Category Archives: Uncategorized

Cast a Wider College Net for Your College Choices

college choicesJoin a group of parents whose students are getting college admissions letters and you’re going to hear the same conversations. Some are elated, others are confused, and many are disappointed.

I guarantee you that the elated parents have students who took the time to research the college and made sure they were at the top of the applicant pool when they applied. The confused and disappointed parents more than likely have students who applied to elite colleges with little hope of being offered admission or little hope of being able to afford it if their students were accepted.

It seems in today’s competitive college market, parents and students are often blinded by the hype. They fall for the false narrative that a student can’t be successful with a degree from an unknown college. They believe the lie that you can’t get a superior education from a small liberal arts college. They fall prey to the peer pressure from other parents who love to name drop and brag about where their student is applying.

Unfortunately, students suffer when their dreams are squashed by a college that only admits 10 percent or fewer of their applicants. In fact, elite colleges work hard to boost their rejection rates every year.

The good news is your student can avoid rejection by casting a wider college search net and considering other options when making your college choices.

Consider all types of colleges

Many students stick to the obvious in-state public universities. These universities are often large and have tens of thousands of applicants every year.

Seek a career, not a degree

Not every student is meant to pursue a degree at a traditional college or university. If your student is interested in pursuing a trade, consider researching technical and training schools.

Find your niche and exploit it

When creating a college list, search for specific degree paths that might be off the radar.

By widening your student’s search net and being more creative with the college list, his or her chances of receiving an affirmative answer instead of a rejection will increase tremendously.

For the details on how to pursue each category, you can read my original article on TeenLife Magazine here:  Crafting the Perfect Application List.

5 Experiences to Have With Your Child Before College

before collegeYour child is finally leaving for college. It may seem just like the other day that you were seeing them off to their first day at school. Now, you are helping them pack away their things, so they can further their education and help change the world. This can be an emotional experience for both parent and child alike–even if the child won’t admit to it. To make sure that both parent and child make the most of their last few months living together, here are a few experiences that you can share before college.


1. Cooking Class

Whether you’re the cook of the family or not, teaching your child how to fend for themselves in the kitchen is crucial to their survival and health. New college students tend to gain some weight at the beginning of school until they find their feet. You can help them by either bringing them into the kitchen with you or signing up for cooking classes together. This can be a fun experience to share together. You can laugh, solve problems together, and forge fond memories that your child will always remember whenever they cook that dish. 

2. Take A Trip 

This should primarily be done one-on-one or with both parents involved. Whether it’s to their favorite place or somewhere no one has been before, take the moment to enjoy the time with them. You can impart a few lessons about living on their own along the way. Make sure you take some photos, too, to record this last great adventure as a shared family. You may want to choose a quieter setting, too, so you can have those important discussions about safety, health, and any words of wisdom you gleaned from your college days. 

3. Family And Friend Time 

While they may not believe it, your child is likely going to be saying goodbye to their friends, too. One excellent way to send them off and still have an experience with them is to host a dinner party or pot-luck with friends and family. Only those closest to your child and the closest family members should be invited. This get-together is to celebrate the triumph of your child as well as to send them off with love and wisdom. Just make sure that they don’t spend all of that time with friends. 

4. Give Them An Experience Down The Line 

Sometimes words can be hard to say face-to-face. A way around this and ensure that you’re still telling your child everything that is in your heart is by writing a letter. You can tuck this away into their luggage in a place that they’ll find the letter. Not only does this make for a final experience for them to share with you later when they’ve moved into their place, but it could help curb some of the inevitable homesickness. This letter can ensure your child how much you love them. 

5. Adulthood 

Because schools don’t normally equip children with what they need to know to survive in the day-to-day world, you’ll need to take those lessons upon yourself. It will be boring, but it’s the best thing you can do to make sure your child isn’t lost. Take the time to show them how to use an ATM machine, how to open a checking/savings account, how to pay taxes, basically, everything that an adult needs to know how to do. They’ll hate it, so did you at one point, but it will prepare them for the future. 

It may be hard to admit, but your child has grown. Making sure that your child knows they are loved and always welcome back home is the best thing you can do for them. By ensuring that they know there isn’t any shame in coming home, they can face the future with strength.

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Today’s guest post is from Hayden Stewart, a contributing author and media specialist for MyKlovr. He regularly produces a variety of content centered around the transitional obstacles that come from students moving from high school to college life and how to succeed once there.

 

Why Parents Should Attend Orientation

orientation

If you have a soon-to-be college freshman in the fall, this summer is going to be a very busy time for you. Apart from trying to squeeze in every moment for memories, hugs and quality time, you will be making preparations for the move to college in the fall.

One of the most important planning events for you and your student’s success and transition, is new student orientation.

New student orientation is one event at college neither you nor your student should miss.

Parents learn valuable information at college orientation and students make much-needed connections with other students. Orientation will help your student ease into college life and help you cope as they make the move from home to independent living.

It is an exciting time for the entire family when a child goes off to college. It’s not only a transition from one phase of education to the next, but the beginning of your child’s first years away from home. This also means, in many cases, the parents’ first years with a child away or even an empty nest. Although many parents breathe a sigh of relief that the long journey to getting accepted to college is finally over, many need a little guidance on how to deal with this important next step.

New student orientation can provide some of that guidance, as well as help you understand what college life will be like for your student and what life away from home will look like.

Read all about new student orientation, what to know about parent orientation, and what to do if the college doesn’t offer a separate orientation for students from an article I wrote for TeenLife Magazine.

Dealing with Senioritis (The College Dream Killer)

 

senioritis

Senioritis. Yes. It’s a word (and a disease). It hits most seniors the last semester of high school. It usually strikes after all their college applications are completed and submitted, and grabs total hold after they have received offers of admission. Senioritis says, “The year is almost over. I’ve been accepted to college. It’s time to take it easy and P-A-R-T-Y!” It is no respecter of persons and hits almost every senior at some point after they return from winter break.

What should you look for?

When senioritis begins, you might not notice the symptoms. It could be an unusually low grade on a test. Or you might notice she is studying less and less, with a complete lack of motivation. More severe symptoms include skipping class, a major drop in grades, and often accompanied by an “I don’t care” attitude. More so than your typical teenage defiance and resistance.

Why is it “deadly”?

Senioritis can “kill” your student’s dream of college. The colleges that offer admission are closely watching your student to see if she continues to excel until the end of her senior year. A drop in grades or even disciplinary action can be a red flag, signaling to colleges that your student isn’t ready to be on their own and handle the rigors of a college education. If she can’t commit and stay the course with all the adult supervision around her, how will she stay the course in college without anything except self-motivation?

Colleges have been known to withdraw offers of admission if a student exhibits any of these signs during the final months of high school. Hence, senioritis can KILL you student’s dream of college.

What is the cure?

A reality check. If you see signs of senioritis setting in, it’s time for a cold, hard conversation. Lay it all out on the table. Explain that colleges are watching. She won’t get a second chance. Once the offer is pulled, it’s pulled, for someone else who is committed. It’s a harsh reality check for most students, but one that needs to be made clear. The final months of senior year are just as important as the previous ones. Your student needs to keep her eye on the prize and realize once she walks across that stage with her diploma in hand, she can take a deep sigh of relief and spend the entire summer relaxing. Not until then, and only then, can she rest on her laurels.

Using Statistics to Find Your College Fit

 

statistics

You might be surprised to know that in addition to all the factors students use to choose a college, there is one they might overlook: statistics. While location, major, campus appeal, and others are certainly important statistics will help you and your student make a more informed college choice.

Why statistics? Statistics will help you determine some of the key factors involved in choosing a college. With statistics you increase the odds of your student being accepted, receiving more financial aid, and graduating on time. You can also determine the class sizes, the freshman retention rate and the odds of finding a job after graduation.

Two good sources for college statistics are College Navigator and College Data. These two resources will help you make an informed college choice. Numbers aren’t everything, but consider these eight important stats when you and your student are looking at schools:

  1. Rankings (simply as a baseline for comparison)
  2. Financial aid percentages
  3. Acceptance rates
  4. Student-to-professor ratios
  5. Freshman retention rates
  6. Graduation rates
  7. Student indebtedness
  8. Percentage of student who are employed after graduation

For an in-depth review of each statistic and what they mean, read my original article at TeenLife Magazine: 8 College Stats That Will Help You Find the Right School.

Should Your Student Work With a Professional Test Prep Tutor?

 

professional test prep

Should your student work with a professional test prep tutor? Bobby Hood, of Noodle Pros, says YES! 

Bobby has been tutoring professionally for 7 years. He is a member of the Triple Nine Society, an association of individuals with IQ scores above the 99.9th percentile. After graduating high school as valedictorian with an SAT score of 800 Math and 790 Verbal, he attended Texas Christian University on a full-tuition scholarship.

Before he began tutoring, Bobby had two prior careers as a CPA and attorney respectively. Bobby worked as a CPA for two years before attending The University of Texas School of Law.

After 10 years of practicing law, Bobby returned to his love of teaching and began tutoring students. He tutors the SAT, ACT, LSAT, GMAT, GRE, GRE, and MCAT CARS.

I spoke with Bobby about why he tutors, how to prep for the SAT or ACT, when to start studying, and the advantages of working with a professional test prep tutor.

1. After 7 years, why do you still do it?

When I worked as a CPA and as an attorney, I never felt like I was actually helping make a positive difference in the world. Now I make a difference in students’ lives every single day. It’s rewarding and affirming, and it never gets boring, because every student is different.

2. A course and/or many tutors would be a lot cheaper, why should students not take a course? Why work with a super-tutor?

Most courses are designed with a “one-size-fits-all” approach; generally, test prep courses are geared toward students who are scoring below or near the median. A student at that level may benefit greatly from starting with a course or other prep material in order to master the underlying content needed to earn a high score on the test. However, in order to move significantly above the median (say, above the 84th percentile or so), a student will need to focus on the patterns of the test in a very individualized way.

Today’s students generally have very busy schedules, and need to balance test preparation with studying for challenging AP courses and participating in extracurricular activities and organizations. Individual attention from a tutor with a great deal of experience in adjusting the preparation to the needs of the student can in most cases result in the highest improvements quite efficiently, allowing the student to focus on all of those other important facets of the high school experience.

3. What are three things that all students can do that will improve their scores?

  1. Focus on the fact that your past educational background has already prepared you to answer most or all of the test’s questions correctly, as long as you know the patterns of the questions and the proper way to approach them.
  2.  Take the test in a mindful, deliberate manner, choosing to work the questions and passages that will be easiest for you first. Save the questions that require the most work until the end, when you can focus on them without worrying about other remaining questions. In the end, the test is more a test of your attitude and approach than it is of knowledge or ability.
  3.  Practice intelligently. Learn the strategies, then take a practice test under timed conditions and apply those strategies. Spend at least half as much time reviewing the test as you did taking it. What questions did you miss or spend too much time on? How can you change your approach to similar questions in the future?

4. What should people look for in a good tutor?

Good tutors are flexible and will take the time to explain how they will approach the tutoring and how it will apply to your student. If a tutor is not responsive to questions up front, then the tutor is not likely to do a good job of communicating with you or the student as the tutorial progresses.

5. What happens if you are just not a good test taker?

Almost every student describes himself or herself as “not a good test taker”, and this is almost never true. Standardized tests are designed to make students feel like they are not good test takers; the primary goal of my tutoring is to disabuse students of this notion, and help them realize that once they know the patterns of the test, they will gain the confidence that they are just as good at test-taking as they are talented in other endeavors of their life.

6. How many times should you take the ACT/SAT?

As part of your preparation, you should take practice tests until you are consistently earning a score that you would be happy with and that represents your skills and background appropriately. Once you are consistently achieving those scores on practice tests, you should take the actual test and look to achieve a similar (or higher) score. Of course, anyone can have an off day, so you might need to take it multiple times to get the score you’re looking for. That said, once you’ve earned the score you want, there’s no need to continue.

7. How early should you start preparing?

Trigonometry is the highest level of math tested on both the SAT and the ACT. So, you can begin as soon as you have learned Trig (generally, at the end of Algebra II). You can begin earlier if you like, but you won’t be prepared to earn the highest possible score until you have gotten through Trig.

The best way to decide when to start preparing is to work backwards from your goal. Since you would prefer to spend the summer before Senior year visiting colleges and preparing your college application, you should have your scores in hand by the June tests of Junior year at the latest. Therefore, you should start your preparation in the Spring of Junior year at the latest, or earlier if possible. Sophomore year is usually a bit early to begin preparing, but not out of the question if the student is already taking Algebra II.

If there is any chance that the student will be a contender for National Merit Finalist status, then preparation should begin in the summer before Junior year, leading up to the PSAT/NMSQT test in October of Junior year, since that is the test that is used to determine National Merit Finalist awards.

8. What is important about practice tests?

Practice tests are the only way to realistically assess whether you are prepared to take the actual test. It’s important to take practice tests under timed conditions and in surroundings that best approximate the actual test. Many students mistakenly focus only on whether they are capable of answering questions correctly, when the important question is whether they are able to answer questions correctly under the time pressure of the test.

9. When should students stop worrying about their score?

You should never begin worrying about your score. Think about it this way: there are questions on the test that, based on your past educational background, you are “supposed to get right.” There are also questions on the test that you are not supposed to get right. Your goal is to use strategies to make sure that you approach the test in the right way and get right all of those questions that you’re supposed to get right, instead of rushing through the test and making errors on lots of questions.

If you do that, then you should be proud of your score, because it properly represents you and your educational experience. Now, if the strategies also help you get some of those questions that you WEREN’T supposed to get right, well… that’s a nice bonus.

10. Many students say they insist on in-person tutoring versus online tutoring, what do you say to that?

In my experience, online tutoring is substantially more effective than in-person tutoring. It sounds counter-intuitive, since effective online tutoring has only been possible for a few years now. However, it fits with the way today’s students tend to learn. I began to notice in recent years that students in a classroom will often take a photo of problems worked on the board in a classroom, and then refer back to that photo later when studying. In online tutoring, everything we do – every strategy I teach – is written on the whiteboard and you save it at the end as a PDF file.

When tutoring is face-to-face, you have to divide your attention between listening to what I’m saying, looking at what I’m writing down, and taking notes for future reference. This slows things down and leads to less comprehension. In online tutoring, we discuss and work through problems together, and everything goes onto the whiteboard for your own future reference. You really have to try it to see how amazing it is. Many students have mentioned to me after their first sessions that they were not expecting it to be so effective, and generally they leave the sessions enthusiastic to continue the tutoring.

11. Are you just teaching test strategy tricks or are you really teaching a student how to read or do math?

I’m definitely not teaching you to read or to do math. However, I’m definitely teaching you how to read well and how to do math well. In other words, tutoring is all about learning how to think critically: to note the way questions and answers are worded, and what that tells you about how to approach the problem, and what answers to eliminate before you fall into a trap. These critical thinking skills don’t just improve your scores on the test; they will make every test you ever take easier, and probably make you much better at reading college textbooks for your courses in a more engaged and efficient manner.

12. What are some good resources that are available to all students?

A student who is at or below the median test score probably needs to do work to get the basic content down. Khan Academy is an excellent free source that can help students learn and practice basic content. However, don’t make the mistake of thinking that Khan Academy teaches test strategy. Khan Academy is the free starting point for mastering content areas that you are weak in; after that, move on to actual test strategies.

For test strategies, the books Cracking the ACT and Cracking the SAT by The Princeton Review are excellent resources to start with. Learn the strategies, and then practice applying them on actual ACT and SAT tests. For the ACT, the Real ACT Prep Guide is the only approved source of actual ACT tests. For the SAT, use the actual SAT practice tests on the College Board and Khan Academy sites – but focus on tests 5, 6, 7, and 8, which are actual real SATs that were released as practice tests after being administered.

13. Is there a moment or a story you can think of that has had a large impact on your career as a tutor?

One of my former ACT students returned four years later to prepare for the MCAT. He told me that the critical thinking skills he had learned while tutoring with me had helped him study in college efficiently and do very well on the demanding pre-med curriculum. At that point it hit home to me that tutoring isn’t just about taking one test, but instead is about a mindful approach to learning that applies throughout your lifetime. It’s really helped me to appreciate how important attitude and critical thinking are not just for standardized tests, but for approaching life in general.

14. If you knew then what you know now, what would you do differently on the ACT or SAT?

Haha well… I used Cracking the SAT and Cracking the ACT to prepare, even way back then, and I only missed the perfect score on each test by one question. So I wouldn’t do anything differently on the tests themselves, but perhaps I would rather have realized much earlier that my passion in life is teaching and tutoring.

This is a sponsored post and I have received compensation for this interview.

 

6 Ways to Prepare Your Child for College

 

college

Going to college is a huge milestone. It is a proud moment but it can be emotional and overwhelming at the same time. Therefore, you must prepare your child before they step inside those college gates.

Here are 6 ways you can prepare your child early for college.

Understand their Passions and Interests

Learning new things is more fun when kids are interested in them. Find out what your child is interested in and where their passions lie, even if they don’t necessarily fall within the realm of academics. It can be sports, drama, writing, etc.

For example, if the child is interested in sports, they can learn about the origin of a certain sport, evolution of the sport through history, etc. This will keep your child engaged and make learning more fun. Once they are clear what their passions and interests are, they can have a better understanding of which courses to pursue in college. Even if your child opts for online education, there are numerous opportunities to pursue the courses that interest them.

Prepare for College – Academically

Start preparing for college academics from junior high and high school itself. Some of the many ways your child can prepare for college include taking college-level courses and standardized tests as early as possible. This will help them enter college with more confidence.

Prepare for College – Financially

A college education is expensive, which is why you must be financially prepared for it when the time comes. The costs include tuition, course expenses, accommodation fees, personal expenses, etc. Start saving early and invest in saving accounts that offer tax benefits. It is also important that you keep an eye on the different scholarships that your child can apply for.

You can also consider online college education as an alternative instead of traditional college for your children. It is a popular, convenient and more affordable option as compared to traditional college.

Help Them Understand the Importance of College

The attitude of children towards higher education depends on the attitude of the parents. If you emphasize the importance of higher education, your child will take it seriously and focus on it through school and college. Start communicating the importance of higher education while they are still in school.

Teach Good Financial Habits

It is important to ensure that your child’s grades stay up and that they are focused on their academics, but it is equally important that they learn about work ethic and finance management early on. Encourage them to have a part-time job, about 10 hours a week, as it can help them increase productivity, learn time management, leadership and organizational skills. Teach them to be responsible about spending or saving their earnings. This will help them when they are in college.

Set a budget in high school and get them a checking account. Teach them to make smart financial decisions and ensure they know about credit card and debt early. If they plan to have a credit card, teach them to pay off the card each month and to only use it in emergency situations.

Expose them to Online College Courses

It would be a good idea to enroll your child in online courses while they are still in high school. This helps in saving money as the courses are inexpensive as compared to the college fee and your children can transition easily into college. Ensure that the colleges your child is considering applying to accept the coursework and find out what the basis of acceptance are (e.g., a minimum grade).

College is a great experience, so make sure your child is prepared for it, and is confident about treading that path.

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About Author: Making education simple and easy to comprehend is Dana Jandhyala’s forte. She’s had a long career as an educator where she has taught in several different schools and institutes in multiple countries. Today, she helps students with personalized online tutorials by SchoolPage that help make concepts easy to understand, making learning fast and fun. She writes to help student s study better, and to coach parents so they can facilitate the success of their children. 

College Launch Day – 5 LIVE Free Events for Parents and Students

college launch day

GOING TO COLLEGE?
HAVE A CHILD GOING TO COLLEGE?  

Join Harlan Cohen, author of The Naked Roommate, for COLLEGE LAUNCH DAY on AUGUST 10th!  This jam-packed day features 5 LIVE FREE EVENTS addressing everything students & parents need to know about life in college.  WATCH LIVE or WATCH THE REPLAYS available August 11-13 (until midnight 8/13) . Sign up for ALL the events you’d like to attend (no limits!). Click on the registration links below. Parents are encouraged to attend ALL events.

Event #1 | FINANCES | 12 pm CST |
Register
7 MONEY MUST DOs for College Students & Parents 
Save more, spend less, and avoid future financial surprises

Event #2 | PARENTING | 2 pm CST
Register5 Simple Rules For College Parents
How to help you and your child during the college years

Event #3 | LEADERSHIP | 4 pm CST
Register: Dream It, Believe It, Make It Happen in College 
5 steps to get define what you want and get it (with grit & resilience)

Event #4 | COLLEGE LIFE | 6 pm CST
Register: 
17 Things You NEED to Do Before Going to College
What you need to prepare & navigate the HUGE changes ahead. VITAL info.

Event #5 | HEALTH & WELLNESS | 8 pm CST
Register: College After Dark
Dating, Relationships, Hooking up, Alcohol, Consent, and Staying Safe

Want 24/7 access to all the events after August 13th? 
Sign up for a BEST FIRST YEAR ALL-ACCESS PASS and download ALL the replays, attend a live online Q&A session hosted by Harlan, and get bonus content (20+ videos, roommate contract, workbook exercises, valuable resources).

7 Tips for Summer SAT Prep

 

summer sat prep

 

As the school year is over and the final examination grades are being compiled across the nation. Many students and parents are brainstorming different ways of squeezing in some test prep time over the summer.  If that’s not you yet, don’t worry! Here are 7 actionable tips you can use to help your child on their way to SAT success!

It’s best to start test prep during the summer and make it a habit for when it’s really needed. During this time of the year, students are more relaxed, and are less consumed by class schedules, social protocol, and extra curricular activities. 

Parents of students who are set to attend college and are serious about scholarships should take advantage of this time to prepare adequately for SAT examinations. Test preparation is best started early to give students the best shot at a good SAT score and a place at their first choice college. Starting now builds up the habit in time for the start of a new school year.

  1. Make it a habit!  Your child should make it a habit of dedicating an amount of time each week practicing questions they find hard. This could be 1-2 hours, once or twice a week, so long as it is consistent.  This time doesn’t have to be all in one go, in fact most people work best and retain more information in short bursts of up to 20 minutes.
  2. Set achievable goals.  Every student should have an SAT score in mind.  Set a goal for what kind of test score your child needs to get into their college of your choice.  It doesn’t hurt to aim a little higher either.
  3. Choose the right type of test prep; Every student learns differently, some require more guidance than others.  When it comes to SAT prep there is something for everyone, including: local classes, online courses, student forums, Youtube videos, printable practice tests and a whole lot more.
  4. Learn visually; with vocabulary cartoons, SAT crosswords, Flocabulary (hip-hop music that boosts vocabulary), yes that’s a thing! Or even the Kaplan SAT/ACT Score-Raising Manga Series. There are many other unique resources, as well. Reading will help students with the SAT’s vocabulary and writing components.
  5. Get help from tutors. SAT tutors usually have firsthand experience with the SAT test and what it takes to achieve a high score.  They can help identify your child’s individual strengths and weaknesses, and work precisely on the areas that help them to achieve their desired SAT score.  Seeing a tutor over the summer gives students more time to dedicate to the areas they struggle with most.
  6. Practice makes perfect. Each time you take a practice test, more and more questions will seem easy to you.  As you begin to collect these questions you answer right, without fail, work these easier questions into your daily review habit.  Spend 20 minutes, twice per day reviewing each question.  Do easy question reviews at least three days per week.
  7. Study the answers that matter most.  Make sure your child spends time working on questions they find hardest.  It is best to use the longer time period to focus on these areas, than to rush them at the end. Study the explanations until they are understood.  If you have questions, be sure to ask someone.

Ultimately, it’s never too early for students to start preparing for the SAT.  Having more time will mean that your child is less stressed and more familiar with the SAT come test time. Cramming at the last minute rarely sees positive results.  Summer SAT prep doesn’t have to be all consuming, any amount of regular study, however small can prove beneficial.

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Today’s guest post is from James Maroney, the founder of First Choice College Placement, a test preparation center based in Milford, CT.  Since 1999 James has traveled the country helping students to prepare for the SAT and ACT tests and gain a place at their first choice college.

Parents, Money and Minors: Credit, Cash and Your College Bound Kid

 

money

Getting your kids through college is always going to be a financial challenge for many parents and there are plenty of decisions that have to be made about how much monetary support you should provide and when they need to take up the slack.

Here is a look at some of the answers to those vital questions, with insights on potential solutions and tips on how to decide what level of support you can and should provide to them when they heading off to college. Plus some tips on getting financial help and why you need to try and protect your credit score.

Student life on credit

One of the best lessons to teach your kids before they are college bound is to try and instill some financial discipline into them so that they understand the need for budgeting and how to make their money stretch as far as possible.

That is going to be important during their time at college when there will be plenty of legitimate expenses to deal with, and some spending like funding their social life, that will all need to come out of the one pot of cash available.

If you are considering the idea of a credit card as a funding idea, you have two options available.

You can either suggest they apply for a card in their own name if they can get accepted, or you could agree to add them as an authorized user on one of your own existing cards. It might also be possible to agree to co-sign on a student card, which means you are going to be equally responsible for the debt accrued on that card.

Talk to your kids about building a credit history and the responsibilities of paying off the balance, especially when you consider how long it will take to repay the balance if you only make the minimum payment each month.

If you want to learn more about managing your credit card balances you can visit Consolidation.CreditCard.

Reckless habits will carry consequences

If your kid is college bound they should be more than ready to take on the responsibility of managing credit and also understand the ramifications both now and in the future if they manage to get themselves into debt.

A good credit history has always been important and it opens doors to the sort of finance you need to get on in life, such as getting a mortgage to buy a home. Want you don’t want then to do is run up debts at college that they can’t deal with, leaving their credit score damaged and their immediate financial prospects looking a lot less positive.

Get help

There are no two ways about it, getting your child through college is an expensive business, which is why it makes sense to see if you can get some financial help to make things a little easier.

The Free Application for Federal Student Aid (FAFSA) will help you to determine how much financial aid you should be able to claim.

It might prove an arduous task filling in the paperwork, but it is an important document and the money you get could make all the difference to your family finances.

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Today’s guest post is from Anthony Farmer. He writes about finances and kids; saving for them, teaching them the value of money as well as real life skills they need. He is a Dad and an educator who writes for a range of parenting sites.