Protect Your Future.

What students should know about college loans!

College Loan debt has reached $1 billion in the U.S. In Ohio more than 14% of college students are in default.

OACCS is the professional association of Ohio’s 100+ colleges and schools that provide career-focused education. You may already know us as providers of the Legislative Scholarship Program, offering more than $1.1 million in tuition aid annually. To address the student debt crisis, OACCS is launching a statewide initiative – called $martStart – to educate your students and prospective students about responsible borrowing.

There are many resources available to educate potential college students about the challenges of taking out loans for college or post-secondary skill training. The sites listed below are good places to start.

U.S. Department of Education:

Ohio Board of Regents:

Mapping Your Future:

Student Loan Network:

(and more to come.  Check back)

In less than 20 minutes future students can get on line and learn:

Financial Planning Made Simple (FPMS) is a free online-based tool to help high school students make responsible financial decisions.


  • Help students understand the terms and conditions of financial aid loans
  • Teaches students to make smart decisions about their financial futures
  • Students will learn how to create a personal budget
  • Helps students identify wants vs. needs.
  • Financial planning tool is useful for short and long term planning.


To learn more about (FPMS) click here

To use this free tool requires a Login and Password.

If you have not yet been given this access information, please see your Guidance Counselor.

(Note to Guidance Counselor: To register your high school for use of this free tool, please contact OACCS at 614-487-8180 or email at

To use FPMS login here: Click here to begin the FPMS tool OACCS Members

Click here to see how your school and students can benefit from FPMS.