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Financial wellness
Financial wellness requires awareness of your current financial situation, as well as the knowledge and skills to maintain or improve it. This includes making informed decisions about your money and having financial self-efficacy. It involves keeping track of your financial assets and liabilities, setting and working towards your goals, and building positive, lifelong money management habits. Career Development aims to share tools and resources to support your financial wellness throughout your time as a student and into your post-graduation life.
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Money management Tab Open
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Living expenses Tab Closed
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Paying for school Tab Closed
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Graduation and beyond Tab Closed
Money management Accordion Open
How do I open a bank account? Why should I care about my credit score? Do I need to file taxes as a student? Start here to find resources and information about banking, credit, managing debt, saving and investing, and more.
Basics of managing your money
- Budgeting
- Money skills workbook
- 9 tips for financial wellness
- Money management checklist for students
- NAU budgeting tools
Banking
- Choosing financial services to meet your needs
- Opening a bank account checklist
- Credit card basics
- Debit card basics
- Moving your checking account checklist
- Fixing errors in your credit card bill
Banking security and identity theft
Credit
- Credit card tips
- Choosing the best credit card
- Credit history
- All about credit scores
- Rebuilding your credit
Managing debt
Filing taxes
Saving and investing
Living expenses Accordion Closed
Whether you are living on your own for the first time, moving in with a friend or partner, or supporting your family while in school, living expenses can add up. Check out these resources on off-campus housing, insurance, NAU and community resources, and more.
Housing
Insurance
- Health insurance
Ways to save
- Money saving strategies checklist
- Free on-campus event calendar
- Free things to do in Flagstaff
- Flagstaff Library culture passes
NAU and community resources
- Food assistance
- Childcare support
- Higher Education Childcare Project
- Course materials
- Emergency textbook loan program
- Cline Library technology lending services
- Lumberjack Emergency Assistance Fund
- NAU Livewell Financial Wellness
Paying for school Accordion Closed
Financing your education is a big investment. These resources can help you better understand your options and get started. If you are employed while in school, don’t forget to ask your employer about any tuition assistance or educational assistance programs they might offer.
Financial aid overview
- Overview
Student loans
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- Responsible borrowing
- Federal loan basics
- Préstamos federales para estudiantes
- Life of a student loan
- 10 things to know about student loans
- Federal student loan eligibility
- Requisitos para recibir Ayuda Federal para Estudiantes
- 5 quick steps to navigate the National Student Loan Data System
- Student loan deferment and forbearance
- Don’t get scammed
- Avoid student identity theft
- Direct loan entrance counseling guide
- Direct loan exit counseling guide
Other financial aid options
FAFSA
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- FAFSA process overview
- El proceso de la FAFSA
- FAFSA resource page
- Do I have to provide my parents’ information on the FAFSA?
- ¿Tengo que brindar información de mis padres en el formulario FAFSA?
- Who is my parent for FAFSA purposes?
- ¿A quién le corresponde ser mi padre o madre cuando lleno el formulario FAFSA?
- After the FAFSA: what happens next
Scholarship resources
- NAU scholarships
- NAU scholarships by area of study
- Arizona Community Foundation scholarships
- Elks National Foundation Scholarships
- US Department of Labor Scholarship Search
- CollegeBoard Scholarship Search
Information for specific identities and circumstances
- Military student loan benefits
- Scholarships for military families
- Financial aid FAQs for undocumented students
- Ayuda económica para estudiantes indocumentados
- Financial aid for students currently or formerly in foster care
- Student aid FAQs for homeless youth
- Information for international students
- NAU financial aid for specific identities and circumstances
Graduation and beyond Accordion Closed
Financial wellness is a lifelong endeavor, and many people experience changes in their financial situation after graduation. Make sure you have the information you need to make decisions about repaying student loans, saving for retirement, and planning for your future.
Graduation expenses
Post-graduation resources
Repaying student loans
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- Repaying your student loans
- Federal Student Loan Debt Relief application 2022-2023
- Public Service Loan Forgiveness
- Repaying your student loans
- Pago de sus préstamos
- Trouble making your loan payments video
- Are you having trouble making your federal student loan payments?
- ¿Tiene problemas para realizar los pagos de su Préstamo Federal para Estudiantes?
Big purchases
- Guide and checklist for buying a car
- Comparing auto loans worksheet
- Home loan toolkit
- Roadmap for buying a home
Get started saving for retirement
Free apps and digital resources
Check out these free money management apps and digital resources to conveniently keep track of your finances from your phone or computer.
Budget for yourself Accordion Open
- Create budget categories
- Get notifications when you are approaching your budget limit
- Bill reminders
- Credit score
- Money management tips
- Track your expenses (automatically or manually)
- Bill reminders
- Budgeting
- Visual chart of spending
- Allocate your income to different expense and savings categories
- Money management tips