Shopping & Services

ADT Monitored Home Security: Protect Your Home and Family 24/7

ADT is America’s #1 Home Security Company offering the best nationwide offers with local installation service. Through the U.S. Patriot Card, eligible customers are able to receive an ADT-monitored home security system valued at $850 with only a $99 customer installation charge and purchase of alarm monitoring services.

ADT OFFERS FULL HOME PROTECTION & PEACE OF MIND.

• Fast Alarm Response - When a home security alarm is received, ADT can call the local authorities for help so they can respond to any emergency at your home!
• Easy-to-Use Home Security System - The keychain remote lets you arm and disarm your ADT-monitored home security system with a touch of a button.
• Low Monthly Monitoring Fees - ADT monitored protection is affordable and can save you up to 20% on your homeowner’s insurance.
• 24-Hour Monitoring by ADT Trained Professionals - Knowledgeable home security professionals monitor your home 24 hours a day, 7 days a week from five interconnected monitoring centers.

Act now and receive a $100 VISA Gift Card, a special offer for U.S. Patriot Card members.

Apple offers you special savings, free shipping and 90-day support on it's laptops and desktops, software, peripherals & electronics. Even the world-famous iPod!

When on the go, don't forget to take an iPod or a new Apple notebook for your travel needs.

Apple's award winning product designs make it easy to bring great music and video entertainment with you when traveling, plus download photos. Stay in touch with iSight, Apple's incredibly easy to use personal video conferencing camera that will allow you to have face-to-face conversations with your friends, family and co-workers over the Internet.

As a US Patriot Card member you qualify for special savings in our US Patriot/Apple Government online store. You can save on the complete line of Apple products including iPods, Macbooks, Mac Pro and iMac desktops, and Apple accessories, with special promotions provided throughout the year.

You also get:

• Mac and Windows cross-platform compatibility.
• Free standard shipping on orders of more than $50.
• Laser engraving on all iPods.
• Special quarterly promotions.
• Online custom product configuration.
• A complete online catalog, featuring the latest Apple products and compatible third-party products.
• Quick and easy ordering using your credit card or the Apple Instant Loan2.
• Your US Patriot Card/Apple Computer discount is also honored at Apple Store retail locations nationwide. Just "Flash & Save" your membership card to enjoy special pricing.

Dell offers You 10% Everyday Savings On desktops & Laptops; more deals, too!

Upgrade the laptop and electronics you bring on the road -- or your home computer too! With Dell you can have the state of the art communications and entertainment equipment while traveling.

US Patriot Card members get 10% off on Dell Computer's XPS, Inspiron & Dimension PC systems at our private online Dell store. You can also get other special offers on Dell's AXIM Handhelds, printers, as well as other leading brand electronics, digital cameras, printers, software, games and MP3 Players from companies such as Sony, Canon, Kodak, McAfee, Lexmark, and Microsoft.

Note: Your 10% member discount is combinable with any of Dell Home generally advertised offers as well as special promotions on Dell.com--giving you deals that can save you hundreds of dollars more.

All US Patriot Card members who shop at our private store are also eligible for:

• Special member promotions not available to the general public
• Free shipping offers
• 24x7 technical support
• Special dedicated sales & customer service team

US Patriot Card members get Dell's Premium support that is usually reserved for Dell's top corporate customers -- a great benefit if you need help on the road.

Save $25 On Your Next Tax Return!

Tax Season is looming: Are you prepared?

If so -- you can save this year, too, with your U.S. Patriot Card membership.

Preparing your own tax return can be a complicated and confusing process. But it doesn’t have to be. Thanks to Jackson Hewitt, you can visit any one of 6,500 locations nationwide and get $25 off the preparation fees of your next tax return.

Remember, preparation is key, so look to Jackson Hewitt throughout the year to get a jump on your taxes. Your special U.S. Patriot Card discount is good all year round. And you can even get help on an extension, too.

Tips to Get Started—Jackson Hewitt Recommends:

• All U.S. Patriot Card members can get a downloadable coupon to bring to a Jackson Hewitt tax advisor for instant savings. Just LOG IN to get access, click on over and get your taxes done today!

• Gather all of your tax-related documents. Use Jackson Hewitt’s What to Bring Checklist to get organized.

• Review the company’s Products & Services to learn about the bank products, disbursement methods choices and other options that may be available to you.

• Use a special Office Locator to find a Jackson Hewitt office near you. Or, call Jackson Hewitt toll-free at 1-800-234-1040 to be connected directly to your local Jackson Hewitt Tax Service office.

BarnesAndNoble.com, Special Offer: Get Special Discounts, and fast & free delivery on orders of $25 or more*

Barnes&Noble.com is happy to offer US Patriot Card members with special discounts at a special online store. Save on our incredible selection of Books, Textbooks, DVDs, Music and More: Over one million titles in stock and ready to ship! Shop the custom US Patriot Card online bookstore at and save an additional 5% on every order! (Discounts are automatically applied at check out). Plus, when you load up on your purchases and spend more than $25, your shipping is included free of charge.*

*See site for details. Offer valid through custom bookstore only. Not valid in retail stores.

Target Discounts: Save 10% at Target.com

Get everything you need before you leave on your trip and save 10%.

Stock up at Target.com with fantastic new vacation clothes, luggage, toiletries, sun lotion, sunglasses, digital cameras, camcorders -- everything you could possibly need for your vacation. And as a US Patriot Card member, you are eligible for a 10% discount at www.target.com.

You can save all Target store items, with many exclusives just for online shoppers. There are thousands of selections and no special coupons or codes-- you get 10% off right in your online shopping cart at checkout!

Save from Leading Retailers Online

Choose from a growing list of the leading national retailers including: Adidas, Brigade Quartermasters, Brookstone, Cars Direct, David's Cookies, ESPN Shop, Gamefly, GNC, Golfsmith, Hickory Farms, Jos. A. Bank, Nike, Office Depot, The Sharper Image, Wal-Mart, Zappos.com.

Omaha Steaks -- Special Savings

Do you like to cook out when visiting your vacation home or renting that beach vacation house? Omaha Steaks offers US Patriot Card members a discount online store where you can order for direct delivery to your travel destination, with special savings on gourmet food for vacation dining pleasure! Plan ahead and order your food supplies before you go. From legendary steaks, gourmet main courses, to decadent desserts, Omaha Steaks has everything for delicious, relaxing meals. Plus, if you are n't thrilled, Omaha Steaks will refund your money or replace your order, whichever you prefer.

Specialty Seafood -- 15% off

Treat yourself to the best while on vacation. SeaBear Smokehouse salmon is caught wild in the clear cold waters of Alaska, home to the most abundant wild salmon runs in the world. Recent studies indicate wild salmon is far healthier than farm raised. SeaBear selects only the best of the best: less than 1% of all Alaskan Wild Salmon meets SeaBear's standards. And as a US Patriot Card member you get 15% everyday savings any order of gourmet wild Alaskan salmon, plus a wide array of delicious prepared seafood items, perfect for vacation dining, gifts and entertaining, and for your health!

1800-FLOWERS -- save 15% on Gift Baskets

US Patriot Card members enjoy 15% Everyday Savings when you shopping at 1-800-FLOWERS® by phone, and on the Internet, using a special code only for US Patriot Card members. You'll find the freshest flowers, beautiful plants, gourmet gift baskets, delicious snacks and treats and more stunning selections to romance your sweetheart, thank friends & colleagues, and surprise everyone you love!

Calling Cards

Calling from hotels or abroad can be especially pricey. Your US Patriot Card membership delivers you savings from leading long distance phone and calling card providers, including discount plans for: long distance, calling cards, voice messaging, webm services, home property security, I-net telephony and more. One of the most popular benefits in the US Patriot Card Program is the significant savings that can come from our long-distance and card calling plans. Simply use our convenient 'Best Rate Calculator' to find the optimal plan for your calling needs. A major highlight is a great long distance plan with rates as low as 2.5 cents a minute and many valuable features -- the same service we use at our US Patriot Card offices!

Cell Phones

Your membership in the US Patriot Card program entitles you to special wireless phone offers from major wireless carriers nationwide. Choose from the leading carriers such as:

• AT&T Wireless
• Sprint/ Nextel
• Verizon
• T Mobile

These cell phone or Blackberries are from top name manufacturers such as Nokia, Sony-Ericsson, Motorola, Samsung, Panasonic, RIM, and many more. US Patriot Card cell phone packages also include special offers on: In-car Chargers, Digital or Camera Cell Phones, Accessories Promotions, and Shipping and Handling.

Airport Parking Reservations -- Save time and money with personal attention, and your service fee waived for all US Patriot Card members!

Do you hate to spend hundreds of dollars to park at the airport when you travel? Do you dread the long walks from the parking lots, and those endless, unpredictable shuttle bus rides?

Now you can valet park at the airport - and it's actually cheaper! And as an added bonus, US Patriot Card members don't even have to pay the $5 service fee.

With this new benefit from Veterans Advantage, you pull up at the airport and hand over your keys to a representative of AirportParkingReservation.com who takes care of the rest. When you arrive, your car will be waiting for you.

AirportParkingReservation.com -- which is also a Vet-run corporation -- offers:

• Guaranteed parking reservation
• Choice of over 200 parking lots at 65 airports (selectable by Price, location, services, and more.)
• Discounted rates at most lots
• Exact rate quote for the entire parking stay
• Car Care Services offered at many lots
• Full refund if cancelled 48 hours before departure
• Live chat and toll free number for extra assistance
• Peace of mind - stress-free departure

Prescription Drug Plan -- Save at Thousands of Pharmacies Nationwide

How do you save on the ever rising cost of drugs when you need to fill prescription medications away from home? With the US Patriot Card Prescription Plan! Simply show your US Patriot Card at one of more than 50,000 national and regional pharmacies, and you can save even away from home on both brand-name and generic prescriptions. The US Patriot Prescription Plan helps US Patriot Card members reduce their prescription drug costs. There are no additional monthly fees or premiums to pay as a member to participate in this plan. Participating pharmacies include all the major chains: Rite Aid, Walgreens, Phar-Mor, Eckerd Drugs, Publix, Winn Dixie, Kroger, Safeway, Medicine Shoppe, CVS, Target, Costco, and more plus thousands of independent pharmacies around the nation. The US Patriot Card Prescription Drug Plan can be used as an alternative to your own insurance plan. In some instances, it may cover drugs not covered by your insurance, or offer drugs priced lower than with your own insurance coverage.

Medical Evacuation Insurance -- $50,000 in travel coverage

Uninsured travelers who require medical care overseas often face extreme difficulties. Medicare and Medicaid programs do not provide payment for medical services outside the U.S. Private medical insurance seldom covers medical evacuation from abroad back to the United States. Medical evacuation can easily cost $10,000 and up (Source: U.S. Dept. of State, Bureau of Consular Affairs).

It's easy to take advantage of this benefit--simply activate your Medical Evacuation Insurance Plan with the US Patriot Card to get $50,000 of policy coverage. This insurance is a part of your US Patriot Card membership--a value worth hundreds of dollars if purchased separately.

Our US Patriot Card Medical Evacuation plan covers emergency medical evacuation when traveling domestically or abroad back to a licensed medical facility in your home country, and one-way airfare to the place of residence for dependent children left behind. It also covers a round-trip flight for someone of your choosing to the place of hospitalization if you are hospitalized for more than seven days.

AD&D Insurance Accident Insurance -- $5,000 in coverage

Accidental injury remains the number one cause of death for people under 40 and the fifth leading cause of death for all ages. While no one can predict when or where an accident may occur, you can be prepared when you travel with your AD&D coverage.

As a US Patriot Card member, you are eligible for coverage from our $5,000 AD&D (Accidental Death & Dismemberment) insurance plan. This AD&D insurance plan will deliver you a valuable financial benefit. And, if you already have other forms of life insurance, it offers an added layer of protection. As a US Patriot Card member, you pay nothing once you activate coverage. US Patriot Card pays all the monthly premiums for the policy that covers you by American Group International (AIG), the largest public insurance company in the U.S., and rated AA+ (Very Strong) by Standard & Poor's.

Health Clubs -- Save at Gyms Nationwide

According to experts, over 50% of Americans neglect their fitness programs when they travel. US Patriot Card now makes it easy for you to go to the gym, even when you are on the road! We are proud to offer discounted health club memberships at 1,500 major fitness centers around the nation. With your US Patriot Card membership, you can:

• Get access to network clubs nationwide with a portable membership 'Travel Program.'
• Save up to health club membership dues, and enjoy month-to-month memberships with no long-term contracts.
• Get guest privileges to workout at most clubs when traveling outside of a 50-mile radius of your primary club.
• Get discounts at over 1,500 top fitness clubs nationwide, including Bally Total Fitness, Gold's Gym and World Gym!
• Keep fit while traveling and maintain your workout routine while on the road.

DHL Shipping

US Patriot Card members get a low-cost way to ship business and personal packages home from across the country or around the world, with Express Overnight and Ground Delivery. With your US Patriot Card membership, you have access to DHL's exceptional service at their lowest rates, normally reserved for their largest corporate customers, including:

• Dedicated member support at 1-800-MEMBERS
• No Weight Limits
• Guaranteed Delivery
• Hassle-free: No airbills to fill out.
• Fully Refundable
• Exclusive volume rates

1800-FLOWERS-- save 15%

US Patriot Card members enjoy 15% Everyday Savings when you shopping at 1-800-FLOWERS® by phone, and on the Internet, using a special code only for US Patriot Card members. You'll find the freshest flowers, beautiful plants, gourmet gift baskets, delicious snacks and treats and more stunning selections to romance your sweetheart and surprise everyone you love!

1-800-FLOWERS, a leader in flowers & gifts, is proud to offer a special 15% discount only for US Patriot Card members.

AIG Assist -- Global travel protection

When the unexpected happens, it is great to have someone there to assist you and your family. AIG Assist is just one toll-free phone call away when you need help. US Patriot Card Members are eligible when they activate this service. AIG will make all the necessary arrangements for you in the event of an emergency, plus provide valuable pre-departure travel assistance, including:

• AIG Assist General Travel Assistance: Advice and help contacting consulates, government agencies, translators, and other service providers to help with travel-related problems.
• Emergency Message Center: Leave or receive messages from anywhere in the world with AIG ASSIST to facilitate communications needed during an emergency.
• Pre-Departure Services: So there are no last minute surprises, get help with immunization requirements, appropriate medical exams and treatments, passport and visa requirements, weather, and travel hazards.
• Lost Baggage/Passport Services: Get advice on lost or delayed baggage, or replacement of a lost passport, and notification of appropriate authorities for a lost passport.
• Insurance Coordination: AIG ASSIST provides help in completing insurance and medical claim forms, filling out any foreign paperwork, and verifying insurance coverage.
• Travel Medical Emergency Services: When a medical problem occurs, AIG ASSIST will help obtain local medical care, monitor the quality of the hospital treatment, maintain daily contact between local physicians providing your care and personal physicians, family, employer, etc., provide medical records, and more.
• Emergency Cash: AIG ASSIST will coordinate getting you the cash needed in an emergency, through banks, consulates, hotels and Western Union.
• Legal Assistance: Turn to AIG ASSIST to help with arranging local attorneys, embassies, consulates, bail, plus communications between you, your family, and your employer.

Moving - 50% Savings With North American or Allied Van Lines

The US Patriot Card can simplify your move with award-winning service, one-stop shopping, and special member savings from two of the leading moving service providers – Allied and North American Van Lines

Full Service Moving for Less

• Receive special US Patriot Card discounts (over 50% off published tariff rates) on interstate moving with nationally trusted movers, Allied and North American Van Lines.
• Get additional savings on in-transit storage and personal property protection services.

One-Stop Convenience

• Experience personalized care through a US Patriot Card move counselor, and local preferred agent network, every step along the way.
• One call or click can connect you with two leading van lines.
• Immediate move cost estimates, based on Preferred US Patriot Card member rates.
• Fast and free scheduling of in-house inventory survey appointment.
• Dedicated move counselor monitors your entire move.

Save 10% Off Your Bags & Luggage at eBags.com

eBags, the nation's leader in travel bags & accessories, saves U.S. Patriot Card members nationwide with 10% off on eBags.com products.

Ebags carries a complete line of premium and popular brands, including Samsonite, Jansport, The North Face, Eagle Creek & Nike. The company features over 200 such brands and 12,000 products from the broadest range of styles and categories you can find:

• Handbags
• Luggage
• Business & Laptop cases
• Stylish Urban & Messenger bags
• Accessories
• Sports & Duffel Bags
• Baby carriers and related gear
• Handheld computing, including iPod cases
• Special sales, too

eyewear everywhere offers You 10% Everyday Savings On sunglasses, eyeglasses and prescription eyewear!

All US Patriot Card members who shop at our private store are also eligible for:

• Special member promotions not available to the general public.
• Free shipping within the US.
• A 10% discount on any item including prescription eyewear.

JC Whitney: Save 15%

Shop JC Whitney for the largest online selection of auto parts and accessories. JC Whitney has "everything automotive."

And as a U.S. Patriot Card member, you can save 15%.

Restoration Hardware: Free Shipping on Gift Cards

At Restoration Hardware, you'll explore an especially well-merchandised world of high quality furniture, lighting, bathware, bed linens, window treatments, and bath accessories. These are products of lasting value and classic design. Restore your faith in the finest: Restoration Hardware..

Purchase gift certificates with Free Shipping and the certificates can be used at all stores nationwide and online.

Petsmart:

PetSmart.com, Inc., the Internet Pet Superstore, has everything you need to care for your pet. Find thousands of pet products from dog toys and cat treats, to birdcages and fish bowls. Join in live chats and get expert pet care advice. For great products and superior service, visit PetSmart.com today.

And as a U.S. Patriot Card member, you can save $10 on orders of $70 or higher.

Sports Authority: Save 10%

When you're looking for the biggest selection of top-brand sports gear, go to the online authority and cash in on the best values. TheSportsAuthority.com features a wide variety of apparel, footwear and equipment for whatever sport you play.

U.S. Patriot Card members can save 10% on all orders over $100 today.

Gemtek Person Tracker

Keep your children safe - elders too.

Through advanced engineering and design, the Gemtek revolutionizes the personal tracking industry, allowing consumers worldwide to know the precise location of the device with a few Internet keystrokes or simply by placing a phone call. In addition to the tracking capability, the device also functions as a cellular phone.

The Gemtek easily fits into a child's pocket or backpack. An SOS button allows the user to alert you in an emergency. If a child is lost or abducted, or an elder is lost, you can quickly and easily locate them.

• Locate Now: This allows you to retrieve location information for your Gemtek(s).
• AutoTrack: This allows you set up a schedule to track your Gemtek. You choose how often and how long
• Set Boundaries (GeoFencing): This allows you to set a boundary for your Gemtek(s). Should the Gemtek leave this predetermined area, you will receive an alert message to your cell phone or an email to let you know the Gemtek has left the area, along with its most recent location.
• Last Track: This allows you to view the historic locations of your Gemtek.
• Alarm Settings: This allows you to choose which events you want to be notified of, who should be notified, and how notification should be sent (message to cell phone, email, or both). Alarm notifications are sent for events such as: SOS button has been pressed and Gemtek has left Geofence.
• My Account: This allows you to manage your personal account information, control panel preferences and view account activity.

GREAT FOR PETS AND INDUSTRY: And pet owners can rest assured that their beloved pets can be located in the event they wander off.

Companies can track valuable assets, such as inventory, laptop computers, etc. and know its precise location or receive an alert if it has been moved from a particular location. Additional applications include fleet management tracking, personal security for independent workers, safety locator devices for police officers and fire/rescue personnel, ransom tracking, and so much more.

U.S. Patriot Members save 25% on Hoovers Subscriptions

At Hoover's our priority is to ensure your competitive edge by providing the most comprehensive business intelligence available. Offering access to information for more than 14 million public and non-public businesses, Hoover's gives you all the information to investigate your next business opportunity or build your current business. Whether you're researching new entrepreneurial ventures, expanding your customer base, or looking for the perfect job, Hoover's Lite Subscription will help you:

• Identify US public and large private companies that are successfully operating in specific industries
• Investigate a company's products, operations, and financial status
• Develop a comprehensive profile of potential employers
• Identify key decision makers within the organization
• Demonstrate knowledge of industry trends
• Be conversant with current company and industry news

Find your next business opportunity through www.hoovers.com and take advantage of our 25% subscription discount for U.S. Patriot Card Members..

Get 40% Discounts on Healthy Mediterranean Diet Foods?and a special FREE Trial Diet Plan to Help You Meet Your Fitness Goals

The US Patriot Card is proud to have partnered with a leading gourmet food provider that is offering two money-saving ways for you to live a healthy lifestyle, too!.

Everyday Shopping Discount: 40% Ayhan's Mediterranean Marketplace, a special provider, has created a special online store the offers you 40% OFF on gourmet foods and all-natural dressings and snacks.

Special Diet: Three-Month Free Offer Ayhan's Mediterranean Marketplace also has another special offer just for you: Get three months FREE of the healthy Mediterranean Diet recipe plan (a $60 value).

New Homes & Condos: 1% Cash Rebate plust $100 bonus

iNest offers new homes from leading home builders and gives you 1% cash back. That's $2,000 on the purchase of a $200,000 home! iNest's New Home Specialists are ready to help you find the perfect home and give you 1% Cash Back just for working through iNest.

Now as a U.S. Patriot Card member, in addition to your 1% cash back bonus, you'll receive an additional $100* when you close on the purchase of your new home.

We invite you to search the iNest directory of the leading home builders it represents around the country. Then, follow the guidelines to learn how you can get your special $100 Cash Back Bonus via the iNest program.

*iNest Terms and Conditions: Offer available only through a special link provided by U.S. Patriot Card in its Members Only area. Not available on iNest.com, InterNest.com, or any other website.

Special DIRECTV Offer for New Subscribers

When you order your DIRECTV system, you can select special offers on equipment and installation, programming, and get a $50 VISA Gift Card.

Order DIRECTV today and get our latest special offer:

Lock in your special rate for a full year! Get 3 months of HBO, Cinemax & Showtime FREE, along with a FREE DVR lease upgrade when you activate DIRECTV?s PLUS, PLUS HD or PREMIER programming packages! Other programming options available starting at $29.99!

Hurry, this offer expires February 26.

Certain restrictions apply. Go to above link to DIRECTV's website for details.

Host Your Web Site: Sign up now for FREE Setup and one FREE month on all shared hosting and Ecommerce plans.

Hostway--the official Web hosting provider of this Web site and over 400,000 customers across the globe including Foxnews, ABC & Sony Music USA and Coca Cola--is pleased to help you realize the advantages of launching your Web site. Hostway's flexible and feature-packed Web hosting plans give you everything you need to get your Web site online quickly and easily.

Simply sign up for one of our popular Web hosting plans to get everything you need to quickly launch your site. As a special incentive to Veterans Advantage Members, you will receive FREE setup and one month of FREE service on any of our shared hosting or Ecommerce plans!*

Setup alone saves you $39.95, and based on the hosting plan you pick, you can save up to another $26.95 for that free first month!

*Promotion details: Valid for all shared hosting plans except for the Personal Plan.

SAVE UP on regularly priced NetZero Internet service. No annual commitment required!

Sign up now for NetZero HiSpeed 3G and pay only $9.95 a month for the first 12 months.* That's 33% off the regular price of $14.95! Experience the Speed of Third Generation 3G Technology ? Surf the Web so fast you wont believe it's not broadband! Or you can save 30% on Netzero Platinum, and pay only $6.95 per month.

Order Subscriptions from Leading Business Magazines? for no extra charge!

Get a Competitive Advantage For Your Business Today. In partnership with a major magazine distributor, we are proud to offer you a Business Magazine Center. With your membership, you are eligible for with a selection of leading business trade publications that target various business sectors and management responsibilities. You do not have to pay extra for these subscriptions.

Your Source for Technology Management & Legal Expertise

If you are in business today, you are most likely involved in managing your business?s technology or legal needs in some way. Our Business Magazine Center is always rotating in magazines that focus on today?s top tech management and legal issues.

Sallie Mae: Your One Stop Resource for Planning and Paying for Education

Paying for college. Easy as 1-2-3.

Finding money for college doesn?t have to be discouraging or overwhelming. Sallie Mae, the nation's No. 1 paying-for-college company, brings dreams to fruition by helping families pay for higher education. Whether you or a member of your family need funding for college, graduate school or career training, Sallie Mae?s three-step approach to planning and paying for education will help:

1. Look for free money first.

2. Apply for low-cost federal student loans.

3. Fill the gap with private education loans.

Be sure to consider the Sallie Mae Tuition Answer Loan offered to our members with zero loan fees.

The Tuition Answer loan is a practical, private student loan that allows creditworthy students or those with a creditworthy cosigner to borrow $1,500 - $40,000 per year to cover any qualified college-related expense from tuition to books to housing and living expenses, even travel and transportation costs.

The Tuition Answer Loan is a great way to bridge your education financing gap after federal student loans and traditional financial aid have been considered.