Financial Planning


Transit Financial Wellness

Students face financial decisions which cause a significant amount of stress and can have major life-long consequences. West Virginia University has partnered with EverFi to add the “Transit Financial Wellness” course as one component of the Blue to Gold Personal Financial Education Program. Transit is designed to educate and empower students to make well-informed financial decisions and help prevent financial behaviors that could negatively impact their futures.

Every incoming WVU student required to take the First Year Seminar course is required to complete Transit. Transit will be available starting July 11, 2016 for Fall 2016 students.

  1. You can access the “Transit Financial Wellness” course by clicking on the TRANSIT button below.
  2. You will login using your WVU Login credentials. If you have not activated your WVU Login account, please go to https://login.wvu.edu and click on Claim Account.
  3. Part 1 of the Transit Course should be completed and the quiz passed with a score of 70% or better by September 12, 2016. It takes approximately 1 to 1 hours to complete.
  4. Part 2 of the course which consists of a post-survey opens October 17, 2016. It takes about 15 minutes to complete.
  5. Part 2 should be completed by December 5, 2016. You can print your certificate for completing the course directly from the Transit website for your records.
Should you have any problems logging into the Transit system using your WVU Login credentials, please contact WVU’s Information Technology Service Help Desk at 304-293-4444 or by email at ITSHelp@mail.wvu.edu. If you experience any technical difficulties while in the course, click the “Help” button to access EverFi’s 24/7 technical support. Please email any non-technical questions to TransitFinancial@mail.wvu.edu. Enjoy the course!
Transit Financial Wellness

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Developing a Four-Year Financial Plan

An important part of the college experience is learning to manage personal finances. Paying for college isn’t a small task, and it takes an understanding of your finances – what you should and should not spend your money on – to graduate with the least amount of debt.

To help you work toward this goal, we have developed a Budget Calculator to assist you with creating a four year financial plan. This plan should be completed in your first year at WVU. The calculator is an important tool that if used correctly and followed diligently, can allow you to maximize your finances and make the most of your college experience.

Budget Calculator

Should you have questions, contact us by email at TransitFinancial@mail.wvu.edu.





Living expense refunds from financial aid are for educational purposes for a semester. In many cases a portion or all of your refund consists of federal, institutional, and/or private loans. You will be required to repay these funds in the future. Not to mention, most borrowers will have to pay interest in addition to repaying the principal balance.


money-budget

Budget …

and decide if you can afford to return a portion or all of the money that you have borrowed to the Office of Student Accounts or the Financial Aid Office.

* Repay and Save
money-save

Save …

on all of your expenses; opportunities are endless:


money-seek

Seek …

scholarships (they won’t come and find you):


money-earn

Earn …

money now by working a job and explore future careers:


money-know

Know …

how much you’ve borrowed in federal student loans; how much interest is accruing; how to contact your federal loan servicer using the National Student Loan Data System at nslds.ed.gov

Example: What is an extra $2,000 per year in an unsubsidized student loan? It could end up costing you an additional $3,250 in interest if you select a Standard repayment plan and it takes you 10 years (120 months) to pay off the loan. If you select a plan in which it takes 20 years (240 months) to pay off the loan, you end up with an additional $5,820 in interest. You could have been saving that money for a future house, car, etc. instead! Try out our in-school interest calculators and the mapping your future student loan (repayment) calculator.


Disclaimer: These calculators are provided only as general self-help planning tools. Results depend on many factors, including the assumptions you provide.