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On this page:

• Financial Coaching Services
• Planning for University Costs
• Increasing Your Financial Literacy

Financial Coaching Services

Begin your journey to financial empowerment with a personalized financial coaching session.

Through coaching, workshops and events, the TU Career Center provides students with invaluable tools and personalized guidance to navigate their personal finances confidently.

We cover topics including:

• Budgeting and financial planning
• Saving and investing
• Credit and debt
• Student loans
• Salary negotiation
• Understanding employer benefits
• Life after graduation

Building strong financial habits early can forge a path for long-term stability and success.

Planning for University Costs

Understand the Cost of Attendance

Planning ahead helps reduce expenses and avoid financial issues. TU鈥檚 Financial Aid Office and Student and University Billing Office can help.

More about costs of attendance.

Financial Aid and Billing

The Financial Aid Office helps students apply for aid. Their award guide explains how to manage offers. The Student and University Billing Office handles billing, payments and rebates. They can also provide details on tuition, fees, deadlines and payment plans.

Contact the Financial Aid Office for aid options or the Billing Office for payment concerns. Addressing issues early prevents class cancellations and collections.

More about financial aid.

Aid Tips

• Compare aid offers to the estimated costs.
• Accept grants and scholarships first鈥攖hey don鈥檛 require repayment.
• Consider housing options for affordability.
• Borrow only what you need.

Enrollment and Withdrawal

Changing your enrollment impacts financial aid. Before withdrawing, review refund policies and contact Enrollment Services and Financial Aid.

Increasing Your Financial Literacy

Free Resources

is a free tool for TU students covering budgeting, credit, debt, and loans. To register:

1. Visit and click Register Now!
2. Enter code: 8607 and verify your TU email.
3. Start learning!

Understanding Loans

Student loans are a serious financial commitment. They must be repaid, even if you don鈥檛 graduate. Borrow wisely.

• Accept subsidized loans first鈥攖hey don鈥檛 accrue interest while in school.
• Parents borrowing for students should explore lower-interest options.
• to track loans, estimate payments, and explore repayment plans.

Budgeting

each semester. Plan for direct costs (tuition, housing, meals) and indirect costs (insurance, transportation, personal expenses). Students spend $300鈥�$400/month on food鈥攖rack and cut unnecessary spending.

Credit and Debt

Student loans are a major form of credit. On average, TU students graduate with about $28,000 in student loans. They remain in deferred status on your credit report until you no longer meet the deferment terms.

If you use a credit card to pay your bill, a 2.75% convenience fee (minimum $3.00) will be charged. Your student loans will show on your credit report but should be in 鈥渄eferred鈥� status, unless you don't meet the terms of the loan.

• regularly for errors.

Student loans and credit cards are typical forms of for college students. Other forms of dept include loans, rent, insurance and other bills.

To help manage your debt, consider:

• self-help tools to help you set a realistic budget
• debt relief services, such as credit counseling/settlement
• debt consolidation

Savings

Many students think it's impossible to save money while in school. But there are three possible sources of income you can use to save money:

• Financial aid rebates
• Tax refunds
• Earned income

Take what you need each semester to pay for out-of-pocket expenses and put the rest into a savings account.

One fact students overlook is that you have time on your side. You have time to let your money grow, even if you start saving with very little money. This is because over time, interest rates allow your money to and increase. Use this to see how to grow your savings!

Identity Theft

About 20% of identity theft victims are under 30, often targeted by someone they know. Learn to protect your digital identity.