college costs, Guest Posts

How to Get In-State Tuition if You Live Out of State

 

in state tuitionIs your child considering a school that is out-of-state? More than likely, you want to give them the ability to attend any of the schools that they are considering. However, this is difficult when in-state colleges carry far less expensive tuition fees. We’ve compiled some tips for getting in-state tuition for out-of-state students to help families solve this cost dilemma.

1. Plan ahead

The more time you give yourself to plan, the more opportunities you will have to obtain tuition benefits. It pays to research, as many of your savings options can last through all four years of college. Also, it is important to apply to many of these benefits early, giving you preference over other applicants.

2. Understand the college’s rules

Some schools have stricter in-state tuition qualification requirements than others. It is important to research the rules for each school that your child may be considering. Some colleges require students to have graduated high school in the state or have a parent living in the state. Others allow in-state residency for students that live in the state for one year and are financially independent from their parents. It completely depends on each school. Check out Finaid.org for a list of links to each school’s rules regarding in-state residency requirements.

3. Fill out forms carefully

Make sure you completely understand the rules for each school so that you do not make any mistakes or omit any information when filing for residency. Be cautious when filling out forms and be sure to look them over before submitting them. If you have any questions, be sure to utilize the college’s admissions offices by giving them a call. As a result, you can be sure to submit the correct information.

4. Avoid penalties

Try to avoid the negative consequences of making a mistake. The penalties assessed to students for inaccurate in-state residency range from expulsion from school to being charged for past tuition at an out-of-state price.

5. Research academic reciprocation agreements

There are currently four regional programs that help students obtain lower out-of-state costs compared to the full out-of-state tuition. These programs are made available to students interested in specific majors. Students must qualify and there is usually a cap on how many students can receive this benefit from each college.

The Western Undergraduate Exchange helps resident of Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Utah, Washington, and Wyoming gain access to out-of-state schools. Students from one of these states are eligible to receive a reduced tuition rate of 150% of in-state costs at a school outside their home state. This includes two and four-year institutions. Again, this depends on how many spaces are available for WUE students at each school.

Alabama, Arkansas, Delaware, Georgia, Kentucky, Louisiana, Maryland, Mississippi, Oklahoma, South Carolina, Tennessee, Virginia and West Virginia all participate in The Academic Common Market. This program offers tuition savings to students if an institution in their home state does not offer them the program that they are looking to study.

The Midwest Student Exchange Program offers students in Illinois, Indiana, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, or Wisconsin a similar benefit.

The New England Board of Higher Education offers a tuition break program referred to as the New England Regional Student Program. This allows students that are permanent residents in the states of Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island and Vermont to receive tuition aid. With this program, students may qualify if the out-of-state college they would like to attend is closer to home than an in-state college that offers the same academic program.

6. Hire an expert

In-State Angels helps students and families navigate the often confusing process of establishing residency in a different state. Avoid the risk of going at this by yourself and employ an Angel to help. ISA helps students gain residency in the fastest and most legal way possible, saving families like yours tens of thousands of dollars.

These tips can help you and your student by opening up as many college options as possible, even those you originally thought to be too expensive. Like we’ve been saying, it pays to do your research, so get searching and start saving!

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About the Author – Jake Wells founded In-State Angels in 2009 after graduating from the University of Colorado-Boulder with more debt than seemed reasonable. He is on a mission to prevent others from suffering a similar fate, and now advises students on how to get in-state tuition in the fastest way legally possible.

 

Scholarship Friday, scholarships, Uncategorized

Scholarship Friday: 3 Scholarship Truths

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scholarship truthsParents usually have two misinformed views about scholarships. First, they think it’s impossible to win scholarships because its like the lottery, a one in a million chance to win. Secondly, they think that only kids with high GPAs win scholarships. Nothing could be further from the truth.

I’m not going to lie. Winning scholarships requires a commitment both on your part and on the student’s part. It’s not going to happen if your student isn’t invested heavily in the process. And it’s not going to happen if you aren’t willing to help. It requires work, perseverance, and determination. If neither of these are present, scholarships will be impossible to win.

Here are 3 scholarship truths that can make all the difference:

You MUST search

Searching for scholarships is not easy. It requires an endless persistence in looking for them, a willingness to explore every available opportunity, and a commitment to invest your time and resources in the effort. Yes, you can sign up on scholarship engines like Zinch, but these engines are not your only options; and if you’re not willing to dig for those lesser known scholarships, (especially locally) you’re only decreasing your chances of winning.

Parents can play a huge part in this part of the process. Pay attention, read everything you can, watch for them on social media, subscribe to podcasts (like How to Pay for College HQ) and subscribe to blogs that talk about scholarships (like this one). High school students are extremely busy and their time and effort is best spent completing the applications. You and your college-bound teen can be a team for this aspect of the process.

You MUST apply

One expert, Gyan Devi, says the time spent applying to scholarships reaps more rewards than a part-time job. However, the students MUST be invested in this part of the process. You can’t write their essays, complete the paperwork, or push them into it. If they aren’t invested, it’s not going to payoff with rewards.

One way to motivate them to do this is to have the money talk early in high school. If your student understands that winning scholarships directly affects his/her ability to attend college, they are going to be more likely to commit their time to applying.

You MUST be unique

According to “The Scholarship Mom“, packaging makes the difference. In order for your student’s scholarship applications to stand out, you need to package it properly. Just applying, especially when your student is one of thousands, probably won’t produce winning results. Just like anything you’re trying to sell or promote, it’s all about the marketing. And your student is marketing himself to the scholarship committee. You need to make sure he puts his best foot forward.

The truth about scholarships? There are scholarships for every student, some with high GPAs and some don’t even ask for a GPA. But, unless your student is willing to commit their time to the process, he/she is not going to win any scholarships. If you and your student work as a team, the odds of winning that big payoff increases dramatically. If you follow these simple tips and suggestions, the time spent will be well worth the payoff.

 

college guidance, essays, Uncategorized

12 Essay Experts on Twitter

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essay experts
Photo by By Aleksi Tappura

I began my search for essay experts on Twitter a few days ago. To my surprise, and disappointment, most of the accounts I found were for companies or organizations that write essays for students. I find that disturbing as a parent, and as a college coach. It baffles me that students would actually pay someone to write their essay for them which is out and out plagiarism and that’s why there are sites like Unplag that can help. Even more surprising were the number of essay experts who were not on Twitter or inactive.

Along with the multitude of essay writing services, I also found a great number of complaints from dissatisfied customers complaining about the quality of the essay they paid for. And the age old proverb is true: if you want something done right, do it yourself.

These twitter accounts are essay coaches—they help you write your OWN college essay by providing encouragement, guidance and support throughout the essay writing process. Follow them for tips about the essay and connect with them if your student needs help.

Essay specialists

1. College Essay Guy @collegeessayguy

2. The Essay Expert @brendabernstein

3. Essay Hell @essayhell

4. Chris Polley @essaybrainstorm

5. All College Essays @allcollegeessay

College counselors who help students with essays

6. Megan Dorsey @collegeprepllc

7. Jeannie Borin @jeannieborin

8. Paul Hemphill @vcollegeadvisor

9. Jessica Velasco @Admissions411

10. Jim Overton @ccofsc

11. George Scurlock @collegehelp1

12. International College Counselors @College_Experts

 

college visits, Uncategorized, Wednesdays parent

Wednesday’s Parent: College Visits and the Illogical

 

college visitsI will never forget Nancy Berk’s chapter in her book, College Bound and Gagged, when she talks about college visits. It only seems fitting as we revisit the student role in the college visit that I share Nancy’s story of a fairly common visit since we are revisiting the student’s role in the college visit today. She calls it “The Tour de Chance” and it goes like this:

Yes, there’s a chance you could land on campus and your teen will refuse to get out of the car. It’s pretty common, totally baffling, and goes something like this . . .

Son: I’ve seen enough; let’s go.

Parent: But we haven’t even parked the car yet.

Son: You don’t think I can tell already? I DON’T like it here.

Parent: But we’re finally here. Let’s get out and look around.

Once the visit is completed, the verdict is in and it’s far from logical. The campus can be breathtaking and the tour guide engaging, but don’t assume your teen’s impression will reflect that. Rejection rationale is not logical or consistent across high school juniors and seniors. Rejection reasons are often bipolar. They include:

  • Too many beautiful students–it’s not normal
  • Too many badly dressed students–it’s not normal
  • Gloomy weather–totally depressing
  • Too much sunshine–totally depressing

During tour experiences, parents wait for logical academic rejection reasons. Instead they are bombarded with reasons related to fashion, temperature, food and architecture. One friend was perplexed by the value her daughter placed on dormitory bathroom configurations.

Still seemingly ridiculous rejection reasons are easier to understand than the vague one most parents hear–“I just don’t like the look”. Teens can’t explain it, but they are 100% certain from “the look” that this college experience will be the worst one.

For more student college visit quirks check out my previous blog: The Student Role in the College Visit

And then read Wendy’s post: Must-know tricks and tips for successful college visits 

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Wednesday’s child may be full of woe but Wednesday’s Parent can substitute action for anxiety. Each Wednesday Wendy and I will provide parent tips to get and keep your student on the college track. It’s never too late or too early to start!

The bonus is on the fourth Wednesday of each month when Wendy and I will host Twitter chat #CampusChat at 9pm ET/6pm PT. We will feature an expert on a topic of interest for parents of the college-bound.

Wednesday’s Parent will give twice the info and double the blog posts on critical parenting issues by clicking on the link at the end of the article from parentingforcollege to pocsmom.com and vice versa.

App Tuesday, college costs

10 Budgeting Apps for College-Bound Teens

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budgeting appsManaging money while attending college can be a constant struggle. You may have limited income due to devoting your time to classroom responsibilities, or maybe you’re living off of student loans and want to keep your expenses in track.

A good budgeting app can help college students keep track of their finances and help them find areas where they can cut back. Most budgeting apps can cover the basics—this article will provide you with five budgeting apps that stand out from the crowd and explain how they can help keep a college student’s budget in order.

Here are 10 budgeting apps for your college-bound teens:

1. Mint.com (iOS, Android)

It’s no secret that college students live on a strict budget. Since they will be managing their own finances and budget for expenses, they need some help. Mint.com automatically pulls all your financial information into one place, so you can have an overall picture of your finances. It manages your checking, savings, loans, and investment accounts (if you have any). It also helps you set budgets and create and track your goals, alerting you when you approach your limit.

2. Toshl Finance (iOS, Android)

Toshi Finance has a simple, good looking interface that is very easy to pick up on. That simplicity makes setting up a monthly budget for college students a breeze—all you need is to input your income and your expenses with reusable tags to get a clear picture of where your money goes.

3. Left to Spend (iOS)

Left to Spend keeps it simple—really, incredibly simple. You set a spending allowance and then subtract from there. No bells, no whistles, just straightforward budget tracking. If you’ve ever tried the “$20 in an envelope every day” budgeting method, this is essentially the digital equivalent.

4. Debt Payoff Planner (Android)

Debt Payoff Planner allows you to find the most effective way to pay back debt, whether it’s student loans or your balance on the emergency credit card. Users can prioritize debt by categories such as highest to lowest balance or highest to lowest interest rate.  It also allows users to see the projected debt payoff date based on payment amounts.

5. Spending Tracker (iOS, Android)

If you simply want to Track whether you have spent more than you have earned then there is nothing else to set up. However you have the option to operate in Budget Mode instead. This will allow you, for example, to set a Spending limit of 500 per Month. You can turn on Budget Mode in the Settings screen. By simply logging all your Expense and Income Transactions you will be able to gain better control over your Spending. You can either enter your Transactions from the Summary screen, or from the Transactions screen. Flexible ‘Recurring’ transactions greatly reduce the amount of work required.

6. Slice (iOS, Android)

This keeps all the details from online purchases in one place, from receipts to shipping information. It even sends a notification when your package ships so you can keep an eye out for the delivery truck if you live off-campus. It also keeps your entire purchase history so you can upload it to a budgeting app all at once.

7. Check (iOS, Android)

Check (formerly Pageonce) is more of a payment and bill tracker than a budgeting app, but keeping track of bill payment for the first time can be tough to get used to, especially with everything else on a college student’s plate. You can pay bills directly from the app, so you’ll never pay a late fee, and even track investments, if you’re particularly ambitious!

8. CheckPlease Lite (iOS, Android)

This straightforward app seems like it was built with college students in mind. If you’re out in a large group and need to split the bill many ways, CheckPlease Lite handles it. It can calculate tips and split the bill up to 100 ways. Dorm pizza or ice cream fund, anyone?

9. Receipts Magic Pro (iOS)

The app has integrated powerful OCR and image processing technologies to keep your data where it belongs – on your own phone! Because of this they don’t need to sell you a subscription plan or charge per receipt. And they don’t need to offer a “free” app that makes money by sharing your purchase history. Receipts Magic Pro saves your money as well your identity. The app allows you to save up to ten receipts, then upgrade to unlimited receipts for .99. We want you to try it out and like it before having to part with a buck.

10. Debt Payoff Planner (Android)

Debt Payoff Planner allows you to find the most effective way to pay back debt, whether it’s student loans or your balance on the emergency credit card. Users can prioritize debt by categories such as highest to lowest balance or highest to lowest interest rate.  It also allows users to see the projected debt payoff date based on payment amounts.

mom approved tips, parenting

Mom-Approved Tips: Coping with the Empty Nest

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empty nest

During our student’s senior year of high school we live in a bubble. All sights are set on one goal—getting into college. Students and parents focus on college selection, college applications, financial aid forms, and then we wait. We wait for the offers of admission to come pouring in and then we compare financial aid packages and help them pack their bags for college.

But wait. Is it really that simple? Hardly. Most parents would say it’s anything but simple; it takes work, commitment and perseverance on both parts—parents and students.

Now that your student has graduated, the reality of the truth hits you—your son or daughter is leaving for college. Are they ready? How will they ever survive on their own? How will you survive and cope with the void that’s there when they are gone? Will they be safe? So many questions and concerns are rolling around in your head.

From one parent to another, survival depends on knowing what to expect, what to look for, and how to respond to your student. Here are 5 tips that should help cope with the empty nest:

1. Give yourself time to grieve (then move on)

It probably seems like yesterday that you were bringing your baby boy or girl home from the hospital and now they are preparing to go away for college. Although you always knew that this day would come and you are so proud of their accomplishments thus far, if you are really honest with yourself, there is a part of you that is also dreading it.

For this reason, there’s a pretty good chance that you will experience some separation anxiety, not unlike grief, when your child leaves the nest–often called “empty nest” syndrome. It’s normal for most parents and so while it’s nothing to panic over (or feel embarrassed about), you should give yourself some time to grieve and then move on with your life.

2. Don’t give in to fear

Boy how things have changed since we went to school in the 70’s and 80’s. They’ve even changed since my kids went in the 90’s and 2000’s. It’s a scary world out there and you would be crazy not to be anxious when your kids leave your care every day. But don’t let them see it; they need to feel safe and secure at school. Even though we know they are at risk, we have to trust that the teachers, staff, and administration will do their utmost to assure their safety.

3. Stay in touch (in moderation)

Before your son or daughter leaves for college make plans to stay in touch. Schedule time to communicate and discuss how often you need to hear from them. Don’t be that parent who tapped into campus security cameras so he could follow his daughter’s every move. Give your child some freedom to socialize, study and explore their surroundings. A text every day, a phone call every week, and face time once a month should be enough to help both of you feel connected.

4. Practice tough love

Don’t rescue them from every difficult situation. You know the term–helicopter parenting. It’s important for them to make messes, get hurt, feel disappointment, and even fail at tasks. This helps them develop life skills, achieve happiness, and be successful–the things we so desperately want to give them. Isn’t that what tough love is all about? Love your children so much you set rules, provide clear expectations, and allow them to fail so they can learn.

5. Watch the money

Money will burn a hole in your kid’s pocket. Before they leave for college have a clear understanding of what you plan to contribute toward living expenses and what you expect him to contribute. Explain the difference between wants and needs. Today’s kids are accustomed to instant gratification; but saving for something teaches them that just because they want something, it doesn’t mean they need it. When they are away at college, this will be the first question they ask themselves before pulling out an easily obtained credit card.

Scholarship Friday, scholarships

Happy 4th of July: Attending a Military Academy

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4th of july

A few years ago my family and I attended the 4th of July celebration in Boston, Massachusetts. It’s an overwhelming experience to stand there while they read the Declaration of Independence from the balcony of the Old State House. There’s nothing like standing on the bridge in Concord where the first shot of the revolutionary war rang out our country’s desire to be free from the tyranny of the British. It’s one of those surreal experiences that makes you realize the cost of freedom and all the sacrifices our men in military make every day to protect that freedom.

Serving in the military is one of the noblest of sacrifices and each year college-bound teens aspire to attend one of our nation’s military academies. So today I would like to share a previous post about the steps needed to attend a military academy.

Steps to attending a service academy and/or getting an ROTC scholarship

Happy 4th of July and as you’re celebrating remember that freedom only comes when people are willing to sacrifice for that freedom.

 

parenting, websites

5 Simple Rules for College Parents: A Mini-Course

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Today’s college parents are NOW first responders BUT most parents don’t know how to respond!  Harlan Cohen, New York Times bestselling author of The Naked Roommate and The Naked Roommate For Parents Only is an expert at coaching students and parents about the unexpected and often uncomfortable aspects of college life.

I first came in contact with Harlan when he asked me to review his books and fell in love with the information they provided. I’ve recommended the books to parents and students alike because I feel they offer some of the best and most practical advice about college life.

In response to an overwhelming demand for extra help from parents, Harlan created a free mini-course to help parents prepare for the first year in college: 5 Simple Rules For College Parents. The course alleviates stress and helps parents guide their children through this wildly emotional time of transition. All 5 simple rules last about 10 minutes each, or you can watch the entire mini-course for a little over 45 minutes. Harlan’s down to earth way of getting down to the basics of emotions and offering easy to apply tactics makes this mini-course an excellent resource for parents with college-bound teens.

Watch this simple video for an explanation of the course, then follow the link below to signup. Once you sign up you get a password to access the videos; and it’s absolutely FREE!

 

Sign up for this free mini-course here: 5 Simple Rules for College Parents

 

Wednesdays parent

Wednesday’s Parent: Top 5 Posts about Safety

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“If you were my child, I would staple you to your bedroom wall.”
― Myra McEntire, Hourglass

Safety—are we ever truly safe? Every parent has probably voiced the above words or similar ones at some time or another. All we can do is give our kids the tools they need to avoid those situations that put them in danger. And then we have to let go and trust that it is enough.

safetyToday’s Wednesday’s Parent revisits the topic of safety with my top 5 posts about safety:

6 Campus Safety Apps

It’s sad that we live in a time when we don’t feel safe at school. Schools used to be the safest place for kids, protected by teachers and staff and away from predators. Not anymore.

Safety First

Teaching safety begins when your child begins to walk and touch things. “Watch out it’s hot!” “Be careful, you could hurt yourself.” “Look both ways before you cross the street.” When your kids go off to college you worry about their safety. Why? Because you won’t be there to protect them and see that they stay safe.

6 Campus Safety Talking Points

Parenting on good days can be frightening. You never know when some unexpected event will occur and rock your world. It’s impossible to prepare for every unexpected occurrence, but we can take the time to equip our children with the knowledge and the tools they need to keep themselves from falling into dangerous situations.

Are You Concerned About Campus Security

Even though the thought of your child attending college brings forth feelings of pride and anticipation, if they are going to be living on campus, it’s understandable why it may also evoke a certain amount of concern. We all have read the news stories of unfortunate crimes that have happened at various colleges and universities across the country prompting you to investigate the security and safety of your child’s prospective colleges.

School Shootings—What’s a Parent to Do?

Every parent of college-bound teens should ask this question during the campus visit (preferably not in the presence of your student): what systems do you have in place to protect my child in the event of an emergency such as the Virginia Tech shooting?

Read Wendy’s Post: Safety Revisited

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Wednesday’s child may be full of woe but Wednesday’s Parent can substitute action for anxiety. Each Wednesday Wendy and I will provide parent tips to get and keep your student on the college track. It’s never too late or too early to start!

The bonus is on the fourth Wednesday of each month when Wendy and I will host Twitter chat #CampusChat at 9pm ET/6pm PT. We will feature an expert on a topic of interest for parents of the college-bound.

Wednesday’s Parent will give twice the info and double the blog posts on critical parenting issues by clicking on the link at the end of the article from parentingforcollege to pocsmom.com and vice versa.

App Tuesday

10 Study Apps for Students

1 Comment

 

study appsInstead of study apps, let’s call these “10 apps to help you get merit-aid scholarships”. Improving your GPA is the best way to qualify for merit aid, and the best way to improve your GPA is to study.

Here are 10 study apps that should help your student win merit-aid scholarships:

1. Quizlet

Offering a wide array of subjects, different study modes and a variety of test prep resources, Quizlet allows students to sign up and utilize its study tools free of charge. Students rave about the ease of using the app and the site, along with the awesome tools that Quizlet offers on them.

2. Study Buddy

Do you have a personal study coach? Now you can with the Study Buddy app. Improve your study habits by keeping track of your study time versus distraction time, get efficiency reports, plus use timers and warnings to get you back on track from those breaks that just linger. The app even notes any phone call interruptions, so you can’t sneak in a quick chat on the clock. The cherry on top? Inspirational quotes to keep you motivated at the beginning of each session.

3. Simplemind+

Sometimes it’s hard to make sense of all the thoughts in your head. Luckily, Simplemind+ is a tool which allows you to create mind maps, collect your ideas in one place and improve your brainstorm productivity. Instead of mundane text versions, the mind maps allow you to visualize and connect your thoughts, plus you can hyperlink, share and export them as needed.

4. iStudiez Pro

Easily navigate the overwhelming aspects of student life like tracking your schedule, daily tasks and keep track of upcoming assignments and deadlines. You can also track your grades and calculate your projected GPA for current and past semesters using a variety of grading scales. In addition, you can back up any data you enter by sending it directly to your email or by syncing to your other iOS devices.

5. Open Study

Free tutoring? Who doesn’t love that? Open Study launched a mobile app in May 2012 that gives students access to study assistance, 24 hours a day, seven days a week,gratis. Students can work together or get the help of a volunteer “hero” to solve challenging homework problems and complete assignments.

6. Study Blue

What happens when you’ve memorized every flashcard and definition, backwards and forward? You can use this app to create a review sheet, to have all the information readily available at your fingertips. But, you don’t have a practice exam in front of you…or do you? With this app, students can quiz themselves on the go, so it’s perfect for studying on the way to class, or for getting that last-minute review in before the exam in handed out.

7. Evernote Peek

Sometimes, when we study, we often give ourselves margins of error, and tend to peek at the answers (even if it’s just a tiny bit!) and tell ourselves that we will know the answer when it comes time for the exam. In order to cater to this tendency, and make it useful, Evernote has produced an app that gives students the opportunity to learn by using the cover to their tablet. By lifting the cover, the answers are slowly revealed, thus providing a more useful and helpful study experience.

8. Flashcards

Bringing an ancient learning method bang into the 21st century, Flashcard+ is perhaps the best flashcards app you can find at the moment. You can create your own flashcard decks consisting of as many cards as you want, free of charge. There are also a number of default decks which test you on things like state capitals and math facts. And if you’re in a study group, you can share these decks with your peers. Check if your college or university already uses this app.

9. iHomework

Before school even begins, you will want to start by getting yourself organized. Keep your courses, school work, grades, to-dos, teacher information, and more right at your fingertips with iHomework. The app is integrated with Questia (www.questia.com), a library that provides you with a wealth of material for researching purposes. Sync information between your iPhone, iPod, iPad, and Mac with this useful app. In addition, iCloud support is available for those using iOS 6.

10. Study Habits

Study Habits offers more than 30 strategies for developing effective study skills, including memory techniques such as using acronyms, creating charts and diagrams, and teaching others what one has learned. It also tracks your grades and GPA, helps manage your time, and reminds you of classes and assignments.

 

Helping parents navigate the college maze