Hendrix sends out other letters to merit scholarship recipients telling them of renewal terms. And this letter was accompanied by a form that allows students to reduce or refuse offered loans. But many educational and consumer experts think students should not have to wade through lots of papers and websites to get the information they need to make wise decisions. They say colleges can and should provide one complete, jargon-free and easy-to-compare page with realistic cost estimates. To read about why you deserve better, how we evaluated these letters, and how you can evaluate your own letters, click here. Of course, we hope anyone making important life decisions will check with their own trusted financial and personal advisors, not just websites - not even this one!