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Here's your money briefing for Monday, August 12th.

I'm J.R. Whelan for the Wall Street Journal.

For many college students and families,

applying for financial aid last year was one big headache

as they dealt with delays and glitches on the FAFSA website.

Well, last week the education department put the word out to expect similar delays again this year.

It was really hard for a lot of families to figure out how much college might cost,

which is one of the main factors in deciding where to go for so many families.

This is tens and tens of thousands of dollars you're talking about.

Our higher education reporter, Melissa Korn, looked into what that could mean for their access

to financial aid.

She'll be here to talk about it after the break.

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The college financial aid application process is going to be delayed for a second straight year.

Wall Street Journal Higher Education reporter Melissa Korn joins me.

Melissa, remind us why it's so important for students and families to fill out the free application for federal student aid or the

FAFSA?

The FAFSA is really the gatekeeper to most financial aid at colleges and universities nationwide.

So it allows families to access scholarships, grants and loans from the federal government, but also from the institutions themselves.

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