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anselmbradford committed Jul 19, 2018
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192 changes: 96 additions & 96 deletions paying_for_college/templates/choose_a_loan.html
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4 changes: 2 additions & 2 deletions paying_for_college/templates/landing.html
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Expand Up @@ -67,7 +67,7 @@ <h2 class="h4 border-overlay">Student financial guides</h2>
<h3>Student loans</h3>
<p>If you’re considering student loans to help you pay for school, you’re not alone – many students need loans to cover their full cost of attendance. If you have to take out student loans, comparing your options can help you find the student loan best suited for your needs. <a href="/{{url_root}}/choose-a-student-loan/">More about student loans</a>.</p>

<p>Still need to apply for financial aid? <br><a href="https://fafsa.gov/" target="_blank">Visit fafsa.gov&nbsp;<i class="icon-external-link"></i></a>
<p>Still need to apply for financial aid? <br><a href="https://fafsa.gov/" target="_blank" rel="noopener noreferrer">Visit fafsa.gov&nbsp;<i class="icon-external-link"></i></a>
</p>
</div>
<div class="col last col6">
Expand All @@ -84,7 +84,7 @@ <h2 class="h4 border-overlay">Compare financial aid offers</h2>
<div class="col last col8">
<p>As part of our <a href="http://www.consumerfinance.gov/students/knowbeforeyouowe/">Know Before You Owe project</a>, we worked with the Department of Education to create a <a class="pdf exit-link" href="http://collegecost.ed.gov/shopping_sheet.pdf">Financial Aid Shopping Sheet</a>. Now that thousands of colleges are adopting this clear and comparable form, we’ve built a tool that complements the shopping sheet to help students make comparisons tailored to their individual circumstances.</p>
<p><a class="button" href="/{{url_root}}/compare-financial-aid-and-college-cost/">Compare costs</a></p>
<p>Still researching schools? <br><a class="exit-link" href="http://collegecost.ed.gov/scorecard/index.aspx" target="_blank">Check out College Scorecard&nbsp;<i class="icon-external-link"></i></a>
<p>Still researching schools? <br><a class="exit-link" href="http://collegecost.ed.gov/scorecard/index.aspx" target="_blank" rel="noopener noreferrer">Check out College Scorecard&nbsp;<i class="icon-external-link"></i></a>
</p>
</div>
</section>
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126 changes: 63 additions & 63 deletions paying_for_college/templates/manage_your_money.html
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Expand Up @@ -45,7 +45,7 @@ <h1 class="sub-page">Managing college money</h1>
{% include "nav_wrapper.html" %}
</header><!-- end #repay-debt-header -->
<div class="cfpb-logo" alt="Consumer Financial Protection Bureau"></div>

<div id='guide-content' class='guide-content'>
<!-- HEADER -->
<h1>Student Banking: Managing your college money</h1><!-- SECTION -->
Expand All @@ -59,7 +59,7 @@ <h5 class='guide-sect-header black vspace2 tb border-overlay'>Why Is it importan
<div class="bubbles">
<div class="bubble" _id='o1' id='_o1' rel="answer1">
<div class="bubble-text key-clock">
When should I get a bank account?
When should I get a bank account?
</div>
<img alt="" src="{% static "paying_for_college/pb/payingforcollege/key_questions/negbubble.png" %}">
</div>
Expand All @@ -71,12 +71,12 @@ <h5 class='guide-sect-header black vspace2 tb border-overlay'>Why Is it importan
</div>
<div class="bubble" _id='o3' id='_o3' rel="answer3">
<div class="bubble-text key-bank">
Do I have to get an account with the bank at my school?
Do I have to get an account with the bank at my school?
</div>
<img alt="" src="{% static "paying_for_college/pb/payingforcollege/key_questions/negbubble.png" %}">
</div>
<div style='clear:both;'></div>

<div style='clear:both;'></div>

<div class="answer-box">
<div class='answer-entry' id="answer1">
Expand All @@ -89,10 +89,10 @@ <h5 class='guide-sect-header black vspace2 tb border-overlay'>Why Is it importan

<p>Does your bank charge monthly fees? Many require minimum balances or regular direct deposit to avoid monthly fees. What about out-of-network ATM fees, overdraft fees, fees to use your debit card, and fees for services like online bill-pay? </p>

<p>Knowing if and when fees will be charged could save you hundreds of dollars in fees each year. <a href="http://www.fdic.gov/bank/analytical/overdraft/FDIC138_Report_FinalTOC.pdf" target="_blank">While half of young Americans never overdraft, the other half average approximately seven overdrafts a year.</a> Overdrafts can cost more than $30 each; that's potentially a lot of money taken out of your pocket. </p>
</div>
<div class='answer-entry' id="answer3">
<p>Knowing if and when fees will be charged could save you hundreds of dollars in fees each year. <a href="http://www.fdic.gov/bank/analytical/overdraft/FDIC138_Report_FinalTOC.pdf" target="_blank" rel="noopener noreferrer">While half of young Americans never overdraft, the other half average approximately seven overdrafts a year.</a> Overdrafts can cost more than $30 each; that's potentially a lot of money taken out of your pocket. </p>
</div>

<div class="answer-entry" id="answer3">
<p>No. Schools cannot require you to use their bank, so shop around.
</p><ul><li>Don't feel limited to only the banks or credit unions that have ATMs on or near campus; some will automatically reimburse fees for using any ATM. </li>
<li>Consider accounts that offer services like remote check deposits, mobile apps, and online bill-pay. Signing up for a bank account now can save you headaches later, and researching accounts with the lowest fees can save you money. </li></ul>
Expand All @@ -101,7 +101,7 @@ <h5 class='guide-sect-header black vspace2 tb border-overlay'>Why Is it importan
</div>


<div id='print-questions'>
<div id="print-questions">
<h2 class="font-xxl nc">When should I get a bank account? </h2>
<p><p>Choose an account as soon as possible - you should try to find one before you start school.</p>
<p>Once you have a bank account, sign up for direct deposit with your school before classes start. If you are expecting money from your financial aid office, you'll often get it faster this way - it can be weeks before the school gets to writing you a paper check.</p></p><br>
Expand All @@ -110,22 +110,22 @@ <h2 class="font-xxl nc">How do I avoid paying unexpected fees?</h2>

<p>Does your bank charge monthly fees? Many require minimum balances or regular direct deposit to avoid monthly fees. What about out-of-network ATM fees, overdraft fees, fees to use your debit card, and fees for services like online bill-pay? </p>

<p>Knowing if and when fees will be charged could save you hundreds of dollars in fees each year. <a href="http://www.fdic.gov/bank/analytical/overdraft/FDIC138_Report_FinalTOC.pdf" target="_blank">While half of young Americans never overdraft, the other half average approximately seven overdrafts a year.</a> Overdrafts can cost more than $30 each; that's potentially a lot of money taken out of your pocket. </p></p><br>
<p>Knowing if and when fees will be charged could save you hundreds of dollars in fees each year. <a href="http://www.fdic.gov/bank/analytical/overdraft/FDIC138_Report_FinalTOC.pdf" target="_blank" rel="noopener noreferrer">While half of young Americans never overdraft, the other half average approximately seven overdrafts a year.</a> Overdrafts can cost more than $30 each; that's potentially a lot of money taken out of your pocket. </p></p><br>
<h2 class="font-xxl nc">Do I have to get an account with the bank at my school? </h2>
<p><p>No. Schools cannot require you to use their bank, so shop around.
</p><ul><li>Don't feel limited to only the banks or credit unions that have ATMs on or near campus; some will automatically reimburse fees for using any ATM. </li>
<li>Consider accounts that offer services like remote check deposits, mobile apps, and online bill-pay. Signing up for a bank account now can save you headaches later, and researching accounts with the lowest fees can save you money. </li></ul></p><br>
</div>
</div>
<div class='span3'>
<div class="span3">
<div>
<h2 class="guide-sect-header black" id="action-steps">Action Steps</h2>
<ol class='action-steps'>
<ol class="action-steps">
<li class="li-1">Choose an account as soon as possible.</li>
<li class="li-2">Avoid paying unexpected fees. </li>
<li class="li-3">Sign up for direct deposit as soon as possible. </li>
</ol>
<a class="btn btn-document" target='_blank' href="/f/Money.pdf">Download <br/>action guide</a>
</ol>
<a class="btn btn-document" href="/f/Money.pdf" target="_blank" rel="noopener noreferrer">Download <br/>action guide</a>
</div>
</div>
</div>
Expand All @@ -145,38 +145,38 @@ <h4 class="vspace1 offset-s">What you need to know</h4>
</div>
<div class="rel-ico-span relative">
<div class="icon ico-bullet_check"></div>
<h4 class="vspace1 offset-s">Keep in mind</h4>
<h4 class="vspace1 offset-s">Keep in mind</h4>
<p class="offset-s" style='color:#444;'><p>Dig deeper when accounts are marketed as "free" or "easy" - very few accounts charge no fees at all.</p>
<p>Signing up for a bank account now can save you headaches later, and researching accounts with the lowest fees can save you money.</p></p>
</div>
</div>

<!--BANKING OPTIONS -->
<!--BANKING OPTIONS -->
<div class="accordion vspace2 print-show">
<div class="accordion-heading sky-lightest-bg">
<span class="ec uc">View Banking Options</span>
</div>
<div class="accordion-item">
<div class="accordion-body sky-lightest-bg" style='padding-top:0px;'>
<div class="accordion-body sky-lightest-bg" style="padding-top:0px;">
<div>You have many bank accounts options. Here are three possibilities and key factors to compare when making your decision.</div>
</div>
<table class="pacific-lightest-bg stretch loans-table lbtable compare-table">
<thead class="">
<tr>
<thead class="">
<tr>
<th>&nbsp;</th>
<th class="font-xxl">Virtual checking account</th>
<th class="font-xxl">Student checking account</th>
<th class="font-xxl">School-affiliated banking services </th>
</tr>
</thead>
</tr>
</thead>
<tbody class="">
<tr>
<tr>
<td class="rh font-m uc">
<div class="icon-positioning-fix">
<div class="icon ico-bullet_check"></div>
</div>
How it works
</td>
</td>
<td class="thick-line">
Some financial institutions provide exclusively online banking services that are comparable to a traditional checking account
</td>
Expand All @@ -185,16 +185,16 @@ <h4 class="vspace1 offset-s">Keep in mind</h4>
</td>
<td class="thick-line">
Many colleges have a bank they partner with to offer students campus affiliated checking accounts or prepaid debit cards
</td>
</tr>
<tr>
</td>
</tr>
<tr>
<td class="rh font-m uc ico-interest">
<div class="icon-positioning-fix">
<div class="icon ico-bullet_plus"></div>
</div>
Benefits
</td>
<td class="line">
</td>
<td class="line">
<p>May waive or reimburse ATM fees, even those for out-of-network ATMs</p>

<p>Often include online banking and bill-pay</p>
Expand All @@ -217,7 +217,7 @@ <h4 class="vspace1 offset-s">Keep in mind</h4>
<p>May offer discounts at local or campus businesses</p>

<p>Sometimes your student ID card can be used to access your money</p>
</td>
</td>
</tr>
<tr>
<td class="rh font-m uc ico-eligibility">
Expand All @@ -226,15 +226,15 @@ <h4 class="vspace1 offset-s">Keep in mind</h4>
</div>
Risks
</td>
<td class="line">
<td class="line">
Generally do not have in-person customer service options
</td>
<td class="line">
<p>Possibly charge monthly maintenance fees - up to $12 a month in some cases - if you don't meet the minimum balance or the bank's other enrollment criteria, like maintaining a full-time enrollment status at school</p>

<p>May charge more than $30 per overdraft, which can add up quickly, especially if you opt in to coverage for ATM and debit card overdrafts</p>
<p>May charge more than $30 per overdraft, which can add up quickly, especially if you opt in to coverage for ATM and debit card overdrafts</p>
</td>
<td class="line">
<td class="line">
<p>Could charge fees every time you use your debit card</p>

<p>Don't always provide the ability to write checks</p>
Expand All @@ -245,10 +245,10 @@ <h4 class="vspace1 offset-s">Keep in mind</h4>

<p>May charge more than $30 per overdraft, which can add up quickly especially if you opt in to coverage for ATM and debit card overdrafts</p>
</td>
</tr>
</tbody>
</tr>
</tbody>
</table>
</div><!--Accordion Item End-->
</div><!--Accordion Item End-->
</div><!--Accordion End-->

<h2 class='comparison-h2'>Financial aid disbursement</h2>
Expand All @@ -260,12 +260,12 @@ <h4 class="vspace1 offset-s">What you need to know</h4>
</div>
<div class="rel-ico-span relative">
<div class="icon ico-bullet_check"></div>
<h4 class="vspace1 offset-s">Keep in mind</h4>
<h4 class="vspace1 offset-s">Keep in mind</h4>
<p class="offset-s" style='color:#444;'>You normally have several options for how you get that money, including direct deposit to a bank account, to a card that might also double as your student ID, by check, or cash.</p>
</div>
</div>

<!--BANKING OPTIONS -->
<!--BANKING OPTIONS -->
<div class="accordion vspace2 print-show">
<div class="accordion-heading sky-lightest-bg">
<span class="ec uc">View aid disbursement options</span>
Expand All @@ -275,22 +275,22 @@ <h4 class="vspace1 offset-s">Keep in mind</h4>
<div>We encourage you to choose your disbursement option wisely. They all have benefits and risks, so the most important thing is that you understand your needs and what potential fees you will be charged to use each option.</div>
</div>
<table class="pacific-lightest-bg stretch loans-table lbtable compare-table">
<thead class="">
<tr>
<thead class="">
<tr>
<th>&nbsp;</th>
<th class="font-xxl">Direct deposit to personal account</th>
<th class="font-xxl">Paper check</th>
<th class="font-xxl">Financial aid disbursement account </th>
</tr>
</thead>
</tr>
</thead>
<tbody class="">
<tr>
<tr>
<td class="rh font-m uc">
<div class="icon-positioning-fix">
<div class="icon ico-bullet_check"></div>
</div>
How it works
</td>
</td>
<td class="thick-line">
Once you choose the best bank account for you, share that information with your school, and they will deposit additional aid funds directly to that account
</td>
Expand All @@ -303,16 +303,16 @@ <h4 class="vspace1 offset-s">Keep in mind</h4>
<p>The most common option is a debit card attached to bank account that has your financial aid deposited in it</p>

<p>You are not required to use the bank chosen by your school</p>
</td>
</tr>
<tr>
</td>
</tr>
<tr>
<td class="rh font-m uc ico-interest">
<div class="icon-positioning-fix">
<div class="icon ico-bullet_plus"></div>
</div>
Benefits
</td>
<td class="line">
</td>
<td class="line">
<p>You can pick an account that offers what you need and charges few or no fees</p>

<p>You can access the disbursement quickly with direct deposit</p>
Expand All @@ -322,7 +322,7 @@ <h4 class="vspace1 offset-s">Keep in mind</h4>
</td>
<td class="line">
Often the quickest way to access to your disbursement if you haven't already provided your school with direct deposit information
</td>
</td>
</tr>
<tr>
<td class="rh font-m uc ico-eligibility">
Expand All @@ -331,29 +331,29 @@ <h4 class="vspace1 offset-s">Keep in mind</h4>
</div>
Risks
</td>
<td class="line">
<td class="line">
No significant risks
</td>
<td class="line">
<p>If you use a check casher, they may charge as much as 4% of the check amount</p>

<p>You may not be able to access your funds immediately after making a deposit</p>
<p>You may not be able to access your funds immediately after making a deposit</p>
</td>
<td class="line">
<td class="line">
<p>The school makes the agreement with the bank, not you</p>

<p>You won't be able to shop for a low-cost product, and these cards and accounts may come with fees you could avoid by shopping</p>
</td>
</tr>
</tbody>
</tr>
</tbody>
</table>
</div><!--Accordion Item End-->
</div><!--Accordion Item End-->
</div><!--Accordion End-->


</div>
<div class='span3'>

<div class='bubble-space'>
<div class="bubble-transparent font-m vspace1">
<div class='bubble-top-text'><h5 class="guide-sect-header orange vspace2 tb" id="ask-cfpb-print">Ask CFPB!</h5>
Expand Down Expand Up @@ -383,12 +383,12 @@ <h4 class="vspace1 offset-s">Keep in mind</h4>
</div>
</div>
</section><!-- SECTION -->
<section class='major-sect'>
<section class="major-sect">
<div class="border-overlay-spacing">
<h5 class='guide-sect-header black vspace2 tb border-overlay'>Take action</h5>
<h5 class="guide-sect-header black vspace2 tb border-overlay">Take action</h5>
</div>
<div class='row'>
<div class='span9'>
<div class="row">
<div class="span9">
<div class="row cf pad-top" id="take-action">
<div class="span3">
<div class="bullet green-bg vspace1">1</div>
Expand All @@ -407,8 +407,8 @@ <h5 class='guide-sect-header black vspace2 tb border-overlay'>Take action</h5>
</div>
</div>
</div>
<div class='span3'>
<a class="btn btn-document" href='/f/Money.pdf' target='_blank'>
<div class="span3">
<a class="btn btn-document" href="/f/Money.pdf" target="_blank" rel="noopener noreferrer">
Download <br>action guide
</a>
</div>
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