Scholarship Friday, scholarships

October Is a Busy Scholarship Month

 

october

While you are thinking of fall colors and Halloween, there are so many opportunities to apply for scholarships. October is a busy deadline month for scholarship seekers. Take advantage of the many scholarships with October deadlines and score some free money for college.

According to Jessica Velasco of JLV College Conseling, “attending college can be quite expensive for students and their families. Luckily, there are many college scholarships and contests available to help pay for a college education. Students should seek out and apply for scholarships in which they meet the eligibility requirements.” Jessica provides a full list of scholarships with October deadlines.

Niche’s scholarship list of October scholarships allows you can choose a category and filter by states, majors, minorities and easy to apply. Or you can look at the entire list of scholarships with October deadlines.

Allen Grove, a college admissions expert for About Education says, “October is one of the busiest months of the college admissions process, and many applicants are so preoccupied with their college applications that scholarships aren’t on their radar. They should be. Many scholarship opportunities expire in October.” Allen provides a sampling of 42 scholarships with October deadlines.

Although October is full of frivolity, it’s also one of the best months for you to ‘carve out’ some time for scholarships. There are many fall programs available to high school and college students, but just like ghosts, they will evaporate soon. Unigo has compiled a list of “Spooktacular Scholarships with October Deadlines”.

DoSomething.org provides unique scholarship opportunities for you to make a difference in your community. After you participate in one of their campaigns you are entered to win a scholarship. These scholarships are great opportunities to blend community service with scholarship awards. Check out this list of DoSomething’s scholarship campaigns with October deadlines,

Scholarships.com has an extensive list of scholarships for students who need funding for college. They have provided a list of scholarships with deadlines in October. While you are there, check out their other lists of scholarships listing deadlines by the months.

Uncategorized

Supporting Your Child After College Graduation

 

college graduation

If you have children who will be graduating from college, you may be wondering how you can support them on their journey as they enter into the real world and make adjustments to their new lives.

It is a scary world out there and if your child is entering a completely new career field, he or she may be nervous and unsure of what to do.

When it boils down to it, many students face college graduation with an enormous amount of student loan debt and what this does is it sets them up for failure in the real world if they are unable to pay the debt down quickly.

Imagine if your child had $30,000 in student loan debt and could not transition out of their minimum wage job and into their chosen career even with a degree. That is tough to think about, right? Unfortunately, it is the real world and this happens all of the time.

You may be sitting back right now scratching your head and wondering what it is you can do to help support your child once they have graduated college. We do have some ways that we think are feasible for the both of you and will help you two form a closer bond in the process.

Let’s take a look at some of the ideas below.

  1. Cosign on Student Loan Refinancing

If you have never dealt with student loans before, then you may have never heard about student loan refinancing. This is okay.

Student loan refinancing is a way for your child’s student loans to be reworked and the interest rate to be lowered. This results in a lower monthly payment and lower overall interest that needs to be paid on the loan itself. Sometimes, students are able change their student loan term period as well.

When it comes time to refinance, your child will quickly realize that there are some strict requirements to do so and if they do not meet these requirements, they cannot refinance. Your child must have a good credit score, good credit history, and a stable job.

Many new graduates do not have the minimum requirements for a bank or private lender to refinance them and they are told they need a cosigner. If you want to help support your child, you may want to consider being a cosigner on the loan, so that they can refinance it. It is possible to have your name removed as the cosigner later on down the road too.

Let’s look at an example to show you how much your child could save. Let’s start out with a loan balance of $20,000 at an 8.6% interest rate with 10 years to pay on the loan. The current monthly payment on the loan is $249 and the total interest paid over 10 years is $9,885.

If we refinance that loan, so $20,000 at a 3.25% interest rate for a period of 10 years, the new monthly payment would be $195 and the total interest paid over 10 years is $3,453.

Simply helping your child refinance in the scenario above would save your child a total of $54 per month and a lifetime savings of $6,433 in interest payments alone.

  1. Make a Payment Agreement for Debt

Another way you can help you student is by helping them pay down some of their debt. For instance, if their debt totals $15,000 and you have the money to spare, maybe you can use the money to pay off their debt and then work out a payment plan with them to pay you back.

This will benefit them because they will save money on interest payments. If you wanted to, you could charge interest on the amount you pay off too, but your interest charge is not going to be anywhere near that of a bank.

In addition, you may be able to work something out with your child where you will help pay off a credit card bill and in return they can install new fencing around your home and so on.

It is important that you and your child lay out the terms of the deal BEFORE any money is paid out or BEFORE any benefits have been had. You want to make sure you have a commitment from them that they will pay you back.

  1. Help Your Child Budget and Build Credit

If you have never taught your child about personal finance, now is the time. It is important for your child to have a solid foundation to build upon. Finances are not easy to manage when you do not know what you are doing.

You can help your child budget with the money they have as well. For example, sit down with your child and determine how much money they make, how much their bills are, and their necessities. From there, work with them on how to create a budget and where they should be sending their money. The more you help them, the more they will learn.

Lastly, make sure you help them build their credit and teach them about credit. The worst thing you can do for your child is let them blindly get a credit card and treat it like cash or like it does not have to be paid back. This will only breed bad financial behavior and your child will be confused when his or her credit score is in the 400 or 500 range.

Final thoughts on supporting your children after college graduation

As your child enters into the real world, he or she will need your support and it would be helpful for them if you were there. If you are unable to help them financially, you can still support them by providing them with the guidance they need to make payments on time, build their credit score, and not allow their loans to go into default.

college costs

5 Ways To Get Your College Student Home on the Cheap

 

college studentOver 3 million college students will attend universities outside of their home state this year. With the yearly costs of a private or out-of-state education starting at $24,000, any added expenses beyond room and board, books and tuition can be a real burden. Yet, not having your kids home for the holidays is unimaginable for many parents, so they find a way to make it happen.

For those already thinking about how to get back home “from” school, here are five tips to help your college student get home on the cheap:

  • Rack up miles and earn free flights. While fares during peak season can cost hundreds, earning free flights is easier, and simpler, than many think. RewardExpert helps travelers create easy-to-follow strategies by developing customized earning plans and maximizing frequent flyer rewards. The service makes it easy to earn free tickets in just a few months, making now the perfect time to enroll.
  • Carpool with someone headed the same direction.  College Carpool is amongst a handful off services that allow students to connect with others driving the same direction through private pages for each college. Through forums, students can find available rides, or proactively request one.
  • Enroll in a car share. Many traditional rental car services have restrictions for those under 25, however ride car services like Zipcar andEnterprise CarShare are available to university students. Monthly fees are low, and once registered, students can reserve a car whenever they need one.
  • Hop on the bus… Sure, the bus might not be the most glamorous option, but Bolt Bus, Megabus and Greyhound are cheap options with surprising amenities. Most have free wifi, power outlets and even reclining seats. Smaller-scale regional buses also offer student discounts, such as Short Line.
  • … Or the train. Taking the train home is another great option, withAmtrak providing service from 500 destinations in 46 states. The company offers a 15% student discount, along with the opportunity to earn points towards free travel.

No matter how far away or son or daughter may be, there are some creative ways to get them home without breaking the bank.

college planning, college prep

Dear High School Junior

high school juniorDear High School Junior,

Your quest for college intensifies this year. Junior year is THE most important year in the college process. It’s the year you focus your energy on college preparation. All the years leading up to this year have prepared you to begin this journey and as an admissions officer once told me, “drive the car”.

Focus on these four tasks this year and enter your senior year prepared to apply to colleges.

Academics

Your junior year is THE most important year as far as college. It’s the junior year transcript that colleges will receive with your application. This is NOT the time to start coasting. Do your best in every class, especially the AP Honors classes. This level of commitment to academics will communicate to colleges that you capable of handling rigorous college courses and have fine-tuned your time management and study skills.

Test prep and study

First–the PSAT is NOT a practice test. It’s your ticket to some substantial scholarship money if you qualify as a finalist. You don’t have to win or be the best; you just have to qualify as a finalist. Most students don’t study for this test so that’s an advantage you will have going into it. If you study, you could be looking at a full-ride at one of the colleges you list on your test. Think carefully before you list a college. Once you do, it’s locked in.

The SAT and ACT are used by colleges to rate you among prospective students. Scoring high on these tests can mean the difference between an offer of admission and a rejection. Study before taking the test. Take advantage of some free test prep even if you feel you don’t need it. Take the practice tests, evaluate your strengths and weaknesses and adjust your study accordingly.

College lists and visits

It’s time to start your college lists. Is one college at the top of your radar? Do you want to stay in state or attend a college far from home? These are just a few of the questions you should ask yourself when you start your list. Remember to look at all types of colleges: private, state, junior colleges, liberal arts colleges, technical colleges and even career specific colleges like a culinary school. One size college does not fit all. It’s time to explore.

Start visiting colleges–either on your list or nearby to get a feel for campus life. Make some preliminary visits before you start scheduling official visits with the colleges. Talk to students. Explore the area around the college. Once you have a tentative list made, start scheduling visits for tours, meeting with financial aid, and interviewing with admissions. Letting the college know you are coming shows interest in their school. Colleges keep track of these contacts; and when the application is received, they can look at their list and see you have expressed interest.

Finances

Talk with your parents about how they expect you to pay for college. If they are contributing, ask how much they have budgeted for your education. This will help you know what they are prepared to pay and what you will have to contribute to make up the difference. If it’s substantial you should intensify your scholarship search and start working to save money for expenses.

Don’t apply to colleges that are entirely out of your reach if you don’t receive financial aid. It will only lead to disappointment. Investigate how much financial aid the colleges usually provide incoming students. This will help you plan. Remember that the sticker price of a college is not usually what you will pay. Apply to colleges where you are at the top of the applicant pool. This will improve your chances of receiving merit aid.

It’s time to get serious because senior year is just around the corner. Once it hits, you will be writing essays, applying to colleges, and working hard to keep your grades up. If you prepare in advance by completing these four tasks, you will have less stress your senior year.

parenting

Walking the Helicopter Parenting Tightrope

 

parenting

Parenting has certainly changed.

In the 50’s, our parents let us have the run of the neighborhood. We rode our bikes everywhere, walked home from school alone, and rode the bus to the movies alone. In the summer, we left the house early in the morning and returned home in time for dinner. Our teachers terrified us and we knew if we misbehaved, our parents would back them up. There were no car seats or safety belts. You would never find anti-bacterial soap or even consider using it. When we turned 18, we either went to college or got a full-time job and moved out of the house.

In the 80’s, parenting styles began to change. Because of Adam Walsh, we watched our kids like a hawk. We weren’t quite ready to take away their freedom, but we worried. We worried about where they were, who they were with, and what dangers they might encounter when they were at school, outside, and at the mall. Parents began to question a teacher’s authority and loosened the grip on the discipline of their children. Spanking became taboo and “time out” emerged as a parenting technique.

At the beginning of the 21st century helicopter parenting emerged. It’s not like we planned for it to happen. It just did. We sheltered our children from any disappointment. Everyone on the team got a trophy. There were no winners or losers. We questioned all school authority. We would never consider letting them walk home alone or play outside without supervision. If they forgot their lunch, we took it to them. If they left their homework at home, we took it to school. We began to make every decision for them and protect them from every consequence. We began to feel the “parent peer pressure” for our children to be the best and the greatest. If they graduated from college and couldn’t find a job, they came home to live and thus the term “boomerang” generation was born.

How do you walk the tightrope of helicopter parenting?

How do we raise our children in this frightening world without overprotecting them from the disappointments and trials of life? What are the long-term risks of helicopter parenting? Combine a little of the 50’s parenting, some of the 80’s style of parenting, and a very small amount of the 21st century parenting for the perfect parenting balance. There’s a fine line between cautious parenting and being a helicopter mom.

Ask yourself this question–Do you want your children to be independent successful adults or do you want them living in your basement for years and years depending on you to pay their bills and take care of them? Is it conceivable they will be going off to college and surviving alone, or calling you every day crying for help, or needing assistance with every life task? Will they be running home because they simply can’t survive without you?

My guess–your answers to every one of these questions would be a resounding NO! 

admissions, college prep, websites

3 Artificial Intelligence Tools to Help with College Prep

 

college prep

Today’s guest post is from GoSchoolWise, a new website offering free tools to help with college prep.

Is this school a good fit for my child? Do we have a balanced college list? How much will college cost us?

If these are the questions you are asking yourself, there is good news. A smart computer called IBM Watson (the computer that beat humans in Jeopardy) is helping answer these questions for thousands of parents this year at GoSchoolWise.com.

GoSchoolWise.com has 3 tools that use sophisticated algorithms to help answer the questions you were wondering. The good news is all these tools are free for high school students and their parents.

College – Personality Fit Tool: The tool has analyzed over 600 US colleges and identified personality traits of students at those schools. 

Example: Some of the personality traits of Georgia Tech students are: Unselfish, Go with the flow, Thoughtful, etc. Some traits for students at Columbia University are: Independent, Change-Agent, Direct etc.

The tool can analyze your child’s essay or Tweets to develop her/his personality traits and identifies their personality fit with each school on your schools list. In addition to campus visits this tool can give you a unique perspective how well your child will fit in at a particular school.

Let us know if you agree with the personality traits of your child by sending a message here.

  1. Admissions Insights: The tool analyzes the schools you are considering applying to and gives you valuable information on the potential acceptance rate based on your child’s gender, and the admissions round you are considering (EA, ED, RD, etc.).

    The tool also recommends other schools your daughter or son should consider as well as checks if you are in compliance with the Early application policy such as Restrictive Early Action or Single-Choice Early Action for different schools.

    In addition to a bunch of other admissions insights, the tool beautifully lays out the schools on a US map (with school pictures) for you to visualize how far your young one is considering going.
  2. Financial Insights: The tool takes your family income and uses historical data as well as factors in the financial aid families with similar income received, predicts the total annual cost of attendance for your child. This can be valuable information to help you understand how much college can cost your family.

You really thought this post will end without giving you any bonus tools and features.

Well guess what we have…

3 Bonus tools/features: SchoolWise also has additional tools/features to help families. Some of the other noteworthy features are:

  1. College Admissions News: College Admissions news and updates from around the web are curated with the help of IBM Watson. The news feed keeps families updated on the latest admissions advice and developments.
  2. Academic Index: Looking to apply to Ivy League school? You should check out the Academic Index (AI) Calculator. AI is a score between 60 – 240 used by Ivy League schools to score the academic achievement of an applicant. The score is highly correlated to acceptance rates. Even though Academic Index is not a secret anymore, but the Ivy League universities and other highly selective colleges are hush-hush about its use.
  3. Schools Pages: Each 4-year college has a beautiful schools page, with pretty images, videos, and interactive tools. One example is the gender diversity tool, which shows the class mosaic. Also, check out the notable alumni and the key recruiting companies section for each school. Some school page examples are: Harvard University, MIT, College of William and Mary.
admissions, financial aid

10 Steps to an Affordable College Education

2 Comments

 

college affordable

How can you assure that your student receives an affordable college education?

I received this comment on one of my blog posts from a parent:

I am so unprepared. I had no idea about the steps I should have taken. My daughter officially started class yesterday and I am struggling to figure out how to pay for it. She made above average grades and a wonderful ACT so I really figured she would get some kind of offer. She did not and we are middle class but FASFA says we make too much money. I am in such need of help and guidance.

This is the predicament of so many middle class families. Their student applies to college, is accepted, and receives no financial aid. They are stuck with the dilemma of sending them to this college and finding a way to pay, or disappointing their child and also incurring debt so she can attend.

Before you find yourself in this situation, here’s my advice on how to get an affordable college education and avoid this difficult conversation with your student.

Step 1—Get good grades in high school

There is nothing more important to receiving good financial aid than good grades. These habits actually begin in middle school and build until your student applies to colleges. Good grades represent a commitment to education and academic excellence—two things colleges look for in an applicant.

Step 2—Take AP Honors and/or Dual Credit classes

Colleges look for students who take these college-level courses increasing your student’s chances of merit aid. But the best benefit of these classes is the cost savings you will realize. If your student takes AP classes, takes the test and does well, he will receive college credit. Dual credit courses are taken during high school and once completed, count for college credit. Comparing the cost of an AP test or Dual Credit course to the cost of a course in college, you save thousands.

Step 3—Score well on the PSAT

If your student scores well on the PSAT and is a National Merit finalist, the financial flood gates from colleges will open. Your student should take this test as seriously as she does the SAT or ACT. It’s more than a practice test!

Step 4—Score well on the SAT and/or ACT

Standardized test scores will have an effect on the college’s financial aid award. Good grades, a good essay, and good test scores will make you a desirable candidate for admission which can mean merit aid.

Step 5—Apply for scholarships like it’s your job

Your student’s #1 job in high school is to apply for scholarships. Don’t wait until senior year. There are scholarships available for all ages. The more he applies, the better his chances to win. Keep applying during college too!

Step 6—Apply to the right college

If your student is at the top of the applicant pool, it is more likely she will receive financial aid. Colleges reserve merit aid for the students they want to attract. Applying to an elite college where there are hundreds of applicants with better grades and test scores the chances of being awarded financial aid are slim. But if your student applies to a college where most of the applicants scores and grades are average and your student’s are stellar, the chances of receiving financial aid are good.

Step 7—Search for colleges with good financial aid footprints

Use sites like CollegeNavigator and CollegeData to find colleges that award a high percentage of financial aid to admitted students. If your student applies to a college that offers a low percentage of aid, you are gambling with your financial aid. A sure bet would be a college that meets a high percentage of a student’s financial need.

Step 8—Compare financial aid awards and appeal

Once your student receives financial aid awards compare them with one another. Use the top awards to bargain with the college your student most wants to attend. Appeal the awards and ask for more aid. If you don’t ask, you won’t receive. Colleges have award money available from those students who declined admission.  If they really want your student, they might increase the award.

Step 9—Work during high school and college

You would be surprised at how much money your student can earn during high school. If he or she is too young to work at traditional jobs, there is always babysitting and yard work. Be sure you put the money in your own account, however. Student savings will decrease your EFC substantially. And during college, your student should work. Studies show that students who work are often better students and time managers.

Step 10—Go for the gold

If your student is open to attending a tuition-free college your worries will be gone! These colleges are not for everyone but they are worth investigating: 8 Colleges Where Students Attend for Free.

Best advice: Determine before your student applies to college how much you can afford to pay if he or she doesn’t qualify for financial aid. Even if you follow all of these steps, be prepared for this possible outcome. If you do, you and your student won’t go into debt or be disappointed when the answer is no.

essays

How to Write a Good Essay for College

 

essay

If you need to write an essay for college, you have to be aware of the basic rules of its writing. It is important to  follow a standard pattern. You have to reveal your personality and showcase your writing skills.  If you have never written an essay before, the following tips will help you craft a good piece of writing.

1. Do research. 

You have to know what has been written on your topic before. Check out both printed and online resources. Make sure that you have access to them. Go to the library and order some books. Take notes if needed. Look for relevant literature on the Internet. Download the necessary files and documents.

2. Come up with your own ideas.

Now you are armed with numerous researches and articles. But the thing is to express your personal view on the subject at hand. Your own voice needs to be heard clearly. The essay is not a compilation of works by other authors.

3. Write a solid thesis statement.

Among all of your ideas, choose the strongest one. Ensure that you have enough supporting materials. The thesis statement must be specific and concise. Your task is to expand it through the body of your essay and prove its correctness.

4. Craft an outline.

Writing a well-structured essay without an outline is virtually impossible. It helps you organize your thoughts and follow the intended line. You need to highlight the core сategories and consider each of them point by point. Do not forget to use specific facts and provide examples. An outline usually includes 3 levels.

5. Write an introduction, body paragraphs, and conclusion.

Like any other college paper, an essay should consist of three logical parts: introduction, body paragraphs, and conclusion. The beginning should be engaging and introduce readers to the topic. Each body paragraph has to start with a topic sentence that is followed by 2-3 supporting statements. You must include no new information in the conclusion. Simply paraphrase what was being said earlier.

6. Create a captivating title.

The title of the essay has to induce the reader to read your writing. Avoid general and boring titles. They have nothing to tell about your paper. Use specific headings instead. There are many essays consisting numbers in their titles at writing2me.com. Such type of the headings is considered one of the most interesting. The readers also find attractive those headlines that debunk stereotypes or appeal to their emotions.

7. Double check the essay.

Once your essay is over, put it aside for a while. No matter how hard you will try, you still won’t be able to see a mistake. You need to let your eyes and mind relax. Better yet, let your friends read the essay. It will be much more easier for them to detect an error with a fresh eye. Your essay must be grammatically flawless. It is out of the question.

Although at first glance crafting an essay for college may seem as an extremely complicated task to perform, this is not quite accurate. Use the recommendations given in this article and you will easily cope with it. All things are difficult before they are easy.

parenting

Parting is Such Sweet Sorrow

4 Comments

 

goodbye-1180709-640x480

Yes. It’s that time of year again. Parents are trekking hundreds and even thousands of miles to drop off their students at college. For most it’s bittersweet. For moms, it’s a tornado churning inside our hearts. On one hand we are happy for our children. They are now grown up (or so they say) and ready to venture out into the world. On the other hand, our hearts are breaking. The years have flown by and we aren’t quite ready to say goodbye. Parting is such sweet sorrow.

Wasn’t it only yesterday that we brought them home from the hospital. They were so small and helpless. When they grabbed our finger and smiled we melted. We wanted to give them everything and we wanted them to have every one of their dreams come true.

And then, the toddler years arrived. With all the “nos” and the “mine” and the dreaded potty training. Most of us felt there would be nothing worse than this. Temper tantrums ruled our house and don’t even get me started on the bedtime tug of war.

But then, they grew up to be teenagers. And we longed for the terrible twos again. During the teen years, we often found ourselves longing for the day when they would leave home. Can college come soon enough? Especially during the summer after high school graduation. Tempers flared, doors were slammed and we wondered just who was living in our house.

Where did the time go? In a few days or weeks, you will be saying goodbye to that child you raised and he or she will be leaving a huge hole in your heart. In spite of it all, you will miss them terribly. And don’t even think they won’t miss you. They may put on a brave front, pull away from the hugs, and hold back the tears, but it will be just as hard for them as it is for you.

It won’t be long before you get the phone call, “Mom, I need . . . “. And once again, you will be aware that it doesn’t really matter what age they are, they will always be your little girl or boy.

Congratulations to every parent who will be dropping off their child at college soon. Hold on to the memories. Believe it or not, they will comfort you in the months ahead.

admissions, college prep, parenting, podcasts

College-What I Know Now That I Didn’t Know Then

5 Comments

 

college

Today my daughter turns 35. It seems like yesterday we were visiting and applying to colleges. Since then, she graduated with a Bachelors and a Masters in Marketing. She has two wonderful boys and the life she always hoped for.

From the time she was small, she dreamed of going to college in Boston. It’s a mystery why she chose that city. We had never visited there. The only tie she had to it was from a movie that mentioned Boston University. I say this to make a point—college was always in her future. She worked hard during high school and got the grades and multiple scholarships to attend college in Boston.

But if I knew then what I know now, we would have done things differently.

Establish a relationship with your high school counselor early

High school counselors are invaluable resources for scholarships, college information, volunteer opportunities and as a reference. My daughter barely knew her counselor and when we needed help, it was a struggle. A relationship would have made things so much easier.

Use all four years of high school to get ready for college

We waited until senior year to start preparing for college. Needless to say, it was a train wreck. Between all her senior activities, trying to visit colleges, testing, applying for scholarships, and applying to colleges we were both stressed and irritable. Some of those tasks can be done before senior year, even during freshman year. Plan ahead.

Study for the PSAT

My daughter did not study for the PSAT. We had no idea what was at stake with this test. If she had studied, she could have qualified as a National Merit semi-finalist and finalist. This would have meant full-ride scholarships and more at numerous colleges throughout the country.

Visit every college you apply to

This was a tough lesson to learn. My daughter applied to numerous colleges without visiting. After being awarded a full-ride scholarship at one of them, we visited. She immediately hated the campus and the entire college setting. It was disappointing for me, as a parent knowing this college would have meant no debt. But it would have been worse if she had gone there and dropped out freshman year.

Spend time writing and rewriting the college essay

The essay is your best chance to give the colleges a picture of who you are. There are so many available essay coaches online and free essay help available. I wish we had taken advantage of those opportunities.

Don’t apply to colleges that aren’t within your financial reach

When my daughter received an acceptance from her dream college without any financial aid we knew it was impossible for her to attend. We were anticipating scholarship money to assist us but when it didn’t come through, she was devastated. Do your homework and look at the colleges financial aid profiles. If they award a small percentage of aid and you can’t afford it without it, don’t apply.

Apply early to get the best financial aid

The early bird gets the worm with financial aid. My daughter applied regular admission and her dream college had already dispersed aid by the time they received her application. If I had known then what I know now, she would have applied for early decision.

Start applying for scholarships early

We waited until senior year to apply for scholarships. It was a struggle working all the senior activities in and finding time to apply for scholarships. There are scholarships for all ages—start early.

Appeal the award letter and ask for more money

With several full-ride scholarship offers we could have used them to ask for more aid from her first and second choice college. We didn’t ask for more money from any of the colleges and we didn’t appeal any of her awards. It was a huge financial mistake.

Only apply for federal student loans and know your repayment options

We followed this advice in college, but when she decided to get her master’s degree, she took out private student loans. These loans, combined with her federal loans, put a financial burden on her after graduating. It was difficult to pay them back early in her career and she had to file deferments several times, extending the time and interest on the loans. She made the mistake of not investigating repayment amounts before signing for those loans.

Roommate issues can be the worst part of college

I had no idea the drama that would ensue with college roommates. There were tears, anger, frustration and cries to come home early. If she would have discussed these issues with the RA or dealt with the conflict early, it would have saved both of us a ton of heartache.

As you can see, I’ve learned quite a bit since her college years. If you have a question about any of this advice or any other college-related question, feel free to leave a comment. We parents have to stick together.

Helping parents navigate the college maze