Step-1
 
Follow our Pre-College Calendar and be sure that you will take the necessary tests, meet deadlines and explore all the opportunities available.
 

Step-2
 
Estimate costs and calculate your repayment. Use our Planning and Budgeting worksheet to help you estimate how much you will need for college and keep borrowing in line with your future ability to repay.
 

Step-3
 
Explore your financial aid options. Scholarships and grants are your best bet, because they don’t have to be paid back! Federal loans are also available to both students and parents at lower interest rates.
 

Step-4
 
Don't be afraid to ask questions! The financial aid process can be very complex, with a language all its own. Use the resources available to you -- your guidance counselor, financial aid office and the loan specialists at First Horizon.