Terms of Use

The text material contained on this website may be used, downloaded or reprinted provided that appropriate acknowledgement appears on all copies and provided that such use is for non-commercial or personal use only. The text materials found on this web site cannot be modified in any way in the reproduction or reprinting process.

All rights to the graphic materials on this website are reserved by Murray & Associates and/or the copyright owners. Prior permission to use such materials must be obtained regardless of intended use. 

Site Notice

The information provided on this website reflects our interpretation of the rules and regulations governing student financial aid and of other college admission and financial aid issues. Although great efforts are taken to insure the accuracy of the information reported on this website, neither Murray & Associates nor any of its employees, makes any guarantee, express or implied, regarding the accuracy of information or fitness for a particular purpose, or assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information. Further, Murray & Associates is not responsible for the contents of any off site pages referenced. Information provided on this website is for information purposes only. 

In addition, there are numerous links on this site that will transfer you to the site of another organization or business that we believe may be of interest and benefit to the users of this site. By linking to these sites, Murray & Associates does not represent or imply any business relationship between the entities. Further, Murray & Associates is not responsible for the the content, performance or transactions occurring on any linked site, nor does Murray & Associates endorse any of the products or services that may be provided (free of charge or at a cost) by these entities, their agents or representatives. These links are provided for information purposes only.