Category Archives: college costs

7 Great Scholarship Search Sites

 

scholarshipsThe number one question I receive from parents is: Where can my college-bound teen find scholarships? The best place to begin is at these sites and then expand the search to fit your individual student. Follow the trails that the matches give you and search locally as well.

1. Cappex.com–A site created for students to help them simplify their college search, create a profile and search for scholarships.

2. MeritAid.com–The place to go to find merit scholarships and academic scholarships from colleges across the country.

3. Scholarships.com–An extensive scholarship search engine that helps you search and schedule alerts for deadlines.

4. Fastweb.com–An extensive scholarship search website with a massive database of scholarships, along with articles and helps designed specifically for parents.

5. Zinch.com–A free service for students and parents where students can showcase themselves, connect with colleges, and search for scholarships.

6. FastAid.com is the world’s largest and oldest Private-Sector Scholarships, Graduate Scholarships, Worldwide Scholarships, Fellowships, Grants and Free Undergraduate College Scholarship database.

7. ScholarshipExperts has been helping parents and students find scholarships and free college money since 2001 with an updated database of college scholarships and grad school scholarships to provide accurate and timely scholarship information.

 

Smart ways to live cheaper on campus



Here’s some great tips to help parents help their college-bound teens save some money when they go off to college. Take notes and start implementing these strategies into their lives BEFORE they leave for college.

By David Replogle for The Real College Guide

Living on a shoestring budget? Whether your parents float you funds or you’re pulling a part-time paying gig, here’s how to stre——-tch every precious penny.

piggy-bankBroke — it’s a common catch in student jargon. “OMG, I broke my phone at that rager last night” or “I just broke up with my girlfriend ’cause she was cheating on me with my best bud.” But when used as an adjective, the word describes the financial status of most college kids.

Unless Dad is handing over his preferred platinum card or you strike it rich selling those musty ol’ Pokemon cards, you’ll have to get by on meager means. Here are some painless ways to get major bang for your buck … even if it’s your last buck.

Put the “Eat” in Creativity

Whether you’re craving a change from the monotonous glop of the dining hall, celebrating a friend’s birthday at a nearby bistro or taking a study break to go for a late-night munch, your wallet will take a hit. Cutting back on these extravagances means getting clever.

  1. Buy in bulk When stashing snacks in your room, think long term. Talk to your roommates about pitching in for some grub, then head to the nearest warehouse retail chain to stock up on industrial-sized cheaper-in-the-long-run crates of Ramen packets and other non-perishables. Many discount clubs offer collegiate membership rates, and some give free introductory one-time shopping passes for non-members to bypass the annual fee altogether.
  2. Use the student discount Grocery stores, restaurants and even places on campus usually have discounts for students. Even if you don’t see it advertised, it doesn’t hurt to ask. Have your student ID at all times. It could save 15 percent on that panini or score you a free dessert!
  3. Sniff out free food Complimentary chow is almost as popular on campus as the latest gossip on CollegeACB. “Club meetings and churches are always looking to give out food to potential new members,” says Robby Panos, a University of Virginia junior. Philanthropic bashes and school-sponsored speaker events are also prime time for gratis grubs. Grab a slice of pizza and take in a lecture.
  4. Have a drink on me Students pour beaucoup bucks down the drain when indulging in conveniences like Starbucks and bottled water. Invest in a coffeemaker so you can brew your own, and get yourself a travel mug. Pick up a refillable water bottle too if your college’s tap is tolerable. Bonus: It’s better for the environment.

That’s Entertainment

Life doesn’t have to be a snore just because your pockets are empty. Money buys neither happiness nor a stellar social life. You can get out and about without tossing around a ton of green.

  1. Be art smart Your campus is probably rife with free productions, concerts and workshops. Problem is, nobody really hears about them … and when people do, the enthusiasm is usually lower than the grade on your last calculus test. Time to do some research (track down calendars of events), gather up your dorm mates and head to the next pay-what-you-can play or free movie screening. Even if it’s bad, you’ll get a few laughs — or at least the opportunity to heckle!
  2. Speak Greek Not joining a frat or sorority will save you a lot of cash right out the gate. But what happens when you want to get into the best party of the year and don’t have the connections? Exchange names of brothers and sisters you know with friends and ask them to do the same — on most college campuses, name dropping is the ticket to free admission. Once you’re inside, you’ll get beverages … and if you’re lucky, maybe even a few phone numbers.
  3. Out on the town Be in the know too when it comes to events in neighboring areas. Community organizations often host free outdoor festivals with live music. Local restaurants have early-bird specials. Theater workshops and art galleries frequently offer free or reduced admission. (Again, don’t forget to ask about student rates.) Read newspapers and pay attention to fliers. It could pay off.
  4. Any singles? If you have a significant other who saps all your savings, it may be time to have a chat about cutting back on unnecessary costs or to ask your partner to pull his or her own weight. If this person is not important to you, you may even consider living the single life for now. Romantic dinners and little gifts add up. Is it worth it? Your call.

Shop Till You Plop

Enter upscale department stores and exclusive boutiques at your own risk, but you don’t have to totally give up the urge to splurge. Just tone it down a few notches.

  1. Clothes the deal Punch up your wardrobe without breaking the bank: shop clearance racks. (The best ones are where an additional markdown is given to already slashed prices.) Look for one-of-a-kind finds in thrift and consignment stores. Pick up inexpensive accessories at discount stores and chain boutiques.
  2. Gotta dollar? Discover the beauty of the dollar store. It’s great for party supplies, stationery, candles, soaps, toiletries and tons more. Whether you’re buying useless trinkets or practical necessities, think about it: You can walk in there with a 10-spot and leave with lots of loot. Heck, you can scrape together a dollar plus tax in pocket change and treat yourself to something.
  3. Be a coupon king or queen Keep a lookout for coupons on one-day shopping events at major department stores. Also sign up for email notifications of store specials and be sure to check online for Internet coupons before making a big purchase. (Restaurants and fast food chains run a lot of coupon specials too, so keep your eyes on the prize.)
  4. Beauty booty Ladies, fine department stores dole out free samples at the cosmetics counters. Want to road test a lip color or facial moisturizer or new perfume? March on over there with an air of confidence and ask the consultant to show you some options. She’ll likely give you mini-sized products to try at home.
  5. What a card! If you’re a die-hard shopaholic experiencing severe withdrawal, hold off before reaching into your cash stash by keeping in mind that the holidays are right around the bend. “It might be painful to wait all semester,” says Appalachian State senior Diane Vachon, “but soon enough you’ll have a dozen gift cards with your name on them.”

Common Cents

Ask not what you can do for your school but what your school can do for you. Universities give back to their student patrons in plenty of ways, so take advantage.

  1. Be book smart The library isn’t just for studying, using the Net and people-watching. It actually contains books — a revelation, I know. If you’re taking subjects like lit, history or philosophy, the library could relieve a big financial burden. Instead of turning to the expensive school bookstore (or even Amazon) for a book, do a quick search on the libe’s browser to see if it’s available. Then drop-kick the kid who’s about to check it out.
  2. Get off your lazy butt If you have access to the campus gym and you’re paying for a pricey fitness membership, stop. Other free-of-charge physical activities: walking, jogging, hiking, in-line skating, riding your bike, a pickup basketball game, lifting weights in your room, dropping to the floor to do sit-ups and push-ups … shall we go on?
  3. Let’s make a deal You’re a smart cookie, so figure out how to split costs with your roommate. Double up on your laundry to save quarters. Share a printer, swap playlists and take the same cab home from a party. And if you’re both heading out of town, consider carpooling. Even if you and your roomie aren’t the best of buds, a road trip is always less taxing when there’s company … and music.
  4. Hop on that job “The No. 1 thing I can say is find a job on campus,” offers up Wabash College junior Mack O’Shaughnessy. “It’s the best way to get some extra cash in your pocket.” On-campus stores and restaurants are often hiring. Just don’t tell the folks: You still need someone’s sympathy, especially when it comes in the form of a crisp Benjamin.

Scholarships: JROTC and FFA

 

Searching for scholarships can be overwhelming, especially if you don’t know where to look; or in this case, how to plan. Sometimes planning for scholarship opportunities takes a little foresight and preparation, but the benefits and the rewards definitely pay off.

JROTC Scholarships

jrotcMany high schools across the country offer a class called JROTC (Junior Reserve Officers Training Corps). It’s more than a class, however. It’s an opportunity to qualify for scholarships at the military academies and in college ROTC programs. Additionally, many parent booster groups offer scholarships to cadets who participate in the program. Even if your college-bound teen doesn’t plan to pursue a military career, JROTC offers a great opportunity to show colleges they possess leadership qualities and communication skills. Units also teach discipline and respect.

Read this article to find out more information about JROTC:

Junior ROTC-more than just a class to cadets

ffaFFA Scholarships

FFA (Future Farmers of America) clubs in high schools offer another opportunity for students to win scholarships. Students raise livestock and participate in livestock shows. Most exhibitors leave the livestock show with some money for college, and many win additional scholarships.

Read this article to get more information on FFA and livestock competitions:

Scholarships: Another way for stock show competitors to win big

If your college-bound teen shows an interest in either of these two areas, it’s an excellent opportunity for them to turn their interest into some money for college.

How to raise $15,000 for college

 

A few weeks ago I attended a virtual college event at CollegeWeekLive. I was impressed with the simplicity of the information and wanted to pass it along to all my readers who might not have had the opportunity to attend. This particular session was conducted by Kim Clark, staff writer for U.S. News and World Reports. She outlined some simple steps to raise $15,000 for college:

  1. Up to $2500 from Uncle Sam–via tax credits (Hope and Lifetime Learning Credit)
  2. Child labor–put your teen to work at a summer job ($8 an hour x 40 hours a week for 9 weeks=$2880)
  3. Student loans–Stafford Loan ($5500 max per year at 7%); after student leaves college can sign up for payments based on their income (less than 15%)
  4. Family savings–cut teen to occassional driver and save $; food bills will decline; stop subsidizing entertainment (food and insurance can =$300-$400 a month)
  5. Scholarships and grants–leverage grades, test scores, athletics, arts for merit-based grants; apply for local scholarships
  6. Friends and relatives–ask for college fund contributions instead of presents
  7. Corporate sponsorship–some employers subsidize education for employees and families; UPromise
  8. Reduce college expenses–reduce dorm costs (share with other students); watch meal plans; buy used textbooks or rent; earn cheaper credits at community college, AP classes or dual credit classes; sell student’s car (won’t need one at college)

The bottom line: $15,000 or MORE! Here’s how it all adds up:

  1. Tax break-$2500 per year
  2. Student loan-$5500 per year
  3. Student job-$3000 per year
  4. Parent savings-$4000 per year
  5. Relatives-_____ (fill in blank)
  6. Scholarships-____(fill in blank)
  7. Corporate sponsorship-____(fill in blank)
  8. Reduction in college expenses-_____(fill in blank)

By piecing together all these separate components, there is no limit on how much you can raise for college costs. At the very least you can raise $15,000, at the very most, the sky is the limit!

You can check out U.S. News and World Reports education section: Paying For College for more information and tips.

Paying for College

collegeweekliveToday is CollegeWeekLive’s FREE online event that will answer many of your questions about paying for college.  They have taken the time to gather all the experts and bring the information to you in the comfort of your own home. Sit down with a cup of coffee and watch, listen and chat while they give your their tips on financial aid, scholarships and financing.

Straight from College Week Live’s email:

Would you like to talk live with representatives of the US Dept of Education, Office of Federal Student Aid office about the new Free Application for Federal Student Aid (FAFSA) form and federal financial aid options? Want to speak with an expert from US News & World Report about tracking down cash for college? Would you like to find scholarships or get advice from college financial aid officers?

Get all this and more at CollegeWeekLive PAYING FOR COLLEGE on January 14th from 3:00 – 10:00 PM Eastern. Register for free and login this Thursday to speak live with this all-star cast of financial aid and scholarship experts!

3:00 PM Eastern How to Raise $15K for College Right Now
Kim Clark, Staff Writer, US News & World Report
3:30 PM Eastern How to Tap Into $11 Billion in Merit Scholarships
Chris Long, President and Chief Operating Officer, MeritAid.com
4:00 PM Eastern Elks National Foundation Scholarships
Kristen Scaletta, Programs Relationship Associate, Elks National Foundation
4:00 PM Eastern Money for the Student Athlete
Dion Wheeler, Author: “Sports Scholarship Insider’s Guide”
4:30 PM Eastern The Scholarships.com Program
Kevin Ladd, Vice President, Scholarships.com
5:00 PM Eastern Finding Money: A Guide To Financial Aid
Featuring Martha Savery, Director of External Relations, MEFA
7:00 PM Eastern Funding Your Education: Expert Tips to Navigate the Financial Aid Process
Adam Essex, Senior Project Manager, US Dept of Education, Office of
Federal Student Aid
9:00 PM Eastern Ask a Financial Aid Officer
Financial Aid Officers For Hawaii Pacific University and University of Alaska Fairbanks

Visit the Scholarships.com booth on the Financial Aid floor for more scholarship information and live chat!

Don’t forget about the CollegeWeekLive scholarships: Click here for more information!

  • $1,000 scholarship for the student of a parent who registers and attends CollegeWeekLive PAYING FOR COLLEGE
  • $3,000 scholarship for a student who registers and attends any 2010 CollegeWeekLive event prior to March 31, 2010

You don’t want to miss this FREE resource. Set your alarms, your watches, your smartphones and your Outlook calendars. See you in cyberspace!

Outsmarting the SAT

elizabeth-kingToday’s guest post is by Elizabeth King, author of “Outsmarting the SAT”. She has successfully led students to score gains of well over 100 points on every section of the SAT. She takes the test every year herself and knocks it out of the ballpark.

The test prep companies would like you to believe that you can’t prepare for their tests, or that you’re already prepared just by having gone to high school. This sounds great: test prep companies don’t have to endorse folks who can help you prepare and it seems like you, the student, is off the hook.

However, I come bearing great news: yes, it’s entirely possible to drastically change your score on both the SAT and ACT. I know, the companies that produce them tell you that they each test “what you’ve already learned in high school” in varying ways. In a perfect world, that would be true, but it’s far more likely that you either never learned some of the material or you don’t remember it when you see it. Both the SAT and ACT test skills you started learning around the age of ten. You’ll want to brush up.

I’m also going to let you in on a little secret: your friends (the people against whom you’ll be competing for college admission) may be preparing and just not admitting it. Yes, seriously. Let’s face it: acting like you care about standardized tests is not traditionally considered cool. However, I can’t tell you how many students I have that are friends that say “don’t tell so-and-so we’re coming to you” or the number of kids that are tucked away by themselves at the bookstore cafe on Saturday morning perusing a prep book. Not only that, I would say that it’s extremely common for someone to tell me his SAT score (happens all the time) and quickly tack on a lame excuse, like, but I was out partying the night before or but it’s not like I studied for it.

Bsat-testut let’s face it. College admissions officers don’t care how cool you are and are given no indication of how much you may or may not have studied for exams. They simply see a number and assess you accordingly. Moreover, while you may think you’ll get away with an hour or two of looking over a sample test the night before, in some areas or schools it’s completely normal to spend six months to a year preparing for the test. Right now, somewhere in the world, a student against whom you’ll be competing for college entry is preparing for the SAT or ACT.

Now, look: just because I’m asking you to prepare doesn’t mean I’m condemning you to taking one of those 8 week 4 hours every Saturday morning courses with a huge prep company. In fact, the National Association of College Admissions Counselors released a study in 2009 that said your score will likely only go up around 30 points if you do so. I don’t know about you, but if I’m going to invest 32 hours of my life preparing for something, I want to make some serious progress.

Here are some first steps to get you on the road to a score that represents you well:

–Pick your battle. Take a practice ACT and SAT test (available on the web). Think about which test is more comfortable for you. The math on the ACT covers more topics, but it generally feels more straightforward. The reading comprehension on the SAT is more conceptual; you’ll also want to consider the breadth of your vocabulary and how quickly you can learn new words. Vocab is pivotal on the SAT. The pace of the ACT is a little faster; the SAT is slower but longer.

–Prepare. Get a copy of The Official SAT Study Guide or The Real ACT Prep Guide and thoughtfully go through the material. For every mistake you make you’ll want write a note, and every mistake will fall under one of two categories: a rule/fact/equation you didn’t know (e.g. a particular geometry rule) or a question style (e.g. you know a particular geometry rule but you didn’t realize you needed to use it because of a confusing element in the question). Write all this down and review it!

–Ask for help. Rather than looking for guessing strategies on those questions with which you struggle, take the time to actually learn the material. Find a tutor or get a prep book that thoroughly teaches concepts rather than guessing rules. Remember that it’s possible to learn everything tested on the SAT and ACT, and I guarantee you’ll walk into the test more confident and away from the test center with a higher score and a better shot at entering the college of your dreams if you’ve taken the time to learn the material.

–Plan ahead. Know test dates ahead of time and don’t wait till the last minute. Remember, the competition is out there. Arm yourself and earn a score you can be proud of.

Contact Elizabeth at:
Elizabeth King Coaching, Inc.
http://tutorsfortestprep.com
On Twitter: http://www.twitter.com/elizabethonline

Scholarship Alert: Thanksgiving Creative Geniuses Scholarship

Zinch.com is holding a Thanksgiving Scholarship to award THREE $1000 Scholarships. The winners will be chosen by the following criteria:

– 1 will be a high school genius
– 1 will be a college/grad school genius
– And the 3rd winner will be whomever has the most “likes” to their post when the judging occurs.

According to the rules:

You can post either an image or video that displays how creative you are. This could be a film you made, a piece of your artwork, some of your photography, etc., or it could be a photograph of something that you made, did, or otherwise. Or you can just make a video telling us why you are a creative genius.

You can pretty much do whatever you want as long as it is in video or picture format and reflects your creative genius.

The deadline is Monday, November 30th.

You can get all the details by clicking below:
Thanksgiving Creative Geniuses Scholarship sponsored by Zinch.com

Is the Ivy League price really worth it?

When my son was a young boy, he talked often about going to Harvard. Where he got that notion in his head, I will never know. It was so ingrained, that he wanted a Harvard sweatshirt. Funny thing…my daughter still has that sweatshirt today and has grown quite fond of it.

Did my son attend Harvard? No. He opted to join the Marines and attend college later on the GI Bill. Perhaps a wiser and more logical choice in the grand scheme of things. But…I’ve often wondered whether or not the cost of those Ivy League colleges is worth the education you receive.

A recent article from Unigo/WSJ on Campus explored that question in depth. It explored the current economic climate, the state of colleges and universities, and the overall thought process in making those college decisions. The article begins by stating:

Old dreams of adult children earning degrees from elite, door-opening colleges or “legacy” schools attended by relatives are falling away in some families, in favor of a new pragmatism. Other parents and students are doing a tougher cost-benefit analysis of the true value of a pricey undergraduate degree. As parents wrestle privately with such emotional issues, many say they wish they’d begun years earlier to assess their values and priorities, long before their children’s college-decision deadline was upon them.

That’s ALWAYS been my philosophy: START EARLY. Do your research and learn about the college’s financial aid footprint.  Do a benefit-cost analysis and weigh ALL of your options before you make that final decision.

The overall tone of the article is that parents and college-bound teens are opting for the more logical college choices that keep them close to home and ensure they graduate without debt.

But, I would have to add an additional comment: find that “perfect fit” college. It’s not about the rank, or the prestige, or even completely about the cost. It’s about finding a place where your teen feels at home and is valued. And discounting Harvard, or any Ivy League college because of the pricetag might not be the BEST advice. An admissions consultant offers this advice:

Depending on the financial aid package offered, the out-of-pocket cost of attending a private college can often be lower than that of a public university. In a simplistic example, a $25,000 bill at a state college would be reduced to $20,000 with $5,000 of financial aid, but a private liberal arts college with a sticker price of $50,000 would cost $15,000 if the financial aid package totaled $35,000, making it cheaper than the state college. Of course, financial aid is more complicated than this, but private colleges with strong endowments often offer generous merit and need-based scholarships. In the end, award offers must be weighed against each other carefully, taking into account whether the award is made up of loans (which must be paid back) or grants/scholarships (which do not get paid back). The bottom line? Research the possibility of financial aid before eliminating a college from your list just because it sounds too expensive.

In honor of Halloween: Weird and Wacky Scholarships

Although these scholarships have been deemed “weird and wacky”, any scholarship that garners you FREE money for college is anything but that. Did you know that you can type in “wacky scholarships” in Google and come up with some of these scholarship gems? Here are just a few of them.

Is your teen a leftie?

Juniata College located in Huntingdon, Pennsylvania offers two 1,000 scholarhips to left handed students each year. One of the qualifications is – yes – left handedness.

Does your teen know how to knit?

The National Make It Yourself with Wool (NMIYWW) organization awards 2 scholarships for knitting wool garments. Make a killer wool garment and submit it to this organization and they will judge it based garment style and design, contestant’s presentation, and creativity. Winners receive either a $2,000 or a $1,000 scholarship.

Is your teen a Trekkie?

The Kor Memorial Scholarship is awarded by the Klingon Language Institute to recognize and encourage scholarship in the field of language study. You don’t have to be fluent in Klingon, but creativity is preferred.

And…

Starfleet Academy Scholarship. If you are a member of the “Starfleet Academy,” an organization modeled after the fictitious Star Trek academy you may qualify for awards such as the Gene Roddenberry Memorial Scholarship for Aspiring Writers or the DeForest Kelley/Dr. Leonard McCoy Medical Scholarship.

Is your teen enjoying “the air up there”?

The Kae Sumner Einfeldt Scholarship, sponsored by Tall Clubs International offers tall students a $1000.00 scholarship. To qualify, girls must be at least 5-foot-10, and guys must measure at least 6-foot-2.

Is your teen fascinated with ghosts?

The New York-based Parapsychology Foundation offers young ghost hunters and those with interest in the paranormal several scholarships.

Does your teen have expertise in duck calling?

The Chick and Sophie Major Memorial Duck Calling Contest awards a $1,500 scholarship to the winner of their duck calling contest. First runner-up gets $500, second runner-up gets $300, and third runner-up gets $200.

If these have peeked your interest, here’s a few other links offering many other possibilities. With the scholarship names, you can go to a scholarship search site like FastWeb and find out all the details.

http://scholarship.lifetips.com/cat/61637/wacky-scholarships/index.html

http://www.wacky-scholarships.com/

Happy Halloween!

Would you pay $14,000 to get your teen into Harvard?

college_20moneyTalk about college sticker shock! I just read an article about a company that charges $14,000 for a 4-day Application Bootcamp. The camp sells out every year and boasts a waiting list. The statistics are posted about the students who attend and the results of their admissions applications. The stats are impressive, but I had to ask myself if that price tag was worth the results. Perhaps it is, if your teen’s heart is set on a specific school and you have the cash on hand. But most parents are scrambling just to pay tuition, let alone come up with $14,000 to pay for an application coaching camp.

If you’re one of those parents whose teen wants to be accepted into a top-tiered college or university and you don’t want to drop 14 grand for admissions coaching, what can you do? Will that price tag assure your teen an acceptance letter?

If that cost sends you running in the opposite direction, try this instead:

  1. Start early and stay organized–use a filing system that helps you keep track of awards, activities and deadlines.
  2. Encourage your teen to take challenging courses: AP classes, Honors classes, science and math courses.
  3. Be an effective parent coach by encouraging them to focus on one or two activities in high school and stay involved.
  4. Arm yourself with the right tools and information to help your teen learn about interview questions, essay topics and admissions applications.
  5. Study the college admissions statistics of the colleges that your teen is interested in and use them as a guideline in the college selection process.
  6. And lastly, for a fraction of the $14,000 pricetag, you can purchase the Parents Countdown to College Toolkit which will provide you with all the tools you need to help your teen realize their dream of a college education at the school of their choice.

Granted, there are those parents who can afford and are willing to pay hefty prices for admissions counseling. But the bulk of most parents are on a budget, scrimping and saving to be able to send their kids to college. The Parents Countdown to College Toolkit is an affordable and effective alternative!