Wachovia Returning to College Planning Guide

Whether you’ve decided to attend college or return to college, we can help you get your financing into place quickly so you can focus on the real goal—your degree. Now is the time to ask yourself the difficult questions: what do I want to study, how will I pay for college, where will I attend? Spend some time planning how much money you’ll need and how long it will take you to complete your coursework.

Making a Grand Entrance

Need some help keeping all of those college entrance exams and paperwork straight? The SAT, ACT, SAT II, GRE, MCAT—all those acronyms and so little time. Take a few minutes to print out the College Calendar Checklist and you won’t be left cramming for college.

Wachovia understands that preparing for a college education involves obtaining the right information in a timely manner. Wachovia Education Finance is the student loan division of Wachovia and is a source of information on admissions, scholarships and financial aid

Keeping up with College Costs

While there are many ways to cover the costs of college, the majority of students use a combination of funding from savings, student loans, scholarships, and part-time jobs. Don’t forget to factor in the costs of housing, books, food, insurance, and entertainment.

Jump Start your Savings

If you are getting a late start on savings, look for ways to get your money working faster like a money market account, or investing in stocks or mutual funds. Additionally, you’ll want to consult your tax advisor to research what tax benefits you can gain from saving for educational costs.

Scholarships and Financial Aid

Before you borrow, make sure that you've taken full advantage of grants, scholarships and other forms of financial aid that don't have to be repaid.

To be eligible for financial aid, everyone must fill out the Free Application for Federal Student Aid (FAFSA). Wachovia simplifies what you need to know about this important document and its deadline requirements.

Scholarships are another great source to supplement tuition costs. Go to the college’s financial aid office and ask about applications or search for scholarship information online.

Work-Study and Part-time Jobs

Many students find that working part-time is a practical and great way to offset the day-to-day cost of college life. Ask about work-study programs at your college’s financial aid office or see if your campus has a college job resource for internships and local employers. If your schedule is too intense for year-round employment, line up a summer job to sock away money for the rest of the year.

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Wachovia Securities is the trade name used by two separate, registered broker-dealers and non-bank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA /SIPC.

Only deposit products are FDIC-insured.

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All loans and lines of credit are subject to credit approval, acceptable collateral and available equity, and are originated by Wachovia Bank, National Association, Wachovia Mortgage, FSB, Wachovia Financial Services, Inc.,or Wachovia Bank of Delaware, National Association. Products are not available in all states and are subject to change without notice. Certain restrictions apply.

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HOW CAN I SAVE IF I AM ATTENDING OR RETURNING TO COLLEGE?

Making a Grand Entrance

Keeping up with College Costs

Jump Start your Savings

Scholarships and Financial Aid

Work-Study and Part-time Jobs