Information on financial aid, estimating financial need, managing money, and expenses at over 3,500 colleges is provided. College costs are based on the following: tuition and fees, books and supplies, room and board, transportation, and personal expenses. The following financial aid sources are examined; the Pell Grant Program, the Supplemental Educational Opportunity Grant Program, the National Direct Student Loan Program, the College Work-Study Program, service academies, the Reserve Officer Training Corps, the Bureau of Indian Affairs, state government programs, financial aid from colleges, the Guaranteed Student Loan (GSL) Program, veterans education benefits, vocational rehabilitation benefits, and help from private student aid sources. Also covered are the Financial Aid Form and other need analysis applications, understanding aid awards, and responsible borrowing. Working one's way through college and stretching resources are addressed, along with strategies for cutting costs such as repayment plans. Appended materials include: 1986-1987 student expenses by institution, a glossary, worksheets, information sources about state grant programs and the GSL, and a list of colleges that offer tuition and/or fee waivers and special tuition payment plans. (SW)