{"id":4828,"date":"2022-12-15T14:31:51","date_gmt":"2022-12-15T21:31:51","guid":{"rendered":"https:\/\/in.nau.edu\/career\/?page_id=4828"},"modified":"2024-09-09T10:53:51","modified_gmt":"2024-09-09T17:53:51","slug":"financial-wellness","status":"publish","type":"page","link":"https:\/\/in.nau.edu\/career\/financial-wellness\/","title":{"rendered":"Financial wellness"},"content":{"rendered":"

Financial wellness<\/h1>\n
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.<\/p>\n\n\n
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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.<\/em><\/p>\n
Basics of managing your money<\/p>\n
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Budgeting<\/li>\n<\/ul>\n
<\/iframe><\/p>\n<ul>\n<li>Money skills workbook<\/li>\n<li><a href=\"https:\/\/www.canva.com\/design\/DAFPfzf_rC0\/eW4zva_GQmZAmu9nthUuXQ\/view?utm_content=DAFPfzf_rC0&utm_campaign=designshare&utm_medium=link&utm_source=editor\" target=\"_blank\" rel=\"noopener noreferrer\">9 tips for financial wellness<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/money-management-checklist.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Money management checklist for students<\/a><\/li>\n<li><a href=\"https:\/\/nau.edu\/office-of-scholarships-and-financial-aid\/budgeting-for-college\/\" target=\"_blank\" rel=\"noopener noreferrer\">NAU budgeting tools<\/a><\/li>\n<\/ul>\n<p>Banking<\/p>\n<ul>\n<li><a href=\"https:\/\/files.consumerfinance.gov\/f\/201507_cfpb_selecting-financial-products-and-services.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Choosing financial services to meet your needs<\/a><\/li>\n<li><a href=\"https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_adult-fin-ed_checklist-for-opening-an-account.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Opening a bank account checklist<\/a><\/li>\n<li>Credit card basics<\/li>\n<li>Debit card basics<\/li>\n<li><a href=\"https:\/\/www.consumer-action.org\/downloads\/alerts\/Switching_Banks.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Moving your checking account checklist<\/a><\/li>\n<li><a href=\"https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_adult-fin-ed_how-to-fix-mistakes-in-your-credit-bill.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Fixing errors in your credit card bill<\/a><\/li>\n<\/ul>\n<p>Banking security and identity theft<\/p>\n<ul>\n<li><a href=\"https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_adult-fin-ed_watch-accounts-closely-when-card-data-is-hacked_ZMw9zgY.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Navigating a data security breach<\/a><\/li>\n<li><a href=\"https:\/\/nelnet.com\/documents\/marketing\/pdf\/How-to-Avoid-Identity-Theft.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Avoid identity theft <\/a><\/li>\n<\/ul>\n<p>Credit<\/p>\n<ul>\n<li><a href=\"https:\/\/nelnet.com\/documents\/marketing\/pdf\/Credit-Card-Tips.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit card tips<\/a><\/li>\n<li><a href=\"https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_adult-fin-ed_how-to-find-the-best-credit-card.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Choosing the best credit card<\/a><\/li>\n<li>Credit history<\/li>\n<li><a href=\"https:\/\/consumerfed.org\/pdfs\/yourcreditscore.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">All about credit scores<\/a><\/li>\n<li><a href=\"https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_how-to-rebuild-your-credit.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Rebuilding your credit<\/a><\/li>\n<\/ul>\n<p>Managing debt<\/p>\n<ul>\n<li><a href=\"https:\/\/consumer.ftc.gov\/sites\/default\/files\/articles\/pdf\/pdf-0037-coping-with-debt.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Coping with debt<\/a><\/li>\n<\/ul>\n<p>Filing taxes<\/p>\n<ul>\n<li><a href=\"https:\/\/www.irs.gov\/filing\/individuals\/who-should-file\" target=\"_blank\" rel=\"noopener noreferrer\">Do I need to file a tax return?<\/a><\/li>\n<li><a href=\"https:\/\/www.irs.gov\/pub\/irs-pdf\/p5197.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Form 1098-T information<\/a><\/li>\n<li><a href=\"https:\/\/northlandfreetaxassistance.weebly.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Northland Free Tax Assistance<\/a><\/li>\n<\/ul>\n<p>Saving and investing<\/p>\n<ul>\n<li><a href=\"https:\/\/www.sec.gov\/investor\/pubs\/savings-investing-for-students.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Saving & Investing for Students<\/a><\/li>\n<li><a href=\"https:\/\/njaes.rutgers.edu\/money\/pdfs\/net-worth-calc-worksheet.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Calculating net worth worksheet<\/a><\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n <a class=\"shortcode-accordion__trigger\" data-header=\"Living expenses_2\" href=\"#\">\n <div class=\"shortcode-accordionheader\">\n <h4>Living expenses <span class=\"screen-reader-text\">Accordion Closed<\/span><\/h4>\n <span class=\"shortcode-accordionheaderarrow\"><\/span>\n <\/div>\n <\/a>\n <div class=\"shortcode-accordionbody\">\n <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n\n<p><em>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.<\/em><\/p>\n<p>Housing<\/p>\n<ul>\n<li><a href=\"https:\/\/files.consumerfinance.gov\/f\/201507_cfpb_ways-to-pay-your-bills.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">How to pay your bills<\/a><\/li>\n<li><a href=\"https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/203\/2019-01-OffCampusBrochure.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">LiveWell NAU off-campus housing document<\/a><\/li>\n<li><a href=\"https:\/\/louieslist.nau.edu\/\" target=\"_blank\" rel=\"noopener noreferrer\">Louie’s List<\/a><\/li>\n<\/ul>\n<p>Insurance<\/p>\n<ul>\n<li>Health insurance\n<ul>\n<li><a href=\"https:\/\/marketplace.cms.gov\/outreach-and-education\/value-of-health-insurance-english.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Health insurance basics<\/a><\/li>\n<li><a href=\"https:\/\/in.nau.edu\/campus-health-services\/major-medical-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\">NAU student health insurance<\/a><\/li>\n<li><a href=\"https:\/\/in.nau.edu\/campus-health-services\/louiecare\/\" target=\"_blank\" rel=\"noopener noreferrer\">LouieCare<\/a><\/li>\n<li><a href=\"https:\/\/www.iii.org\/sites\/default\/files\/docs\/pdf\/9Ways1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">9 ways to lower your auto insurance costs<\/a><\/li>\n<li><a href=\"https:\/\/www.iii.org\/sites\/default\/files\/docs\/pdf\/renters_insur_070717.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Renter’s insurance information<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Ways to save<\/p>\n<ul>\n<li><a href=\"https:\/\/nelnet.com\/documents\/marketing\/pdf\/Strategies-To-Save-Money.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Money saving strategies checklist<\/a><\/li>\n<li><a href=\"https:\/\/events.nau.edu\/\" target=\"_blank\" rel=\"noopener noreferrer\">Free on-campus event calendar<\/a><\/li>\n<li><a href=\"https:\/\/www.flagstaff.com\/free-things-to-do\" target=\"_blank\" rel=\"noopener noreferrer\">Free things to do in Flagstaff<\/a><\/li>\n<li><a href=\"https:\/\/www.flagstaffpubliclibrary.org\/news\/introducing-culture-passes\" target=\"_blank\" rel=\"noopener noreferrer\">Flagstaff Library culture passes<\/a><\/li>\n<\/ul>\n<p>NAU and community resources<\/p>\n<ul>\n<li>Food assistance\n<ul>\n<li><a href=\"https:\/\/in.nau.edu\/dean-of-students\/louies-cupboard\/\" target=\"_blank\" rel=\"noopener noreferrer\">Louie’s Cupboard<\/a><\/li>\n<li><a href=\"https:\/\/in.nau.edu\/dean-of-students\/meal-swipes-for-jacks\/\" target=\"_blank\" rel=\"noopener noreferrer\">Meal Swipes for Jacks<\/a><\/li>\n<li><a href=\"https:\/\/azfoodbanks.org\/college\/\" target=\"_blank\" rel=\"noopener noreferrer\">SNAP guide for students<\/a><\/li>\n<\/ul>\n<\/li>\n<li>Childcare support\n<ul>\n<li>Higher Education Childcare Project<\/li>\n<\/ul>\n<\/li>\n<li>Course materials\n<ul>\n<li><a href=\"https:\/\/in.nau.edu\/dean-of-students\/emergency-textbook-loan-program\/\" target=\"_blank\" rel=\"noopener noreferrer\">Emergency textbook loan program<\/a><\/li>\n<li><a href=\"https:\/\/nau.edu\/library\/laptops-equipment\" target=\"_blank\" rel=\"noopener noreferrer\">Cline Library technology lending services<\/a><\/li>\n<li>Lumberjack Emergency Assistance Fund<\/li>\n<li><a href=\"https:\/\/in.nau.edu\/livewellnau\/financial-wellness\/\" target=\"_blank\" rel=\"noopener noreferrer\">NAU Livewell Financial Wellness<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n <a class=\"shortcode-accordion__trigger\" data-header=\"Paying for school_3\" href=\"#\">\n <div class=\"shortcode-accordionheader\">\n <h4>Paying for school <span class=\"screen-reader-text\">Accordion Closed<\/span><\/h4>\n <span class=\"shortcode-accordionheaderarrow\"><\/span>\n <\/div>\n <\/a>\n <div class=\"shortcode-accordionbody\">\n <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n\n<p><em>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.<\/em><\/p>\n<p>Financial aid overview<\/p>\n<ul>\n<li>Overview<\/li>\n<\/ul>\n<p><iframe loading=\"lazy\" title=\"Overview of the Financial Aid Process\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/H_iS7gmQd9o?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<ul>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/types-of-aid.png\" target=\"_blank\" rel=\"noopener noreferrer\">Types of aid<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/types-of-aid-spanish.png\" target=\"_blank\" rel=\"noopener noreferrer\">Tipos de ayuda económica<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/financial-aid-process.png\" target=\"_blank\" rel=\"noopener noreferrer\">Financial aid process<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/financial-aid-process-spanish.png\" target=\"_blank\" rel=\"noopener noreferrer\">El proceso de ayuda económica<\/a><\/li>\n<\/ul>\n<p>Student loans<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Responsible borrowing<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><iframe loading=\"lazy\" title=\"Responsible Borrowing\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/mTHtn0FRMWw?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<ul>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/direct-loan-basics-students.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Federal loan basics<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/direct-loan-basics-students-spanish.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Préstamos federales para estudiantes<\/a><\/li>\n<li><a href=\"https:\/\/nelnet.com\/documents\/marketing\/pdf\/Life-Of-A-Student-Loan.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Life of a student loan<\/a><\/li>\n<li><a href=\"https:\/\/nelnetschoolportal.com\/wp-content\/uploads\/9520_2017_10_Things_to_Know_About_Student_Loans_pg15_508_FNL.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">10 things to know about student loans<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/eligibility.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Federal student loan eligibility<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/eligibility-spanish.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Requisitos para recibir Ayuda Federal para Estudiantes<\/a><\/li>\n<li><a href=\"https:\/\/www.inceptia.org\/PDF\/Inceptia_5QuickStepsNSLDS.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">5 quick steps to navigate the National Student Loan Data System<\/a><\/li>\n<li><a href=\"https:\/\/nelnet.com\/documents\/marketing\/pdf\/trouble-making-payments.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Student loan deferment and forbearance<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/dont-get-scammed.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Don’t get scammed<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/student-aid-and-identity-theft.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Avoid student identity theft<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/loan-entrance-counseling-color.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Direct loan entrance counseling guide<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/exit-counseling.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Direct loan exit counseling guide<\/a><\/li>\n<\/ul>\n<p>Other financial aid options<\/p>\n<ul>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/federal-grant-programs.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Federal grant programs<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/federal-grant-programs-spanish.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Programas de becas federales para estudiantes<\/a><\/li>\n<\/ul>\n<p>FAFSA<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/fafsa-process.png\" target=\"_blank\" rel=\"noopener noreferrer\">FAFSA process overview<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/fafsa-process-spanish.png\" target=\"_blank\" rel=\"noopener noreferrer\">El proceso de la FAFSA<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/resources\" target=\"_blank\" rel=\"noopener noreferrer\">FAFSA resource page<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/dependency-status.png\" target=\"_blank\" rel=\"noopener noreferrer\">Do I have to provide my parents’ information on the FAFSA?<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/dependency-status-spanish.png\" target=\"_blank\" rel=\"noopener noreferrer\">¿Tengo que brindar información de mis padres en el formulario FAFSA?<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/es\/help\/who-is-parent\" target=\"_blank\" rel=\"noopener noreferrer\">Who is my parent for FAFSA purposes?<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/es\/help\/who-is-parent\" target=\"_blank\" rel=\"noopener noreferrer\">¿A quién le corresponde ser mi padre o madre cuando lleno el formulario FAFSA?<\/a><\/li>\n<li>After the FAFSA: what happens next<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><iframe loading=\"lazy\" title=\"Next Steps After Submitting the 2023−24 FAFSA® Form\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/1c1gNefSw78?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>Scholarship resources<\/p>\n<ul>\n<li><a href=\"https:\/\/nau.edu\/office-of-scholarships-and-financial-aid\/scholarships\/\" target=\"_blank\" rel=\"noopener noreferrer\">NAU scholarships<\/a><\/li>\n<li><a href=\"https:\/\/nau.edu\/office-of-scholarships-and-financial-aid\/nau-department-scholarships\/\" target=\"_blank\" rel=\"noopener noreferrer\">NAU scholarships by area of study<\/a><\/li>\n<li><a href=\"https:\/\/www.azfoundation.org\/scholarship-seekers\/\" target=\"_blank\" rel=\"noopener noreferrer\">Arizona Community Foundation scholarships<\/a><\/li>\n<li><a href=\"https:\/\/www.elks.org\/scholars\/\" target=\"_blank\" rel=\"noopener noreferrer\">Elks National Foundation Scholarships<\/a><\/li>\n<li><a href=\"https:\/\/www.careeronestop.org\/toolkit\/training\/find-scholarships.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">US Department of Labor Scholarship Search<\/a><\/li>\n<li><a href=\"https:\/\/bigfuture.collegeboard.org\/pay-for-college\/scholarship-directory\" target=\"_blank\" rel=\"noopener noreferrer\">CollegeBoard Scholarship Search<\/a><\/li>\n<\/ul>\n<p>Information for specific identities and circumstances<\/p>\n<ul>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/military-student-loan-benefits.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Military student loan benefits<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/scholarships-for-military.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Scholarships for military families<\/a><\/li>\n<li>Financial aid FAQs for undocumented students<\/li>\n<li>Ayuda económica para estudiantes indocumentados<\/li>\n<li><a href=\"https:\/\/studentaid.gov\/help-center\/answers\/article\/can-i-receive-federal-student-aid-if-i-was-or-am-in-foster-care\" target=\"_blank\" rel=\"noopener noreferrer\">Financial aid for students currently or formerly in foster care<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/apply-for-aid\/fafsa\/filling-out\/homeless\" target=\"_blank\" rel=\"noopener noreferrer\">Student aid FAQs for homeless youth<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/international-students.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Information for international students<\/a><\/li>\n<li><a href=\"https:\/\/nau.edu\/office-of-scholarships-and-financial-aid\/diverse-populations\/\" target=\"_blank\" rel=\"noopener noreferrer\">NAU financial aid for specific identities and circumstances<\/a><\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n <a class=\"shortcode-accordion__trigger\" data-header=\"Graduation and beyond_4\" href=\"#\">\n <div class=\"shortcode-accordionheader\">\n <h4>Graduation and beyond <span class=\"screen-reader-text\">Accordion Closed<\/span><\/h4>\n <span class=\"shortcode-accordionheaderarrow\"><\/span>\n <\/div>\n <\/a>\n <div class=\"shortcode-accordionbody\">\n <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n\n<p><em>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.<\/em><\/p>\n<p>Graduation expenses<\/p>\n<ul>\n<li><a href=\"https:\/\/in.nau.edu\/asnau\/resources\/cap-gown-closet\/\" target=\"_blank\" rel=\"noopener noreferrer\">NAU cap & gown closet<\/a><\/li>\n<\/ul>\n<p>Post-graduation resources<\/p>\n<ul>\n<li><a href=\"https:\/\/publications.inceptia.org\/view\/543956061\/\" target=\"_blank\" rel=\"noopener noreferrer\">Great Advice for Grads 2022<\/a><\/li>\n<\/ul>\n<p>Repaying student loans<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Repaying your student loans<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><iframe loading=\"lazy\" title=\"Student Loan Repayment Options\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/Nqs0CvY-PmI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<ul>\n<li><a href=\"https:\/\/studentaid.gov\/debt-relief\/application\" target=\"_blank\" rel=\"noopener noreferrer\">Federal Student Loan Debt Relief application 2022-2023<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/pslf-infographic.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Public Service Loan Forgiveness<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/repaying-your-loans.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Repaying your student loans<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/repaying-your-loans-spanish.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Pago de sus préstamos<\/a><\/li>\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=flG4gFIiZzU\" target=\"_blank\" rel=\"noopener noreferrer\">Trouble making your loan payments video<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/trouble-paying-graphic.png\" target=\"_blank\" rel=\"noopener noreferrer\">Are you having trouble making your federal student loan payments?<\/a><\/li>\n<li><a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/trouble-paying-graphic-spanish.png\" target=\"_blank\" rel=\"noopener noreferrer\">¿Tiene problemas para realizar los pagos de su Préstamo Federal para Estudiantes?<\/a><\/li>\n<\/ul>\n<p>Big purchases<\/p>\n<ul>\n<li><a href=\"https:\/\/www.consumerfinance.gov\/consumer-tools\/educator-tools\/buying-a-car\/\" target=\"_blank\" rel=\"noopener noreferrer\">Guide and checklist for buying a car <\/a><\/li>\n<li><a href=\"https:\/\/files.consumerfinance.gov\/f\/documents\/201606_cfpb_auto-loan-worksheet.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Comparing auto loans worksheet<\/a><\/li>\n<li><a href=\"https:\/\/files.consumerfinance.gov\/f\/201503_cfpb_your-home-loan-toolkit-web.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Home loan toolkit<\/a><\/li>\n<li><a href=\"https:\/\/files.consumerfinance.gov\/f\/documents\/201612_cfpb_HomebuyersMilestoneMap.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Roadmap for buying a home<\/a><\/li>\n<\/ul>\n<p>Get started saving for retirement<\/p>\n<ul>\n<li><a href=\"https:\/\/www.dol.gov\/sites\/dolgov\/files\/ebsa\/about-ebsa\/our-activities\/resource-center\/publications\/savings-fitness.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Savings Fitness<\/a><\/li>\n<li><a href=\"https:\/\/www.dol.gov\/sites\/dolgov\/files\/ebsa\/about-ebsa\/our-activities\/resource-center\/publications\/top-10-ways-to-prepare-for-retirement.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Ten ways to prepare for retirement now<\/a><\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n<p><em><a href=\"#top\">Return to top<\/a><\/em><\/p>\n<hr \/>\n<p><a name=\"classificationFAQs\"><\/a><\/p>\n<h2>Free apps and digital resources<\/h2>\n<p><em>Check out these free money management apps and digital resources to conveniently keep track of your finances from your phone or computer.<\/em><\/p>\n\n<div class='shortcode-tab-container tab-count-2'>\n <ul class='tabs'>\n <li class=\"tab\">\n <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"Budget for yourself_1\">\n <div class=\"shortcode-tab-header selected\">\n <h4>\n Budget for yourself <span class=\"screen-reader-text\">Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <li class=\"tab\">\n <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"Budget with family_2\">\n <div class=\"shortcode-tab-header \">\n <h4>\n Budget with family <span class=\"screen-reader-text\">Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n<div class=\"shortcode-accordion \" style=\"position: relative;\" >\n <a class=\"shortcode-accordion__trigger\" data-header=\"Budget for yourself_1\" href=\"#\">\n <div class=\"shortcode-accordionheader\">\n <h4>Budget for yourself <span class=\"screen-reader-text\">Accordion Open<\/span><\/h4>\n <span class=\"shortcode-accordionheaderarrow\"><\/span>\n <\/div>\n <\/a>\n <div class=\"shortcode-accordionbody\">\n <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n\n<p><a href=\"https:\/\/mint.intuit.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Mint<\/a><\/p>\n<ul>\n<li>Create budget categories<\/li>\n<li>Get notifications when you are approaching your budget limit<\/li>\n<li>Bill reminders<\/li>\n<li>Credit score<\/li>\n<li>Money management tips<\/li>\n<\/ul>\n<p><a href=\"https:\/\/pocketguard.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Pocketguard <\/a><\/p>\n<ul>\n<li>Track your expenses (automatically or manually)<\/li>\n<li>Bill reminders<\/li>\n<li>Budgeting<\/li>\n<li>Visual chart of spending<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.ramseysolutions.com\/ramseyplus\/everydollar?gclid=Cj0KCQjwkOqZBhDNARIsAACsbfKewqRojXb-sk3iEk3Cs01_2ytPVTNLb-PIFhY7eTfSV4asVlIWmbgaAvJ0EALw_wcB\" target=\"_blank\" rel=\"noopener noreferrer\">Everydollar<\/a><\/p>\n<ul>\n<li>Allocate your income to different expense and savings categories<\/li>\n<li>Money management tips<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n <a class=\"shortcode-accordion__trigger\" data-header=\"Budget with family_2\" href=\"#\">\n <div class=\"shortcode-accordionheader\">\n <h4>Budget with family <span class=\"screen-reader-text\">Accordion Closed<\/span><\/h4>\n <span class=\"shortcode-accordionheaderarrow\"><\/span>\n <\/div>\n <\/a>\n <div class=\"shortcode-accordionbody\">\n <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n\n<p><a href=\"https:\/\/www.honeydue.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Honeydue<\/a><\/p>\n<ul>\n<li>Track finances with your partner<\/li>\n<li>Choose how much information to share with your partner<\/li>\n<li>Categorize expenses<\/li>\n<li>Set monthly limits on categories and get notifications when you’re getting close<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.wally.me\/\" target=\"_blank\" rel=\"noopener noreferrer\">Wally<\/a><\/p>\n<ul>\n<li>Visual overview of spending<\/li>\n<li>Calendar view of bills<\/li>\n<li>Group budgeting option for families<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n<p><em><a href=\"#top\">Return to top<\/a><\/em><\/p>\n<hr \/>\n<p><a name=\"classificationFAQs\"><\/a><\/p>\n\n<div class=\"shortcode-right-column\" >\n <div class=\"shortcode-right-column__container\">\n\n<div class=\"shortcode-contact\">\n <div class=\"contact-header\">\n <h3>Contact Career Development<\/h3>\n <\/div>\n <div class=\"contact-body\">\n <a href=\"mailto:Career@nau.edu\" aria-label=\"Contact Career Development: Email Address\" title=\"Email Address\">\n <div class=\"contact-icon-container\">\n <i class=\"fas fa-envelope\" aria-hidden=\"true\"><\/i>\n <span class=\"sr-only\">Email:<\/span>\n <\/div>\n <div class=\"contact-email\">Career@nau.edu<\/div>\n <\/a>\n <a href=\"tel:928-523-1087\" aria-label=\"Contact Career Development: Telephone Number\" title=\"Telephone Number\">\n <div class=\"contact-icon-container\">\n <i class=\"fas fa-phone\" aria-hidden=\"true\"><\/i>\n <span class=\"sr-only\">Call:<\/span>\n <\/div>\n <div class=\"contact-phone\">928-523-1087<\/div>\n <\/a>\n <\/div>\n<\/div>\n\n\n<p><a href=\"https:\/\/in.nau.edu\/livewellnau\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5098 size-square-image\" src=\"https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/204\/Live-Well-NAU-graphic-financial-300x300.png\" alt=\"LIVE WELL FINANCIAL LOGO\" width=\"300\" height=\"300\" srcset=\"https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/204\/Live-Well-NAU-graphic-financial-300x300.png 300w, https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/204\/Live-Well-NAU-graphic-financial-1024x1024.png 1024w, https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/204\/Live-Well-NAU-graphic-financial-150x150.png 150w, https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/204\/Live-Well-NAU-graphic-financial-768x768.png 768w, https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/204\/Live-Well-NAU-graphic-financial-1536x1536.png 1536w, https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/204\/Live-Well-NAU-graphic-financial-2048x2048.png 2048w, https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/204\/Live-Well-NAU-graphic-financial-600x600.png 600w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>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 […]<\/p>\n","protected":false},"author":566,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","ring_central_script_selection":"","footnotes":""},"class_list":["post-4828","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/in.nau.edu\/career\/wp-json\/wp\/v2\/pages\/4828","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/in.nau.edu\/career\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/in.nau.edu\/career\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/in.nau.edu\/career\/wp-json\/wp\/v2\/users\/566"}],"replies":[{"embeddable":true,"href":"https:\/\/in.nau.edu\/career\/wp-json\/wp\/v2\/comments?post=4828"}],"version-history":[{"count":65,"href":"https:\/\/in.nau.edu\/career\/wp-json\/wp\/v2\/pages\/4828\/revisions"}],"predecessor-version":[{"id":6567,"href":"https:\/\/in.nau.edu\/career\/wp-json\/wp\/v2\/pages\/4828\/revisions\/6567"}],"wp:attachment":[{"href":"https:\/\/in.nau.edu\/career\/wp-json\/wp\/v2\/media?parent=4828"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}