When Does FAFSA Send Money: A Comprehensive Guide

FAFSA, the Free Application for Federal Student Aid, typically sends money, in the form of financial aid, to your school approximately the fourth week of the semester; let’s delve into the specifics of when and how you can expect to receive your financial aid funds, understanding the disbursement process, and maximizing your financial resources at money-central.com. This guide offers clarity and actionable steps for students and families navigating the financial aid landscape. Stay informed about college funding, government aid, and student grants to make the most of available resources.

1. Understanding the FAFSA Disbursement Timeline

The question of when does FAFSA send money is a crucial one for students relying on financial aid to cover their educational expenses. Understanding the timeline can help you plan your finances effectively and avoid any unnecessary stress. Let’s break down the typical disbursement process:

• FAFSA Application Submission: The first step is to complete and submit the FAFSA form. The sooner you submit your FAFSA, the better, as funds are often distributed on a first-come, first-served basis.
• Processing Time: After submitting your FAFSA, it takes a few days for the application to be processed. Once processed, the information is sent to the schools you listed on your FAFSA form.
• Award Letter: The financial aid office at your school will review your FAFSA information and determine your eligibility for various types of aid, including grants, loans, and work-study programs. They will then send you an award letter detailing the financial aid package you are eligible to receive.
• Acceptance of Award: Review your award letter carefully and accept the aid you wish to receive. Keep in mind that you can accept all, some, or none of the aid offered.
• Disbursement: The actual disbursement of funds usually begins around the fourth week of the semester. This is when the school applies the financial aid to your tuition, fees, and other charges. Any remaining funds are then refunded to you.

1.1 Factors Affecting Disbursement Timing

Several factors can affect when you receive your FAFSA funds. Being aware of these can help you anticipate and address any potential delays.

• School’s Disbursement Schedule: Each school has its own disbursement schedule. Some schools may disburse funds earlier or later than others. Check with your school’s financial aid office for their specific disbursement dates.
• Enrollment Status: Your enrollment status (full-time, part-time, etc.) can affect when your funds are disbursed. Financial aid is often based on full-time enrollment, so if you are enrolled part-time, your award may be adjusted, and disbursement may be delayed.
• Verification Process: Sometimes, the Department of Education selects FAFSA applications for verification. If your application is selected, you will need to provide additional documentation to confirm the information you provided on your FAFSA form. This process can delay the disbursement of your funds.
• Entrance Counseling and Master Promissory Note (MPN): If you are a first-time loan borrower, you may need to complete entrance counseling and sign a Master Promissory Note (MPN) before your loan funds can be disbursed.
• Satisfactory Academic Progress (SAP): You must maintain satisfactory academic progress to continue receiving financial aid. If you fall below the required GPA or fail to complete enough credits, your aid may be suspended, and disbursement will be delayed.

1.2 Common Reasons for Delays in FAFSA Disbursement

Understanding the common reasons for delays can help you proactively address potential issues and ensure that you receive your funds on time.

• Incomplete FAFSA Application: Make sure you complete all sections of the FAFSA form accurately. Missing or incorrect information can cause delays.
• Verification Requirements: Respond promptly to any requests for verification documents. The sooner you submit the required documents, the sooner your aid can be processed.
• Conflicting Information: If there is conflicting information on your FAFSA form or other documents, the financial aid office may need to resolve the discrepancies before disbursing your funds.
• Late Submission: Submitting your FAFSA after the priority deadline can delay the processing of your application and the disbursement of your funds.
• Changes in Enrollment Status: If you drop classes or change your enrollment status, your financial aid award may need to be adjusted, which can delay disbursement.

To avoid these delays, double-check your FAFSA application for accuracy, respond promptly to any requests from the financial aid office, and stay on top of deadlines.

2. Step-by-Step Guide to Receiving FAFSA Funds

Receiving FAFSA funds involves several steps, each of which is crucial to ensuring that you receive your aid on time. Let’s walk through the process step by step:

1. Complete the FAFSA Form: The first step is to complete the Free Application for Federal Student Aid (FAFSA) form. You can access the FAFSA form online at the official Department of Education website.

   • Key Information Needed: Gather all necessary documents and information before starting the application. This includes your Social Security number, driver’s license number, tax returns, bank statements, and records of any untaxed income.
   • Accuracy is Crucial: Ensure that all information you provide is accurate and up-to-date. Errors or inconsistencies can delay the processing of your application.
   • FAFSA Deadlines: Be aware of the FAFSA deadlines. The federal deadline is typically June 30th of each year, but many states and schools have earlier deadlines. Check with your state and school to ensure you meet their deadlines.

2. School Selection: When completing the FAFSA form, you will need to list the schools you are interested in attending. The schools you list will receive your FAFSA information and determine your eligibility for financial aid.

   • Listing Multiple Schools: You can list up to ten schools on the FAFSA form. Make sure to list all the schools you are considering, even if you haven’t been accepted yet.
   • School Codes: Each school has a unique code that you will need to enter on the FAFSA form. You can find the school codes on the FAFSA website or by contacting the school’s financial aid office.

3. Review Your Student Aid Report (SAR): After you submit your FAFSA form, you will receive a Student Aid Report (SAR). The SAR summarizes the information you provided on your FAFSA form and provides an estimate of your Expected Family Contribution (EFC).

   • Correcting Errors: Review your SAR carefully for any errors or inconsistencies. If you find any errors, you can correct them online through the FAFSA website.
   • Understanding Your EFC: Your EFC is an estimate of how much your family is expected to contribute to your education. The financial aid office will use your EFC to determine your eligibility for financial aid.

4. Receive and Review Your Award Letter: The financial aid office at each school you listed on your FAFSA form will review your information and send you an award letter. The award letter details the financial aid package you are eligible to receive, including grants, loans, and work-study programs.

   • Comparing Award Letters: If you applied to multiple schools, compare the award letters carefully to determine which school offers the best financial aid package.
   • Understanding Different Types of Aid: Make sure you understand the different types of aid offered in your award letter. Grants are gift aid that you don’t have to repay, while loans are borrowed money that you will need to repay with interest. Work-study programs allow you to earn money by working part-time while you are in school.

5. Accept Your Financial Aid Award: Once you have reviewed your award letter, you will need to accept the aid you wish to receive. You can accept all, some, or none of the aid offered.

   • Accepting Loans: If you choose to accept loans, make sure you understand the terms and conditions of the loan, including the interest rate, repayment schedule, and any fees.
   • Meeting Deadlines: Be aware of the deadlines for accepting your financial aid award. If you miss the deadline, you may lose your eligibility for aid.

6. Complete Entrance Counseling and Sign a Master Promissory Note (MPN): If you are a first-time loan borrower, you will need to complete entrance counseling and sign a Master Promissory Note (MPN) before your loan funds can be disbursed.

   • Entrance Counseling: Entrance counseling provides information about your rights and responsibilities as a loan borrower.
   • Master Promissory Note (MPN): The MPN is a legally binding agreement in which you promise to repay your loan.

7. Funds Disbursed to Your School: Once you have completed all the necessary steps, the financial aid funds will be disbursed to your school. The school will apply the funds to your tuition, fees, and other charges.

8. Receive Your Refund (If Applicable): If the financial aid funds exceed the amount you owe to the school, you will receive a refund. The refund can be used to cover other educational expenses, such as books, supplies, and living expenses.

   • BankMobile: Many schools use BankMobile to process refunds. You will need to set up a BankMobile account to receive your refund.
   • Refund Timing: The timing of your refund will depend on your school’s disbursement schedule. Check with your school’s financial aid office for more information.

By following these steps carefully, you can ensure that you receive your FAFSA funds on time and avoid any unnecessary delays.

3. What to Do If Your FAFSA Funds Are Delayed

Delays in receiving FAFSA funds can be stressful, but there are steps you can take to address the issue and get your aid disbursed as quickly as possible.

1. Check Your Student Account: The first step is to check your student account to see if the funds have been applied. You can usually access your student account online through your school’s website.

2. Contact the Financial Aid Office: If the funds have not been applied to your account, contact the financial aid office immediately. They can help you determine the reason for the delay and provide guidance on how to resolve the issue.

   • Be Prepared with Information: When you contact the financial aid office, be prepared to provide your name, student ID number, and any relevant information about your FAFSA application.
   • Ask Specific Questions: Ask specific questions about the status of your aid, the reason for the delay, and what steps you can take to resolve the issue.

3. Review Your Student Aid Report (SAR): Review your Student Aid Report (SAR) to ensure that all the information is accurate and that there are no errors or inconsistencies.

   • Correct Errors: If you find any errors on your SAR, correct them online through the FAFSA website.

4. Respond to Verification Requests: If your FAFSA application was selected for verification, make sure you have submitted all the required documents. Delays in submitting verification documents can significantly delay the disbursement of your funds.

5. Check Your Enrollment Status: Make sure you are enrolled in the required number of credits to be eligible for financial aid. If you have dropped classes or changed your enrollment status, your aid may be adjusted, which can delay disbursement.

6. Complete Entrance Counseling and Sign a Master Promissory Note (MPN): If you are a first-time loan borrower, make sure you have completed entrance counseling and signed a Master Promissory Note (MPN). These are required before your loan funds can be disbursed.

7. Explore Alternative Funding Options: If you are experiencing a significant delay in receiving your FAFSA funds, explore alternative funding options to cover your educational expenses in the meantime.

   • Payment Plans: Many schools offer payment plans that allow you to pay your tuition in installments.
   • Private Loans: Consider taking out a private student loan to cover your expenses. However, be sure to compare interest rates and terms carefully before taking out a private loan.
   • Emergency Funds: If you have access to emergency funds, consider using them to cover your expenses until your FAFSA funds are disbursed.

8. Escalate the Issue: If you have taken all the above steps and are still experiencing delays, consider escalating the issue to a higher authority.

   • Ombudsman: Contact the school’s ombudsman, who can help mediate disputes between students and the financial aid office.
   • Department of Education: If you are unable to resolve the issue with the school, you can contact the Department of Education for assistance.

By taking these steps, you can address delays in receiving your FAFSA funds and ensure that you have the resources you need to continue your education.

4. Maximizing Your Financial Aid Resources

Beyond understanding when does FAFSA send money, it’s equally important to maximize the financial aid resources available to you. Effective management and planning can significantly ease the financial burden of education.

4.1 Tips for Maximizing FAFSA Benefits

• Apply Early: As mentioned earlier, apply for FAFSA as early as possible. Funds are often distributed on a first-come, first-served basis, so applying early increases your chances of receiving the maximum amount of aid.
• Accurate Information: Provide accurate and up-to-date information on your FAFSA form. Errors or inconsistencies can delay the processing of your application and reduce the amount of aid you are eligible to receive.
• List All Schools: List all the schools you are considering on your FAFSA form. This allows each school to review your information and determine your eligibility for financial aid.
• Understand Your Award Letter: Carefully review your award letter and understand the different types of aid offered. Make sure you understand the terms and conditions of any loans you accept.
• Appeal If Necessary: If you believe your financial situation has changed significantly since you filed your FAFSA, you can appeal to the financial aid office for additional aid.
• Seek Additional Scholarships and Grants: FAFSA is not the only source of financial aid. Explore additional scholarships and grants from other sources to supplement your FAFSA benefits.

4.2 Exploring Additional Scholarship and Grant Opportunities

• Federal Grants: In addition to FAFSA, explore other federal grant programs, such as the Federal Supplemental Educational Opportunity Grant (FSEOG).
• State Grants: Many states offer grant programs for students attending schools within the state. Check with your state’s higher education agency for more information.
• Institutional Scholarships: Contact the financial aid office at your school to learn about institutional scholarships offered by the school.
• Private Scholarships: Search for private scholarships online through websites like Sallie Mae, Scholarships.com, and Fastweb.
• Scholarships Based on Major: Look for scholarships specific to your major or field of study. Many professional organizations and companies offer scholarships to students pursuing degrees in their industry.
• Scholarships Based on Demographics: Explore scholarships based on your demographics, such as ethnicity, gender, or religion.

4.3 Managing Your Financial Aid Refund Wisely

If you receive a financial aid refund, it’s important to manage it wisely to avoid unnecessary debt and maximize your educational resources.

• Create a Budget: Create a budget to track your expenses and ensure that you are using your refund for essential educational expenses.
• Prioritize Expenses: Prioritize your expenses and use your refund to cover the most important items first, such as tuition, fees, books, and housing.
• Avoid Unnecessary Spending: Avoid using your refund for non-essential items, such as entertainment, dining out, or impulse purchases.
• Save for Future Expenses: If you have any money left over after covering your essential expenses, save it for future educational expenses, such as textbooks, supplies, or summer courses.
• Consider Returning Funds: If you don’t need the entire refund, consider returning the excess funds to reduce your loan debt.

By maximizing your financial aid resources and managing your refund wisely, you can reduce the financial burden of education and achieve your academic goals.

5. Understanding Different Types of Financial Aid

Financial aid comes in various forms, each with its own terms and conditions. Understanding these differences is crucial for making informed decisions about how to finance your education.

5.1 Grants vs. Loans

• Grants: Grants are gift aid that you don’t have to repay. They are typically awarded based on financial need and can come from federal, state, or institutional sources.

  • Pell Grant: The Pell Grant is a federal grant program for undergraduate students with exceptional financial need.
  • FSEOG: The Federal Supplemental Educational Opportunity Grant (FSEOG) is another federal grant program for undergraduate students with exceptional financial need.

• Loans: Loans are borrowed money that you will need to repay with interest. They can come from federal or private sources.

  • Federal Student Loans: Federal student loans are loans offered by the federal government. They typically have lower interest rates and more flexible repayment options than private loans.
  • Private Student Loans: Private student loans are loans offered by banks, credit unions, and other private lenders. They typically have higher interest rates and less flexible repayment options than federal loans.

5.2 Federal vs. Private Loans

• Federal Student Loans: Federal student loans offer several advantages over private loans, including:

  • Lower Interest Rates: Federal student loans typically have lower interest rates than private loans.
  • Flexible Repayment Options: Federal student loans offer a variety of repayment options, including income-driven repayment plans.
  • Deferment and Forbearance: Federal student loans offer deferment and forbearance options, which allow you to temporarily postpone or reduce your payments if you are experiencing financial hardship.
  • Loan Forgiveness Programs: Federal student loans offer loan forgiveness programs for borrowers who work in certain public service professions.

• Private Student Loans: Private student loans may be an option if you need to borrow more money than is available through federal student loans, but they typically come with higher interest rates and less flexible repayment options.

5.3 Work-Study Programs

• Work-Study: Work-study programs allow you to earn money by working part-time while you are in school. These programs are typically offered to students with financial need and can provide valuable work experience.

  • Federal Work-Study: The Federal Work-Study program is a federal program that provides part-time jobs for undergraduate and graduate students with financial need.
  • Institutional Work-Study: Many schools also offer institutional work-study programs that provide part-time jobs for students.

Understanding the different types of financial aid available can help you make informed decisions about how to finance your education and minimize your debt.

6. Common Myths About FAFSA

There are many myths and misconceptions about FAFSA that can prevent students from applying for financial aid. Let’s debunk some of the most common myths:

1. Myth: Only Low-Income Families Qualify for FAFSA.

   • Fact: FAFSA is not just for low-income families. While financial need is a factor, many other factors are considered, such as family size, number of children in college, and assets.

2. Myth: FAFSA is Too Complicated to Fill Out.

   • Fact: While the FAFSA form can be lengthy, it is not overly complicated. The FAFSA website provides detailed instructions and resources to help you complete the form.

3. Myth: You Need to Be a Straight-A Student to Qualify for FAFSA.

   • Fact: Academic merit is not a requirement for FAFSA. While some scholarships may require a certain GPA, FAFSA is primarily based on financial need.

4. Myth: If You Own a Home, You Won’t Qualify for FAFSA.

   • Fact: Owning a home does not automatically disqualify you from receiving financial aid. The value of your home is considered as part of your assets, but it is not the only factor.

5. Myth: You Should Wait Until You Are Accepted to a School Before Applying for FAFSA.

   • Fact: You should apply for FAFSA as soon as possible, even if you haven’t been accepted to a school yet. You can list multiple schools on your FAFSA form and update your list later if needed.

6. Myth: You Only Need to Fill Out FAFSA Once.

   • Fact: You need to fill out FAFSA every year you are in school. Your financial situation may change from year to year, so it’s important to update your information annually.

7. Myth: FAFSA Only Provides Loans.

   • Fact: FAFSA provides access to a variety of financial aid programs, including grants, loans, and work-study programs.

8. Myth: If Your Parents Refuse to Provide Their Information, You Can’t Apply for FAFSA.

   • Fact: In most cases, you need to provide your parents’ information on the FAFSA form. However, there are exceptions for students who are considered independent, such as those who are married, have dependents, or are over the age of 24.

By debunking these myths, more students can feel confident in applying for FAFSA and accessing the financial aid they need to pursue their education.

7. Resources for FAFSA Assistance

Navigating the FAFSA process can be overwhelming, but there are numerous resources available to provide assistance and guidance.

7.1 Official FAFSA Website

• FAFSA Website: The official FAFSA website is the primary resource for completing the FAFSA form and accessing information about financial aid.

  • Online Application: The FAFSA website provides the online application form, instructions, and FAQs.
  • Help Center: The FAFSA website also has a help center with answers to common questions and troubleshooting tips.
  • Contact Information: You can find contact information for the FAFSA helpline on the website.

7.2 School Financial Aid Offices

• Financial Aid Office: Your school’s financial aid office is a valuable resource for getting personalized assistance with FAFSA and other financial aid matters.

  • Counseling: Financial aid officers can provide counseling and guidance on completing the FAFSA form, understanding your award letter, and exploring additional financial aid options.
  • Workshops: Many schools offer workshops and seminars on FAFSA and financial aid.
  • Contact Information: You can find the contact information for your school’s financial aid office on the school’s website.

7.3 Non-Profit Organizations

• Non-Profit Organizations: Several non-profit organizations offer free assistance with FAFSA and financial aid.

  • College Board: The College Board provides resources and tools for college planning and financial aid, including a FAFSA guide and scholarship search tool.
  • National College Access Network (NCAN): NCAN is a non-profit organization that works to increase college access and success for low-income students.
  • United Way: United Way offers a variety of programs and services to support students and families, including financial aid assistance.

7.4 Federal Student Aid Information Center

• Federal Student Aid Information Center: The Federal Student Aid Information Center is a helpline that provides assistance with FAFSA and other federal student aid programs.

  • Phone Support: You can call the Federal Student Aid Information Center at 1-800-4-FED-AID (1-800-433-3243) for assistance.
  • Online Chat: The Federal Student Aid Information Center also offers online chat support.

By utilizing these resources, you can navigate the FAFSA process with confidence and access the financial aid you need to pursue your education.

8. Financial Planning Tips for College Students

Beyond understanding when does FAFSA send money and maximizing your aid, effective financial planning is essential for college students. Developing good financial habits early can set you up for success in the long run.

8.1 Creating a Budget

• Track Your Income and Expenses: Start by tracking your income and expenses to get a clear picture of your financial situation.
• Set Financial Goals: Set financial goals, such as saving for textbooks, paying off debt, or building an emergency fund.
• Create a Budget: Create a budget that allocates your income to different expense categories, such as tuition, fees, books, housing, food, transportation, and entertainment.
• Use Budgeting Tools: Use budgeting tools, such as spreadsheets, budgeting apps, or online budgeting software, to help you track your income and expenses and stay on budget.
• Review and Adjust: Review your budget regularly and make adjustments as needed to ensure that you are meeting your financial goals.

8.2 Managing Student Loan Debt

• Borrow Only What You Need: Borrow only the amount of money you need to cover your educational expenses. Avoid borrowing more than you can afford to repay.
• Understand Your Loan Terms: Understand the terms and conditions of your student loans, including the interest rate, repayment schedule, and any fees.
• Explore Repayment Options: Explore different repayment options, such as income-driven repayment plans, to find a plan that fits your budget.
• Make Payments on Time: Make your loan payments on time to avoid late fees and damage to your credit score.
• Consider Loan Consolidation: If you have multiple federal student loans, consider consolidating them into a single loan with a fixed interest rate.

8.3 Building Credit

• Get a Secured Credit Card: Get a secured credit card to start building credit. A secured credit card requires you to make a security deposit, which serves as your credit limit.
• Make Small Purchases: Make small purchases with your credit card and pay them off in full each month.
• Pay Bills on Time: Pay all your bills on time, including credit card bills, utility bills, and rent.
• Check Your Credit Report: Check your credit report regularly for errors and monitor your credit score.

8.4 Saving Money

• Set Savings Goals: Set savings goals and make saving a priority.
• Automate Savings: Automate your savings by setting up automatic transfers from your checking account to your savings account.
• Reduce Expenses: Reduce your expenses by cutting back on non-essential items, such as entertainment, dining out, and impulse purchases.
• Take Advantage of Student Discounts: Take advantage of student discounts offered by businesses and organizations.
• Shop Around: Shop around for the best prices on textbooks, supplies, and other items.

By following these financial planning tips, college students can manage their finances effectively and set themselves up for long-term financial success.

9. How Money-Central.Com Can Help You

At money-central.com, we understand the challenges students and families face when navigating the complex world of financial aid. That’s why we offer a range of resources and tools to help you make informed decisions and maximize your financial resources.

9.1 Comprehensive Financial Aid Guides

• Detailed Guides: Our website features comprehensive guides on various financial aid topics, including FAFSA, scholarships, grants, and loans.
• Step-by-Step Instructions: Our guides provide step-by-step instructions and helpful tips to help you navigate the financial aid process with ease.
• Expert Advice: Our guides are written by financial aid experts with years of experience in the field.

9.2 Scholarship Search Tool

• Extensive Database: Our scholarship search tool allows you to search for scholarships based on your interests, major, demographics, and other criteria.
• Easy-to-Use Interface: Our tool features an easy-to-use interface that makes it simple to find scholarships that match your qualifications.
• Regular Updates: Our database is regularly updated with new scholarships and opportunities.

9.3 Financial Planning Tools

• Budgeting Calculator: Our budgeting calculator helps you create a budget and track your expenses.
• Loan Calculator: Our loan calculator helps you estimate your loan payments and compare different loan options.
• Savings Calculator: Our savings calculator helps you set savings goals and track your progress.

9.4 Expert Advice and Resources

• Financial Experts: Our website features articles and resources from financial experts who can provide valuable insights and advice on managing your finances.
• Webinars and Workshops: We offer webinars and workshops on various financial topics, such as budgeting, saving, and investing.
• Personalized Support: Contact us today at Address: 44 West Fourth Street, New York, NY 10012, United States or Phone: +1 (212) 998-0000 for personalized support and guidance.

9.5 Stay Informed With Regular Updates

• Blog: Our blog is regularly updated with the latest news, tips, and resources on financial aid and personal finance.
• Newsletter: Sign up for our newsletter to receive regular updates and exclusive offers.
• Social Media: Follow us on social media for the latest news and updates.

At money-central.com, we are committed to helping you achieve your educational goals by providing you with the resources and support you need to manage your finances effectively. Visit our website today to learn more and take control of your financial future.

10. Frequently Asked Questions (FAQs)

Here are some frequently asked questions about when FAFSA sends money and related topics:

1. When Does Fafsa Send Money to schools?

   FAFSA typically sends money to schools around the fourth week of the semester, though this can vary by institution.

2. How long does it take for FAFSA to process my application?

   It usually takes a few days for FAFSA to process your application after submission.

3. What happens if my FAFSA funds are delayed?

   If your FAFSA funds are delayed, contact the financial aid office at your school to inquire about the delay.

4. Can I use FAFSA funds for living expenses?

   Yes, if your financial aid exceeds your tuition and fees, you can use the remaining funds for living expenses.

5. What is a Student Aid Report (SAR)?

   A Student Aid Report (SAR) is a summary of the information you provided on your FAFSA form.

6. What is the Expected Family Contribution (EFC)?

   The Expected Family Contribution (EFC) is an estimate of how much your family is expected to contribute to your education.

7. How do I accept my financial aid award?

   You can accept your financial aid award by logging into your school’s student portal and following the instructions provided.

8. What is entrance counseling?

   Entrance counseling provides information about your rights and responsibilities as a loan borrower.

9. What is a Master Promissory Note (MPN)?

   A Master Promissory Note (MPN) is a legally binding agreement in which you promise to repay your loan.

10. How can I maximize my FAFSA benefits?

    You can maximize your FAFSA benefits by applying early, providing accurate information, and exploring additional scholarship and grant opportunities.

By addressing these frequently asked questions, we hope to provide you with a better understanding of the FAFSA process and how to navigate it successfully. Money-central.com is here to support you every step of the way.

Understanding when does FAFSA send money is just one piece of the puzzle when it comes to financing your education. By following the steps outlined in this guide, maximizing your financial aid resources, and utilizing the tools and resources available at money-central.com, you can take control of your financial future and achieve your academic goals. Remember, financial planning is a journey, and we’re here to help you every step of the way.