Information on five U.S. Department of Education student financial aid programs and how to apply for them is presented: Pell Grants, Supplemental Educational Opportunity Grants, College Work-Study, Perkins Loans (formerly National Direct Student Loans), and Guaranteed Student Loans (Parent Loans to Undergraduate Students and Supplemental Loans for Students). General information is provided on: eligibility, financial need, dependency status, forms and records needed to apply, verification, transfer students, deadlines, and addresses and phone numbers for obtaining information. Advice on debt management covers what to consider before borrowing, borrower rights and responsibilities, and consolidation of loans. Included are a glossary and the addresses and phone numbers of state education agencies that provide information on federal loans and state student aid. (SW)