Inmate housing options narrow Opiate addiction strains Municipal Court Lillian E Cowdrey Catherine A Houk Warriors win Jim Neu XC Invite Week 2 football roundup Broncos unbeaten at 4-0 Lady Broncos compete in Bob Schul XC Invite Ronnie L Day Nettie F Lightner Wallace sentenced to life in prison Court filing links Anderson and Sawyers Man killed in Fatal Crash on US 52 Henry E Fields Anleah W Stamper Maxine M Garrett U.S. 68 reopens Drought ends for Lady Rockets G-Men rise to 3-1 with back-to-back victories Rockets cruise to 4-0 win over Jays Lady Broncos start off SBAAC American Division play with 3-2 win over Goshen Week one football roundup Fair board president Orville Whalen passes away Wallace guilty, faces life in prison Zoning ordinance approved for Village of Sardinia Felicity man killed in boat crash Evelyn E Smith Peggy A Wiederhold Thomas P Neary Warriors kick off SHAC play Lady Broncos stand at 2-1 Late Devil goals lead to Lady Warrior loss David R Carrington Sr Crum arraigned on murder charge Sawyers faces new charge Aberdeen’s fiscal officer resigns 12th Annual Golf Tournament by Veterans Home Aug. 26 Betty G Schatzman Robert L McAfee Paul V Tolle Herbert D Smith Helen R Little Eugene M Press Lady Broncos out to defend league title SHAC holds volleyball preview Lady Warriors packed with experience, talent for 2017 fall soccer campaign Georgetown’s Sininger off to excellent start for 2017 golf season New response team for overdoses Drugged driving becoming a bigger problem Danny F Dickson Eva J Smith Michael R Stewart Sr Charles McRoberts III Marsha B Thigpen Michael L Chinn William A Coyne Jr Woman found dead in Ripley A girl’s life on the gridiron Rockets face G-Men in preseason scrimmage 13th annual Bronco 5K Run and Fitness Walk draws a crowd William C Latham Four charged in overdose death Underage felonies strain county system Fayetteville looks forward to 2018 celebration Russellville council discusses underground tanks in village Marilyn A Wren Larry E Carter Virginia L McQuitty Practices get underway for fall sports Jays soon to begin quest for SHAC title Western Brown to hold Meet the Teams Night and OHSAA parent meeting Aug. 8 Norville F Hardyman Carol J Tracy James Witt Hundreds of Narcan doses used in 2016 Heavy weekend rain causes flooding and damaged roads Child Focus hosts Chamber of Commerce meeting Mary F McElroy Broncos out to defend SBAAC American Division soccer title Bronco 5K to take place Aug. 5 EHS volleyball team ready for new season Michael C Cooper Raymond Mays Harry E Smittle Jr Mary A Flaugher Western Brown’s Leto excels in Australia Rockets ready for 1st season in SBAAC Paddling, hiking activities available at Ohio State Parks SB Warriors get set to hit gridiron for 2nd year of varsity football Scotty W Johnson Glenna V Moertle Ricky L Hoffer Ruth E Ward David A Watson Janet L Dotson Vilvie S King Steven C Utter Cropper joins Fallis at Bethel-Tate Local kids find success in world of martial arts 13th annual Bronco 5K Run and Fitness Walk set for Aug. 5

What you need to know about financial aid

The 2016-17 FAFSA is available online now. Parents of high school and college students need to push aside any negative thoughts and disregard any FAFSA myths they have heard as they deal with the application that opens the doorway to financial aid for most colleges. Even if you don’t think your family qualifies for income-based financial aid, the FAFSA needs to be completed to qualify for other types of assistance, and to be eligible for federal student loans. Here are some things you need to know about the 2016-17 FAFSA:

You’ll need an FSA ID: This is a new requirement. Even if you had an FSA PIN last year, you need to acquire an FSA ID to log in and complete this year’s form. It is not difficult, and adds an extra layer of security to the process. If you sign in to any FSA site (including gov, FAFSA on the Web, StudentLoans.gov, NSLDS student access, etc.) after that date, then you will be redirected to a new FSA ID page. On this page, you will be directed to pick a username and password for sign in purposes, but just like with the PIN, you will have to wait 1-3 days for the Social Security Administration to verify for identity. (Currently, you are allowed a “conditional PIN” for the 1-3 days in order to complete the verification process.)

Do it now: You may think it is better to wait until after you file your income tax returns, but there are some forms of financial aid which are time-sensitive. Delaying the application could result in lost financial aid. You can use estimated income figures for now, and then go back and revise them once you file your 2015 income tax returns.

Allow the proper amount of time: If this is your first time completing the FAFSA, you will need about 30-45 minutes, provided you have already obtained your FSA ID and gathered your supporting documentation. Returning filers will find that it takes about 15-30 minutes to update their information for the coming year, if there have been no substantial changes in their financial situation.

Determine whether the student is dependent or independent: Independent students are only required to provide their own financial information, while dependent students must also provide data on their parents. The FAFSA has a series of questions you will answer to determine your dependency status.

Watch for other financial aid requirements: Check the websites or application packets of the colleges your student hopes to attend to determine if there are any additional requirements or deadlines you will need to meet.

Review your SAR carefully: After you submit your FAFSA, you will receive a Student Aid Report, or SAR, which will also contain your Expected Family Contribution (EFC). Review this document carefully to be sure it matches your financial situation, as it will be used by your colleges as the basis for their financial aid decisions.

Don’t get distraught about verification: In some cases, you may be asked to provide additional documentation to support statements you made on the FAFSA. This is a routine procedure and should not be a problem if the statements you made were accurate.

There is also a twist to the process in 2016. Another FAFSA for the 2017-18 academic years will be online beginning October 1. Keep in mind all the lessons you learn from filling out this year’s form, and you will be a step ahead for next year.

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Chatfield College offers tips for students and parents preparing to file the FAFSA

By Diana Irving

Chatfield College

Founded by the Ursulines of Brown County, Chatfield College is a private liberal arts college offering the Associate of Arts degree in St. Martin and Over-the-Rhine. Visit them online at Chatfield.edu

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2016 News Democrat