Information on this site is for informational purposes only. Awarding procedures and policies vary between colleges and the examples contained in this site are intended for illustrative purposes and do not constitute real life examples. Information on this site was correct at the time of publishing (May 2012). The author is not responsible for changes in federal or state guidelines (or interest rates that change). Website references are provided for informational purposes only and do not constitute endorsement of any websites. Readers should be aware that the website addresses listed could change. The information provided on this site is designed to provide helpful information on the subjects discussed. The author is not offering it as legal, accounting, or other professional services advice. While best efforts have been used in preparing this site, the author makes no representations or warranties of any kind and assumes no liabilities of any kind with respect to its contents. The author shall not be held liable or responsible to any person or entity with respect to any loss or incidental or consequential damages caused, or alleged to have been caused, directly or indirectly, by the information or programs contained herein.