Category Archives: college planning

college costs, college planning, scholarships

Frame My Future Scholarship

frame-my-future-scholarship

I’m always on the lookout for scholarship opportunities for college-bound teens. And when I find one that doesn’t require an essay, I’m ecstatic. Why? Because there is always that student out there that is loaded with creativity, but not the best wordsmith.

Frame My Future Scholarship, sponsored by Church Hill Classics, asks applicants to “upload an original creation that shares with us what you want to achieve in your personal and professional life after college.  The main guideline is that your creation must be submitted within one image, in a JPEG format.” This allows for creativity to abound because images can be photographs, collages, a scrapbook page, a poem–just as long as it’s a single JPEG image that can be uploaded.

This year’s scholarship contest is coming to a close, but there’s a link on their site to VOTE for one of the top 24 finalists (give these creative college-bound teens some votes) AND a link to  sign up to receive information on next year’s scholarship. What could be simpler?

As always, I recommend you keep a scholarship file (either online or in a folder) with all your scholarship finds so that when the time arises to apply, you won’t forget about a single one!

Kudos to Church Hill Classics for coming up with this unique scholarship!

college costs, college planning, financial aid, scholarships

Paying for College? Your Financial Options

paying-for-collegeCollege isn’t cheap.  My College Guide has been saying that for years – 20 years to be exact!  But don’t let a tiny matter like cost take your college bound hopeful off the college track!  You should know that, when it comes to paying for college: you’ve got options.

Federal Loans – The Free Application for Federal Student Aid, or FAFSA, could send free college aid your family’s way!  No matter what your financial situation may be, you and your teen should fill out the form, online or mail-in.  Circumstances change – and colleges often require a completed FAFSA in order to consider your son or daughter for college-specific loans and scholarships!

Work — Study Programs — Sometimes nicknamed “self help aid” work-study programs are often provided by the college your teen actually wants to attend.  There is a Federal Work-Study Program and state programs as well.  It’s one way that your teen can help pay their way through college – and gain a little life experience in the process.

Grants and Scholarships — Simply applying to college will make your child eligible for some scholarships sponsored through the school. Of course, many scholarships are merit based. But, even if your college bound teen isn’t at the top of their class and the last sport your child played was tennis on the Wii – with the right scholarship or grant, lack of athletic or academic achievement may not matter.  There are scholarships and grants out there to fit every student: no kidding.  Your son or daughter can find free money to match their ethnicity, intended college major, religion, SAT scores, hobbies, and then some.  Many colleges have their own specific scholarships and/or grants that cover a range of abilities and majors.  To get started, have your teen sit down with their high school guidance counselor or surf the web for free money that fits!

Student Loans – There are various loan options: state, federal, and even loans from your child’s choice college.  Loans do need to be paid back and there will be interest tacked on but repayments are very often deferred — at least until your child completes their college career.  It’s good to know that when all else fails – there is still an option!

My College Guide has provided free college info with a 100+ page annual magazine for high achieving high school sophomores for over twenty years.  We are rapidly expanding online – find us on Facebook and Twitter and say “hello!“

admissions, college guidance, college planning

Top 5 Ways to get OFF the Waiting List

In the life of a high school senior, it doesn’t get much more nerve wracking than the month of April. This is the time of year when high school seniors finally receive the news on which colleges have accepted or rejected them and they only have less than a month until May 1st, National Candidates Reply Date. Fat envelopes are good, thin ones are bad, but there are also the half-good/half-bad envelopes saying you are in the admissions purgatory known as the waiting list.

by Lars Leetaru-WSJ Online
Photo by Lars Leetaru-WSJ Online

Edward B. Fiske, author of the #1 bestselling Fiske Guide to Colleges states, “Colleges use waitlists because they are not sure how many of the applicants receiving fat envelopes will actually enroll. Waitlists are their safety valves.”

Fiske advises high school seniors who find themselves on the waitlist of the school of their choice to send a deposit to your first choice among colleges that did accept you to ensure you have a place to go. If you prefer to go to a school where you are on the waitlist, go on the offensive:

Top 5 Ways to Get Off the Wait List and Get Accepted to the College of Your Choice:

  1. Send a letter ASAP to the admissions director emphasizing your unyielding desire to attend. State specifically why you think the match is a good one and highlight new information.
  2. Call to see if you can arrange a campus interview. “Students who have been offered regular admission waitlist status are well advised to pay a visit by mid-April, perhaps with a set of recent grades in hand,” says Peter Van Buskirk, former Dean of Admissions at Franklin and Marshall.
  3. Send examples of impressive work. This is particularly relevant if you have an area of special talent or if you have produced new work of which you are especially proud.
  4. Ask a current teacher to write a recommendation highlighting your recent achievements. Ask teachers who wrote letters for you previously to send updates.
  5. Ask your guidance counselor to write or call and see that the admissions office is kept up to date with your grades and other achievements.

These are great tips for any college-bound teen who finds themselves on the wait list. My motto for this: it ain’t over till it’s over! In the future, I will be reviewing the Fiske Guide to Getting Into College.

college costs, college planning, financial aid, scholarships

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.

 

college guidance, college planning, parenting

"Helicopter" Parents

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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.

chart02

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

college guidance, college majors, college planning, parenting, Uncategorized

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

college costs, college planning, financial aid

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.

college planning

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.

college costs, college planning, scholarships

Scholarships: A good reason to attend prom

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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

college planning, parenting, Uncategorized

The Happiest Kid on Campus…

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…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.