{"id":4619,"date":"2020-02-03T11:58:16","date_gmt":"2020-02-03T19:58:16","guid":{"rendered":"https:\/\/wou.edu\/finaid\/?page_id=4619"},"modified":"2025-12-23T16:31:55","modified_gmt":"2025-12-24T00:31:55","slug":"financial-literacy","status":"publish","type":"page","link":"https:\/\/wou.edu\/finaid\/glossary-terms-2\/financial-literacy\/","title":{"rendered":"Financial literacy"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;section&#8221; _builder_version=&#8221;4.16&#8243; min_height=&#8221;936.8px&#8221; custom_margin=&#8221;||0px|||&#8221; custom_padding=&#8221;0px||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;|auto||173px||&#8221; custom_padding=&#8221;14px||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>ABOUT MY AID<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,3_4&#8243; admin_label=&#8221;row&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; disabled_on=&#8221;on|on|off&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.27.4&#8243; custom_margin=&#8221;||0px|||&#8221; global_module=&#8221;4626&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><b>Understanding my aid<\/b><\/p>\n<ul>\n<li><a href=\"https:\/\/wou.edu\/finaid\/glossary-terms-2\/financial-literacy\/\">Financial Literacy<\/a><\/li>\n<li><a href=\"https:\/\/wou.edu\/finaid\/glossary-terms-2\/financial-aid-faqs\/\">Frequently Asked Questions<\/a><\/li>\n<li><a target=\"_blank\" href=\"https:\/\/cdn.wou.edu\/finaid\/files\/2018\/06\/DOJ-Student_Loan_Fraud_Sheet_poster11x17_alliance.pdf\" rel=\"noopener noreferrer\">Signs of Student Loan Fraud<\/a><\/li>\n<li><a href=\"https:\/\/cdn.wou.edu\/finaid\/files\/2025\/04\/Glossary-of-Terms-Doc-for-AL.pdf\" target=\"_blank\" rel=\"noopener\">Glossary of Terms<\/a><\/li>\n<li><a href=\"https:\/\/wou.edu\/finaid\/managing-my-aid\/2026-2027-federal-updates\/\" target=\"_blank\">2026-2027 Federal Financial Aid Changes<\/a><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_divider color=&#8221;#db0a29&#8243; divider_weight=&#8221;5px&#8221; disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.2.2&#8243; custom_margin=&#8221;||7px|||&#8221; custom_padding=&#8221;||10px|||&#8221; global_module=&#8221;4539&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.27.4&#8243; global_module=&#8221;4627&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Managing my aid<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/wou.edu\/finaid\/managing-my-aid\/course-participation\/\">Course Participation<\/a><\/li>\n<li><a href=\"https:\/\/wou.edu\/finaid\/managing-my-aid\/eligibility\/\">Eligibility<\/a><\/li>\n<li><a href=\"https:\/\/wou.edu\/finaid\/managing-my-aid\/important-dates\/\">Important Dates and Deadlines<\/a><\/li>\n<li><a href=\"https:\/\/wou.edu\/finaid\/managing-my-aid\/satisfactory-academic-progress\/\">Satisfactory Academic Progress<\/a><\/li>\n<li><a href=\"https:\/\/wou.edu\/finaid\/managing-my-aid\/student-rights-responsibilities\/\">Student Rights &amp; Responsibilities<\/a><\/li>\n<li><a href=\"https:\/\/wou.edu\/finaid\/managing-my-aid\/withdrawals\/\" target=\"_blank\" rel=\"noopener\">Withdrawals<\/a><\/li>\n<li><a href=\"https:\/\/wou.edu\/finaid\/managing-my-aid\/professional-judgement-appeals\/\">Professional Judgement Appeals<\/a><\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.27.5&#8243; header_2_font_size=&#8221;24px&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2>Financial Literacy<\/h2>\n<p>Understanding your financial situation is an important part of living a well-balanced life. Financial decisions you make now may have a big effect on your ability to purchase a car or house, get married, or even have a family. Whether you are just getting started and need to understand how to create a budget, or you are a pro and need to figure out how much you owe in student loans, the links here should provide good direction for understanding your current financial situation.<\/p>\n<p><strong><a href=\"https:\/\/gradready.com\/gradready\/sponsor\/wou\" target=\"_blank\" rel=\"noopener noreferrer\">GradReady<\/a><\/strong> is a financial literacy partner that provides topics to help students before, during and after college. You will find tools to help you understand financial aid better, learn to create a budget, and prepare you for life after graduation.<\/p>\n<p><strong><a href=\"https:\/\/www.usa.gov\/credit-reports\" target=\"_blank\" rel=\"noopener noreferrer\">Free Credit Report<\/a><\/strong> Obtain your annual free credit report from the federal government.<\/p>\n<p><strong><a href=\"https:\/\/studentaid.gov\/manage-loans\/repayment\/plans\" target=\"_blank\" rel=\"noopener noreferrer\">Repayment Options<\/a><\/strong> To make your payments more affordable, repayment plans can give you more time to repay your loans or can be based on your income. Try the \u201crepayment estimator\u201d to find more about what your monthly loan payments will be after you graduate.<\/p>\n<p><strong><a href=\"https:\/\/studentaid.gov\/manage-loans\/forgiveness-cancellation\/public-service\" target=\"_blank\" rel=\"noopener noreferrer\">Public Service Loan Forgiveness Program<\/a><\/strong> If you are employed by a government or not-for-profit organization, you may be able to receive loan forgiveness under the Public Service Loan Forgiveness Program.<\/p>\n<p><strong><a href=\"https:\/\/studentaid.gov\/resources\" target=\"_blank\" rel=\"noopener noreferrer\">Studentaid.gov<\/a><\/strong> Provides resources on consumer protection and financial literacy. Students can also log into their Dashboard to view their financial aid history, as well as their current loan balance and their current loan servicer information.<\/p>\n<p><strong><a href=\"https:\/\/www.youtube.com\/user\/federalstudentaid\" target=\"_blank\" rel=\"noopener noreferrer\">FSA YouTube Videos<\/a><\/strong> Provides various videos published by Federal Student Aid.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;0px||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; min_height=&#8221;127px&#8221; custom_margin=&#8221;26px|||||&#8221; global_module=&#8221;4762&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Contact<\/h3>\n<h4>Financial Aid Office <strong>toll free<\/strong><span>\u00a0<\/span><strong>1-877-877-1593<\/strong><span>\u00a0| or\u00a0<\/span><strong>e-mail:<\/strong><span><a href=\"mailto:erviga@wou.edu\">\u00a0finaid@wou.edu\u00a0<\/a><\/span><span>|<\/span><span>\u00a0<\/span><strong>Location<\/strong><span>: Welcome Center 140<\/span><\/h4>\n<p>In-person services are Monday through Thursday 8am to 5pm and Friday 10am to 5pm. <b>**Walk-in appointments are available on a first-come, first-served basis on the following days\/times:<\/b><\/p>\n<ul>\n<li>Monday, 9:00 am \u2013 Noon<br \/><span><\/span><\/li>\n<li>Monday, 1:00 \u2013 4:00 pm<br \/><span><\/span><\/li>\n<li>Thursday, 2:00 \u2013 4:00 pm<\/li>\n<\/ul>\n<p><b>Schedule in-person\/phone\/virtual appointments with your counselor using the <\/b><span><a href=\"https:\/\/www2.wou.edu\/nora\/portal.home\" target=\"_blank\" rel=\"noopener nofollow noreferrer\"><b>Navigate<\/b><\/a><\/span><span><b>\u00a0icon.<\/b><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>ABOUT MY AID Understanding my aid Financial Literacy&#8230;<\/p>\n","protected":false},"author":417,"featured_media":0,"parent":1963,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"splash-page.php","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_lmt_disableupdate":"","_lmt_disable":"","_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-4619","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/wou.edu\/finaid\/wp-json\/wp\/v2\/pages\/4619","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wou.edu\/finaid\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/wou.edu\/finaid\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/wou.edu\/finaid\/wp-json\/wp\/v2\/users\/417"}],"replies":[{"embeddable":true,"href":"https:\/\/wou.edu\/finaid\/wp-json\/wp\/v2\/comments?post=4619"}],"version-history":[{"count":10,"href":"https:\/\/wou.edu\/finaid\/wp-json\/wp\/v2\/pages\/4619\/revisions"}],"predecessor-version":[{"id":26002,"href":"https:\/\/wou.edu\/finaid\/wp-json\/wp\/v2\/pages\/4619\/revisions\/26002"}],"up":[{"embeddable":true,"href":"https:\/\/wou.edu\/finaid\/wp-json\/wp\/v2\/pages\/1963"}],"wp:attachment":[{"href":"https:\/\/wou.edu\/finaid\/wp-json\/wp\/v2\/media?parent=4619"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}