This publication describes student financial assistance programs available through the U.S. Department of Education's student financial aid programs. Thirteen sections focus on: "Education after High School"; "Paying Tuition and Other Costs"; "Applying for Financial Aid"; "Eligibility Criteria"; "Important Deadlines"; "Federal Pell Grants"; "Campus-Based Aid Programs"; "Federal & Direct Stafford Loans"; "PLUS Loans (Parent Loans)"; "Stafford & Plus Loan Questions"; "Contacting Us"; "Reducing the Cost of School"; and "Taking the Next Step." The publication also includes a list of frequently requested telephone numbers related to applying for student financial aid; a list of frequently requested Web sites related to applying for student financial aid; and a list of state agency telephone numbers. (SM)