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Congratulations graduates, commencement season has arrived. But what do you know about handling your finances now that you're on your own? We show students how to start out on the right foot, and give parents the tools to point their kids in the best financial direction.

Some lenders have stopped making student loans, but don't worry, there is plenty of money available. Here's a simple guide to understanding your options.

A quick guide to college loan programs.

Our rankings for the best private colleges and universities spotlight schools with strong academics, attractive prices and generous financial aid.

Yes, you can use these accounts to pay for college. Learn the rules and find out if this savings strategy makes sense for you.

Our rankings for the best public colleges deliver a first-rate education without breaking the bank.

Changes in the tax law make state 529 plans an even better way to go. But be careful about paying the bills.

These college-savings accounts have improved, and now more states offer a deduction for contributing to one.

Here are our recommendations for the top plans and whether you should stick with your state's plan.

Don't rush to your 529 account just yet. For school expenses this year, cash out taxable assets before a new law may apply higher tax rates to that money in 2008.