Middle School Counselor’s Guide: Component 6 15
WORK SYSTEMWIDE
Students
(Individual, Group, Classroom and Grade)
Teach students how to make personal financial
decisions and how to identify the characteristics
of being financially responsible. Provide concrete
examples of everyday living costs and expenses (e.g.,
food, gas, utilities, transportation and rent/mortgage).
Teach students about various financial aid
opportunities (e.g., scholarships, grants, loans,
work-study, savings plans) from sources such as the
federal government, state higher education agencies,
postsecondary institutions, organizations and private
funders.
Teach students how to research and apply for (with
parental consent) age- and grade-appropriate
scholarships and grants from various funders. Ensure
that students know how to identify and adhere
to various financial aid application deadlines and
requirements.
Provide students with financial aid glossaries and
tools such as net price calculators to build financial
literacy and provide information about how to pay
for college/career/technical school and in-depth
examples of future lifestyle options and the level of
wealth needed to attain them.
School
Encourage teachers to integrate financial literacy and
financial aid vocabulary into the existing academic
curriculum. Incorporate videos, interactive classroom
activities and assignments that cover income and
careers, money management, financial planning,
credit and debt, and saving and investing.
Collaborate with your school librarian to develop a
resource center that includes free age-appropriate
financial literacy and financial aid information,
resources and tools in multiple languages from
federal and state entities such as the U.S. Department
of Education, the Federal Trade Commission, the U.S.
Financial Literacy and Education Commission, and
the state higher education commission.
District
Collaborate with other middle school counselors to
share information about federal, state, district and
school-based scholarships and grants. Share tips,
strategies, guidebooks and sample applications.
Collaborate with other middle school counselors
to review and analyze trends in districtwide high
school FAFSA data. Use these data to support your
school and district’s financial literacy and financial aid
awareness agenda.
Parents and Families
Create outreach efforts to ensure that parents and
families are aware of their role in helping their
children deepen their financial literacy and their
knowledge of financial aid processes (see all student
interventions above).
Ensure that parents and families understand federal
privacy laws (regarding children under age 13) such
as The Children’s Online Privacy Protection Act of
1998 (COPPA) and the Children’s Privacy Protection
Final Rule, which address parental consent and the
collection, use and disclosure of student-, parent- and
family-identifiable information.
Ensure that parents and families engage in the
financial aid application preparation process
knowing that their special, unique and/or financial
circumstances may not prevent their students from
applying for and/or receiving most financial aid.
Assist parents and families in documenting special
circumstances that may qualify them for special
financial aid programs and support.
Community
Collaborate with faith-based institutions to publish
paper and online announcements in bulletins,
newsletters and message boards about school and
community-based financial literacy and financial aid
awareness initiatives.
Partner with local businesses and financial
institutions to develop and provide scholarship and
stipend opportunities for students.
Collaborate with financial institutions to give
students, parents and families information about
opening student checking and savings accounts,
creating and managing personal budgets, and
avoiding credit card problems.