This guide describes financial assistance available to college-bound students. Need-based financial aid programs such as grants, loans, and college-work study are discussed and the application procedures are described. The guide explains the West Virginia Financial Aid Form (FAF) along with the role of the College Scholarship Service in determining the financial need of college-bound students. In the merit-based financial aid section, 36 scholarship programs available to West Virginia students in addition to major scholarships available at West Virginia colleges are listed. Four case studies illustrate how need-based and merit-based financial aids can cover the cost of a college education. Fees involved in locating financial aid such as charges for processing and admission applications are addressed. Specific questions to ask a college financial aid officer about their need-based financial programs are listed. Managing personal finances in college, locating jobs, and money saving tips are discussed. A timetable for college admissions lists specific steps to begin in the junior year in high school to secure college financial aid. Common myths about paying for college education are cited. The importance of early planning and careful research of colleges is stressed. A financial aid search checklist is provided to assist students in keeping abreast of the process of applying for financial aid. Additional resources on the topic of college financial aid are listed. (LP)