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Certified College Funding Specialist®

Education Loan Analyst

Certified Financial Education Instructor/Speaker®



Do you like doing taxes? Do you find it a challenge to understand federal government instructions?

Every year college-bound families just like you go through the tedious and often confusing task of completing the government’s FAFSA® (Free Application for Federal Student Aid) application.

It’s a process that’s NO FUN!

This 82-page reference guide includes step-by-step instructions including helper text for each question (by number) that you will encounter when completing the FAFSA®.


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The FAFSA® season approaches fast for many families. Completing and submitting your FAFSA®s is the first step in qualifying and receiving federal student aid. This free reference guide will walk you through every step.


The FAFSA®is a requirement for almost all need-based financial aid and many scholarship programs. Every student that hopes to secure any federal financial assistance to pay for college, from grants to federal student loans, needs use this guide to submit their FAFSA®each year.


Completing the FAFSA®can be confusing and complicated. This FAFSA® guide walks you through the eligibility requirements, simplifies the filing process and helps you prevent errors. It could mean the difference in success or losing out on aid from a variety of sources.


Many families decide not to complete the FAFSA simply because it can be very time-consuming and hard to understand. This FAFSA®reference guide will cut your time in half.


Never make presumptions. Even some merit scholarships from the college will require you to complete a FAFSA® application. Every family should complete the FAFSA®, regardless of income.


This reference guide gives you a baseline understanding of the process and includes all the FAFSA®sections with step-by-step guidance on each and every question.



Don't just take our word for it. Here are what some other college-bound families have to say about this FAFSA® reference guide…

"This is a book of financial aid literacy and applying for financial aid. It covers all the financial aid form topics and makes it easy to understand. Great job Mr. Osborne! We will definitely take this for a spin and introduce it to our students at our next convention."

Las Vegas, Nevada

"Well its obvious that Mr. Osborne did an incredible amount of research and with putting this thing together. Simply put, this ebook he has written goes into the nitty-gritty detail of EACH question on the FAFSA. I also will say one thing - it’s extensive. If you want to complete the FAFSA correctly, you need this manual. Once again Mr. Oz, congratulations on a job well done young man. Another jewel."

Attorney, Houston

"With regard to Mr. James Osborne, I think he's created somewhat of a necessity, a sort of prerequisite if you will, for parents and students alike. You would be a fool to have access to this manual and not use it. I would get this booklet every year. I would not think of completing the FAFSA without it. since working with Mr. Osborne with this booklet as our foundation, we have been referring any and all our clients with children of ANY age, especially college bound, as this is indeed a must have to guide to the completing of the FAFSA." 

Lewis Center, OH


What is the FAFSA®?

The FAFSA® (Free Application for Federal Student Aid) is a requirement for all students seeking Federal and State financial aid for higher education in the United States. This application determines how much financial aid a student is eligible to receive from the government based on need, and often, students are required to fill out the FAFSA when applying for private scholarships and grants. This guide will walk you successfully through the process of completing the FAFSA®.


How will this FAFSA reference guide help me complete my financial aid applications?

This step-by-step guide makes completing the FAFSA much easier. It explains what each question means and how the answers affect your eligibility for need-based financial aid.


Is this FAFSA reference guide for the student, or the parents of the student?

Both will need to review this reference guide in detail, before completing the FAFSA.


When should I complete the FAFSA?

As soon as possible on or after October 1. Some states and colleges have very early deadlines, and you don’t want to miss out on any student aid funds.


What kinds of questions does the FAFSA ask?

The FAFSA asks for some personal details about you and asks which colleges you would like to attend. The application then asks about your parents and the members of your household. It will ask questions to see if you are “dependent” on one or both of your parents. The FAFSA also asks how much money you and your parents made last year. If your parents own a home or have money in the bank, the FAFSA asks about that as well.


Does this book also cover the CSS PROFILE?

No. This FAFSA reference guide only covers completing the FAFSA financial aid form. If you want assistance with the CSS profile you should always use a Certified College Funding Specialist®.


But I don’t know anything about my parents’ finances.

Your parents will probably need to help you or complete the FAFSA with you if you are dependent on them. At the very least, they need to give you the information that’s required.


Once I’ve submitted my FAFSA form, can I relax?

No. You must monitor your email carefully. The FAFSA website will send an important document called the Student Aid Report. Look it over carefully. Make sure your FAFSA was correctly processed, and the information sent to the colleges to which you applied. This FAFSA reference guide covers this entire process.

Is this really free-of-charge? Once I give my personal information, are you going to charge me some way, or hound me to buy something?

You will not be hounded by anyone. If we contact you, it would start by email. Some families are very busy and request our personalized guidance, and others merely download the booklet and try to do everything themselves. Either way, we want to help our community and get introduced to college-bound families that could use our help.


James Osborne, CCFS®


Certified Education Loan Analyst®

Certified Financial Education Instructor®


325 North Saint Paul Street Ste. 3100, Dallas TX, 75201

 (972) 674-9981



325 North Saint Paul Street Ste. 3100, Dallas TX, 75201