Financialaidtoolkit.ed.gov



PSC-ED-FSA-TISD

Moderator: Christal Simms

August 3, 2017

2:00 pm CT

Coordinator: Welcome, everyone, and thank you for standing by.

At this time, all participants will be in listen-only mode.

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Now, I’ll turn the call over to Ms. Joanna Gaines.

Ma’am, you may now begin.

Joanna Gaines: Thank you.

Good afternoon, everyone. Thank you very much for joining us this afternoon for the Financial Aid 101 Webinar. We will talk a little bit about the FAFSA and other resources.

During the Webinar, if you have any questions, please feel free to ask them on the chat box and my colleagues are ready to assist you.

Also, this presentation can be downloaded by clicking on the upper left hand. You will see the name of the PowerPoint as a PDF file.

Let’s begin.

All right. So here’s a little bit about today’s topics. We’re going to talk about Federal Student Aid. We’re going to explain a little bit about the types of aid that are available. We’re going to talk about the FAFSA and other resources.

Federal Student Aid is part of the US Department of Education. Every year, we get about $150 billion to help students go to school or pursue their educational dreams.

So there are several types of aid that we manage here at Federal Student Aid. Grants is the first type. There are several types of grants. The Federal Pell Grant is the most popular one. We also have the TEACH Grant, the FSEOG Grant and the Iraq and Afghanistan Service Grant.

The second type of aid is federal student loans. So we have Direct Subsidized Loans and Direct Unsubsidized Loans. The difference between subsidized loans and unsubsidized loans is that the subsidized loans, this is a type of loan that the interest is paid by the Department of Education while the student is in school. So as soon as the loan disburses, the student is not responsible for paying that interest while they are in school versus the unsubsidized, students are responsible for paying interest from the moment that the loan disburses.

The Perkins Loan is another loan that we have available and the Direct Plus Loan. The Direct Plus Loan is a loan that is given to graduate or professional students. And we also have the Parent Loan. We must remember that these loans must be paid back.

And we have Work-Study. Work-Study is a federal work program and the colleges and universities individually manage their own work-study program.

And there are other types of financial aid. Those are state grants, scholarships from colleges or universities or their foundation, scholarships from nonprofit or private organizations, including businesses and other entities. You can look for more options on scholarships under types.

The first step for applying for Federal Student Aid is the FAFSA, the Free Application for Federal Student Aid. The FAFSA is not only the application for Pell Grant. It’s also the first step for many other types of assistance, including scholarships and state educational grants.

If you have any questions at anytime, you can go to or inquire at your high school or your college or university financial aid office.

These are the current interest rates for the loans that were disbursed between July 1st 2016 and June 30, 2017.

We need to understand the difference between federal student loans and private student loans. Federal student loans are different than private student loans. Private student loans are offered by banks. And so it’s important to not confuse these two types of student loans.

FSA ID. FSA ID is a user name and password that students and their parents use to log in to several Web sites of the US Department of Education, including the FAFSA. So to sign the FAFSA, students and, if they are dependent, their parents need the FSA ID to sign the FAFSA form.

Let’s remember that the FSA ID is a legal signature of the student and the parent and it shouldn’t be used by anyone else. It shouldn’t be shared with anyone else. So if anybody calls you or texts you and want for you to give them your FSA ID, please don’t.

So how do you get an FSA ID? So again, to file a FAFSA, you need an FSA ID. You can already go and apply for your FSA ID. Parents, if you don’t have your FSA ID, you can go on and get that today. You can go to fsaid.

It’s important to include an e-mail address and mobile phone number but only one e-mail address and one mobile phone number can be used per FSA ID. It’s not necessary to enter an e-mail address. You cannot share an e-mail address for two FSA IDs. For example, if the parent does not have an e-mail address, they should not use their student’s e-mail address for their own FSA ID. That’s very important to remember.

So here are the steps to create an FSA ID. Basically, the steps are - the instructions are very clear on the Web site but it’s important to just read and take the process step by step when you are creating an FSA ID.

So what happens if you’re experiencing issues? Well, you can call us for help. There’s also tips and information when you’re filing the FAFSA. Otherwise, if you are unable to obtain your FSA ID, you are able to print out the FAFSA signature page, sign it and mail it in for processing.

Here are some frequently asked questions. What do I do if it says that my Social Security information doesn’t match?

If your Social Security information, the status is not matched on your account profile page, that means that your information that you entered didn’t match with what is found in the records of the Social Security Administration. You should click on the Update Account Information button to make sure that your name, your Social Security number and your date of birth have been entered exactly as they appear on your Social Security card.

If the information is correct and you’ve verified it, then you need to contact the Social Security Administration at that phone number here on the slide and ask them what the discrepancy is.

Why can’t I use my mobile phone or my e-mail address to retrieve my user name or reset my password?

If you didn’t verify your mobile phone number or your e-mail address when you first created your FSA ID, then you won’t be able to use them to retrieve your user name or to reset your password or even to unlock your account. So you will need to answer some challenge questions.

You can verify your mobile phone number or e-mail address after creating an account by going to the FSA ID site and clicking on the tab that says “Manage My FSA ID.”

What do I do if I get a message that says “FSA ID is locked”?

An FSA ID is locked after three unsuccessful attempts to sign in. You will be taken to a screen that says “Unlock your FSA ID.” At that time, if you have verified a mobile phone number or e-mail address, you can request that we send you a secure code. If you did not provide and verify a mobile phone number or an e-mail address, then you can use your challenge questions to unlock your FSA ID.

What if my FSA ID was lost or stolen?

If you do know your FSA ID, then you can log in and update your user name and your password by selecting “Manage My FSA ID” from the FSA ID login page. And you should contact us immediately if you are concerned that your FSA ID has been misused.

Applying for aid. So the basic eligibility requirements for a FAFSA is that a student must have a high school diploma, a GD or an approved home schooling program. A student must have a Social Security number. There are limited exceptions. A student must be a US citizen or eligible noncitizen. If the student is male, they must have registered with the selected service. Also, students need to be enrolled or accepted for enrollment in an eligible program. They must be pursuing a degree, a certificate or credential and they must maintain satisfactory academic progress at their institution.

Here are some hints. Dependent students are only eligible for unsubsidized loans without parent information on the FAFSA. So if for some reason students cannot include their parents’ information and these students are considered dependent, they will be eligible only for unsubsidized loans.

The FAFSA is used for more than just federal aid. Also, for US citizen students who have undocumented parents, their parents can use nine 0s in place of the Social Security number and print out the signature page, sign it and mail it in to process their student’s FAFSA.

What is the FAFSA process? So again, each year, we have over $150 billion that we can use for students to go to school. But a lot of it is not used because students are afraid to file the FAFSA.

Remember that once you file a FAFSA and you receive the student aid report, the financial aid process is paid out by your school. So the FAFSA does start the process.

It’s important to remember that some schools won’t consider you for merit scholarships until you’ve submitted a FAFSA. So complete one even if you think you won’t qualify. Every year, the FAFSA is getting easier to complete. Most people finish filling out the FAFSA in less than half an hour.

So to fill out the FAFSA, let’s remember again this year, the FAFSA will open October 1st. So you have a couple of months to get ready. You will need your Social Security number. If you have one, an alien registration number. You will need your federal tax return from two years prior. You will need your records of any untaxed income. You will need information from any bank accounts that you have and any investment accounts other than the principal residence where you live.

The FAFSA is available, again, on October 1st. It’s very important to fill out the FAFSA as soon as possible. Please find out with your school, with your college or university if there is a FAFSA completion deadline. You will find that information on their Web site or they have it posted around the schools. Also, try to find out if your state has a FAFSA completion deadline because a lot of money is only awarded before a certain date. So please remember to fill it out as soon as possible.

Again, here’s another reminder to fill out the FAFSA in a timely manner, make sure that you meet the financial aid deadlines and the easiest, quickest way to complete your FAFSA is online at .

So after you submit your FAFSA, the information will be sent to the colleges that you listed on the form. You can add up to ten colleges or universities on your FAFSA and we will send them to student aid report after we process the FAFSA. The college and universities, each of them have their own time of when they will be starting on their financial aid package but all of them will not start working on your package until you have been admitted as a student into that school. So just because we send them your student aid report, they will not start working on your package until they have accepted you as a student.

So within a few - so as soon as you’re finished filing the FAFSA, right then and there, after you submit the signature page, you will receive a confirmation page that says “Congratulations, you have completed your FAFSA.” You will also receive an e-mail if you have included an e-mail address. A few days later you will receive an e-mail from us saying that your FAFSA was processed and then you will receive a student aid report.

Then you will receive an aid offer from each of the colleges or universities that you apply to and that you listed on your FAFSA. That award letter or aid offer is going to include any amount that you qualify for at their school. It’s important that you review and compare your offers and what you receive from those schools so that you can decide what school you will attend based on the school’s cost and how well that school suits your needs.

Again, a reminder that financial aid is paid by your school, not by us. When you receive the award letter, make sure that you are signing only for what you want to receive. So if you do not want to receive loans, make sure that you check that you do not accept the loans or look - read the instructions to see what exactly you need to do to assess or to deny that aid. Every school has a different process. So it’s important to read the instructions, read the fine line. There have been cases where the student doesn’t know that they had already received a student loan.

So what’s included in the cost of college? So financial aid can be used for anything that has to do with your cost of college, tuition and fees, room and board, books and supplies, transportation, study abroad, miscellaneous expenses, like a computer. Concert ticket is not included as cost of college.

If you have any questions at anytime about your FAFSA, before you receive the student aid report, you can call 1-800-4FEDAID. Once you receive aid offer from your school, if you have any questions about the requirements, if there’s anything that they are asking, you can talk to your financial aid office directly.

Once you formally accept the school’s aid offer, if you’re offered student loans, remember to only borrow as much as you really need. Then your school will have their own date of when they will be disbursing the aid into your student account and if there’s a refund, when they will send it back to you. Every school has a different process. So please find out with your school’s financial aid office.

It’s important that after you complete the FAFSA you check your e-mail and you check your mailbox in case we or your school sends you any information or any communication about your FAFSA. It’s important that you update and make any necessary corrections or changes to your FAFSA, for example, adding a new college if you are interested in another college. And it’s important to follow up with the school about receiving your award letter, if you don’t receive those award letters in a timely manner. And never stop looking for scholarships. Also, always, always look for scholarships.

Here are the - here’s the timeline of when - what FAFSA you should complete depending on when you will be attending college. So for students that will be incoming seniors in the next few weeks, you will probably be attending college in August of 2018. So that would be the last row on the bottom. If you plan to attend college from July 1st 2018 through June 30, 2019, then you will submit the 2018-2019 FAFSA. That’s the one that opens October 1st 2017. We will have it open through June 30, 2019, but again, it’s important to find out what your school’s financial aid deadline is and you will be using income and tax information from 2016.

Okay. So things changed. From the time that you filed your tax returns, things may have changed. So it’s important to keep this in mind. And if there are any changes in your income that may change your financial aid, then it’s important to go talk to your financial aid office.

Another thing to note is that the FAFSA asks for your marital status as of the day that you fill out the FAFSA. So if you are married now but you weren’t married when you filed your tax return in 2015, so you filed it as single, then you will need to add your spouse’s income to your FAFSA. And the opposite if you filed your 2015 taxes as married but you are no longer married, then you need to remove that - your spouse’s income.

The IRS DRT, the IRS Data Retrieval Tool, is a tool that we use with FAFSA. Hopefully, this will be available October 1st for the 2018-2019 FAFSA. Otherwise, it’s very simple to fill out, manually input the 2015 tax information into your FAFSA. We used to do this all the time when I filed my FAFSA in the beginning. It’s just a few lines that you fill in and the FAFSA form will tell you exactly, depending on what tax return you file, it’ll tell you exactly what box you will find this answer in.

So here’s an example of what you will see. So the FAFSA will ask you, for example, for your adjusted gross income. So depending on what tax return - what form you filed, so 1040, 1040A or 1040EZ, the FAFSA Help and Hints on the right side of the monitor will tell you what line on your tax return to look at to fill in this answer on your FAFSA.

Dependency status. So a student’s dependency status is determined via set of FAFSA questions. It’s important that you make sure that if you have any question on whether you are a dependent or independent student that you look online on our Web site and look at the form and the explanation. But basically, an independent student is any student that is at least 24 years old, married, a graduate or professional student, is a veteran or a member of the armed forces, is an orphan or ward of the court, is someone with legal dependents other than a spouse, so somebody that has a child and provides over half of their support, is an emancipated minor or is someone who is at risk of homeless - of being homeless or is homeless.

So basically, a student who is a high school senior, for example, she is 19 and she doesn’t - she’s not married and doesn’t have any dependents, then she is a dependent student. So what this means is that she will be using her parents’ information, as well as hers, on her FAFSA.

Okay. So who is the legal parent? Who should fill out the FAFSA? So here we have an infographic that shows you who the parent is depending on the different situations that a student or a household may have. So look at this information. Basically, what you need to know is that if there are two parents in the household and they’re married and they filed their tax return together, well, that’s easy. You only use that tax return and only one parent needs to sign the FAFSA.

If the parents are divorced, you will use the income of the parent that provided more than 50% of the support for the student in that tax year.

So here are some scenarios. I am a student and my parents are divorced. Do both of my parents need to complete a FAFSA?

If your parents are divorced or separated and they don’t live together, the parent with whom you live more during the past 12 months should be the only one to complete the FAFSA.

I am a student and I split my time living equally between my divorced parents. The FAFSA requires information from the supporting parent. Which parent should fill out the FAFSA?

If you live in same amount of time with each divorced or separated parents, the parent who provided more financial support during the past 12 months should complete the FAFSA.

Here’s another scenario. I am the grandmother and the legal guardian of a student. Can I fill out the FAFSA in place of the parent?

No. This student will be considered independent due to the court placing him or her in a legal guardianship. The student is the only one who needs to fill out the FAFSA.

I am a student with US citizenship but my parents are undocumented. Am I eligible for Federal Student Aid? If so, the FAFSA requires parent information. So what should I do?

Yes, you are eligible for Federal Student Aid as a US citizen. Your parents can fill out the FAFSA and use zeros in place of a Social Security number then provide the requested financial information regardless of whether they filed taxes with the IRS. If your parent does not complete the FAFSA, then you are only eligible for unsubsidized loans. Also, for parents that are not US citizens or are undocumented, they can print out the signature page, sign it and mail it in to be processed.

Other resources. So again, I cannot tell you enough how important it is to search for scholarships. It’s very important to look for scholarships all the time. You can look for scholarships online. We have a link on our own Web site to the US Department of Labor’s free scholarship search. You could also look at your or your parent’s employer. You can look at the financial aid office at your college or school. You could look at your counselor’s office in your high school. You can look - you could look at your state agency for grants, any federal agencies. You could go to the library and look at the Reference section and look for scholarships there.

You could go to any foundation, community or school foundation, several religious and community organizations. There are (unintelligible) and even national and international businesses and civil groups and other organizations that have scholarships. So never stop looking for scholarships. There is not one all-inclusive list for scholarships.

Also, you should never pay to look at a list of scholarships. You can do your own research and find scholarships. It’s important, if you are a junior or a senior, that you start working on your scholarship essay and just change it depending on what the scholarship requirements are.

Here’s another resource that you and your parents can use to get information on different colleges and universities. The US Department of Education has the College Navigator. This allows students to search for schools depending on location, degrees offers - offered, programs, majors, their tuition and their fees, the size of the school, and much more. So what you do is you type in any detail or requirements that you have on the college that you want to go to and you do search and it’ll bring up a long list of colleges and universities that you may choose from.

So this is our main Web site, . This is a site for students and parents, young students and old students. It provides detailed information about the FAFSA, about the FSA ID, the IRS Data Retrieval Tool. It can give you more information on a student’s dependency status. It will give you information on who - what parent should provide information on the FAFSA. It will give you the process of what happens after the FAFSA is submitted and you could also go here to manage your student loans.

You can find Federal Student Aid on YouTube. If you subscribe to our YouTube channel, you will get notifications when there are new videos available.

You will also find videos on College Press and other important financial aid topics.

And we are on Facebook. You can find us at federalstudentaid. Our page has over 340,000 likes. So you will get a lot of timely information on topics that are important to you.

And you can find us on Twitter. Our Twitter call is fafsa and this is a public account. So even if you don’t have Twitter yourself, you could still see the information that we provide on Twitter.

And you can always contact us for any questions or information that you might need. You can e-mail us. You can chat with us or you can call us. The chat and the calling is during the normal hours of operation which are listed here.

Also, we have a list of frequently asked questions that you can find answers for on our Web site.

Okay. So let’s go to the questions that we have. So please keep those coming in and we will answer them for you.

Okay. So again, our PowerPoints are available after - the transcript is available after the Webinar but also you can download the PowerPoint during the Webinar.

When will we find more information out about the 2018-2019 FAFSA? The FAFSA will open on October 1st. You can look at the different dates where we have additional resources available at .

Okay. Does one parent and the student get an FSA ID, so we each have our own? Yes. If the student is a dependent student, the student will have their own FSA ID and one of her legal parents will have their FSA ID. So in this case, there will be two.

Let’s say there are parents that have triplets. Their three sons are seniors in high school and the parent is a single parent then there will be a total of four FSA IDs in the household, the single parent and one for each of the boys.

Okay. Yes, this is the same question. Only one parent needs the FSA ID.

Okay. Let’s go. Can US citizens with undocumented parents receive federal aid? Yes. We do not look at the parents’ citizenship. This does not affect the eligibility of the student because the student is a US citizen. So yes, the US citizen student does qualify and should apply for Federal Student Aid.

Okay, we have another question here. When filling out the tax form, if my guardians are my grandparents, will they fill out the information on the FAFSA where it says “Parent Information”?

It doesn’t matter if you don’t live with your parent or parents. You must still report information about them. So unless they are your adopted parents or your parents, you do not put their information regardless of where you live. Now if they have adopted you, then yes, you will include their information on the FAFSA.

Okay. Okay. Let’s see - does anybody have any other questions? I’m looking through any questions that have not been answered yet.

All right. How does it work if a student is claimed as a dependent by my grandfather? I don’t have the link for that but who claims the student on the tax return has no effect on what information needs to be included on the FAFSA. The FAFSA asks for the parent’s information, the parent’s tax return and income information, so it doesn’t matter who claims them as dependent on the tax return. That’s irrelevant. So the FAFSA asks the parent’s income.

Another question, I will be attending college in the 2018 school year. When do I need to file the FAFSA? So the 2018-2019 school year. Your FAFSA will be available October 1st this year. If we go to this timeline right here, on the very bottom row, you will see that if you plan to attend college from July 1st 2018 through June 30, 2019, so this will be you. You will submit the FAFSA that is the 2018-2019 FAFSA on October 1st of this year, so just in about six weeks. And you will be using your income and tax return information from 2016.

My son is a US citizen but lives in Peru and is planning to transfer to FIU. Can he get financial aid? That’s a very good question. If he qualifies, otherwise, and let’s go back to the basic eligibility requirements. If he’s going to FIU and he meets the other requirements, yes, he can apply for the FAFSA. So here are the basic eligibility requirements again. He can apply for the FAFSA and he is eligible to receive. So he just needs to apply to see what the school will award him.

All right, another question. Correct me if I am wrong even though the FAFSA application opens October 1st, for a student graduating and planning to attend one of the first (live chat) eligibility, they can’t apply. They can apply. That’s a very good question because right here it says that a student must have high school diploma. That’s a very good question. Yes, they can apply for the FAFSA during their senior year, so October 1st. They still have a few months to graduate from high school. They just will not receive any aid that they may qualify for until after they have their high school diploma and they are enrolled in an eligible program at a college or university.

Here, for those students whose parents are undocumented can still get the max unsubsidized loans of independent student?

If the student is considered a dependent student, if the student is a US citizen, he should still apply for the FAFSA and qualify for Federal Student Aid. But the dependency and independency have nothing to do with it if the parents are undocumented. So, no, the student - if the student is dependent or independent has nothing to do with the parents’ immigration status.

Is there a deadline where colleges need to be chosen? Well, yes, some colleges and universities have their own deadline to apply. But it’s important to check with them. So our deadline, again, let’s go to the timeline. We don’t really have a deadline. We have an opening date, October 1st, and the application is open until you are ready. So this application that we open on October 1st will be open through June 30th of 2019. So we ask that you file the FAFSA as soon as possible.

As far as applying for a college, that you need to check with the college or university that you are interested in.

The next question, if the student has a child and still lives with his or her parent, is she considered an independent or a dependent? If the student provides half or more of his or her child’s support, then she or he, the student, will be considered independent regardless of who they live with. But if somebody else is supporting the child of the student, then the student will be still be considered dependent if they meet the other dependency requirements.

What are the most popular common errors that people make on the FAFSA? The biggest error is not filling it out. That is the biggest error that we have that students leave a lot of money on the table because they do not file the FAFSA. But basically, the FAFSA has gotten easier to file every year. As long as you are reading the instructions and you are taking it line by line, you will see a box on the right hand of the monitor and it will give you helpful hints of all of the questions that you are answering.

So I’m going to see if we can find - I think we had a blog before of the common FAFSA mistakes. But I’m pretty sure that you could ask your school what some of the mistakes are. But everything - basically all of the information, all of the instructions are on the FAFSA. It’s just important to read them carefully.

If a student lives with a legal guardian but the parents are still financially responsible for them, do they still report the parents?

So we had one of those scenarios here with guardianship. I believe that if they went through the court for - you know, it was probably before that, for guardianship and then the student would be considered independent.

You know, I had it. I’ll find it. Okay. I think we need to - we need more information on if the parent is still financially responsible because if they were placed in guardianship and they went through the actual proceedings, then they are considered independent.

The question on the FAFSA, I’m not sure exactly how it reads. But, okay. Here it is. The student is considered independent due to the courts placing him or her in a legal guardianship. So only the student needs to fill out the FAFSA. God question.

All right. Another question that we have here. In a case where a student’s biological father cannot be located, the biological mother died and the student was left with her stepfather who is now the biological mother’s widow and has legal custody only at no adoption, does the student have to provide information on the FAFSA for the stepfather in his current life? That’s a very good question.

Legal custody, so it would probably be the same case if the stepfather has not adopted the student, then the student will probably be considered independent but that’s a very good question for the office, the local financial aid office in your school, because if they went through legal custody at the court, if they were ones a ward of the court, then they would be considered independent. But the final say would be at the college or university financial aid office.

Let’s see if there are any other unanswered questions.

All right. Would students with a refugee or asylum status be able to apply? There is a link that you can find on our Web site. Let’s see if we can do a reply all for that link. There are several statuses. So for eligible noncitizens, there are several types of stamps that are placed on the I-94 and I believe one of them is refugee, asylum, Cuban parolee. So it would be refugee, asylum granted, Cuban/Haitian entrants, conditional entrants or parolee. So it depends on what is stamped on the I-94. So yes, for this question, they would qualify to apply for the FAFSA. Thank you.

Another question. US citizen dependent students but the parents do not have a Social Security number.

Okay. The students qualify for all types of financial aid or to apply for all types of financial aid, regardless of if the parents have a Social Security number or not. So yes, the US citizen dependent student qualifies for all type of aid. If they apply for the FAFSA, they would be considered for all types of aid. They will also be considered for Pell Grant. They will be considered for subsidized loans. They will be considered for work-study. And they will be considered for unsubsidized. If they are dependent or independent, again, it does not matter what the parent’s immigration status is.

My parents are US citizens but live and work abroad for the last 12 years. How should they fill out the FAFSA form, the same as international parents, if the - all they have to do is read the FAFSA word, it would ask, did your parents file a tax return? They answer yes or no. If they didn’t, will they file? No. Then they will just answer the income questions. They just - you just go one by one when you’re answering the FAFSA.

Clarification for FAFSA eligibility. A 2017-18 senior is not eligible to apply. Yes. Again, they are eligible to apply. They - the FAFSA will open October 1st. They can apply October 1st. They will not receive financial aid until after July of 2018. So that’s the eligibility requirements to receive the financial aid.

Yes. If you have more than one child in college, you will fill out two FAFSAs. So in this case, you will have two children in college starting in the fall of 2018, yes. So - and you will have a total of three FSA IDs, two - one for each of your students and one for you and you will start filing the FAFSA as of October 1st and you will include your income tax return and here’s the timeline again from two years prior.

Let’s see if we have some more questions.

I’ll take it to the timeline and then we - you can look at the timeline for your two students here. You will use the tax return from 2016 on October 1st of 2017.

Okay. If a dependent student has a bachelor’s degree, he can now be considered independent. Yes. You are right. If there’s a - if this is a graduate degree, then yes, it would be independent.

Oh, good question. If a high school senior wants to go to summer school in the summer of 2018, what FAFSAs do they fill out? Okay.

So if they are a senior that is attending college from July 1st 2017, through the first time recession, probably that depends on the school, June 30, 2018, then they can file the FAFSA now, right now from the tax - with the tax return from 2015.

All right. I believe those are all the questions we have. We’ll wait a couple of more seconds. And then if you can stay on for a survey, that’d be great.

Thank you so much for attending the Webinar. We really appreciate it. Go to school. There’s money.

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