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FLAMES Frequently Asked Questions

Below are answers to FLAMES' most commonly asked questions.

FAQ Questions


Yes, we can assist with all the steps involved in applying for a federal student loan. We also provide in-person loan borrowing entrance counseling, and previously-borrowed loan counseling for students.

Yes, we can help you at the kiosks next to the Financial Aid Office, or you can make a one-on-one appointment with any FLAMES team member.

If you are interested in joining the our team, please inquire at the Financial Aid Office.

All FLAMES team members go through the financial aid training process first, then have the option of applying for the team!

The "Money Savvy Scholars (MSS)" is a $100 incentive scholarship awarded to those who complete three individual appointments with a FLAMES peer mentor and attend three workshops.

For more information please contact us.

FLAMES provides information on just about any subject related to financial wellness. Some topics include: budgeting, credit cards, identify theft, banking, purchasing a car, credit reports and more!

Visit TMCC's Financial Aid Office FAQs for a lot of great information!

We are located in the Red Mountain Building on the Dandini Campus, in front of RDMT 315 in the middle of the third floor.

Student Loans


A grace period for student loans is a period of time, typically 6 months, in which a student is not required to make any loan payments. A borrower enters a grace period if they discontinue enrollment or drop below half-time (6 credits).

If you are having trouble paying back your student loan, please contact your loan servicer as soon as possible.

There are options available such as changing your due date, changing your payment plan, and requesting a deferment or forbearance. Your loan servicer can help you so that you do not go into default.

Visit, scroll down to the bottom and click on "Loan Servicers". You can also see your loan servicer and your loan history through the National Student Loan Data System (NSLDS).

You can see your student loan history at the National Student Loan Data System (NSLDS).


The higher the credit score the better. Credit scores help determine your "creditworthiness", or the likelihood you will pay back a loan.

Typically, the higher your credit score the lower interest rates you will get when applying for other loans such as car or home loans. Your credit limit will also increase if you have a high credit score.

To start building your credit: apply for a secured or prepaid credit card and make your monthly payments on time and in full. Keep your credit card balance low.

Another way to build your credit is to put a bill in your name, such as a cell phone or utility bill.

A good credit score is considered to be 740 and above.