Every high school graduate with a Social Security Number is entitled to free or cheap money to pay for college. Completing the FAFSA is the first step in the process. More than 13 million students apply each year. Make sure you are one of them so you don't miss out on money for college.

There's a limited pot of money, and applying late puts you at risk of missing out on financial aid you might be eligible for.

The bottom line is that there's money that's out there for the taking, and it's a shame not to apply.

We're strongly positioned to adjust to the changes in the law.

Visiting a college campus will help students and families get a true feel for the school. And spring break is a perfect time for these visits to occur.

The key to the process is getting organized and meeting deadlines. Set up a file with information about all financial aid programs and keep financial documents, such as last year's tax forms and recent bank statements, on hand. Track deadlines for college, scholarship and financial aid applications, and keep a copy of every form you submit.

It's the moment of truth. You made it through the admissions process, and your child was accepted. Now you and your child are going to have to figure out how to pay for it.

Small amounts add up quickly and make a significant dent in students' financial needs. Every bit helps, and you'll find it's well worth the effort of applying.

It is important for students to choose a college where they feel comfortable and have the opportunity to excel academically and personally. When it comes to evaluating schools to select the best fit, nothing beats a first-hand look.