How To Survive College

college

Many students struggle in the first few weeks and months at their new college, and if that’s something that you’re experiencing at the moment, you’ll want to move past that phase as quickly as possible. So what can you do to settle at college more quickly? That’s what we’re going to explore now, so if you’re looking for answers, you’re in the right place. Read on to find out more.

Make Like-Minded Friends

First of all, you should think about how you can meet new people and make new friends. That’s what college is all about, and making like-minded friends who you have things in common with will make you feel much more settled in your new environment. It gives you people to discuss things with and to support you with any struggles you might be having.

Join Clubs and Organizations

If you haven’t done so already, you should definitely try to join clubs and organizations that are operating in your college. This is a great way to meet new people and find new interests as well. You can explore a range of clubs and societies until you find the ones that offer the most to you in terms of hobbies, activities and social opportunities. All of those things matter a great deal.

Embrace the College Culture

Embracing the culture of the college and really throwing yourself into everything that the college stands for is key. You can visit the school spirit shop, rep the merchandise and be proud of the fact that you’re studying at your college. When you feel invested in the institution itself, you’ll find it easier to settle because you’ll feel at home at your new college.

Find Time to Study

Of course, you’re going to need to find time to study as well. When you’re at college, you need to focus on the academic stuff as well. This matters because you’ll find it even more stressful and even more difficult to settle if you start to fall behind with your course and your studies. That’s not what you want to happen, so make sure that you find or create the time to study and keep up with any necessary reading.

Establish Healthy Routines

Routines are really key when you’re at college, and they’re vital when you’re trying to adapt to a new situation or environment too. So, take the time to create and establish some healthy routines that you can stick to going forward. That will provide you with structure, and that’ll definitely assist with your efforts to settle and feel more at home in your new surroundings.

Settling in college when it’s all brand new to you can be pretty tough, but it can be done. Even if you’ve been struggling to settle, with the right steps and a little time, you’ll be able to feel at home. Make the most of the advice above and make the most of your college experience.

Applying to College: Rolling Admissions

rolling admissions

There are hundreds of colleges who are open to late applicants. There are also colleges who have a rolling admissions policy—apply anytime for admission.

In addition, The National Association for College Admission Counseling publishes their College Openings Update list in May after the decision deadline. Using the list, you can search for member colleges and universities- both public and private- that are still accepting applications.

What is rolling admissions?

Rolling admission is an application option that allows you to apply within a window of time. This window usually opens up in the fall, commonly September 1, and lasts through the spring, or until all spots in the upcoming class have been filled.

About 1/3 of National Universities – schools that offer bachelor’s, master’s and doctoral degrees and that typically produce influential academic research – offer rolling admissions.

A potential point of confusion for students is the priority application date set by most colleges that offer rolling admissions. While many undergraduate institutions recommend that prospective students submit their materials by the priority date to have the best chance of admission, unlike with a fixed deadline, applications will still be accepted after this time.

Apply Today & Don’t Delay

Because housing and financial aid are in limited quantities, it’s important for students to move fast. Once the college’s aid is dispersed, there is no money available. Once student housing is filled, colleges will only be accepting local applicants who can commute.

Even though space is available now, when it’s filled, it’s filled. Even those colleges with “rolling” admissions eventually fill their seats.

Check With Individual Colleges

After reviewing the list of openings, check online with each individual school to see if they are still accepting applications. If necessary, speak with an admissions officer and discuss what options are still available. Once you speak with admissions, talk to financial aid about any type of merit aid that could still be available.

Other Ways to Check Available Openings

Here are a few ways you can also check for available openings:

  • You can look on the Common Application website, click on the Member Colleges tab at the top, search for colleges, and input the data regarding the deadlines. Choose Spring 2021 and Other 2021 and it will provide you with a list of colleges still accepting applications.
  • You can also search on the Universal College Application site by clicking on the Fall 2020 link to find a list of colleges that are accepting late applications or have rolling admission policies.
  • The College Board’s Big Future site allows you to do the same type of search but requires additional input to narrow down your search. Once your search is narrowed, you can click on the Application Deadline and see an extensive list of colleges with their deadlines posted. They are listed by date and start with January, so you will have to go to the end pages to find the schools with late deadlines and no deadlines.
  • Check out this list from PrepScholar of colleges that have rolling admissions.

Applying to College: Regular Decision (RD)

regular decision

The majority of students submit their college application for Regular Decision. Students can apply to as many colleges as they cho­­ose for Regular Decision, keeping in mind that each application adds to the overall workload and application fees to multiple colleges can be costly. Don’t sacrifice quality for quantity in the application process.

Every school you apply to will have Regular Decision as an option. Students applying RD will generally turn in their applications between mid-December through mid-January and hear back regarding their admissions status by March or April. Although the majority of schools set January 1st as their RD deadline, many other schools will have you turn in your application on January 15th, February 1st, or even at an earlier date, such as December 1. Because of the varying deadlines, it’s important to keep track of each college’s deadline.

One of the greatest detriments to applying Regular Decision is waiting to hear back from the college until March or April. Your friends may have applied ED or EA and you will still be unsure of where you are going to college. Waiting is hard, but if you were undecided when you he , you have had that extra time to make up your mind. This will help since the May 1 decision deadline will be close to the time you hear back from the colleges.

Another downside would be that your student will be part of a large applicant pool and standing out is critical. Be sure he or she is at the top of the applicant pool (you can check applicant stats on College Navigator or College Data) so they will rise to the top.

Why should your student apply Regular Decision?

There are several reasons why a student may opt to apply Regular Decision. Here are just a few:

If your student’s grades need improvement

Grades are a crucial part of your student’s application. A strong GPA junior year will ensure your student is competitive with other applicants. If he struggled during junior year, applying RD gives him the opportunity to show an upward trend in his grades during the fall semester which will bode favorably with admissions. Those extra few months could push him over the top in the applicant pool.

If your student hasn’t had time (or the opportunity) to visit

Applying to a college without visiting could be a waste of time. Although many campuses have squelched actual visits, students should make an effort to at least set foot on campus. If the college is open for visits, it’s a good way to demonstrate interest. In-person visits are a good way to get a “feel” for the campus and students. Many colleges have been crossed off the list simply because they just didn’t “feel” right.

If your student hasn’t started on their application

The college application requires time and effort. Waiting until the week before the ED or EA deadline is a bad idea. Rather than rushing to get the application in, it’s better to wait and dedicate the time to submitting a stellar application that will stand out among applicants.

If your student isn’t 100% sure of their top-choice

Applying RD gives your student time to consider all aspects of each college is they aren’t completely sure of where they want to attend. ED and EA applications are usually reserved for the student who has already made their college choice and wants to get into their top choice school.

If your student needs financial aid

Applying EA and RD allows your student to compare financial aid offers. As the offers of admission come in, so will the financial aid package. You and your student can take the time to evaluate the offers and choose the college that is the best financial fit. Applying ED locks you into a decision and if the financial aid is insufficient, your decision is binding. It may force you into taking on more debt than you are comfortable with.

Applying to College: Early Action (EA)

early action

If after reading all the stipulations for Early Decision (ED) applicants, your student may want to consider Early Action (EA). Schools generally only offer Early Decision or Early Action—not both.

The most common EA deadline is November 1; however, some colleges have EA deadlines in October. Decisions on EA applications are usually posted in mid-December. Students can apply to multiple colleges/universities that offer Early Action. EA deadlines are non-binding, meaning that if you are admitted to an institution Early Action, you are not obligated to enroll.

Early Action (EA)

Colleges that offer this option promise a quick response if you submit a completed application by their early deadline. Students admitted EA don’t have to promise to attend the college; they just want to hear back sooner than usual. Students can apply as EA candidates to several colleges at the same time, as long as they are submitting a quality application that didn’t get thrown together at the last minute.

Restricted Early Action (REA)

Sometimes known as Early Action Single Choice, REA works much like Early Action, but the student is limited in the number of other colleges where they can submit early applications — and that number is often zero. Colleges do this for a number of reasons, but they most often want the student to show a special commitment to their college without having to promise to go there. This can reduce the number of students who apply early who aren’t really thinking about why the college is right for them , and still reward the students who feel a special bond to the school.

Priority Deadline

Priority is often misinterpreted as just another name for Early Action. While Priority deadlines can be similar in timing to other early deadlines, they are not the same. Institutions that utilize Priority give the most consideration to applications received by this deadline. It is in a student’s best interest to apply by a Priority deadline when offered.

Why apply EA?

If your student is ready and has their college choice or choices locked in, applying Early Action would be a good choice if you need financial aid. Since none of these acceptances are binding, your student will have time to compare financial aid offers before the May 1 decision deadline. 

Be sure to double check with the college and verify the early application deadline. In addition, make sure your student submits a strong application and not just one thrown together to make the deadline.

Applying to College: Early Decision (ED)

This week, I’m going to discuss the different ways students can apply to college. Each has its benefits and its negative aspects. If your student is trying to decide when to apply, these articles should help.

early decision

Early Decision has become more and more popular among students applying to college. A vast majority of students are opting to apply Early Decision to their first-choice colleges in order to get an answer before Jan. 1, rather than waiting for the regular college application cycle in the spring. Not every college offers that option, you can see the complete list here: Early Decision Schools: Complete List of ED Colleges.

Early Decision (ED) is the most restrictive of the early deadlines, Early Decision is a binding agreement between the student and the institution, meaning that a student must enroll if offered admission. The key point to remember is that a student may apply to only one college ED. If you are admitted ED, throw confetti in the air and buy your college sweatshirt! Your college process is done. Some colleges also offer Early Decision II, which typically has a January deadline. If you were denied or deferred from one college in the first round of ED, you can apply to another college via EDII.

What are the deadlines for Early Decision?

Early Decision application deadlines are usually prior to Nov. 1. The deadlines for Early Decision II and regular decision are usually Jan. 1. Decisions for Early Decision applications usually arrive the middle of December. EDII decisions are usually received by the middle of February. Regular decisions usually arrive mid-March.

Why would students choose Early Decision?

Students who have made the decision to pursue one dream college should consider applying Early Decision. If they do, they will know before winter break if they have been offered admission. It’s a huge stress reliever that allows the student to enjoy the remaining months of senior year knowing a college decision is locked in.

And, if you apply Early Decision, your college application will be at the top of the stack and will precede regular decision applicants, giving you an early advantage.

Early Decision students have a significant admission advantage at many colleges. You can check out how much by visiting the college’s page at the College Data website. For instance, overall, 23 percent of Bates College applicants were admitted. But, when you look at the Early Decision applications, 50 percent of those applicants were admitted.

What are the risks to applying Early Decision?

The downside to applying Early Decision is financial. Parents and students will not have the option to compare financial aid packages from multiple colleges. Early Decision applicants could miss out on scholarship and merit aid opportunities at other colleges. Applying Early Decision doesn’t assure a generous financial aid package – and the decision is binding.

If you can’t afford to pay the tuition at the college of choice, it might be better to opt for an Early Action or regular decision application. Neither of these are binding and you can compare financial aid packages before accepting an offer of admission.

What happens when an Early Decision student is deferred?

Being deferred means a school is still interested in a student and will review the application again with the regular decision applicants. The odds of being admitted from a deferral are slim, however. It might be time for your student to move on to other college choices and start those applications.

What is Early Decision II?

A few colleges also offer ED II. Students who apply using this option can apply in early January and receive a binding offer of admission by February. The application deadline for this option is the same as for regular decision applicants, but these students receive word on admittance sooner and must commit upon acceptance.

Does Early Decision mean an easier senior year?

Being accepted early does not mean a student can skate through senior year. Students who apply Early Decision will still be held to the standard of academics under which they were accepted. Since most Early Decision applications submit junior year grades, colleges will require a final senior year transcript. If the grades don’t measure up to the year’s previous grades and/or fall short of the college’s academic requirements, a college can rescind its offer of admission.

The College List: 5 Steps to the Perfect List

college list

Whether your student is a freshman or entering the last semester of their junior year, you should be looking ahead towards graduation. The first, and obvious question, should be—what’s next? What will your student do after high school? Will they enter the job market, take a gap year off to decide, enter the military, or will college be their next step?

If college is in their future, the college list should be a priority. All decisions, goals and pursuits will be geared toward receiving an offer of admission from those colleges on that list. Those colleges should be chosen with much thought and planning. Your student’s goal is to first be offered admission, and secondly be awarded aid that will pay for the education.

In order to craft a great college list, you and your student must keep an open mind. With over 4000 institutions of higher learning in this country alone, the obvious choices are not necessarily the best ones. Before you haphazardly throw some names onto the list, follow these simple steps:

Step 1: Look at the statistics and rise to the top

The best college is the college that fits your student’s academic and social needs, and at the same time is affordable. The last thing you want is for your student to graduate with debt; and the best way to guarantee the most merit aid is to apply to a college where your student is at the top of the applicant pool. If your student’s grades, scores, and extracurriculars exceed those of the average applicant, a college will be more likely to entice him with merit aid (scholarships and grants).

How do you know where your student falls in the applicant pool? Use sites like College Navigator and College Data to compare your student with current students. Look at the figures for admitted students: what is the average test score, what is the average GPA, how much weight do they place on extracurriculars? If your student’s statistics are above these average amounts, the college will consider them a highly desirable applicant.

Step 2: Consider the unknowns

Most students gravitate toward the known colleges—those with national or state recognition. But there are so many excellent colleges within each state that go unnoticed. These are often smaller private colleges offering excellent liberal arts educations. These colleges have alumni that support them and often provide continued support—translating into scholarships and grants to new students. The larger state university may appear cheaper based on tuition, but the smaller private college will often award more merit aid to entice students.

I recommend parents encourage their students to look into the College That Change Lives . These colleges are built on the premise of “building the knowledge, character and values of young people by introducing them to a personalized and transformative collegiate experience.” Also consider technical colleges like Penn College that combine a liberal arts education with hands-on career training.

Here are some other links to research:

13 of the Most Unique Colleges in America

50 Most Underrated Colleges in America

50 Underrated Colleges Doing Great Things

Step 3: It’s all about the numbers

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

Step 4: Let the money do the talking

There’s no point in adding a college to the list if it’s unaffordable. Your student will be disappointed if offered admission and the cost makes it impossible for them to attend. Before applying, research the financial aid footprint of every single college on the list. How much aid do they typically give? How much debt does the average student graduate with? Use their net price calculator and determine what it will cost to attend there before applying. If your student is offered admission, there will be no surprises and disappointment if you do your due diligence before the application process begins.

Colleges offering small percentages of financial aid in the form of scholarships and grants should only be considered if you can pay or your student makes applying to scholarships a priority. You can’t count on scholarships or grants, but your student can certainly do everything to position themselves at the top of the applicant pool to receive them.

Step 5: Do a side-by-side comparison

How do you compare colleges once you have a solid list? Your student should develop their own rankings based on their personal choices and priorities. These items might include the obvious items like academics and location, to such unconventional items like Greek life and campus appearance. List all the items on a chart, giving each item a plus (+) or a minus (-) and tally up the scores. The colleges with the highest scores should make the final list. Colleges with lower scores might not make the list or need further evaluation.

By following these five steps, your student can create a strong college list of colleges that fit them academically, socially and financially. You might discover some hidden gems while navigating the search, just as my daughter did (and fell in love!).

The College List: 10 Choice Criteria

10 choice criteria

There are over 4000 four-year colleges in the United States and another 1900 community colleges. Choosing a college can be overwhelming if you don’t narrow down the choices with this simple list of basic criteria. Once you’ve narrowed down the college list, you can get more selective and specific with your final choices.

Here is a list of 10 choice criteria to consider:

  • Your study preferences—Are they more comfortable in a structured class or do you excel doing independent study? Do you require academic challenge or prefer in-class time with little or no additional study?
  • Money—Your budget plays a huge factor in the decision process. If your budget is tight, will you consider student loans? And if so, will an expensive private university be worth the debt?
  • Size—Do you want small class size or does it matter? Does being part of a large student body appeal to you or would they prefer a small college atmosphere?
  • Location—Do you want to go away to college or stay close by so you can live at home? Are you looking for a cultural experience that a big city offers or a down home experience provided by a small town college?
  • Extracurriculars—Are you set on joining a sorority or a fraternity? Are these offered at the colleges you are considering? Are there other activities that you feel are crucial to having a positive college experience (i.e. working on a campus newspaper, participating in intramural sports, studying abroad)?
  • Academics—Is there a specific major you are interested in or will a liberal arts degree do? Not every university offers the same academic disciplines.
  • Career focus—Do you want to study the culinary arts or fashion design? Consider a school that offers these types of specialized degrees.
  • Sports—Does the school have a huge sports program or do sports play little impact in your decision?
  • Competitive vs Non-competitive—Do you have the resume that will ensure acceptance in a competitive college like Stanford or Penn State? Or do you have a strong academic showing that would send you to the top of the list at a non-competitive college and qualify you for a full scholarship?
  • Specialized programs—Do you want to work in the stock market? Does the school offer a trading room? What about internships, undergraduate research, service learning, and even specialized senior capstone projects (integrating and synthesizing what you have learned).

Juniors should be focusing on college visits and start working on their list. Seniors should review this list and prepare to start their college applications.

10 Benefits of a 529 Plan

529 plan

A recent educational survey conducted by T. Rowe Price has revealed that almost 45% of parents who are saving for college are using a normal savings account. Only 31% of parents are using a 529 plan for the college-savings purpose.

The prime reason so fewer people are saving through the 529 plan is people are not aware of the 529 plan. The T. Rowe Price survey has revealed that nearly one-third (28%) of the parents are not aware of what the 529 plan is all about. 

So, if you are one of the 28% people who are still not aware of the benefits you’ll get from the 529 plan then please read the article once.

The 4 Key points of the 529 plan that you should read first

  • The 529 plan helps you to save for the education-related expenses of any student in your family. The education-related expenses include college or post-secondary education, tuition fees for elementary, secondary, and religious schools.
  • The person who opens the 529 account plan is called the ‘Account Holder’ or the saver.
  • The person for whom the 529 account plan is opened is called the ‘Beneficiary’ or the student.
  • The  ‘Account Holder’ or the ‘Beneficiary’ doesn’t need to be two separate persons, there will be nothing illegal if both are the same person.

10 Benefits of a 529 Plan

Now, maybe you are one of those parents who have heard about the 529 plan but do not have any information about it. Below are 10 benefits of a 529 Plan.

1. You will get the benefit of tax while saving money in the 529 account

In many of the US states, you will get a tax deduction or credit for contribution if you save your money in the 529 accounts. Your money will grow on a tax-advantaged basis in the 529 accounts and if you spend the money saved in the 529 accounts, for qualified education expenses then you can withdraw the money in a tax-free way.

2. The 529 plan helps you to reduce the student loan borrowing

It is a concern that the expenses of higher education are increasing every year. You have nowhere to go but to take out the student loan with a high-interest rate. The 529 plan can provide you with adequate support to lessen your dependence on the student loan.

According to student loan experts, there is nothing better option than a 529 plan to reduce your student loan.

“Every dollar you save is about a dollar less you’ll have to borrow…. Saving money for college lets you avoid paying interest on the money you’d otherwise have to borrow.” Mark Kantrowitz, college finance advisor

3. The grandparents can benefit by contributing to the 529 plan of the grandchild

The grandparents can benefit from the significant tax break by contributing to the 529 plan of the grandchild.

If a grandparent owns the 529 plan for the grandchild, it will reduce the potential tax liability of the grandparents.

The grandparents can also get benefit from the state income tax deduction as per their state rule if they contribute to the 529 plan.

4. The 529 plan is good for them who have started contributing in the account a little late

If you open the 529 plan for your child and grandchild when he/she is in middle or high school, it will not be too late.

Even the college savers can also get the benefit by opening the 529 plan a little bit late. According to the Washington Post, around 46% of Americans live in a state which offers state-specific-income-tax benefit for contributing to the 529 plan. The plan can reduce your tax burden.

There are rules in the 529 plan that if you have started late in contributing to the 529 plan and want the asset to grow then you can withdraw the money from the account a little bit late.

5. Your home state-sponsored 529 plan can provide you some additional tax advantages

Almost all the states, in the USA, sponsors the 529 plan for accredited schools in any state. Many US states offer state income tax deduction for residents who are contributing to their home state’s 529 plan.

This is the benefit of contributing to the 529 plan of your home state, it will give you additional tax benefits.

6. The child won’t lose the other financial aids if you contribute to the 529 plan

Many parents fear that opening a 529 plan can force their child to get less federal financial aid. But this is a wrong conception. The 529 savings plan is considered a parental asset. The child will never get less federal financial aid if the parents contribute to the 529 plan.

7. With the 529 plan, both the amount and date of contribution will be in your hand

The advantage of using the 529 plan is you can contribute in the account whatever amount you will be able to contribute and the annual payment date too will be as you choose to pay.

The minimum initial contribution requirement for most of the 529 plans is $25 and the upper limit of contribution is up to you.  Like the contribution amount has no limit, the payment date also is not bound by anything.

Many people prefer to pay a monthly contribution to the 529 plan and others love to pay an annual contribution.

So, you can contribute any amount as you wish and whatever time you may like for contributing the amount.

8. You can have your own choice while selecting a 529 plan

There is a good number of 529 savings plan options available to choose from. If your state is offering a prepaid tuition plan or if you have selected the private college independent 529 plan then you can choose from a wide array of 529 plans.

The selection will give you an advantage if your child prefers to go to a particular type of school.

9. Money withdrawals from the 529 account are both penalty-added and penalty-free

If the student earns a scholarship then the same amount can be withdrawn from the 529 plan without paying any penalty and in tax-free manner.

For any urgent and nonqualified purpose if you need to withdraw money from the 529 accounts then you have to pay the federal income tax and 10% penalty.

However, for any urgent money requirement, you have other ways to obtain the required amount than making non-qualified withdrawals from the 529 plan or by going to the payday lenders.

None of the options will be considered a good decision taken by you. You’ll be penalized for the non-qualified withdrawals from the 529 account or have to make a payday loan debt settlement for repaying the urgent payday loan.

So, use other options if you need money for some urgent purposes.

10. The 529 plan will provide special benefits for students that a traditional savings account cannot give you

To bear the educational expenses, the 529 plan is best in the USA. The problem is parents are not aware of the 529 plan and they cannot differentiate between the 529 plan and the regular savings account, traditional and Roth IRA.

You won’t get any tax benefit for saving your money in the regular savings account, traditional and Roth IRA for educational purposes. You will get the tax benefit only by contributing to the 529 plan. 

So, when you aim to save for education, you should depend only on the 529 plan.

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Today’s guest post is from Phil Bradford, a professional finance writer. You can find more of his articles on the topic of finance at https://community.debtcc.com/User/philbradford91

The College List: 3 Fit Criteria

COLLEGE LIST

All the experts have advice on how many schools to apply to: some say 7, some say 10 and others say the more you apply to the better your chances. For me, the number isn’t as important as the content. A good college list needs to be well thought out and researched.

A good college list should have three “fit” criteria: financial fit, academic fit, and emotional fit. Once your student has a tentative list, ask if they have all three criteria before finalizing the list.

Financial Fit

Does the college fit into your family’s budget? If it doesn’t fit financially, cross it off the list. While you should never consider a college solely based on the sticker price, you should certainly examine what will happen if your student is accepted and doesn’t receive any financial aid. Remember when factoring in   cost, don’t forget about the add-ons. They can add up and have a substantial effect on your budget.

Academic Fit

Does the college fit into your student’s academic aspirations? This might seem like a no-brainer, but the education is a key factor in attending college. Cross the college off the list if it doesn’t fit into your student’s academic learning style. For instance, is your student looking for smaller class sizes and strong relationships with his professors? A larger university won’t offer this.

Emotional fit

Can your student see himself attending college there? When he visited the campus, did it “feel” right and did he have a rapport with the students he came in contact with? You might think college shouldn’t be an emotional decision, but it is. After all, they will be spending at least four years of their lives there. If they don’t fit into the social climate they will be miserable.

Where does your student fit?

Another thing to consider is positioning. Is your student positioned well with the other applicants, especially if you are looking for merit aid. Are their scores, grades, and achievements good enough to put them at the top of the applicant pool?

As you can easily see, there’s more to refining a college list than picking a college with Greek life or college sports rankings. It’s a place your student will call home and he needs to feel comfortable there. Once you’ve determined if the college has all three criteria, add it to the list. It’s a keeper!

Parent Tip Week: Raising an Independent Student

independent student

So much time is spent preparing for the actual college choice and application that very little time and effort goes into prepping for these valuable life skills. They may be prepared for the academic rigors of college, but neglecting to prepare for all the other aspects of college life might affect your success and ultimate degree completion. It’s your role as a parent to make sure they have these skills before they leave for college.

We must, as parents, raise an independent student. That means they must know how to self-advocate. They must know how to say “no” to behaviors that have negative consequences. They must be responsible with their time and their money. It’s no easy task and in today’s world, we have to add the ability to make wise social and economic choices.

Financial skills

When your student heads off to college there will be many financial decisions they need to make, beginning with how much student loan debt they are willing to incur. Use loan repayment calculators to determine the amount of re-payments after graduation and use these figures to make wise decisions about loans. They will also need to know how to budget their money in regards to other college costs such as books, living expenses and entertainment. Add to that the knowledge of credit card rates and how easily it is to fall into debt using them for simple things such as pizza. Many students graduate from college with over $10,000 in credit card debt.

Social skills

If your student is headed off to college to hook up with the party scene, they are in for a rude awakening when their first semester grades are released. Many students forget that partying affects their study time and class attendance. If they are exhausted from partying the night before, they are less likely to get up for that early class. Recognize that while making friends and enjoying the social scene are necessary for their overall satisfaction of the college experience, they should not forget the reason they came to college: to get an education. Discuss with them how to balance their social life with their academic life before they leave in the fall.

Academic skills

College is not like high school. Professors expect that your student do their assignments and they don’t check up on you if you don’t. Coming to college with refined study and organization skills will help your student adjust to the rigorous course requirements of a college degree program. Managing their time is also important as it relates to class assignments, studying for tests and preparing term papers.

Mental skills

College life produces a whole new set of mental and emotional problems. Many students face homesickness early and should recognize that those feelings are normal. They should go to college with the skills needed to cope with stress and the feeling of loneliness that often occurs. Recognize that all these factors contribute to their overall mental health and know beforehand where they can find help if they need it.

Problem solving skills

College is no different than life—obstacles occur on a daily basis and you will need the skills to deal with those obstacles. Your student will be confronted with conflict and should know how to resolve that conflict, either by themselves or with a mediator (such as an RA or student advisor). They will face situations that require them to advocate and they should be comfortable doing this before they head off to college and become completely independent.

The question we should all be asking our students is:

Are you prepared for college?

I’m not talking about academic, extracurriculars, or standardized tests. I’m talking about the “real” college prep: adulthood. Because this is the most important college prep of all. If your student isn’t ready to study without being constantly nagged, attend class without a wake-up call, or make wise choices when every negative influence in the world bombards them, then he or she is not ready for college.

Do you have a to-do list for your future college student? Can they live within a budget? Do they understand the importance of study and class attendance? Do they know how to choose the right friends? Will they make wise choices about alcohol, sex and other risky behaviors. Preparing them for college is so much more than academics.

Get this book: Toward College Success: Is Your Teenager Ready, Willing and Able? Read it and apply its tactics. When your student goes off to college they will be prepared for the real world which can sometimes be cruel; but a learning environment preparing them for adulthood.

Helping parents navigate the college maze