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Financial Aid

East Tennessee State University

What is Financial Literacy? The President's Advisory Council on Financial Literacy defines personal financial literacy as "the ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being."

Personal financial literacy is more than just being able to balance a checkbook, compare prices or get a job. It also includes skills like long-term vision and planning for the future, and the discipline to use those skills every day. The decisions you make now, from choosing which student loan to borrow to how you use a credit card, will affect you for years after you graduate.

Helpful Links

Federal Loan Programs

Budgeting Tips

Free Credit Reports (not credit scores) are available at

Repayment Plans

Responsible Borrower

Repayment Calculator

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