The worst-kepy secret in higher education is how much it costs. To help parents and college-bound students get a better handle on the costs and financing options, McGraw-Hill Federal Credit Union will host “How to Apply for Student Loans and Educational Grants” on Wednesday, June 22, from 5:30 to 7 p.m. at the credit union offices at 120 Windsor Center Drive in East Windsor. The seminar is free to attend. Call 800-226-6428, ext. 6508, or E-mail

According to McGraw-Hill, the need to stay up with current trends in education financing is vital. Federal programs like the year-round Pell grant have been eliminated and states are less forgiving when it comes to funding grant and scholarship requests if deadlines are missed. Most people are unaware of such changes.