Brad BarnettBrad received his Bachelor of Science degree from Southern Arkansas University, with a major in Psychology and a minor in Business. He furthered his education by graduating from the Medical College of Virginia at Virginia Commonwealth University with a Master of Science degree in Rehabilitation Counseling, specializing in Mental Health. He has been involved in the financial aid and/or rehabilitation professions for the past 15 years. Brad, a Past President of the Virginia Association of Student Financial Aid Administrators (VASFAA), currently serves as the Senior Associate Director of Financial Aid & Scholarships for James Madison University. Immediately prior to JMU, he served as an Assistant Director of the Financial Aid Office at Virginia Commonwealth University. Brad has presented numerous sessions at state, regional, and national conferences, and has served on a variety of association committees. In addition to speaking at professional conferences, Brad has conducted an abundance of workshops and presentations in non-conference environments, including teaching a credit based financial literacy course at JMU entitled “Dollars and Sense.” Many of the topics Brad’s speaks on include communication, leadership, values, financial aid policies and procedures, financial literacy, and saving for college. He has also facilitated strategic planning and value development retreats.
Host: Do I have to borrow the full loan amount that I am offered?
Brad Barnett: Oh, definitely not and we encourage you not to if you can avoid it. Your loan offer maybe at a level that s much higher than what you really to figure out that you need and if that is the case you simply respond in the acceptance process and accept a smaller dollar amount. So do your budget, figure how much you need and please don t accept more loan money than is actually necessary.