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I can answer any questions about federal student loans and many about private student loans. I can also answer questions about other types of financial aid. I am not a financial planner or attorney so cannot give investment or legal opinions.

Experience in the area

I have worked in the student loan industry for over 15 years - primarily in the compliance area. I also work with borrowers with particularly complicated issues. I had a column answering financial aid questions in several newspapers for seven years and have appeared in several radio and television segments on student loans and financial aid. I have given presentations all over the world on the US financial aid programs.


National Council of Student Loan Programs Massachusetts Association of Student Financial Aid Administrators


Boston Metro Washington Post Express various industry blogs and newsletters


BS in Business Communications.

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Miss S. Wilson10/18/16101010 
Amber09/28/161010Thank you.
Ashley07/29/16101010 Thank you for your quick response .....
jared02/10/16101010Thank you for your reply. I appreciated .....

Recent Answers from Betsy

2016-10-11 FAFSA & Working?:

Hi there    You can work as much as you want without losing your federal aid.  With that said, there are income limits for certain need based aid programs such as Pell grants and subsidized loans.  It's

2016-09-22 Missing loan?:

Hi there    so sorry for the delay in replying.  I have no idea why you would have received less - you'll need to talk to the aid office about it.  It could be that you have reached the aggregate limit

2016-02-24 financial aide for adults:

Hi there    I'd start with federal aid programs first by applying at  This will also be the gateway to most state and institutional aid.  Schools that focus on teaching degrees may also

2016-02-07 FAFSA:

HI there    I am not a tax expert but I'll take your word for it that she qualified as your dependent for tax purposes.  This should not affect her FAFSA in any way as the word dependent has a completely

2014-11-27 Repayment:

Hi there    So sorry for the delay but this account is attached to my work email and I was out of the office for Thanksgiving.  If you have federal loans, you can apply for a disability discharge at www


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