This is my first time using SALT. Are these scholarships all real or all sweepstakes? Appears 50% of the terms and conditions say we get entered in to a drawing... Any insight? I want to make sure I'm spending my time wisely on different scholarship entries not bogus ones.
Borrowers ask me a lot (I mean, all the time) whether a student loan company that has contacted them is “legitimate” or a “scam.” Most of the time, I’ve never heard of the company—or it sounds almost like a well-known organization in the student loan industry. Without doing some research, I can’t say if it’s a scam or not. Luckily, our friends… Show more
There’s been a lot of buzz in the news lately about going to college for free, and it seems like everyone has a plan to do it—the president, presidential hopefuls, governors, and organizations. I’m here to tell you that there are ways to go to college for FREE (or almost) right now! I’m talking about programs designed specifically to allow… Show more
When people find out I used to be a financial aid adviser, I usually have to answer a lot of questions about financial aid. Many are unrealistic ones about how to go to school for free without really trying. Unfortunately, I’m not a miracle worker—as my friend and her daughter recently learned when they grilled me for FAFSA help. Given that it… Show more
If you have federal student loans, you can decide how you want to repay them. You just need to choose one of the many student loan repayment options available to you. Federal loans offer standard and graduated 10-year plans, extended plans that range from 15 to 30 years, and income-driven repayment plans that range from 20 to 25 years and 10% to… Show more
I’ve been at my current job at Facebook for about a year. After somebody has been with the company for 9 months, they typically start participating in the interview process for their respective team. For the last 3 months, I’ve been speaking to candidates from across the world, trying to determine if they’d be a good fit for our content… Show more
Lately, I’ve been obsessed with Warren Buffet’s 25-5 rule. If you’re not familiar, it’s a simple exercise to help you figure out the things that matter to you most. You make a list of 25 things you want to achieve in your life, and circle five of them. Then, you instantly forget about the other 20—and focus only on achieving your top five. The… Show more
I am trying to find where to take my SALT exam. I'm a new student and have already completed the counseling course, signed the master promissory note and now I just need to take the SALT exam. Does anyone know where to go at salt.org to take this exam? I'
I've already completed steps 1 and 2, the loan counseling course and signing the master promissory note. Now I just need to take the exam, which my college referred me to salt.org to take this exam, and complete step 3 but I can't find the exam anywhere. Any help would be great as I am trying to get this done before school starts next week, so… Show more
We can definitely help you with that, Jeffrey! Some schools require their students to complete Salt Courses at this point in the financial aid process. After you finish the lesson part of the course, you'll take an exam to demonstrate your knowledge. (When you pass, you'll get a certificate, which your school may or may not need to see; ask…