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	<title><![CDATA[finaid page Resources | BNET]]></title>
	<link><![CDATA[http://resources.bnet.com/topic/finaid+page.html]]></link>
	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to finaid page]]></description>
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	<language>en-us</language>
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		<title><![CDATA[Savings Plan Designer (Flat Contribution)]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973623]]></link>
		<description><![CDATA[This tool shows you how much money you must contribute each month to an interest-bearing bank account or investment fund in order to reach your savings goals. ]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/productivity.html"><![CDATA[Productivity]]></category>
		<category domain="http://resources.bnet.com/topic/investment.html"><![CDATA[Investment]]></category>
		<category domain="http://resources.bnet.com/topic/financial+services.html"><![CDATA[Financial Services]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Savings Plan Designer (Percent of Income Contribution)]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973627]]></link>
		<description><![CDATA[This tool shows you how much money you must contribute each month to an interest-bearing bank account or investment fund in order to reach your savings goals. Instead of calculating a fixed dollar amount to save per period, it calculates a percentage of your gross income. ]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/income.html"><![CDATA[Income]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/personal+finance.html"><![CDATA[Personal Finance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Savings Growth Projector]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973631]]></link>
		<description><![CDATA[The greatest asset parents have available when preparing for the costs of their children's education is time. It is never too soon to start saving. The sooner you begin, the more your money will grow due to the wonders of compound interest. This Savings Growth Projector illustrates how regular contributions...]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/asset.html"><![CDATA[Asset]]></category>
		<category domain="http://resources.bnet.com/topic/interest.html"><![CDATA[Interest]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/asset+management.html"><![CDATA[Asset Management]]></category>
		<category domain="http://resources.bnet.com/topic/projectors.html"><![CDATA[Projectors]]></category>
		<category domain="http://resources.bnet.com/topic/operational+planning.html"><![CDATA[Operational Planning]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/hardware.html"><![CDATA[Hardware]]></category>
		<category domain="http://resources.bnet.com/topic/components.html"><![CDATA[Components]]></category>
	</item>
	<item>
		<title><![CDATA[Annual Yield]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973635]]></link>
		<description><![CDATA[This Annual Yield Tool computes the annual yield required to achieve a given total return over a specified number of years. To calculate the required annual yield, you may either enter a total rate of return or the present value and desired future value of the investment. ]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/yield.html"><![CDATA[Yield]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/investment.html"><![CDATA[Investment]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Compound Interest]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973639]]></link>
		<description><![CDATA[This Compound Interest Tool illustrates the effects of compounding on the effective interest rate. It computes the effective interest rate for an investment compounded at different intervals. ]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/interest+rate.html"><![CDATA[Interest Rate]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/financial+services.html"><![CDATA[Financial Services]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Savings Plan Yield]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973643]]></link>
		<description><![CDATA[This Savings Plan Yield Tool computes the annual interest rate required to reach your savings goal given the present value of your savings, the value of your regular contributions and the amount of time available.  ]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/value.html"><![CDATA[Value]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/financial+services.html"><![CDATA[Financial Services]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Savings Vs Borrowing Calculator]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973647]]></link>
		<description><![CDATA[It is cheaper to save than to borrow. When families contemplate college expenses, they can pay for it using a combination of past income savings, current income and future income loans. This tool demonstrates the tradeoffs between the different ways of paying for college.  ]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/income.html"><![CDATA[Income]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/personal+finance.html"><![CDATA[Personal Finance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Level Payment Calculator (Amount)]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973651]]></link>
		<description><![CDATA[This level payment tool is an integrated saving and borrowing tool that focuses on what really matters to most people: how much they'll pay per month. Think of it as a layaway plan for college that starts several years before matriculation and continues for several years after graduation. In other...]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/payment.html"><![CDATA[Payment]]></category>
		<category domain="http://resources.bnet.com/topic/college.html"><![CDATA[College]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Level Payment Calculator (Percent Of Income)]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973655]]></link>
		<description><![CDATA[This level payment tool is an integrated saving and borrowing tool that focuses on what really matters to most people: how much they'll pay per month. Think of it as a layaway plan for college that starts several years before matriculation and continues for several years after graduation. In other...]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/payment.html"><![CDATA[Payment]]></category>
		<category domain="http://resources.bnet.com/topic/college.html"><![CDATA[College]]></category>
		<category domain="http://resources.bnet.com/topic/income.html"><![CDATA[Income]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Inverted Level Payment Calculator (Amount)]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973659]]></link>
		<description><![CDATA[This inverted level payment tool is an integrated saving and borrowing tool that focuses on what really matters to most people: how much they'll pay per month and how much money they'll have for college. Think of it as a layaway plan for college that starts several years before matriculation...]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/payment.html"><![CDATA[Payment]]></category>
		<category domain="http://resources.bnet.com/topic/college.html"><![CDATA[College]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Inverted Level Payment Calculator (Percent of Income)]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973663]]></link>
		<description><![CDATA[This inverted level payment tool is an integrated saving and borrowing tool that focuses on what really matters to most people: how much they'll pay per month and how much they'll have for college. Think of it as a layaway plan for college that starts several years before matriculation and...]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/payment.html"><![CDATA[Payment]]></category>
		<category domain="http://resources.bnet.com/topic/college.html"><![CDATA[College]]></category>
		<category domain="http://resources.bnet.com/topic/income.html"><![CDATA[Income]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Expected Family Contribution (EFC) Calculator]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973667]]></link>
		<description><![CDATA[This tool is used to calculate the Expected Family Contribution EFC and financial need, and to estimate your student financial aid.This tool is used to calculate the Expected Family Contribution EFC and financial need, and to estimate your student financial aid. ]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/financial+accounting.html"><![CDATA[Financial Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Quick EFC Approximation Chart (Not EFC)]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973675]]></link>
		<description><![CDATA[This tool generates a simplified chart showing approximations of the Expected Family Contribution EFC. The results are only an approximation of the Federal EFC figure that is calculated when you file the FAFSA form. This chart is likely to be within $500 of the correct results for typical students. The...]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/approximation.html"><![CDATA[Approximation]]></category>
		<category domain="http://resources.bnet.com/topic/chart.html"><![CDATA[Chart]]></category>
		<category domain="http://resources.bnet.com/topic/tool.html"><![CDATA[Tool]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/amounts.html"><![CDATA[Amounts]]></category>
		<category domain="http://resources.bnet.com/topic/productivity.html"><![CDATA[Productivity]]></category>
	</item>
	<item>
		<title><![CDATA[Proposal For Simplified EFC (Not EFC)]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973679]]></link>
		<description><![CDATA[This tool implements a proposal by Mark Kantrowitz for an extreme simplification of the federal need analysis methodology. It argues that if the loan repayment cap in the income-based repayment program is sufficient to evaluate ability to pay after a student graduates college, it should also be sufficient to evaluate...]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/analysis.html"><![CDATA[Analysis]]></category>
		<category domain="http://resources.bnet.com/topic/proposal.html"><![CDATA[Proposal]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/professional+development.html"><![CDATA[Professional Development]]></category>
		<category domain="http://resources.bnet.com/topic/career.html"><![CDATA[Career]]></category>
	</item>
	<item>
		<title><![CDATA[Federal Housing Index Calculator]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973683]]></link>
		<description><![CDATA[Over-estimating the fair market value of your home can adversely affect your eligibility for financial aid. This tool uses the Federal Housing Index Multiplier (2006 tables) from the Bureau of Economic Analysis at the US Department of Commerce to compute the minimum derived value of your home, based on the...]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/value.html"><![CDATA[Value]]></category>
		<category domain="http://resources.bnet.com/topic/tool.html"><![CDATA[Tool]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/productivity.html"><![CDATA[Productivity]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
	</item>
	<item>
		<title><![CDATA[Loan Payment Chart Generator (Rates Vs Fees)]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973687]]></link>
		<description><![CDATA[This Loan Payment Chart Tool generates charts that may be used to compare loans at various interest rates, fees, and loan terms. The tool can generate charts that compare monthly payments, total payments, and total interest paid over the lifetime of the loan. It can generate either absolute dollar amounts...]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/payment.html"><![CDATA[Payment]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Loan Payment Chart Generator (Balance Vs Rates)]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973691]]></link>
		<description><![CDATA[This Loan Payment Chart Tool generates charts that may be used to compare loans at various loan amounts, interest rates, fees, and loan terms. The tool can generate charts that compare monthly payments, total payments, and total interest paid over the lifetime of the loan. It can generate either absolute...]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/payment.html"><![CDATA[Payment]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Income Contingent Repayment Loan Payment Calculator]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973695]]></link>
		<description><![CDATA[This tool compares the cost of repaying Federal student loans using the Income Contingent Repayment ICR option and the standard repayment option, including the net present value of those payments. ]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/payment.html"><![CDATA[Payment]]></category>
		<category domain="http://resources.bnet.com/topic/income.html"><![CDATA[Income]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/personal+finance.html"><![CDATA[Personal Finance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Income Sensitive Repayment Loan Payment Calculator]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973697]]></link>
		<description><![CDATA[The Income Sensitive Repayment Tool compares the cost of repaying Federal student loans using the Income Sensitive Repayment ISR option and the standard repayment option. ]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/payment.html"><![CDATA[Payment]]></category>
		<category domain="http://resources.bnet.com/topic/income.html"><![CDATA[Income]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/income+sensitive+repayment+tool.html"><![CDATA[Income Sensitive Repayment Tool]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/personal+finance.html"><![CDATA[Personal Finance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Income-Based Repayment Loan Payment Calculator]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973699]]></link>
		<description><![CDATA[This tool compares the cost of repaying Federal student loans using the Income-Based Repayment IBR option and the standard repayment option, including the net present value of those payments. ]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/payment.html"><![CDATA[Payment]]></category>
		<category domain="http://resources.bnet.com/topic/income.html"><![CDATA[Income]]></category>
		<category domain="http://resources.bnet.com/topic/finaid+page.html"><![CDATA[FinAid Page]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/personal+finance.html"><![CDATA[Personal Finance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
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