Are you thinking about going back to school to further your education and improve your employment opportunities? You are not alone- thousands of Maine adults become new or returning students every year. They are students at trade schools, community colleges and four-year colleges and universities.

Tips for Success

Whether you think of yourself as an “adult learner” or “nontraditional student,” here are some things that will help you as you plan your next steps.

adult-ed-school-icon Tips for Adult LEARNERS »

Invest in Your Future

  • Download FAME’s Lifetime Learning Kit.
  • Open a NextGen 529TM account to help avoid student loan debt. Every dollar in a NextGen 529 account, when used for qualified higher education expenses, is a dollar that doesn’t need to be borrowed and repaid with interest.
  • Manage household expenses by setting financial goals, reviewing expenses, and creating a spending plan. Download and use FAME’s MANAGE: Making Your Money Work guide.
  • Determine if previous courses and prior learning can be counted toward your degree program to save you time and money. Can you transfer credits from a previous school? Or explore doing a Prior Learning Assessment (PLA). Connect with the admissions office at the school you hope to attend for more information.
  • Check out alternative funding options such as employer tuition reimbursement, military benefits and state programs.
  • Explore borrowing options as a last resort. If you need to borrow, explore federal loan options first, then compare and evaluate private loan options. Learn more at The Loan for Me.



NextGen is a Section 529 plan administered by the Finance Authority of Maine (FAME). Before you invest in NextGen, request a NextGen Program Description from your Merrill Lynch Financial Advisor or Maine Distribution Agent or call Merrill Edge at 1-877-463-9843 and read it carefully. The Program Description contains more complete information, including investment objectives, charges, expenses and risks of investing in NextGen, which you should carefully consider before investing. You also should consider whether your or your designated beneficiary’s home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state’s 529 plan. Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer, member SIPC, is the program manager and underwriter.

Adult Learners
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