Through the Work & Family Benefits, Inc. Values Package®, WFB provides extensive online resources for students and parents planning for college, including:

• College Financing
  Use the award-winning College Aid Calculator® to plan and estimate your share of college costs. By entering your income, tax and asset information, in a few easy steps you can calculate your Expected Family Contribution (EFC). This is a primary consideration in determining federal financial aid. You can also test different financial aid "what if" scenarios and compute loan payments.

  You can also link directly to the website of Federal Student Aid, the resource of the US Department of Education for student aid. The Free Application for Federal Student Aid (FAFSA) is also available. You can read about eligibility and instructions for FAFSA, fill out the online application and check the status of a submitted application.

• College Planning
  WFB has brought together resources for planning for college. Included is a College Search maintained by the Department of Education. You can search colleges by region, type, instructional program, name or number of students. Also link to the College Board and National Association for College Admission Counseling for additional resources for students and parents.
  
  
• WFB NotesSM on college financing and planning topics provide a general overview of topics and can be read online.

To access these resources:

• Visit www.wfbenefits.com.
• Click "Information for Employees."
• Enter WHOI and click "Submit."
• Verify your location and click "Go."
• On the employee homepage, select "Schools & Colleges."

Remember, you can always call Work & Family Benefits, Inc.'s counselors at 1-800-328-4071 to discuss your needs for child care, elder care, care for persons with disabilities, legal matters and credit concerns.

4/15/04