# Financial Literacy and Wellness Center Knowledge is power when navigating your financial landscape. These resources are designed to help you make more informed money decisions with confidence. ## Understanding your financial options Whether you’re looking to understand the budgeting, borrowing or money-saving basics, take a comprehensive financial literacy course or explore in-depth articles designed specifically for students like you, we’ve got you covered. University of Phoenix students also have access to iGrad, filled with financial wellness resources built with you in mind. iGrad has tools to personalize your financial journey, including ways to help you manage your finances responsibly, increase your financial knowledge and find financial resources. 1. Budget 2. Save 3. Borrow Budget ### How to pay for college Learn about the variety of options students have when paying for college and make informed decisions to support your academic journey. [Learn more](/blog/how-to-pay-for-college) ### Pro tip Balance necessary expenses beside personal spending and saving with the 50/30/20 budget rule. [Learn more](https://phoenix.igrad.com/infographics/the-50-30-20-budget-rule) **FP/100T** ### Every day economics and finances Learn how to think and work with your money in this course. Check with your academic counselor to see how this fits in your program. [See course details](https://www.phoenix.edu/online-courses/fp100t.html) From budgeting and taxes to credit scores, investing and retirement planning, all can learn something in this class.” **RITA NICELY, MBA, MHA** Sr. Manager College Operations; Everyday Economics and Finances Faculty [Tuition and financial aid How to make a financial plan for your education](/blog/5-steps-to-making-a-financial-plan-for-your-education)[Tuition and financial aid What is a tuition plan?](/blog/how-to-make-a-college-tuition-payment-plan) Tuition and financial aid > Developing a bare-bones budget Everyone should set up an emergency budget before the emergency happens. Here’s how. [Learn more on iGrad](https://phoenix.igrad.com/articles/developing-a-bare-bones-budget)Save ### Pro tip Making a financial plan is a good first step towards finding ways to save. [Learn how to create a plan](https://phoenix.igrad.com/articles/it-all-starts-with-a-plan) ### Find ways to save with our Savings Explorer® tool Learn how to save on your education and get the credit you deserve. [Try our Savings Explorer® tool](https://www.phoenix.edu/cost-savings) ### Find ways to save with our Savings Explorer® tool Learn how to save on your education and get the credit you deserve. Try our Savings Explorer® tool ### Scholarship search Discover hand-picked, quality scholarships to help pay for school. [Find scholarships](https://phoenix.igrad.com/scholarships) ### Ways to save Explore your options to reduce the cost of your education. [Scholarships](/tuition-financial-aid/scholarships.html) --- [Transferring credits](/tuition-financial-aid/transfer-credits.html) --- [Your past experience and expertise](/tuition-financial-aid/prior-learning-assessment.html) ### Ways to save Explore your options to reduce the cost of your education. [Scholarships](/tuition-financial-aid/scholarships.html) --- [Transferring credits](/tuition-financial-aid/transfer-credits.html) --- [Your past experience and expertise](/tuition-financial-aid/prior-learning-assessment.html)[Tuition and financial aid How I saved money while paying for college](/blog/2022/02/time-is-money-how-i-saved-money-while-paying-for-college.html)[iGrad How to save for major milestones Let’s take a look at some of the best ways to save for life’s major milestones.](https://phoenix.igrad.com/articles/how-to-save-for-major-milestones)Borrow Smart borrowing ### A tale of two students Borrowing responsibly means less loan repayment later. See our comparison of two students — both with identical financial aid eligibility — who chose to borrow different amounts. [Learn more](https://phoenix.igrad.com/infographics/smart-borrowing-of-student-loans) ### Common Strategies for Getting Out of Debt Borrowing money is easier than paying it back. Learn how to avoid financially unwise debt decisions. [Read iGrad article](https://phoenix.igrad.com/articles/common-strategies-for-getting-out-of-debt) ### Smart Borrowing: Limit Your Loan Debt Learn about the variety of options students have when paying for college. [Read iGrad article](https://phoenix.igrad.com/articles/how-much-should-i-take-out-borrow-in-student-loans-right-size-amount)[Tuition and financial aid Financial Literacy for College Students: How to Borrow Student Loans Wisely](/blog/2023/05/guide-to-repaying-student-loans.html)[Tuition and financial aid What Is a Student Loan and How Does It Work?](/blog/2023/06/what-is-a-student-loan.html)[Tuition and financial aid How to Pay Off Student Debt](/blog/2023/07/how-to-borrow-student-loans-for-college.html) [1]Both monthly payment amounts were calculated based on a 10-year standard payment plan with an interest rate of 6.8%. Charlie’s monthly payment amount was calculated based on a borrowing scenario of $16,000 in subsidized Direct Loans over a 4-year period. Taylor’s monthly payment amount was calculated based on a borrowing scenario of $19,000 in subsidized Direct Loans and $23,000 unsubsidized Direct Loans over a 4-year period. If Taylor did not pay all of the accruing interest while in school (as our example suggests), the monthly payment amount would be even higher. Step: 2 of 7 ### Have you completed a program with the University? #### I am a returning Alumni I’ve graduated from University of Phoenix and want to continue my education. #### I am continuing my program I attended previously and was unable to complete my program but I’m ready to finish. ## Why we ask this question Knowing your current status with the University allows us to personalize your scholarship results. Step: 3 of 7 ### How long ago did you attend University of Phoenix? #### A year ago, or more #### Less than a year ago ## Why we ask this question Returning students may be eligible for certain scholarships if they attended during a particular time frame. Step: 4 of 7 ### What degree level are you interested in? #### Bachelor's degree #### Master's degree #### Doctoral degree ## Why we ask this question Our scholarships are degree level specific. Step: 5 of 7 ### How many credits do you expect to transfer? #### 0 - 9 #### 9 - 12 #### 12 - 60 #### 60 - 102 #### More than 102 ## Why we ask this question An estimate of transfer credits allows us to personalize your possible scholarship results. Step: 6 of 7 ### What is your current GPA? #### Less than 3.0 #### 3.0 - 3.25 #### 3.25 - 3.75 #### 3.75 - 3.85 #### More than 3.85 ## Why we ask this question Providing your current GPA allows us to determine which scholarships you may be eligible for. Step: 7 of 7 ### How many years of work experience do you have? #### 3 or more years #### Less than 3 years ## Why we ask this question Some of our University of Phoenix scholarships require that you have previous work experience. ## Here are your results! Based on your selections, here's a list of scholarships you may be eligible for. Results ## Questions? Our dedicated support team is here to help. Don’t hesitate to reach out. Contact us ## Next steps to consider We recommend checking out other savings opportunities. Our Savings Explorer® tool has helped bachelor’s students on average save $11,000 & nearly 1 year off their undergraduate degree. It's easy to use and there's no obligation to enroll. ## What's next? Receive a free Scholarships and Savings Guide right to your inbox with more information on scholarships, the application process and other savings opportunities. As a University, we talk about responsible borrowing with student loans — this applies to all debt in your life. By learning and increasing financial literacy, our students feel better prepared to manage their futures." **Chris Conway** Director of Financial Literacy,Faculty Step: 2 of 7 ### Have you completed a program with the University? #### I am a returning Alumni I’ve graduated from University of Phoenix and want to continue my education. #### I am continuing my program I attended previously and was unable to complete my program but I’m ready to finish. ## Why we ask this question Knowing your current status with the University allows us to personalize your scholarship results. Step: 3 of 7 ### How long ago did you attend University of Phoenix? #### A year ago, or more #### Less than a year ago ## Why we ask this question Returning students may be eligible for certain scholarships if they attended during a particular time frame. Step: 4 of 7 ### What degree level are you interested in? #### Bachelor's degree #### Master's degree #### Doctoral degree ## Why we ask this question Our scholarships are degree level specific. Step: 5 of 7 ### How many credits do you expect to transfer? #### 0 - 9 #### 9 - 12 #### 12 - 60 #### 60 - 102 #### More than 102 ## Why we ask this question An estimate of transfer credits allows us to personalize your possible scholarship results. Step: 6 of 7 ### What is your current GPA? #### Less than 3.0 #### 3.0 - 3.25 #### 3.25 - 3.75 #### 3.75 - 3.85 #### More than 3.85 ## Why we ask this question Providing your current GPA allows us to determine which scholarships you may be eligible for. Step: 7 of 7 ### How many years of work experience do you have? #### 3 or more years #### Less than 3 years ## Why we ask this question Some of our University of Phoenix scholarships require that you have previous work experience. ## Here are your results! Based on your selections, here's a list of scholarships you may be eligible for. Results ## Questions? Our dedicated support team is here to help. Don’t hesitate to reach out. Contact us ## Next steps to consider We recommend checking out other savings opportunities. Our Savings Explorer® tool has helped bachelor’s students on average save $11,000 & nearly 1 year off their undergraduate degree. It's easy to use and there's no obligation to enroll. ## What's next? Receive a free Scholarships and Savings Guide right to your inbox with more information on scholarships, the application process and other savings opportunities. Step: 2 of 7 ### Have you completed a program with the University? #### I am a returning Alumni I’ve graduated from University of Phoenix and want to continue my education. #### I am continuing my program I attended previously and was unable to complete my program but I’m ready to finish. ## Why we ask this question Knowing your current status with the University allows us to personalize your scholarship results. Step: 3 of 7 ### How long ago did you attend University of Phoenix? #### A year ago, or more #### Less than a year ago ## Why we ask this question Returning students may be eligible for certain scholarships if they attended during a particular time frame. Step: 4 of 7 ### What degree level are you interested in? #### Bachelor's degree #### Master's degree #### Doctoral degree ## Why we ask this question Our scholarships are degree level specific. Step: 5 of 7 ### How many credits do you expect to transfer? #### 0 - 9 #### 9 - 12 #### 12 - 60 #### 60 - 102 #### More than 102 ## Why we ask this question An estimate of transfer credits allows us to personalize your possible scholarship results. Step: 6 of 7 ### What is your current GPA? #### Less than 3.0 #### 3.0 - 3.25 #### 3.25 - 3.75 #### 3.75 - 3.85 #### More than 3.85 ## Why we ask this question Providing your current GPA allows us to determine which scholarships you may be eligible for. Step: 7 of 7 ### How many years of work experience do you have? #### 3 or more years #### Less than 3 years ## Why we ask this question Some of our University of Phoenix scholarships require that you have previous work experience. ## Here are your results! Based on your selections, here's a list of scholarships you may be eligible for. Results ## Questions? Our dedicated support team is here to help. Don’t hesitate to reach out. Contact us ## Next steps to consider We recommend checking out other savings opportunities. Our Savings Explorer® tool has helped bachelor’s students on average save $11,000 & nearly 1 year off their undergraduate degree. It's easy to use and there's no obligation to enroll. ## What's next? Receive a free Scholarships and Savings Guide right to your inbox with more information on scholarships, the application process and other savings opportunities. Step: 2 of 7 ### Have you completed a program with the University? #### I am a returning Alumni I’ve graduated from University of Phoenix and want to continue my education. #### I am continuing my program I attended previously and was unable to complete my program but I’m ready to finish. ## Why we ask this question Knowing your current status with the University allows us to personalize your scholarship results. Step: 3 of 7 ### How long ago did you attend University of Phoenix? #### A year ago, or more #### Less than a year ago ## Why we ask this question Returning students may be eligible for certain scholarships if they attended during a particular time frame. Step: 4 of 7 ### What degree level are you interested in? #### Bachelor's degree #### Master's degree #### Doctoral degree ## Why we ask this question Our scholarships are degree level specific. Step: 5 of 7 ### How many credits do you expect to transfer? #### 0 - 9 #### 9 - 12 #### 12 - 60 #### 60 - 102 #### More than 102 ## Why we ask this question An estimate of transfer credits allows us to personalize your possible scholarship results. Step: 6 of 7 ### What is your current GPA? #### Less than 3.0 #### 3.0 - 3.25 #### 3.25 - 3.75 #### 3.75 - 3.85 #### More than 3.85 ## Why we ask this question Providing your current GPA allows us to determine which scholarships you may be eligible for. Step: 7 of 7 ### How many years of work experience do you have? #### 3 or more years #### Less than 3 years ## Why we ask this question Some of our University of Phoenix scholarships require that you have previous work experience. ## Here are your results! Based on your selections, here's a list of scholarships you may be eligible for. Results ## Questions? Our dedicated support team is here to help. Don’t hesitate to reach out. Contact us ## Next steps to consider We recommend checking out other savings opportunities. Our Savings Explorer® tool has helped bachelor’s students on average save $11,000 & nearly 1 year off their undergraduate degree. It's easy to use and there's no obligation to enroll. ## What's next? Receive a free Scholarships and Savings Guide right to your inbox with more information on scholarships, the application process and other savings opportunities. ## Financial Coaching at our Life Resource Center At University of Phoenix, we’re committed to your well-being at school, work and life. [Current students](https://my.phoenix.edu/vsu/life-resource-center.html) can speak with a personal money coach who will help identify financial goals and provide a suggested action plan. [Visit the Life Resource Center](/student-resources/life-resource-center.html) ## Financial wellness webinars Explore our 10-part webinar series with Goalsetter, an award-winning financial education platform, focused on key financial wellness concepts. This free, virtual series combines Goalsetter’s curriculum with insights from industry leaders to help individuals and families deepen their understanding of financial wellness. Watch all ten webinars below. × ### Master your money Find out how smart money management skills can support your financial goals. × ### Paying for school Discover practical tips for finding scholarships and navigating student loans. × ### Managing credit card debt Learn how you can develop healthy habits to build and improve your credit. × ### 5 tips to stop overspending Discover ways to curb overspending and thrive on a budget. × ### Yes, you can save money Find out why starting to save early matters and explore simple, effective ways to start. × ### Investing in your family's future Gain insights on helping your family utilize tools to build lasting financial skills. × ### Why credit scores are important Learn how credit scores influence financial opportunities and how to boost yours. × ### Plan for your retirement Explore your potential retirement needs and uncover strategies to help plan for them. × ### How to comparison shop & save Get tips to stretch every dollar with budgeting, expense tracking and financial tools. --- ## Financial Coaching at our Life Resource Center At University of Phoenix, we’re committed to your well-being at school, work and life. [Current students](https://my.phoenix.edu/vsu/life-resource-center.html) can speak with a personal money coach who will help identify financial goals and provide a suggested action plan. [Visit the Life Resource Center](/student-resources/life-resource-center.html) Step: 2 of 7 ### Have you completed a program with the University? #### I am a returning Alumni I’ve graduated from University of Phoenix and want to continue my education. #### I am continuing my program I attended previously and was unable to complete my program but I’m ready to finish. ## Why we ask this question Knowing your current status with the University allows us to personalize your scholarship results. Step: 3 of 7 ### How long ago did you attend University of Phoenix? #### A year ago, or more #### Less than a year ago ## Why we ask this question Returning students may be eligible for certain scholarships if they attended during a particular time frame. Step: 4 of 7 ### What degree level are you interested in? #### Bachelor's degree #### Master's degree #### Doctoral degree ## Why we ask this question Our scholarships are degree level specific. Step: 5 of 7 ### How many credits do you expect to transfer? #### 0 - 9 #### 9 - 12 #### 12 - 60 #### 60 - 102 #### More than 102 ## Why we ask this question An estimate of transfer credits allows us to personalize your possible scholarship results. Step: 6 of 7 ### What is your current GPA? #### Less than 3.0 #### 3.0 - 3.25 #### 3.25 - 3.75 #### 3.75 - 3.85 #### More than 3.85 ## Why we ask this question Providing your current GPA allows us to determine which scholarships you may be eligible for. Step: 7 of 7 ### How many years of work experience do you have? #### 3 or more years #### Less than 3 years ## Why we ask this question Some of our University of Phoenix scholarships require that you have previous work experience. ## Here are your results! Based on your selections, here's a list of scholarships you may be eligible for. Results ## Questions? Our dedicated support team is here to help. Don’t hesitate to reach out. Contact us ## Next steps to consider We recommend checking out other savings opportunities. Our Savings Explorer® tool has helped bachelor’s students on average save $11,000 & nearly 1 year off their undergraduate degree. It's easy to use and there's no obligation to enroll. ## What's next? Receive a free Scholarships and Savings Guide right to your inbox with more information on scholarships, the application process and other savings opportunities. ## Questions? Our students receive one-on-one support from their finance advisor who can explain financial aid options at every step.
**Not yet a student?**Contact our Enrollment Representatives at [866-766-0766](tel:8667660766) or schedule a consultation to learn more. [Log in to MyPhoenix](https://my.phoenix.edu)[Request info](https://www.phoenix.edu/request/request-information)[Login to MyPhoenix](https://login.phoenix.edu/am/XUI/?realm=/alpha&goto=https://login.phoenix.edu:443/am/oauth2/authorize?scope%3Dopenid%26response_type%3Dcode%26redirect_uri%3Dhttps://authdepot.phoenix.edu/authdepot/msp/saml/oidc/callback%26client_id%3D4c55014a-0a00-48fa-bc?realm=/alpha&goto=https://login.phoenix.edu:443/am/oauth2/authorize?scope%3Dopenid%26response_type%3Dcode%26redirect_uri%3Dhttps://authdepot.phoenix.edu/authdepot/msp/saml/oidc/callback%26client_id%3D4c55014a-0a00-48fa-bc)[Request info](https://www.phoenix.edu/request/request-information)