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Many students and parents get frustrated over the financial aid process. Overcome by one hurdle; the college application process they face the most frightening obstacle in going to college; Financial Aid!
Financial aid doesn't have to be all that complicated. There are many resources out there to help you. The most important resource is the college itself. Every college has a Financial Aid office with experienced professionals that are available to answer your questions. Remember it is their job to see that each student can afford to go to their college. Scholarships
Scholarships don't have to be paid back! This money is given to you to offset the cost of a college education. There are many places to look to see if you are eligible for a scholarship. Check these sites for more information.
Fastweb Free Scholarships Grants
Grants do not have to be repaid either. Everyone is encouraged to fill out the Free Application For Financial Aid Application. This application is required by most colleges to determine what financial aid you would be eligible for.
FAFSA on the web New York State TAP Loans
Subsidized Federal Stafford Loan
Payment of principal and interest begins 6 months after the day you graduate or are enrolled less than half time. Repayment should be completed within 10 years, depending on the amount borrowed. However, extended payment plans, graduated repayment and deferments are available through you lender or loan servicer. Interst rate changes every year, but will never be more than 8.25%. Unsubsidized Federal Stafford Loan
You are responsible for interest from the time you receive your first unsibsidized loan funds. Payment of both principal and interest begins 6 onths after the plans anddeferments are available. Interest rate changes every year, but will never be more than 8.25%.
Federal PLUS Loans
The interst rate changes every July 1, but will never be more than 9%. Interest begins to accrue from the time the loan is fully disbursed. Repayment of the amount borrowed plus interest generally begins within 60days after the full amount of the loan is disbursed. Deferments are available to eligible borrowers through your lender or loan servicer
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Current Students 
REOC is always interested in classes or programs that will help adults learn new skills to enter the job market, gain a promotion or change careers. 