SALT TM Be creative when negotiating a salary. If an increase

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Want FREE Money Tips and Student Loan Advice? Get SALT FHSU teamed up with SALT to help you: TM • • Student loan advice from expert counselors. Scholarship, internship, and job searches. Tools to take control of your finances. Tips on building smart financial habits. Join for FREE at saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM Having trouble saving money? Set up your direct deposit so a portion of your paycheck goes directly into your savings account. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM Checking your credit report annually is a great way to catch any mistakes. The best part? It’s Free! www. annualcreditreport. com More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM Don’t wait until graduation to check the balance on your student loans. Know what you owe NOW and track on a yearly basis. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM As a student, you might be eligible for certain tax credits and deductions. Do your research before filing your taxes to maximize returns! More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM When investing your money, remember time is “on your side”. The earlier you start, the better. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM Don’t think you make enough money to have a savings account? Try “starting small”. Even $10/week is better than nothing. Plus you are developing great habits! More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM Just because you qualify for a certain loan amount, doesn’t mean you should borrow all of it! Remember, the less you borrow now, the less you pay back (with interest) later. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM Having trouble sticking to your budget? Be realistic. Budgeting does not mean “no fun”. Make sure you consider your “wants” along with your “needs”. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM Thinking about making a large purchase? Ask yourself “Can my current income support this”? If Yes, figure out how much it will change your monthly budget. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM When comparing job offers, remember that salary is just one piece of the pie. Overall fit, job location and cost of living should also be factored into your decision. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

SALT SUGGESTS Accidentally overdrawing can cost you up to $35—so be sure to keep an eye on your bank account balance. Find more money with SALT. Join today at saltmoney. org/FHSU. TM SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM A software developer in Los Angeles can make up to $8, 000 more a year than one in Austin. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM File your FASFA…fast! Schools have a set amount of money for Perkins loans. Stall and you could miss out on this lowinterest opportunity. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM Overdrawing your bank account could cost up to $35 a pop. To keep that money, always monitor how much is in your account. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM It’s called the ‘Free” application for Federal Student Aid (FASFA) for a reason. If a service wants to charge you, save your money and head to fafsa. ed. gov. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM Different student loans go into repayment at different times. A subsidized Stafford loan gives you a 6 -month grace period before payments are due. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM Before a job interview, research the company and come up with a few questions. You’ll show you know the industry and their place in it. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM Pay attention to a credit card’s fine print. If you don’t, a $1, 000 purchase could cost you twice as much in just 8 years. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM Considering grad school? Scholarships are limited. Ask your school about fellowships or graduate assistant positions in your field. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM There are tons of scholarships for unique hobbies. Do you knit? Rope cattle? Look around to see if your skills qualify you for free money. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM Did your bank email you asking for personal info? Identity theft warning! Call your bank and check using the number on their website. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM Send a thank you note within a day of a job interview. You’ll look professional and move to the top of the list. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.

MONTHLY TIP FROM SALT TM Be creative when negotiating a salary. If an increase isn’t possible, ask about vacation time, benefits or perks. More tips: saltmoney. org/FHSU SALT and SALT logo are trademarks of American Student Assistance. © 2014 American Student Assistance. All rights reserved.