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I read in a book (always a GREAT way to start a post, I know) that it would be beneficial for me to start planning out my financial aid before I even start getting acceptance letters. But I'm already getting them, and if I can't fill out the FAFSA until January 1, is there something I could be doing in the meantime?

I understand that I have to wait until January 1 for to fill out the FAFSA. At that point I'm under the impression that I will fill out an estimate, and make any necessary changes when I get my tax return (Please correct me if this is not how it works).

Also, a couple specific questions for those who have read this far:

1- When filling out the FAFSA do I include all schools that I'm applying to, or only the ones to which I've been accepted up to that point? (I'm assuming it has to be the former, but I figured I'd ask).

2- Is the FAFSA the only step in applying for the entire gamut of federal loans?

fasfa should be your first step. Be sure to list all schools that you are still considering ( you can list up to 10).

After that: Call each individual school for help. They will offer the best assistance.