3 Ways to (Virtually) Visit a College Campus

College campuses across the nation are closed due to the COVID-19 pandemic. Do not worry if your Spring Break campus tour trip was canceled, preventing you from visiting a college campus. Here are some things you can do while taking an “E-Learning” break to experience a college campus.

Research College Websites

Research majors that might be of interest to you. Read about them and take notes. Write down information to compare majors/minors at each college. Identify which schools offer programs that interest you. Consider emailing the local college admissions representative to ask further questions. This can show the college your ‘demonstrated interest’, while also receiving more detailed information regarding specific programs. If you are interested in learning more information that is not listed on the website, request a virtual meeting to further discuss their programs.

Virtual Campus Tours

Most, if not all colleges, will have a virtual campus tour on their website. This is not a replacement for physically walking the campus, but you can gain a sense of the school from watching the video. These videos are professionally created and can make any campus seem like the ideal one. This serves as a first step to previewing a campus. Schools will differ in their content, from a general overview, to others having specific areas of the campus (labs, dorms, dining halls, etc.).

Additional Websites for Tours

• YouVisit.com – Professional campus tour, walking you around campus, in and out of buildings, just as if you were on campus, along with a tour guide to explain what you were seeing. Don’t forget to put on your VR goggles for some colleges.
• YoUniversityTV.com – 5 to 7 minute videos that take you around campus while interviewing Directors of Admission, professors and students as they share their insights.
• CampusReel.Org -- A newer site that offers short, behind-the-scene videos created by current students aimed at prospective college students. These individuals have no official affiliation with the admissions office. 

If you have additional information that can help families virtually visit campus during these times, please leave a comment or send me an email! (contact us)

What is an Independent Educational Consultant?

An Independent Educational Counselor (IEC) is an individual who is independent of high schools or colleges and are hired privately to provide expert college counseling assistance, working in the best interest of families.

Professional Organizations

Reputable IEC's belong to professional organizations such as Independent Educational Consultants Association (IECA) and/or Higher Education Consultants Association (HECA). IECs must meet membership qualifications while abiding by the organization's Principles of Good Practice. In addition, many IECs have high school setting work experience (12 years myself) and may also belong to the National Association for College Admission Counselors (NACAC) and/or their local state affiliates, such as the Illinois Association for College Admissions Counselors (IACAC). 

Campus Visits

To become a professional member of IECA, a consultant is to have visited a minimum 50 college campuses. Just as it is important students visit a college campus, an information session and tour allows an IEC to feel the atmosphere in and around the quad, interact with students to understand social life and feel the vibe of the campus. This firsthand knowledge is something that cannot be gained by perusing brochures, browsing websites, or hearing the facts/figures from admission representatives at college fairs. This is valuable information that an IEC has the time to learn, not just during summer vacation, but while college is in session. According to IECA, an IEC spends visits an average 22 college a year. I personally have visited over 150, 3 already this year, and 3 more in the coming days.  

Individual Attention

The U.S. Department of Education states the student to counselor ratio is 467:1. How can a school counselor find the time to individually meet with each senior to discuss their future plans, find the best fit college, brainstorm/edit essays, assist with the FAFSA/CSS Profile, give them a 'high five' when they receive an acceptance letter and give them a big "I'm proud of you!" when they announce on May 1st where  they will attend? An IEC typically works with a smaller caseload. IECA states this is an average of thirty high school students, not just seniors. This allows each IEC to personally develop a relationship with each family. An IEC is also readily available via email, text or call for quick questions, or can easily schedule appointments to meet with parents and/or students who have concerns, are stressed or would like to complete 'just one more essay.' In the very competitive college admissions world, having someone behind you, helping to guide the process is priceless. 


To learn more about Tom, visit my website or contact me.

How To Make a Final College Selection

May 1st is around the corner and that means high school seniors must send their housing deposit to the college of their choice. If a student fails to inform a school by this date, colleges will no longer guarantee their admission. Here are a few tips for a high school senior to make a proper decision on which college to attend.

Social Fit

As an 18 year old high school senior, it is hard to imagine making a decision that will impact the next four years of their life. The first step to make sure the school is the proper social fit. Having hopefully already visited campus, this on-campus experience should have provided the student enough knowledge to make an informed decision. But can the family envision the student on campus, participating in the activities in the quad, eating in the dining halls or sleeping in the dorms rooms? If they can, this is a good sign. If they cannot, perhaps a last minute follow-up visit to the campus might be in order.

Financial Fit

By now, the soon to be college freshman has received a plethora of acceptance letters and financial aid awards. Reexamine each of the acceptance letters and financial aid awards and ask yourself, “Can I afford to send my son/daughter to this school?” If the answer is a clear cut yes, then compare each of the school’s finances together. Think about the programs they offer and your likes/dislikes about each school to make a proper decision. Select the school that you feel is the best fit for your family.

If there is some hesitation in affordability, here are some things to consider regarding the college:

• How many loans will the student have to take out?
• What will the final amount of loans be when the student graduates in four years?
• Can my son/daughter receive the same quality education at a school that is not their first choice, but offering more in terms of financial aid?
• Is the scholarship they are receiving a one year scholarship or renewable for four years?
• What are the qualifications to be renewed?

These are important questions to discuss as a family as May 1st will be here soon. 

Eliminate Friends From Decision

You can meet new friends at school, 

such as the Colgate Raider!

Many high school seniors are afraid to leave their comfort zone. Many adults are like this too; it is only natural. Making their college decision based upon where their friends will be attending is not a recommended way to make a decision. With Facebook, Twitter, text messaging, Skype/Facetime and email (snail mail to teenagers) students will easily be able to keep in touch. This is a great time for students to learn to think for themselves, be an individual and make an adult decision. They should choose the college that best fits themselves academically, socially and financially; not those of their friends. Young adults are resilient, they will be able to find their routine by keeping in touch with their high school friends while also making a campus full of new ones.


Post a comment regarding your college acceptance experience! If you have questions regarding the college process, contact us.

What Goes Into a Financial Aid Award Package?

As colleges begin to send out financial aid award letters, now is as a great time to discuss financial aid. Listed below are four types of 'awards' typically found on a financial aid letter.

Scholarships

A scholarship is merit based, meaning, students have accomplished something. This may include:

• Academics
• Standardized Test Score (ACT/SAT)
• Unique Talent (Athletic, Performing/Visual Art)

Scholarships are awarded for various lengths. Make sure to investigate their stipulations. Regardless the length, scholarships do not need to be repaid to the school.

Grants

Based upon 'financial need,' grants, like scholarships, do not need to be repaid. They are the biggest reason to complete the FAFSA. These awards can be from the institution, federal or state government. There are 2 common federal grants:

• Pell Grant: Up to $5,920 (for 2017-18 school year) to students who demonstrate financial need.
• Federal Supplemental Educational Opportunity Grant: In addition to the Pell Grant, this award is up to $4,000 for families that demonstrate exceptional financial need.

Federal Work-Study

Students work an on-campus job and earn a specified amount. There are ample opportunities reserved for federal work-study students in places such as the admissions office, school cafeteria or recreation center. Students cannot earn in excess of the amount offered on the award letter.

Loans

To defray the remaining cost of attendance, colleges will most likely package loans into the award letter. The are three types of main loans.

• Direct Subsidized Loan
• Based upon financial need. 
• 10 year repayment period Accruing interest is paid by the Department of Education until 6 months after a student leaves school. 
• Loan limit is $3,500 to $5,500, depending upon the year in school.
• Direct Unsubsidized Loan
• NOT based upon financial need. 
• Borrower is responsible for all interest, which accrues immediately. 
• 10 year repayment period on this loan (including accrued interest) does not begin until a student leaves school. 
• Award amount is up to $2000 a school year. 
• Direct PLUS Loan
• For a student's parents/guardians. 
• NOT based upon financial need. 
• Borrower assumes all interest. 
• The interest rate is slightly higher, but generally lower than a private loan. 
• Maximum amount borrowed is the cost of attendance, minus any financial aid received.

When comparing financial aid award letters, do not compare the actual awarded amount. Compare the financial commitment between schools and the amount of loans the family will have to repay. 

If you have questions regarding your family's financial aid award letter or how to prepare for the rising cost of college, contact us. 

Options to Delay College

The term gap year came into America's mainstream vocabulary last year with Malia Obama's announcement that she will delay her entrance into Harvard until Fall 2017. An Australian and European mainstay, the gap year means an academic year spent between high school and the start of college to pursue enrichment opportunities.

GAP YEAR EXAMPLES:

• Work
• Intern at a company of your academic interest
• Teach English in South America 
• Au pair in Europe. 
• Volunteer
• Start at your local food pantry
• Join City Year to help rebuild America
• Travel
• Gain invaluable life experience by backpacking through Europe
• Driving a camper across Australia
• Go to South America like Malia Obama 
• Learning
• Develop those entrepreneurial skills and intern at a startup company
• Learn a new language in a foreign country
• Research a passion in its actual setting.

ADVANTAGES:

• A gap year allows students to take a step back and 'recharge' from working hard to create a spectacular high school resume (link to old blog post) 
• The life experiences gained can make students better prepared not only academically, but socially as well for college.
• Working can not only begin a professional resume, but can help earn money for college, taking the pressure of tuition or other college costs. 
• Students get the chance to experience life away from home before starting university through travel, experiencing a new culture(s) or being immersed in a new language. 

DISADVANTAGES:

• Taking part of an organized gap year program, traveling across countries or living in a new city can be expensive.
• College financial aid packages may be changed as families will have to once again complete the FAFSA.
• Do students just want to travel? Perhaps they can consider cheaper alternatives while accruing college credits through college study abroad programs.
• For students who fail to develop important organizational habits, it might be easy to lose focus and fall out of the academic routine.
• A poorly planned gap year may mean a year spent binge watching Netflix.

While a gap year between high school may not be for everyone, neither is immediately attending college. Perhaps some of these options can be used as an extended summer break while in college, explored during a study abroad semester, or done prior to entering the workforce/graduate school. If you would like to further explore Gap Year options, here is a recommended website.

If you would like to find out more about Gap Years, or anything college related, contact us.

4 College Scholarship Questions

The most frequently asked question I receive as an Independent College Counselor is, "Do you help with scholarships?" While 85% of all scholarships will be awarded from the colleges themselves, this does not mean students should not seek to win the estimated  $3.3 billion awarded from private sources. With all that potential money available, along with $100 million in scholarships unclaimed,  the answer  is, "yes."

What Is a Scholarship?

A scholarship is an award based upon student merit, or the accomplishments of the student. This may include high school academics, standardized test score (ACT/SAT), or unique talent (athletic, performing or visual arts). Scholarships are awarded for various lengths. Make sure to investigate their stipulations. Regardless of length, scholarships do not need to be repaid.

When is the Best Time To Look?

Another question I receive about scholarships is "when is the best time to look?" The answer: "all the time!"  Students should set aside an hour a month to search for scholarships. This means an hour to just research. Create a spreadsheet to track due dates. Make sure to budget additional time to craft an essay and complete the application. You do not have to be obsessed with this, but take the proper amount of time needed to win. Think of this as a job. In the end, hopefully you will be 'paid.'

Are Scholarships Only for Seniors?

Keep in mind, not all scholarships can be only won by seniors. Many times any student can apply for the scholarship, with the money either being held and sent to the future school of choice, or paid to the family with the expectation it be used for college. Check the 'rules' of every application.

When to Stop Looking?

The easiest answer is never! Why stop when most colleges allow for 'stackable' scholarships? This means any outside scholarship brought to the college will be 'stacked' on top of the financial aid package awarded. Keep in mind, smaller scholarships may have a smaller applicant pool because students do not feel these are worth their time. A few of these smaller scholarships will add up to a larger scholarship! Remember, you cannot win unless you try.

If you interested in learning more securing college scholarships or anything college, contact us.

The New FAFSA

Last September, President Obama announced his plan for earlier college financial aid. This means that families can now begin the FAFSA on October 1st. What is the FAFSA? It is the Free Application for Federal Student Aid. It is a government form that determines a family's Expected Family Contribution (EFC) and is used by colleges as a gateway to financial aid. 

HOW DOES IT WORK?

Beginning this year, families will be entering 'Prior-Prior Year,' or PPY, tax information. This means if you will be attending college in the Fall of 2017, you will enter the tax information from two years previous, or 2015. This will eliminate the need to estimate your income and re-enter the information when your taxes are complete. 

Families will first need to create a FSA ID to access accounts such as the FAFSA and Federal student loans. This site will also serve as a student and parent's online signature (each have to create one).

Once this is complete, on October 1, families can begin using the IRS Data Retrieval Tool (DRT) to upload tax information to complete a significant portion of the form. Additional information required include: balance of cash (savings/checking account), trust funds, 529 accounts, stocks, bonds, certificate of deposits, and other forms of 'liquid' cash, along with the number of children that will be attending college concurrently.

WHAT DOES THIS MEAN?

• Financial aid award letters should be sent out earlier. Student's should to learn of their acceptance and financial aid award information at the same time, allowing families to make better financial decisions for college

• With the use of prior-prior year tax information, the need to ask for a financial review to financial aid office should rise. This should not be taken as a negative. Circumstances will change over a year's time, allowing families to easily document changes in their financial situation to college. 

• You can submit your FAFSA as your student applies to college. Most schools will accept the FAFSA as early as the first filing date, but most colleges have their financial deadline being the same time the student applies to the school.

TIPS WHEN COMPLETING

Make sure not to rush

• Since 2013 when the DRT was created, the average time to complete this form is 20 minutes, but slow down. On average there are an estimated 10 errors per form, which can cost you money.

You Can Submit the FAFSA to College You Have an interest in attending, by have not yet applied

• You can submit  up to 10 colleges to have the FAFSA sent too. 

File as early as possible

• Applying to a college by the priority deadline helps colleges develop a financial picture, thus allowing them to allocate the approximate amount of money necessary to secure a class

• Funds are set aside for late applying students, but filing early is always better. 

'You' on the FAFSA refers to the student

• Since the student is gaining the aid, the form is assuming they are completing the form.

No matter the amount of money a family earns, complete the FAFSA

• There is no income ceiling to prevent a family from qualifying for federal student aid. 

• Several factors that go into the financial aid report besides income.

• Not all financial aid is need based (grants), it can be merit aid. (Link to other blog)

If you have any questions on competing the FAFSA, financial aid or anything college, Contact Us. 

A College, a Roman Catholic Saint and the Indy 500

This Memorial Day weekend will mark the 100th running of the Indianapolis 500. In honor of the "Greatest Spectacle in Racing," I felt it was only appropriate to write about Saint Mary-of-the-Woods College, located just outside Terre Haute, Indiana.

Saint Mother Theodore Guerin

How many colleges can boast they have a saint on their campus? SMWC has a shrine, which includes the remains of Mother Theodore Guerin, in the Church of the Immaculate Conception. Saint Mother Guerin emigrated from France in 1839 at the request of the Diocese of Vincennes, Indiana. Along with 5 other French nuns, she set roots outside Terre Haute, Indiana to minister. Her accomplishments include founding a new religious order (Sisters of Providence) and numerous schools in the Indiana/Illinois area, including the eventual Saint Mary-of-the-Woods College. She has been attributed to two miracles, one taking place in the church itself, allowing her to be canonized a saint in the Roman Catholic Church in 2006.

The Mission of the Sister's of Providence

St. Mary-of-the-Woods College is Indiana's oldest Catholic college. It was founded in 1840 by Saint Mother Theodore Guerin, founder of the Sisters of Providence. The school is still run by the congregation with nearly 300 sisters residing on campus grounds. In 1984, the campus began offering co-educational graduate school programs and in 2015 began offering men the opportunity to enroll in their campus based programs. The campus also has a vibrant online education program.

College Ring

The SMWC ring is the most recognizable image of the college. The tradition began as a way to honor the academic success and sacrifice of the students, while showing their pride and loyalty to SMWC. There are two ceremonies connected with the rings. Ring Day occurs during junior year where the students are bestowed their rings. The other is the Oakleaf Ceremony where students are inducted into the alumnae association by turning their rings around, such as an acorn turns into an oak tree.

School of Equine Studies

By now, you have been reading this post and still wondering, where is the Indianapolis 500 connection? The School of Equine Studies is named after current Chairwoman of the Indianapolis Motor Speedway, Mari Hulman George. Ms. George, along with her mother, Mary Fendrich Hulman, are alumnae of SMWC.

At SMWC, women can pursue two paths in Equine Science: General Studies or Equine Training & Instruction. The General Studies program allows students to explore different areas of equine study through a variety of courses.

The Equine Training & Instruction major is for students to become either a trainer or instructor of horses. Throughout the coursework, students are exposed to different philosophies, techniques and approaches to training and instructing. These courses can be designed specifically for either training or instructing, or a combination of both.


When you are watching the Indianapolis 500 on Sunday and hear Mari Hulman George command, "Ladies and Gentlemen...Start Your Engines!" make sure to think of Saint Mary-of-the-Woods College.


If you would like to know more about Saint Mary-of-the-Woods College, or other colleges or equine programs, contact us.

What is Demonstrated Interest?

Showing a college you are smitten with them. Having no contact with a college until you apply for admission. That is the difference between Demonstrated Interest and a Stealth Applicant. What does it mean to demonstrate interest to ensure one is not a stealth applicant?

Campus Visit

The best way to demonstrate interest in a college is to visit campus. This will be two hours at minimum. Often times, your visit is extended to lunch in the cafeteria, meeting with an admissions representative, talking with a professor in an academic discipline of interest, and/or sitting in on a class. Make sure to register so the school is aware of your visit. This is especially important if the campus is accessible by car. Colleges want to know you took time to learn more about their campus.

Open Emails

Now that you provided your email address to colleges, your inbox will be cluttered.. Do not just hit delete, open them! Why? Blast email technology allows schools to track if emails have been opened or links clicked. This shows extra demonstrated interest because colleges can now determine levels of interest. This only takes a minute, so click on the email to help your chances of admission.

Get to Know Your Admissions Representative

This might be the hardest of all the ways to show demonstrated interest, but admissions representatives want to get to know their potential students. This is easier at a smaller college because of the fewer amount of applicants. At a large school, make yourself stand out. Be polite and reintroduce yourself to admissions representatives when you see them at college fairs or in your school. Send thank you emails and most importantly, make sure to accept as many invitations as possible. Many times colleges will have local events and invite prospective students. Attend and reintroduce yourself.

Why Do I Need to Show Demonstrated Interest?

Demonstrated interest can be summed up best from a Sewanee, University of the South's e-newsletter:

Finally, fit is about showing mutual interest and respect. We work hard to get to know prospective students, and we ask that they work hard to get to know us, too. Students who have engaged with us on campus, at college fairs, and via email can more confidently say that they fit at Sewanee—and we can more confidently agree with them.

What does this mean? Increased chances of acceptance for borderline students and potentially more in financial aid. Colleges want to admit students who will accept offers of admission. Developing a rapport will allow admissions representatives to state your case to the admissions committee and financial aid office.

If you interested in learning more ideas on how to show 'demonstrated interest,' contact us.

The Decision - How to Select the Proper College

Can you see yourself here?

May 1st is around the corner and that means high school seniors must send their housing deposit to the college of their choice. If a student fails to inform a school by this date, colleges will no longer guarantee their admission. Here are a few tips for a high school senior to make a proper decision on which college to attend.

Social Fit

As an 18 year old high school senior, it is hard to imagine making a decision that will impact the next four years of their life. The first step to make sure the school is the proper social fit. Having hopefully already visited campus, this on-campus experience should have provided the student enough knowledge to make an informed decision. But can the family envision the student on campus, participating in the activities in the quad, eating in the dining halls or sleeping in the dorms rooms? If they can, this is a good sign. If they cannot, perhaps a last minute follow-up visit to the campus might be in order.

Financial Fit

By now, the soon to be college freshman has received a plethora of acceptance letters and financial aid awards. Reexamine each of the acceptance letters and financial aid awards and ask yourself, “Can I afford to send my son/daughter to this school?” If the answer is a clear cut yes, then compare each of the school’s finances together. Think about the programs they offer and your likes/dislikes about each school to make a proper decision. Select the school that you feel is the best fit for your family.

If there is some hesitation in affordability, here are some things to consider regarding the college:

• How many loans will the student have to take out?
• What will the final amount of loans be when the student graduates in four years?
• Can my son/daughter receive the same quality education at a school that is not their first choice, but offering more in terms of financial aid?
• Is the scholarship they are receiving a one year scholarship or renewable for four years?
• What are the qualifications to be renewed?

These are important questions to discuss as a family this weekend, remember May 1st is next week!

Eliminate Friends From Decision

You can meet new friends at school, 

such as the Colgate Raider!

Many high school seniors are afraid to leave their comfort zone. Many adults are like this too; it is only natural. Making their college decision based upon where their friends will be attending is not a recommended way to make a decision. With Facebook, Twitter, text messaging, Skype/Facetime and email (snail mail to teenagers) students will easily be able to keep in touch. This is a great time for students to learn to think for themselves, be an individual and make an adult decision. They should choose the college that best fits themselves academically, socially and financially; not those of their friends. Young adults are resilient, they will be able to find their routine by keeping in touch with their high school friends while also making a campus full of new ones.


Post a comment regarding your college acceptance experience! If you have questions regarding the college process, contact us.

4 Tips to Maximize Your College Visit

Spring break and summer travel plans are on the minds of many families. Why not add a college visit into your itinerary? College visits are an integral part of the college process. They allow families to learn more about a particular college while also showing 'demonstrated interest.' 

Contact the Admissions Office

Contact the admissions office a few weeks prior to your arrival. This will not only confirm the office is open that day, but it provides campus visit options to maximize your experience. Various options might include an interview with an admissions representative, sitting in on a class, talking to a specific academic department/program or having a personalized tour based upon your interests. Some schools will even provide a complimentary meal in the cafeteria and/or help to defray some of the travel expenses if they know you are coming.

Every attempt should be made to visit a school if they are within a few hours of your home. Schools expect you take that extra effort to visit their campus.

See The Negatives

This may be the most difficult aspect of the college search, especially if there is an infatuation with the school. When on campus, it is important to recognize the negatives regarding a potential school. Tour guide will always highlight the positive aspects of their campuses, but will they show you the negatives? It is better to recognize the things you may not enjoy about the campus while on a tour, rather than once your student is enrolled.

Ask Questions

Make sure to ask thought provoking questions that will elicit an honest response. Most people will speak freely about the school, campus and students. Admission's representatives understand that not everyone is the proper fit for their campus. The tour guide is a great source of knowledge. They can discuss why they choose that particular college, the type of students on campus, programs, extracurricular activities and even the things they would like to change about the school.

Write Down Information

Bring a notebook to write down information regarding your visit. After touring multiple schools, inevitably each campus will blend together. Your notes will help differentiate campuses when it comes time to apply or accept an offer of admission.  

Before going on any visit, generate a list of needs/wants in a school. Then compare this list with the information you had written down regarding what you learned. Make a list and keep a log of those aspects at each campus. Do not forget to snap photos on your cell phone or tablet!

Lastly, do not forget to have your student write 'thank you' notes to all the people they met.  

Tom Jaworski has toured nearly 150 college campuses. To learn if he has visited your school of interest, or anything else college, contact him. 

Making the Most of Your College Fair Visit

The first step of the college search is to navigate rows upon rows of colleges at a large fair.  Here, admissions representatives from across the country gather in one place to promote their schools. Time your time, speak to as many schools as possible and collect brochures.

Preparation Meets Opportunity

If you can receive an advanced list of attending colleges, game planning will be easier. Highlight the schools of interest, then conduct some research. Arrive early and be prepared to 'attack' these schools. The lines will progressively get longer as the night wears on, so speaking to the representatives in the beginning will maximize your time. 'Practice' with a non-target school to learn what admissions representatives are discussing, promoting and asking. This will provide an idea of the 'lingo,' ultimately preparing you for your target colleges.

Ask Questions

As suggested, conduct some research. Hopefully you have written down notes and highlighted areas to further discuss, such as "tell me more about your Co-Op Engineering program" or "what kind of research opportunities are there for freshmen?" Do not ask basic questions that can be found in brochures or online. You may only have a minute to talk because of the crowd, so make it worthwhile. Ask specific questions about programs, opportunities or curriculum and put these answers next to your researched notes. Do not be shy, this is your opportunity to find out if you are a fit for this college.

Demonstrated Interest

Most colleges log the amount of contact you will have with them. This exchange can be a request for information, college fair visit or a campus visits. Thus provide your information to colleges if they ask. Yes, you will receive stacks upon stacks of brochures and your email inbox will be cluttered. In the end, it may be worthwhile because colleges want to ensure they accept students who are generally interested in attending their school and not applying for the sake of applying. Colleges may not divulge this, but scholarships opportunities may be increased if the schools have known of your previous interest. Schools might boost your financial aid package to ensure you will accept their offer of admission. If colleges send an email, make sure to open it and occasionally click on a link, they are monitoring!

Follow Up

Going along with demonstrated interest, make sure to ask the admissions representative for a business card. In the next few days, send them an email thanking them for their time answering your questions, what you thought was interesting about their school and to keep you informed to upcoming campus or local events. Make  it short and sweet, but long and intelligent enough to make an impression.

One last bit of advice. If you cannot attend your local college fair, do not fret. You will most likely be welcome at other school's college fair.

If you would like to know more about visiting a college fair, contact us.

For a list of Chicagoland college fairs, click here.  

Decoding the Financial Aid Award Letter

As the deadline to submit the FAFSA to financial aid offices approaches, we wanted to discuss the financial aid you may receive. Listed below are four types of 'awards' typically found on a financial aid letter.

Scholarships

A scholarship is an award based upon student merit, meaning, students have accomplished something. This may include their high school academics, standardized test score (ACT/SAT) , or unique talent (athletic performance, performing or visual arts). Scholarships are awarded for various lengths, make sure to investigate their stipulations. Regardless the length, scholarships do not need to be repaid to the school.

Grants

These are similar to scholarships as they do not need to be repaid, but they are based upon 'financial need,' and the biggest reason to complete the FAFSA. These awards can be from the institution, federal or state government. There are 2 common federal grants:

• Pell Grant: Up to $5,775 (for 2015-16 school year) to students who demonstrate financial need. 
• Federal Supplemental Educational Opportunity Grant: In addition to the Pell Grant, this award is up to $4,000 for families that demonstrate exceptional financial need. 

Federal Work-Study

This program is designed for students to earn the awarded amount in an on-campus job. There are ample opportunities reserved for federal work-study students. Students cannot earn in excess of the amount offered on the award letter. Most common positions are working in the admissions office, school cafeteria or recreation center.

Loans

Many time, in the financial award letter, colleges will package in loans to help defray the remaining cost of attendance. The three types of main loans are:

• Direct Subsidized Loan: These are student loans awarded based upon financial need. They are given for a 10 year repayment period and accruing interest is paid by the Department of Education until 6 months after a student leaves school. The loan limit is $3,500 to $5,500, depending upon the year in school.
• Direct Unsubsidized Loan: These student loans are not based upon financial need. The borrower is responsible for all interest, which begins accruing immediately. The 10 year repayment period on this loan (including accrued interest) does not begin until a student leaves school. The amount awarded is up to $2000 a school year.  
• Direct PLUS Loan: This loan is for a student's parents or guardians. It is not based upon need and the borrower assumes all interest. The interest rate is slightly higher, but generally it will be lower than a private loan. The maximum amount borrowed is the cost of attendance, minus any financial aid received. 

Remember, when comparing financial aid award letters, do not compare the amount the school is awarding the student. Compare the financial commitment of the family between schools and the amount of loans the family will have to repay.

If you have questions regarding your family's financial aid award letter or how to prepare for the rising cost of college, contact us. 

America's College Promise

President Obama recently proposed two years of free community college tuition to all. This blog post will delve further into this proposal.

America's College Promise

America's College Promise proposes free tuition during the first two years of community college. Students would be eligible to receive up to $3800 a year for tuition and fees by maintaining  a minimum C+ average in high school, attending school at least part-time and making steady progress towards their degree.

At the State of the Union, President Obama stated "world-class education starts with
children, but that adults need training, too.... we also have to make sure that everybody has the opportunity to constantly train themselves for better jobs, better wages, better benefits."

Pros

President Obama wants to "make community college as universal as high school" This plan estimates help to over 9 million students, by granting two years of free college tuition at one of  1100 community colleges across the United States.

America's College Promise would boost college enrollment, especially among lower income students. In addition, with only one-third of all community college students obtaining a two year degree, this proposal incentivizes students to remain in college for at least two years.

This plan also addresses the student debt crisis by potentially eliminating the need for student loans for the first half of their college education. In addition, this proposal ensures community colleges offer credits that fully transfer to local public four-year universities. This, in itself, will ease the student debt crisis by guaranteeing courses that will transfer, allowing for graduation within four years.

Cons

The most obvious argument for dissenters of this proposal is the estimated cost of nearly $70 billion. The federal government would cover 75% of the costs, though not as a direct payment to students. This would be to states who agree to 'evidence-based institutional reform.' Each participating state would cover the remaining tuition costs.

Some critics argue this plan will benefit higher income families, rather than the intended lower income student population. For the neediest students, Pell grants (up to $5730 a year based upon annual income) already assists with tuition, transportation, and other associated costs of attendance. Thus, families who might already afford community college will now receive government assistance.

By proposing the idea of free community college, President Obama reminds us of his North Star 2020 campaign promise, "by 2020...the U.S. should be the best-educated country in the world" and create "a better-educated workforce...which is key to the nation’s ability to compete in the global economy."

Will America's College Promise pass in Congress? An argument can easily be made for either side. Continue to follow developments on our FaceBook page, or contact us for more information.

Common FAFSA Myths

Many colleges require families requesting financial aid to submit their FAFSA within the next few weeks. If you are unsure what FAFSA means, read a previous blog post. Now that you understand this financial aid form, let's discuss a few popular myths associated with the FAFSA.

MYTH #1: I need to file my taxes before submitting the FAFSA. 
•     False. A family can submit their FAFSA by providing a reasonable estimate of their 2014 income taxes. The United States Department of Education works with the Internal Revenue Service to help connect a family's FAFSA information with their tax return once submitted. The earlier the FAFSA is submitted, the sooner the financial aid packages will be sent by schools.

MYTH #2: Families that make too much money should not complete a FAFSA.
•     False. There is no income ceiling to prevent a family from qualifying for federal student aid. There are several factors that go into the financial aid report besides money. Information such as size of family and the number of children concurrently in college. According to Sallie Mae, the typical family earning more than $100,000 received $5,451 in grants and scholarships during the 2012 academic year. Also, the FAFSA is only for federal student aid. Colleges can and will give out their own aid, such as merit scholarships. Most schools will require a completed FAFSA in order to award this scholarship. The FAFSA is simply a starting point.

MYTH #3: Colleges only look at what is stated on the FAFSA, though my situation has changed.
•     False. The Estimated Family Contribution (EFC) is only a government recommendation. Parents are encouraged to contact the financial aid office at each college to appeal their financial aid package. This office can make adjustments if there have been changes to a family's income or assets. Examples of items that may not show up on the FAFSA; loss of a job, using savings to start a new business, medical bills and/or having another child.

MYTH #4: If both parents are divorced and remarried, all of the parents' information must be entered on the FAFSA.
•     False. The information that should be entered on the FAFSA is that of the parent the student has lived with more than 50% of the time within the last 12 months. In addition, if that parent is remarried, that step-parent's financial information MUST be included along with the student's tax information, if they filed an income tax. Unfortunately, the student cannot choose to enter the information of the parent/step-parent that makes the least amount of money to secure a lower EFC.

As you can see, all the myths were false. Do not believe everything you hear from people who have completed the FAFSA in the past. If you need correct answers to other college financial aid myths or perhaps have other college admission questions, Contact Us.

Make sure to visit our Facebook and Twitter pages for tips and advice.

2015-16 Free Application for Federal Student Aid (FAFSA)

January 1st was a very important date. Not only did it signal a new year, but it was the date the 2015-16 FAFSA was released. What is the FAFSA? It is the Free Application for Federal Student Aid. It is an annual form produced by the United States Department of Education used to determine a family's Expected Family Contribution (EFC) for college.

How Does It Work?

The FAFSA is a 103 question form used to determine a family's EFC for college. Financial information is imputed into a formula developed by the United States Department of Education to determine the EFC. The EFC is then forwarded to up to ten designated colleges to individually determine a student's financial aid package.

How Does a Family Complete the FAFSA?

The form can be accessed online beginning January 1st of each year and is submitted electronically. A family can opt to print a copy and send it via mail, but this will delay the process 2-4 weeks. The earlier the FAFSA is submitted, the quicker the information is received by each college. The longer a family waits to submit their FAFSA can lead to a college having less financial resources to award to a family.

What Information is Required?

To complete the FAFSA, families will use their completed 2014 IRS Form 1040 for both the parent(s) and the student. Many of the questions ask about specific 'lines' on the tax form, such as adjusted gross income and balance of cash (savings and checking account). Other questions request information regarding a family's net worth (trust funds, stocks, bonds, certificate of deposits, etc...) and the number of children that will be attending college concurrently.

Important Tips

Complete whichever IRS Form 1040 as soon as possible. A parent can estimate their earnings when entering data on the FAFSA. It is imperative to return when taxes are complete to adjust and provide accurate figures. The quicker taxes are filed, the sooner an actual EFC will be calculated. The student will then be closer to the front of the line to receive maximum financial aid award from each college. Make sure not to rush when you are Entering in data. There are an average of 10 errors estimated per form. Remember, the form is free. One should not pay to access a FAFSA website.

In addition, keep as many assets out of the student's name as possible. This may not be possible if you have a senior in high school. But if you have a junior or younger, make sure to read this crucial information! Student earnings are weighted more heavily than parental assets (nearly 20 cents to the dollar). Why is this? The logic is that a student has saved money for college. Though this might not be the case. Make sure to legally change the location of your high school student's assets by their 2nd semester of junior year or 1st semester of senior year (the FAFSA uses the previous year's tax returns remember, not the year they begin attending college). A FAFSA must be submitted each year a student is looking for financial aid; from the first year in college, until the last year of their doctoral program.

If you have any questions or comments about the FAFSA, send us a question via Facebook or contact us. 

Prepare for College Over Winter Break

After a long semester, your student will have a two week school break. Although there are holidays mixed in, along with the need to prepare for final exams. Here are a few ideas your student can consider over winter break.

Declutter College Material

If you have a high school student, most likely there are large stacks of college brochures accumulating in the house. With ample free time, now would be a great time to review these mass mailings. Examine each brochure. If the school intrigues your child, place it aside. If it is not their preference, begin filling the recycle bin. This small task will allow students to narrow their college choices without being overwhelmed by the bombardment of future mass mailings.

Web Research

Have your child research a few college websites of interest. Are there any unique opportunities offered at this school? Does this school match their list of wants and needs? Can your son or daughter see themselves on this campus? With as little as a half hour of research, a student can determine if a college should be further investigated. Have the student write down questions that need additional clarification from an admissions representative. Email the college directly for this information. After receiving these answers, is this a school that should be visited during the spring semester? Read more on how to properly visit a college campus.

Interest Inventories

Perhaps your student has narrowed their college list. The next question; what might they be interested in studying? Not an easy question to pose to a teenager. In order to conduct a proper college search, pairing a major with a college's academic program can help narrow the field of potential colleges. One way to do this is the take an interest inventory. This survey can be completed either online or from a trained professional. They will learn more about their personality, what skills they possess and how these skills relate to the world of work. This will help generate potential fields of interest to study in college.

Update Resume

Before they forget their accomplishments since August, have your student update their resume. Perhaps your student has yet to create a resume. This is a great time to begin. What should be placed on the resume? A student should place their academic accomplishments, extracurricular activities (sports, clubs and fine art involvement) along with a description, and volunteer or out-of-school involvement. This may seem like an overwhelming task, but once the student begins, it usually does not take long. In addition, you never know when a resume will be needed for a job, internship or scholarship. It is a good life lesson to always have an updated resume on file. Read more on what to add to a resume. 

We want to hear your suggestions for winter break activities for college bound high school students, leave a comment.

If you would like to know more about what your student can do over winter break, contact us.

Estimating College Financial Aid with the Net Price Calculator

In an attempt to create college financial aid transparency, the federal government created the Higher Education Opportunity Act. One of the mandates created in this act was the Net Price Calculator. Since 2011, this online tool has provided families the opportunity to estimate the real cost of attendance at every college or university.

Cost of Attendance

The cost of attendance to attend a college must be listed on a college's website. This includes tuition, room/board, books and expenses. Tuition refers to the amount of a money a student pays in order to attend classes and be considered a full time student (usually 12-18 credit hours). Room/Board refers to residing, on campus in an average size, two person dorm room, while being provided an average of 10-14 meals in the school cafeteria. Books refers to the estimated amount a student will spend for their classroom supplies for a particular school year, usually considered $1200. Expenses, also an estimated amount (usually $2500), refers to a student college fees, spending money, personal costs and transportation.

How it Works

Per the government mandate, the NPC must be located on every college website. It is usually found on the financial aid page and can be completed in less than ten minutes. A little hint, questions referring to 'you' mean the student. Parents may need to locate their W2 forms or tax returns to complete the calculator. Besides the financial questions, there are additional questions for students, asking for their grade point average, standardized test score(s) and other specific academic questions. The calculator is not difficult to complete, but can ask for a plethora of information. A completed calculator will allow the college to gain a snapshot of a family's financial situation and provide a ballpark figure of the real cost of attendance.

Discounts

When a family completes the NPC, there will be four types of discounts used to compute the real cost of attendance. Scholarships are awarded for student merit. These can be because of a student's grade point average and/or ACT/SAT test score. Perhaps a student is being rewarded for other achievements,  such as a fine art (art, theatre, or music) or athletics. Students can also receive a grant. These can be from the federal government based upon their financial need, or from the academic institution themselves. Scholarships and grants do not need to be repaid. A student may also receive a discount for the Federal Work-Study program. Here, students are paid to work on campus in return for a portion of their tuition. Examples of some positions are assisting in the admissions office, school cafeteria, or athletic facilities. Lastly, colleges will offer federal or school based loans to students. Click here to read a previous blog post regarding financial aid.

If you would like to learn more about the Net Price Calculator, the cost of a college education, or anything else, contact us.

The University of Dallas

Established in 1956, the University of Dallas (UD) is a private, independent Catholic university located in Irving, Texas. This 1000 acre campus is home to nearly 1400 undergraduates.

The Satish & Yasmin Gupta College of Business

Located 10 miles northwest of downtown Dallas, the college of business offers many unique opportunities. A new Orange Line DART station was recently built, allowing students public transportation access into Texas' largest city. This affords students the opportunity to network and intern at many leading Dallas companies. A recent $12 million donation will allow the building of SB Hall, a state of the art business building, to house the AACSB Accredited Satish & Yasmin Gupta College of Business.

Core Curriculum

In their underclassman years, every UD student enroll in the same 60 credit hours of coursework. These core courses begin with Ancient Greece and Rome, progressing into the thoughts and traditions that built Western culture. The foundation of this curriculum is the Great Books program. Students read and dissect texts that were written by the most influential scholars of history, "from Homer and Virgil, to John Milton and Rene Descartes." This core curriculum exposes students to a common body of knowledge, allowing professors to teach course across the curriculum. This reading and writing intensive core is equivalent to an Honors College at most schools. After a student completes these required courses, they may declare their major.

 Faith Based Campus

83% of students on campus identify as Roman Catholic. Non-Catholics are welcomed and included in the spirituality of campus. The Campus Ministry Department will help students seek out services at churches of their respective denominations. Even though there is a strong spiritual feel on campus, there is no required chapel services or hours as with many religious colleges. The idea of religion and trust is prevalent on campus. During my visit, this included leaving book bags, iPhones and tablets unattended in numerous locations, from outside the church, coffee shop and random hallways.

Roman Experience

In 1970, UD began the tradition of students studying abroad for a semester in Rome. The thought behind sending students (usually sophomores) was to provide them the opportunity to study the Great Books straight at the source, Rome. Included in this unique experience are trips to Greece and Northern Italy. The highlight travel experience is the 10 day break in which students are encourage to explore Europe and/or Asia on their own. This Roman experience has grown the UD study abroad program into a top collegiate program. In 1994, UD remodeled their Italian campus and dedicated it as the Eugene Constantin Rome Campus.

To learn more about the University of Dallas, their unique study abroad program or other colleges, contact us.

Marietta College

Marietta College, is a picturesque campus located in southeastern Ohio at the mouth of the Muskingum River. This liberal arts college is home to nearly 1500 undergraduates. It is a regionally based college (50% from Ohio, another 25% from Pennsylvania and West Virginia) that is often overlooked for its strong, nationally based programs.

Marietta, Ohio

This Rockwellian town of 14,000 was once on the short list to become the first capital of the United States. In 1788, this first permanent settlement of the Northwest Territory, was located in the far western part of the infant country. Named after French queen, Marie Antoinette, Marietta has had its share of historic moments. The town was once a stop on the Underground Railroad. Numerous buildings, including some on campus, can attest to secret rooms or passages for freed slaves. In the 20th century, co-founder of the Marietta based Pure Oil Company, Charles Dawes, served as the 30th Vice-President of the United States under Calvin Coolidge.

Petroleum Engineering

Drawing upon the 1860 discovery of oil in the area, Marietta College is one of only 24 colleges to offer this unique degree. Predominately offered at larger schools located in the oil rich areas of Texas and Oklahoma, this Midwest school offers a vast amount of petroleum in the Ohio Valley.

As the only engineering major on campus, students are still required to complete the full breadth of liberal arts courses. This program is the 10th largest in the nation and the only one at a liberal arts college. As the demand for petroleum engineers continues to rise, this field offers high entry level salaries and nearly 100% job placement for graduates (previous blog post).

All Scholars Day

While visiting this charming campus, I was not able to fully grasp student life as it was "All Scholars Day." On this day, classes are canceled in order to celebrate the knowledge seniors have acquired over their years on campus. Each senior presents their capstone project to a panel of professors, culminating their knowledge, depth and breadth of their educational experience at Marietta. This is not just a day for seniors, as nearly all undergraduate students attend multiple presentations to support and acquire ideas for their future endeavors.

Baseball Program

One of 18 varsity sports on campus, this nationally known Division III program has had an impact on Major League Baseball. The Pioneers have won six national DIII championships, including back-to-back in 2011-12, the first in over 30 years. The baseball team has had nine players drafted into MLB throughout its history, including relief specialist Kent Tukelve and former manager, Jim Tracy. Perhaps their most famous contribution to MLB is former student, Ban Johnson, founder of the American League and World Series.

If you would like to learn more about Marietta College, or others colleges, please contact us or leave a comment.