© 1999 College Financial Aid Counselors, LLC

All rights reserved. No part of this book may be reproduced or transmitted in any form or by an means – electronic, mechanical, photocopying, recording, or otherwise – without the express written permission of College Financial Aid Counselors, LLC.

The intent of this manual is to provide a basic knowledge about the college financial aid process, with the understanding that the author is not herein engaged in rendering legal, accounting, or tax advice. If such services are required, services of a competent attorney or CPA should be obtained.