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Most states have their own financial aid and student assistance programs. These state programs are different than their federal counterparts and can help you overcome some of your student debt. These programs vary by state so do some research about financial aid in your state, who knows what you'll turn up. To find out more about your states financial aid programs contact your state higher education commission or college financial aid administrator and they will give you the details of state grants and loans.

Keep in mind that "The Free Application for Federal Student Aid" (FAFSA) is used to apply for most state loan, grant, and scholarship programs, in addition to the federal loans and grants. You don't need to submit this form twice as the Department of Education (DOE) forwards the information on the form to the state student assistance agency, but you do need to make sure you submit the form to the DOE.

Also, each state has a different FAFSA submission deadline. If you submit your FAFSA by March 1, you will be in time for all state deadlines, well, other than Michigan. Make sure you get your form in on time. If you miss the deadline, you will be ineligible to receive state aid for the entire academic year.

You can contact each state office online, or at their physical address.

 

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