to distinguish what's a grant and what's a loan. they may not even use the word loan. here it is, out of pocket. >> ask questions, and remember, you're not just paying for one year. >> it's not about that first year of college. it is ensuring you are accepting a financial aid package that has renewable money. >> about half all colleges practice what's called front loading of grants. that means your grants as a freshman are going to be more generous mix than your grants as a sophomore, junior, or senior. >> if you're disappointed, don't be afraid to ask for more money. >> there are other things can be done. an award letter is not the end all beat all. >> but watch your tone. >> colleges aren't car dealerships where bluff and blues ter get you a better deal. provide documentation they weren't aware of about your financial situation. >> a job loss, major medical expenses, private k-12 tuition