Category Archives: college planning

Scholarships: Military dependents

 

militaryAre you or your spouse in the military? Do you have a family member that was a veteran of a foreign war? If so, there are scholarships available in these specific categories.

State Provided Education Benefits

Educational benefits for families, particularly the children of deceased, MIA, POW, and disabled veterans, may be available in some states. Military.com has developed an on-line general summary of educational benefits for veterans, surviving spouses and their dependents.

Click here to learn more about State Education Benefits.

Private Scholarships and Grants

While looking for money for school many surviving spouses and their families overlook the over $300 million of military – and veteran – related scholarships and grants. These scholarships often go unclaimed.

Visit Military.com’s Scholarship Finder today and get started.

Local Scholarships

Also, don’t neglect to search in your military community. Many service aid organizations and associations, like the Navy Marine Corps Relief Society, offer scholarships, grants, and low interest loans to help cover education expenses.

 

"Helicopter" Parents

helicopter-parentWe’ve all heard the term: helicopter parents. There isn’t one of us alive that wants to have that title attached to our behavior. But a recent study shows that a high level of parental involvement correlates with a positive college experience. A new student poll, conducted by the College Board and The Art and Science Group, LLC stated:

College-bound high school seniors are generally satisfied with the current level of their parents’ involvement in the college search process. But nearly 30 percent want more, not less, parental involvement, a figure that jumps to over 40 percent among students with lower SAT scores and household incomes.

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To some degree, these findings appear to defy recent media reporting and other anecdotal evidence about “helicopter parents,” in particular the perception of a rising level of intrusive and alarming behavior.

There is evidence that indicates that parents should take more, rather than less interest in their children’s education. The Harvard Family Research Project found that teens whose parents play an active role do better in school and are more likely to enroll in college. Many parents tend to be less active during middle and high school, however.

Should there be a healthy balance? Of course. Parents should respect the fact that their teens are maturing and growing toward independence. Teens need practice making their own decisions, the freedom to make mistakes, and the chance to learn about consequences.

As I’ve mentioned previously, a parent’s role should be that of a coach. You are there to provide structure, advice and encouragement. Work with your teen as a team and help them stay organized. But let them take the lead and own the process.

Read the complete study:

Student Poll

Take the “Helicopter Parents” quiz:

Quiz

Career planning tips for parents of teens

options-susan-pOur guest blog post today is by Susan Posluszny, the founder of OPTIONS for Career & Life Planning, specializing in unique programs and services to support students with college major and career planning. Susan is a Master Career Counselor with over 25 years of career counseling experience including 18 years as a college career center director. She is the author of In Search of a College Major & Career Direction, an interactive program designed to support teens and young adults with choosing a college major and career path.Her career counseling and coaching practice is located in New Boston, NH. Subscribe to Susan’s e-newsletter, Career Options, at www.collegesandmajors.com

Think Big Picture

It’s common to overly focus on the details:  Which ‘one’ major should I pick?  Which ‘one’ career should I pursue?  Yet, research studies show that it’s common for students (and adults) to shift direction over time as they explore, grow, and change.  What to do?  Get your student to identify their top 2 – 3 academic and career interests and then explore ways to simultaneously prepare for and reality test more than one interest.  Sound impossible?  Not at all.  Careful selection of academic courses and career exploration strategies (job shadowing, internships, career related employment or volunteer experience) will do it.  Be sure to spread these efforts out over time so as not to overload.

Discard Outdated Notions of ‘Job Security’

Job security in the form of long term employment with one employer in exchange for dedication and hard work is long gone.  Instead, shifts in the work world have been moving towards project based work and ways to match individual interests and skills to marketplace needs.  Don’t expect selection of the ‘right school’, the ‘right degree’, or the ‘right career’ to provide guarantees of post graduation employment or career success.  Today’s students will need to take charge of their own career development in order to ensure a sense of ’employment security’ for themselves.

Consider Career Interests Relative to College Loan Debt

According to the College Board, the average debt for a Bachelor’s degree was $23,200 in 2007-2008.  an individual student’s loan debt can vary significantly from this figure but the bottom line is that many students are feeling pressured to pursue academic and career choices that will allow them to pay off their loans…even if these choices don’t particularly interest or excite them.  So, how about your student?  Will college loan debt drive your student’s college major and career decisions?  If so, it’s as if your student is working for the financial institution.  Help your student to identify their top career interests and to explore creative options for pursuing career preferences while owning one’s financial reality.  Do all that you can to help your student avoid limiting future options by taking on too much debt.

Explore Career Preferences Prior to Choosing a College Major

Many students choose a college major first and then determine their career choice based on their chosen major.  This is a no brainer when a major is directly linked to a career field (nursing, education, engineering, etc.) but this approach has its limits.  First, it doesn’t work so well with majors that cover broad interest areas like English or Business Administration.  Second, many students end up pursuing career interests totally unrelated to their majors.  While it can be helpful for students to consider academic subjects that interest them when choosing a college major/career, it’s also valuable to explore your career interests  Once key career interest themes are identified, research to see if these interests have specific college major requirements.  Chances are that there’s quite a bit of flexibility with academic choices relative to career pursuits.

Copyright, Susan B. Posluszny, OPTIONS for Career & Life Planning LLC

If you would like to contact Susan or find out more information about the services she provides, you can contact her at:

Her websites: www.careeroptions4me.com and www.collegesandmajors.com

Twitter: http://www.twitter.com/susanposluszny

Email:  susan@careeroptions4me.com

Top 10 College Money Sites

 

Every parent frets, stresses and loses sleep over financing their college-bound teen’s college education. The good news is there is help available out there to ease your mind and get you on the right track to preparing for that day when your teen heads off to college. Here’s a list of my Top 10 College Money sites:

 

1. Reduce My College Costs–Marc Hill, CCPS, RFC® and founder of Reduce My College Costs, LLC. is both a financial planner and a parent, who know what you are going through. That’s why he created his firm to be a little different. It is not a scholarship search firm and not a student loan lender. He is well-versed in the financial aid process, but he knows not everyone is eligible for financial aid. So he takes a broader approach-identifying a variety of solutions that will make college more affordable for people at all income and asset levels.

2. FinAid–gives an overview of all types of college funding from scholarships, to loans, to savings, to military aid, to loans with links and information on each of them.

3, Saving for College–A top notch site explaining in great detail all the in and outs of college savings with calculators and tax information.

 

4. UPromise–A college savings service that harnesses the purchasing power of parents, extended family, family, and students to make it easier to pay for college. Members direct their spending to Upromise partners-including more than 600 online stores, 8,000+ restaurants, thousands of grocery and drugstore items-and earn money for college.

5. CollegeAnswer–Sallie Mae’s money management site gives an overview on college financing focusing on loans. The site provides a great School Affordability Analyzer.

 

6. CNN Money/College–A great site for the latest college financing news, calculators and how to maximize your financial aid.

 

7. MSN Money/College–A guide to saving for college with The Basics, Fast Answers and a message board.

 

8. CollegeBoard–The College Board’s EFC calculator which will help you determine your Expected Family Contribution BEFORE your teen starts applying to colleges.

 

9. Money Management 101–A blog created to help parents and students learn about money management.

 

10. StudentAid–A site for free information from the U.S. Department of Education and the home of the FAFSA4caster.

Sleeping with Strangers




If your college-bound teen is heading off to dorm life in the fall (or you’re looking ahead to that day) here’s a great article about making living with an unknown roommate bearable. HEED this advice!

By David Replogle for The Real College Guide

Your random roommate is a total stranger who’ll sleep by your side and share your air for at least a semester. Here, how to make things (a little) less awkward.

Your mission, if you choose to accept it, is to make it through freshman year shacked up with a stranger: your new roommate. Um, awkward. Want to reach out to your roomie lay down some laws — and hopefully the groundwork for a great relationship? Here’s a five-step plan to increase your odds of survival at the foundation of your school social life: your dorm room.

1. Make Contact
A proper introduction sets the tone of the relationship, and breaking the ice early gives you a head start on addressing more pressing issues (like who’s bringing the Xbox — see No. 3). So, once you get your roommate’s name and contact info, put it to good use by shooting him an e-mail or a Facebook friend request. If you’re feeling particularly brave, pick up the phone and dial those digits.

By the way, be careful not to jump to conclusions while stalking your roommate.  “Facebook is just a way of getting that initial impression of the person and taking the ease off the nervousness,” says rising junior Jasmine Laroche of the University of Pittsburgh. “Actually spending time with and getting to know your roommate is your best bet.”

2. Meet and Greet
Meeting up before school starts gives you the chance to make a casual but high-quality first impression. Plus, it makes things a lot less awkward on move-in day, when you’ll likely be towing your parents and breaking a sweat emptying your stuff out of the ol’ minivan. A pre-screening allows you to calm your nerves too, since it means you’ll have one more familiar face (and one less unknown factor) come fall. So, if you’re attending a state school and your roomie lives nearby, there’s no excuse not to get together. But don’t give up on meeting if you’re a beach bum in So Cal and your future bunk buddy lives in the deep woods of Maine. You don’t need to be majoring in rocket science to sync your summer travel schedules and meet up. Otherwise, there’s always video chat.

3. Set Ground Rules
First off, make sure the two of you have similar packing plans for stuff you’re going to share, like a TV, large rug or mini-fridge. “There’s so much stuff to bring that it’s easy not to be on the same page,” reflects Virginia Tech senior Valerie Carboni. After you figure out who’s bringing what, it’s time to lay down the law.

You should discuss each of your expectations about staying up and waking up, partying, having guests over, cleanliness and borrowing each other’s things. (These are the most common conflicts, but they might not be the only ones.) There is no better time than the present to voice your opinion or strike some compromises, even if it results in early head-butting. It’s better than letting issues build up later, which can lead to heated arguments and uncomfortable passive-aggression (and that really sucks).

4. Reach out (While You Branch out)
Roommates tend to spend a lot of time together early in the school year, but that doesn’t mean you’ll be the lone kid on campus if you and your roommate don’t hit it off. That said, many roommates grow apart after week one.

Regardless, be sure to show some empathy toward your roomie. At the end of the day, she will be the one you come home to and the first to notice when you are sick, stressed or heartbroken. “This is the person you live with and see every day,” says Carboni, “and even if you aren’t the best of friends, it’s still important to check in on someone.”

So, if your roommate needs a quick term paper edited or is crying for some impromptu relationship advice, grab a red pen or muster up your most genuine “It’s not you, it’s him.” It’s also nice to extend an invitation every now and then, even if you suspect the offer will be turned down (like when you’re headed out to a party and your roomie is decked out in pj’s and staring blankly at the computer screen). Hey, it’s the thought that counts.

5. Keep It Real
Embark on your roommate relationship with a positive attitude, but realize that not all random roommate couplings are going to end up BFF. And you don’t need to fake it. If you follow all the above steps and it turns out you’re still like oil and water, hey, it happens.

Meanwhile, keep in mind that this is only the beginning of an illustrious college career, and you’ve got plenty of time to forge new relationships. “Your roommate can turn out to be your best friend or just an acquaintance, but don’t measure your roommate experience to what college is going to be like,” Laroche points out. Bottom line? Just buckle up and enjoy the ride … er, mission.

Scholarships: A good reason to attend prom

This isn’t your typical prom dress or your typical fashion related competition. Get creative and you could win thousands of dollars in scholarships in two contests: Own Your Look Prom Contest 2010 AND Stuck at Prom.

stuck-at-promStuck at Prom participants are required to submit a photo of themselves attending their prom decked out in duct tape anytime from March 1 to June 7, 2010. Check out the website for complete rules, details and photos of past winners.own-your-look

JoAnn’s, Own Your Look Prom Contest began on January 15 and ends June 15, 2010. This contest requires an original prom dress (using a pattern is okay!) and accessory made with fabrics and other items from JoAnn’s. The student/prom goer (aged 14-19) entering the contest must be the one making the entry. Photos of the contestant in the dress are required.

Click the links below for full contest rules and details:

Own Your Look Prom Contest 2010

Stuck at Prom

The Happiest Kid on Campus…

…A Parents Guide to the Very Best College Experience (for you and your child!)

by Harlan Cohen, a bestselling author (The Naked Roommate), nationally syndicated advice columnist and professional speaker who has visited over 300 college campuses.

This is an advance review of Harlan’s new book scheduled to come out in May 2010.

I just finished reading an advance copy of The Happiest Kid on Campus: A Parent’s Guide to the Very Best College Experience (for you and your child!). It was like taking a trip down memory lane with both my kids and their college experiences. If only this book had been written eight years ago when I sent my daughter off to college, I might have avoided many sleepless nights, worried moments, and confusing dilemmas during those tumultuous four years. My favorite quote from the book: “Life (and college) is 90 percent amazing and 10 percent difficult.” It’s the 10 percent difficult that Harlan Cohen addresses in his book. And it’s that 10 percent difficult that ALL parents need to be prepared to deal with.

This book answers those nagging parental questions:

  • Will my child be safe?
  • How much should I be involved and where should I draw the line?
  • How do I help my child adapt to living away from home and getting along with others?
  • Is it OK to ask questions?
  • How much contact from home  is too much and how do I set boundaries?
  • What do I do when they call home with a crisis?
  • How do I talk to my child about sex, drugs, alcohol, academics, Greek life, roommates and getting involved?

Harlan uses tips and stories from students and parents to show us real-life college experiences. While doing that, he covers all the topics from the summer before college, to moving day, to the first few months, to parents weekends. He discusses controversial topics like drinking, sex, eating disorders, and even campus safety, offering parents direction and advice on how to discuss and handle them if and when they arise. He gets you up to speed on texting, Facebook and Twitter and discusses how to use them to stay informed and involved in your college student’s life without being intrusive.

On a personal note, while I was reading this book I was transported back to the early days of college when my daughter and I experienced so many of the college dilemmas Harlan discussed: overpacking for freshman year; dealing with a disagreeable and annoying roommate; living with her friends and regretting it; hazing during sorority rush; the freshman 15; struggling with certain classes and surviving; wanting to transfer because of a boyfriend; getting involved and finding her place. He addresses EVERY college dilemma with advice from his own experiences, other parents, students and college professionals.

If you’re a parent of a college-bound teen, you should pick up a copy of this book BEFORE your teen heads off to college. It will prepare you for their years in college and give you that peace of mind knowing that everything you are faced with is all part of the college experience. You’ll worry less, sleep more, and ensure that you and your child have an amazing college experience.

Top 5 Test Prep Sites

Your college-bound teen MUST do some sort of test prep. It will improve their scores and give them confidence when they take the test. Preparation and familiarization with the test and its formulas will give them an edge over the students who choose not to prepare.

Here are my recommendations for test prep sites:

elizabethonline

1. TutorsForTestPrep–Elizabeth writes a blog that gives some great tips and discusses the nuances of the tests. She takes the test herself every year and is familiar with its content and knows how to help your teen improve their scores. Read what Elizabeth said about her services:

Outsmarting the SAT

wordnerd

2. WordNerd–Sheldon walks your teen through practice tests, smart sets (words that go together), study roots (prefixes and suffixes) and gives a “nerd” word of the day. This is a good practice site to improve vocabulary. Read Sheldon’s advice on SAT prep:

Creating an SAT Study Plan

mindfish

3. MindFishYour teen can play an SAT test game to help them master skills and you can dialogue with test prep and admissions professionals and other interested parents.

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4. CollegeBoard SAT Test Prep–The College Boards FREE test prep site for the SAT with practice tests, question of the day and sample practice questions.

allenprep

5. AllenPrep–Get an Ipod/Itouch/Iphone App here for just $9.99 and your teen can use it to improve their SAT vocabulary. They also provide testing software and offer a 2-day FREE trial to check it out.

Information overload




Here’s a great article for your college-bound teen about STAYING ORGANIZED in college. This is one of my favorite topics for parent college coaches as well. It’s the only way to avoid feeling overwhelmed!

By Corey Bobco for The Real College Guide

Getting to school means … being slapped in the face with a semester’s worth of work. Stacks of syllabi have you overwhelmed? Breathe. We show you how to manage.

overloadYou’ve been on the college scene for a few weeks, having the time of your life and wondering what all the university hype is about. So far, all you’ve had to do for your grades’ sake is skim some course readings and listen to a few professors babble in the lecture hall. But then … BAM! After an enlightening series of classes one fine Monday, you realize you’ve got a biology exam and two 1,000-word essays on Homer and Joyce due — all by the end of the week.

Uh-huh. This scenario is all too common, even among seasoned students.
Sure, you can survive it, even if it means pulling a few all-nighters. But if you always let everything pile up until crunch time, your grades will eventually suffer. And so will you.

So how can you avoid epic battles with tests and deadlines so you don’t become a scholastic casualty? Stop stressing. Now. You can tackle time management and stay organized so your course work doesn’t get the better of you. Here’s how:

•    Stay on top of things! May sound like a no-brainer, but no kidding: If you don’t want schoolwork to pile up, you need to actively be aware of when it’s due. Pick up a portable planner — or if you’re computer-oriented, try an app like Google Calendar, which also conveniently syncs with your Gmail account — and copy the entire semester’s worth of assignments, exams and due dates into it from each class’s syllabus. And while we’re on the subject, be sure to carefully read all your syllabi. You may find sneaky stuff hidden in there, like “one full letter-grade drop for every unexcused absence” (true story). It’s better to know sooner rather than later.

•    Got notes? When you’re trying to figure out what’s crucial to know for a test or how to arrange course content into a viable essay, having good notes can be a real lifesaver, so pick up a few loose-leaf notebooks for jotting down info. We don’t recommend taking notes on your laptop — you risk getting distracted by the Internet and missing most of what’s said. Besides, paper provides a much more harmless way of keeping you entertained during idle moments (i.e., doodling).

•    Beating writer’s block When it comes to writing essays, getting those first couple of sentences down — or even just making an outline — can be a challenge, especially if it’s your first assignment. David Uskovich, a writing consultant at the University of Texas-Austin’s writing center stresses the importance of research: “It can put you in conversation with the material you’re trying to cover, which will help you make some connections so you’ll have something to start from when you actually sit down to write the paper.”

Freelance writer Lauren Brown, whose first young-adult novel is due out in the fall of 2010, offers this useful tip: “When I was in college at University of South Florida and had a paper due, there was nothing worse than staring at a blank computer screen and feeling like I had no thoughts in my head. The secret is to slowly condition your brain to start flowing by simply taking a few minutes to write via stream of consciousness. Just write down anything that comes to mind, even if you literally keep writing over and over, ‘Nothing is coming to mind.’ Eventually, your brain will warm up and more fluid sentences will emerge. After maybe 15 minutes or so of doing this, try again to start your paper. You’ll notice that you feel a bit more focused, way more relaxed, a little more creative and a lot less overwhelmed. Anytime you get stuck, just take a break and repeat this exercise.”

•    Outwit exams College tests come in many shapes and sizes, but as a general rule, liberal arts classes usually stick to short-answer and essay-oriented exams, while math and sciences often lean toward a multiple-choice format. For essay exams, it helps to find out beforehand from your professor or T.A. what the test will cover. It never hurts to ask them point-blank a couple of days before the test.

Third-year UT-Austin biology major Ben Cox points out that you can sometimes find many multiple-choice test questions from homework of previous years: “Math and science professors often take the basic idea of homework questions, even optional homework, and tweak only a few figures, leaving the concepts tested by the question intact.”

If you can get your hands on exams from previous semesters, these can also be helpful. Just ask around to find out who’s taken the class before you, or find out if your professor posts old exams on the course Web site. (Note: As long as you’re not memorizing answers, we don’t count this as cheating, but check out your school’s policy to avoid things like, duh, expulsion.)

“While the questions and even content might vary some from year to year, knowing the way your professors format their tests will do wonders for your preparedness,” says Cox.

So there you have it. Just by being organized and putting forth the effort to adequately prep for tests and assignments, you’ll be able to get more z’s … and more A’s — which is sure to put you on good terms with the parentals. And that always comes in handy, of course, whenever you want an “extra something.”

Scholarships for Homeschoolers

 

homeschoolMore than 2 million students per year are home schooled in the United States and the numbers increase every year. While there’s a lot of sacrifice going into providing that first rate education one thing homeschoolers don’t have to sacrifice is a college education.

While most scholarships don’t specifically exclude homeschoolers from applying, more and more are specifically including and even encouraging homeschoolers to apply. This may have something to do with the widely publicized studies revealing that homeschoolers have consistently scored higher on college entrance exams than their public school counterparts for the last eight years.

Homeschoolers should follow the same guidelines as other students when preparing for college. This means taking the SAT/ACT in your junior year as well as being active in your community. Many scholarship selection criteria lists extracurricular activities and/or community service as part of the decision process when awarding scholarships. That’s because scholarship committees recognize that while homeschoolers may not have the opportunity to be active in school-sponsored events, anyone can be involved in their community.

Every community has volunteer opportunities available for high school and college age young men and women that would not only benefit your community but would look great on a scholarship and/or college admissions application. Homeschoolers really have an advantage when it comes to preparing for college because of the flexibility to plan community and volunteer activities.

Don’t be put off by scholarships that require a specific GPA either because there are many such scholarships awarded to homeschoolers each year. True, you’re going to need high test scores to compete but the fact is anyone applying for scholarships needs to have high test scores and this is exactly what homeschoolers have become famous for. Some colleges and universities even openly recruit homeschoolers and set aside a homeschool day for just this purpose.

Here are just a few examples:

State Scholarships-Wyoming

Check out all scholarships pertaining to your state of residence. Chances are, state scholarships won’t be specific to homeschoolers but will either specifically include homeschoolers or won’t exclude them. This is just one example of a state scholarship that gives specific instructions for homeschoolers.

Hathaway Scholarship awards need and merit based scholarships to eligible students. Although GPA is a selection criterion for non-homeschooled students, students who are homeschooled can bypass this requirement and submit a list of classes completed and ACT or WorkKeys score. Homeschoolers must meet all other eligibility criteria and apply for admission to a post-secondary institution before the age of 21.

Applicants must meet the Hathaway scholarship specific requirements as set forth by the four different scholarships: Hathaway Career, Opportunity, Performance or Honor. Hathaway scholarships are for study at accredited Wyoming community colleges as well as the University of Wyoming.

For more information about the Wyoming Hathaway Scholarship and to view scholarship specific eligibility requirements, visit the Hathaway Scholarship Portal at the Wyoming Department of Education website.

Home School Legal Defense Association (HSLDA) – Patrick Henry College – Purcellville, VA

PHC Scholarship awards scholarships to eligible HSLDA members ranging from $1,000 to $1,500. This is a Christian college appealing primarily to Christian homeschoolers. Applicants must have financial need, outstanding academic achievement and be involved in community service. Applicant must be PHC Freshman who was homeschooled through high school and applicant’s family must have been member of HSLDA for 4 years.

Applicant must also submit two letters of recommendation and a personal testimony. For precise requirements and to access online application, read this pdf document.

Oral Roberts University – Homeschool Grant

Award amount is $2000. Applicant must have been homeschooled for 4 years and graduated from a homeschool. Must have already been accepted to ORU to apply. For more information and/or to apply for this scholarship, go here.

Michigan State University

Like many other colleges and universities across the United States, MSU not only welcomes homeschoolers but they also welcome scholarship applications from homeschoolers and require the same information from homeschoolers as they do traditional students, although it is understood that homeschool transcripts may be slightly different than those from traditional high schools.

Arizona Homeschool Scholarship Fund

In the summer of 2000, Arizona Families for Home Education (AFHE) formed the Arizona Homeschool Scholarship Committee (AHSC). Comprised of Valley business professionals, the AHSC established criteria and an administrative process to operate the Fund. Under the oversight of the AFHE Board of Directors, the AHSC reviews applications and recommends scholarship awards for qualified students.

From 2001 to 2009 the AHSC has awarded more than $50,000 to 39 outstanding homeschool applicants. To further expand the program AHSC has now added designated scholarships. The designated scholarship program allows donations in the name of an individual, family, business, or other entity. This approach allows donors to personalize the scholarships by specifying such things as amount, conditions, title, and purpose.

Those applying for scholarships should review the Arizona Homeschool Scholarship Fund Application Information and all designated offered scholarships before filling out the Scholarship Fund Application. These can be found on this Scholarship Opportunities link.

Homeschoolers should conduct their scholarship search just like other students. Most scholarships listed online provide an email address or a phone number of someone who is available to answer any questions about the scholarship or the application process.

You can also find scholarships by following this link:

http://www.homeschool.com/homeschool_contests_and_scholorships/default.asp