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Don't forget that you're also assured your return is being processed if you're using e-file; use the mail and you're crossing your fingers it got to the IRS, unless you're paying for a certified service. Another misconception among students is that they need to have filed the prior year's Federal Income Tax return form, or 1040, in order to apply for student aid. One more thing: The sooner you complete your initial FAFSA application, then follow up every few days until you receive your final Student Aid Report (SAR), the better your chances of receiving the most money for school. It will also alert you when you spend more money than usual in a particular category, but it generally takes a few months of use before this becomes useful. Filling out a FAFSA is not loads of fun, but the money the federal government has available will make paying off your loans later much less painful. You can even print out a time line or list of important dates and post it where you'll see it every day. It can help you meet financial goals to make new purchases and give you long-term views of your investments, your spending habits and perhaps most importantly, help you tuck away a little bit in case of emergencies.

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