Junior-year tasks
* Continue your involvement in school- or community-based extracurricular activities.
* Continue exploring assistive technology.
* Focus on matching your interests and abilities to the appropriate college choice.
* Research the resources in your state to find a college preview event for students with disabilities. If your community has this type of event, plan on attending.
* Look for college campuses that have majors in which you might be interested and the kind of campus community in which you would like to live.
* Identify the appropriate academic adjustments and auxiliary aids and services that you will need in the postsecondary setting.
* Keep a current list of the academic adjustments and auxiliary aids and services you use in high school in your “Going To College” portfolio.
* Consider taking a course to prepare for the SAT or the ACT test.
* Research how to get accommodations on the SAT or ACT.
* Take the SAT or ACT in the spring. Consider taking them more than once.
* Establish a possible career goal (you can always change your mind).
* Think about a possible college major consistent with your career goal and your strengths and interests.
* Learn time management, organizational skills, study skills, assertiveness communication, stress management and test-taking strategies which will help you get good grades.
* Learn how to set short-term and long-term goals.
* Learn how to advocate for yourself — not everyone will understand your disability or be sensitive to your needs.
* Gather information about college programs that offer the disability services you need (you may want to add these to your “Going To College” portfolio).
* Speak with college representatives who visit your high school and at college fairs.
* Visit campuses and especially service providers to verify the available services and how to access them. Or if you can’t visit the campus, take a virtual tour on the college’s Web site. Make sure to check the disability support services section of the college’s site to understand what you need to do to receive academic services and supports.
* Consider people to ask for recommendations — teachers, counselors, employers, coaches, etc.
* Investigate the availability of financial aid from federal, state, local and private sources.
* Investigate the availability of scholarships provided by organizations, such as corporations, labor unions, professional associations, religious organizations and credit unions.
* Continue saving for college.
* Contact the vocational rehabilitation counselor who serves your school to determine your eligibility for vocational rehabilitation's services.
* Invite the VR counselor to attend your planning meeting.
* Make sure that the documentation of your disability is current. Colleges usually want current testing based on adult norms, usually less than three years old when you begin college.
Showing posts with label money. Show all posts
Showing posts with label money. Show all posts
Monday, March 7, 2011
Monday, January 31, 2011
Getting Financial Aid Part 2
Getting financial aid
First, you need to determine your expenses for college such as tuition, books, transportation, housing costs and food. Then you need to determine how much you and your family are able to contribute to your education. The difference between these amounts is considered your financial need.
Applying for financial aid requires effort and determination. Each college has a financial aid office. When you are visiting schools, it is a good idea to stop by this office, ask questions and pick up the paperwork necessary for application. Some colleges offer need-based financial assistance. In these situations, the less money you or your family has, the greater the chance that you can receive financial assistance from the college.
It’s also important to find out how each school defines part-time and full-time students. Your financial awards could be affected by how many courses you take each semester. For example, allowances for room and board may be eliminated entirely for students enrolled less than half time. Be sure to check with the financial aid office about all options available at the college.
You can count on having to fill out the Free Application for Federal Student Aid form that is online at www.fafsa.ed.gov. Many libraries and financial aid offices also have a hard copy. Start looking into this your senior year and check your college’s due date. You will also need your tax return from the previous year and your pay stubs. Additional information may be required. You can send this application to six schools. Being early and accurate in your application is considered to be one of the most important steps in securing aid.
Check with your guidance office to see if there is a specific person that works with students on financial aid options. Often schools will hold meetings during the evening or at other times for students and families to learn how to complete a FAFSA form, or the guidance office will provide Web sites for you to explore various scholarship or loan programs.
Scholarships
There are several ways to locate scholarships. Each scholarship has different criteria, application processes and deadlines.
1. Check the College Board Web site to search scholarships.
2. Ask at your high school for information about local scholarships.
3. For scholarships for persons with disabilities, see pages 15-19 of Creating Options: 2007 Financial Aid for Individuals with Disabilities [PDF].
Budgeting your money
Learning to manage your money goes hand in hand with getting financial assistance. You may be surprised how many credit card companies are willing to issue a card to you. Many times, you will be walking around campus and you’ll find a credit card representative wanting you to sign up for a credit card. Usually they will try and entice you with a freebie like a T-shirt. It is important to talk with a family member or someone who knows you well to discuss obtaining a credit card. If you are not a good money manager, it is not recommended to accept and use these cards while at school. Many companies charge high interest on unpaid balances.
First, you need to determine your expenses for college such as tuition, books, transportation, housing costs and food. Then you need to determine how much you and your family are able to contribute to your education. The difference between these amounts is considered your financial need.
Applying for financial aid requires effort and determination. Each college has a financial aid office. When you are visiting schools, it is a good idea to stop by this office, ask questions and pick up the paperwork necessary for application. Some colleges offer need-based financial assistance. In these situations, the less money you or your family has, the greater the chance that you can receive financial assistance from the college.
It’s also important to find out how each school defines part-time and full-time students. Your financial awards could be affected by how many courses you take each semester. For example, allowances for room and board may be eliminated entirely for students enrolled less than half time. Be sure to check with the financial aid office about all options available at the college.
You can count on having to fill out the Free Application for Federal Student Aid form that is online at www.fafsa.ed.gov. Many libraries and financial aid offices also have a hard copy. Start looking into this your senior year and check your college’s due date. You will also need your tax return from the previous year and your pay stubs. Additional information may be required. You can send this application to six schools. Being early and accurate in your application is considered to be one of the most important steps in securing aid.
Check with your guidance office to see if there is a specific person that works with students on financial aid options. Often schools will hold meetings during the evening or at other times for students and families to learn how to complete a FAFSA form, or the guidance office will provide Web sites for you to explore various scholarship or loan programs.
Scholarships
There are several ways to locate scholarships. Each scholarship has different criteria, application processes and deadlines.
1. Check the College Board Web site to search scholarships.
2. Ask at your high school for information about local scholarships.
3. For scholarships for persons with disabilities, see pages 15-19 of Creating Options: 2007 Financial Aid for Individuals with Disabilities [PDF].
Budgeting your money
Learning to manage your money goes hand in hand with getting financial assistance. You may be surprised how many credit card companies are willing to issue a card to you. Many times, you will be walking around campus and you’ll find a credit card representative wanting you to sign up for a credit card. Usually they will try and entice you with a freebie like a T-shirt. It is important to talk with a family member or someone who knows you well to discuss obtaining a credit card. If you are not a good money manager, it is not recommended to accept and use these cards while at school. Many companies charge high interest on unpaid balances.
Monday, May 31, 2010
Why Go to College?
If you are uncertain about going to college or if you just need some reassurance that you're on the right track, here are a few reasons to go to college:
• Every bit of education you get after high school increases the chances you'll earn good pay. Most college graduates earn a lot more money during their working years than people who stop their education after high school graduation.
• Besides good pay, the more education you get the more likely it is you will always have a job. According to one estimate, by the year 2028 there will be 19 million more jobs for educated workers than there are qualified people to fill them.
• Continuing education after high school is much more important for your generation than it was for your parents' generation. Today, most good jobs require more than a high school diploma. Businesses want to hire people who know how to think and solve problems.
• Education beyond high school gives you a lot of other benefits, such as meeting new people, taking part in new opportunities to discover and explore your interests, and experiencing success.
• Every bit of education you get after high school increases the chances you'll earn good pay. Most college graduates earn a lot more money during their working years than people who stop their education after high school graduation.
• Besides good pay, the more education you get the more likely it is you will always have a job. According to one estimate, by the year 2028 there will be 19 million more jobs for educated workers than there are qualified people to fill them.
• Continuing education after high school is much more important for your generation than it was for your parents' generation. Today, most good jobs require more than a high school diploma. Businesses want to hire people who know how to think and solve problems.
• Education beyond high school gives you a lot of other benefits, such as meeting new people, taking part in new opportunities to discover and explore your interests, and experiencing success.
Tuesday, May 4, 2010
Why take AP Classes?
If you’re planning to go to college and your high school offers AP classes, you should take advantage of the opportunity. The successful completion of Advanced Placement classes has benefits during both the college application process and undergraduate life. Below are six of the biggest advantages to taking AP classes.
1. Impress College Admission Counselors
At nearly every college in the country, your academic record is the most important part of your college application. The folks in the admissions office want to see that you’ve taken the most challenging courses available to you. Success in difficult courses is the surest sign of your preparedness for college. The most challenging courses, of course, are college-level Advanced Placement classes.
2. Develop College-Level Academic Skills
AP classes require the type of high-level calculating and critical thinking that you’ll encounter in your first year of college. If you can write essays and solve problems successfully for an AP class, you’ve reached the level of many of the skills that will lead to success in college.
3. Save Money
If you take enough Advanced Placement classes, you can potentially graduate from college a semester or even a year early. Early graduation isn’t always a good idea, but for a student who isn’t receiving financial aid, it can save tens of thousands of dollars...
4. Choose a Major Sooner
AP classes can help with your selection of a major in two ways. First, each course provides an in-depth introduction to a specific subject area. Second, a high score on an AP exam often fulfills one of a college’s general education requirements. This means you’ll have more room in your schedule to explore different academic fields early in your undergraduate career.
5. Take More Elective Classes in College
Not only do AP classes help you zero in on a major sooner, but they also free up your schedule so you can take more elective classes (college classes that are not required for graduation). For many students, a college’s general education requirements and major requirements leave little room for fun and exploratory classes. If you want to take that interesting class on glass blowing or dance, AP credits will make it much easier to fit the course in your schedule.
6. Add a Minor or Second Major More Easily
If you’re particularly driven and have multiple interests, AP credits can make it more feasible to add a minor (or two) or even a second major to your undergraduate academic plan. With a standard work load and no AP credits, you might find it impossible to complete the requirements for two majors in four years.
1. Impress College Admission Counselors
At nearly every college in the country, your academic record is the most important part of your college application. The folks in the admissions office want to see that you’ve taken the most challenging courses available to you. Success in difficult courses is the surest sign of your preparedness for college. The most challenging courses, of course, are college-level Advanced Placement classes.
2. Develop College-Level Academic Skills
AP classes require the type of high-level calculating and critical thinking that you’ll encounter in your first year of college. If you can write essays and solve problems successfully for an AP class, you’ve reached the level of many of the skills that will lead to success in college.
3. Save Money
If you take enough Advanced Placement classes, you can potentially graduate from college a semester or even a year early. Early graduation isn’t always a good idea, but for a student who isn’t receiving financial aid, it can save tens of thousands of dollars...
4. Choose a Major Sooner
AP classes can help with your selection of a major in two ways. First, each course provides an in-depth introduction to a specific subject area. Second, a high score on an AP exam often fulfills one of a college’s general education requirements. This means you’ll have more room in your schedule to explore different academic fields early in your undergraduate career.
5. Take More Elective Classes in College
Not only do AP classes help you zero in on a major sooner, but they also free up your schedule so you can take more elective classes (college classes that are not required for graduation). For many students, a college’s general education requirements and major requirements leave little room for fun and exploratory classes. If you want to take that interesting class on glass blowing or dance, AP credits will make it much easier to fit the course in your schedule.
6. Add a Minor or Second Major More Easily
If you’re particularly driven and have multiple interests, AP credits can make it more feasible to add a minor (or two) or even a second major to your undergraduate academic plan. With a standard work load and no AP credits, you might find it impossible to complete the requirements for two majors in four years.
Thursday, April 29, 2010
Tips for Paying for College
Getting admitted to your choice college is only half the battle; the other half is figuring out how to pay for it. The competition for resources can be stiff, especially in tough economic times. The most important rule to planning so that you can take advantage of financial aid is to start early.
1. Start researching aid possibilities sooner rather than later. The competition for aid increases when the economy is weak. Those who plan ahead for the aid process will do much better than those who procrastinate and miss deadlines.
2. Take steps that improve your aid eligibility. For example, if someone in your family has lost a job, avoid the temptation to spend any assets in the retirement plan. In addition to the likely early distribution penalties and additional income taxes, the higher income will reduce your aid eligibility.
3. Apply for financial aid no matter what you think of your financial circumstances — good or bad. Applying by the priority deadlines, even if you think you won’t qualify, will help you if your finances take a turn for the worst. Some schools will only accept requests for reconsideration due to a decline in income from those students who filed for aid on time — even if they were turned down initially.
4. You should still not initially rule out any school as being too expensive. Many colleges — especially the private ones — have increased their aid budgets to attract applicants whose families are now more price resistant given the state of the economy. But have a back-up plan in case the aid is not enough to attend those pricier schools. Most likely this will mean also applying to a public institution in your home state and/or any school where the student can live at home instead of paying for room and board.
5. Pay less for a four-year degree. One way you can save on costs if you attend a community college for two years and then transfers to a pricier school for his or her remaining two years. However, be sure that the college where you want to transfer will accept the credits from the community college.
6. Take as many AP courses as reasonably possible and prepare yourself well for the AP exams. High scores on AP exams can save considerably on college tuition. Many colleges award course credits for them, which can reduce the amount you need to pay in tuition.
7. Apply strategically to colleges. If you exceed the school’s admission criteria, you are much more likely to get a better aid package than a marginal applicant. Be sure to prepare for the standardized tests like the SAT or ACT.
8. Be realistic about how much debt you and your family can incur, given the starting salaries for your probable major and career path.
9. If you have to borrow, pursue federal loans first and avoid having taking private loans at all costs.
10. If your circumstances have a taken a turn for the worst, request additional aid. But expect that the college may require considerable supporting documentation.
1. Start researching aid possibilities sooner rather than later. The competition for aid increases when the economy is weak. Those who plan ahead for the aid process will do much better than those who procrastinate and miss deadlines.
2. Take steps that improve your aid eligibility. For example, if someone in your family has lost a job, avoid the temptation to spend any assets in the retirement plan. In addition to the likely early distribution penalties and additional income taxes, the higher income will reduce your aid eligibility.
3. Apply for financial aid no matter what you think of your financial circumstances — good or bad. Applying by the priority deadlines, even if you think you won’t qualify, will help you if your finances take a turn for the worst. Some schools will only accept requests for reconsideration due to a decline in income from those students who filed for aid on time — even if they were turned down initially.
4. You should still not initially rule out any school as being too expensive. Many colleges — especially the private ones — have increased their aid budgets to attract applicants whose families are now more price resistant given the state of the economy. But have a back-up plan in case the aid is not enough to attend those pricier schools. Most likely this will mean also applying to a public institution in your home state and/or any school where the student can live at home instead of paying for room and board.
5. Pay less for a four-year degree. One way you can save on costs if you attend a community college for two years and then transfers to a pricier school for his or her remaining two years. However, be sure that the college where you want to transfer will accept the credits from the community college.
6. Take as many AP courses as reasonably possible and prepare yourself well for the AP exams. High scores on AP exams can save considerably on college tuition. Many colleges award course credits for them, which can reduce the amount you need to pay in tuition.
7. Apply strategically to colleges. If you exceed the school’s admission criteria, you are much more likely to get a better aid package than a marginal applicant. Be sure to prepare for the standardized tests like the SAT or ACT.
8. Be realistic about how much debt you and your family can incur, given the starting salaries for your probable major and career path.
9. If you have to borrow, pursue federal loans first and avoid having taking private loans at all costs.
10. If your circumstances have a taken a turn for the worst, request additional aid. But expect that the college may require considerable supporting documentation.
Thursday, March 18, 2010
The Latest and Greatest
Well I must have forgotten that we created this blog to document the growth of the Bing Foundation and our non-profit endeavors. Either that or I am just too busy trying to work 80 hours a week and get this business of the ground...
Since the last post in January the Foundation has become completely financially stable. We have officially earned back every cent that was invested to launch our company and then some. Thanks to the Sam's Club Foundation, and some smaller donors we are in the black! That made my wife happy, now we saw something for all my efforts.
We are now official registered as a non-profit on www.GuideStar.com (a leading registry and information provider for non-profits and prospective donors - essentially linking those who want to give with the cause they want to support). We have also started a cause on Facebook and have a Facebook group you can follow for more news and updates.
Aside from all the phone calls, email, letters, and visits to local businesses we have also submitted dozens of grant applications of various other charities, foundations, and companies who have supported education with donations and grants in the past. Most applications are still pending the final results. I am very hopeful for the local interest in our efforts to not only award scholarship funds, but reach out to high school students to prepare them for college as well.
The Foundation's latest endeavor involves sending volunteer counselors to the local high schools for career and college fairs, college workshops, as well as setting up in the Counselor's Office or Career Center (when I was in high school there was no such thing as a career center at each school...). All our counselors are thoroughly trained in college admissions, and have had extensive background checks. The idea is individual time with each student or small groups of students to get them ready for the college application process and walk them through step by step. Don't you wish you had a personal admissions counselor to help you when you went to college?
I know the kids really appreciate it a lot. The school districts like it too because it opens up time for their counselors to do more counseling for the struggling students and those that would not have been seen otherwise. And we get to work with thousands of students in the local districts - making a visible difference in a short amount of time!
For all the hard work, I really love my job! Speaking of jobs, we are seeking to hire donation representative (letter writers and phone warriors) to expand our list of potential donors, raise awareness, and earn money while helping change the future of education in this country. Call, email, text, or message me on facebook or linkedin. Be prepared for a short interview and have a resume handy!
Since the last post in January the Foundation has become completely financially stable. We have officially earned back every cent that was invested to launch our company and then some. Thanks to the Sam's Club Foundation, and some smaller donors we are in the black! That made my wife happy, now we saw something for all my efforts.
We are now official registered as a non-profit on www.GuideStar.com (a leading registry and information provider for non-profits and prospective donors - essentially linking those who want to give with the cause they want to support). We have also started a cause on Facebook and have a Facebook group you can follow for more news and updates.
Aside from all the phone calls, email, letters, and visits to local businesses we have also submitted dozens of grant applications of various other charities, foundations, and companies who have supported education with donations and grants in the past. Most applications are still pending the final results. I am very hopeful for the local interest in our efforts to not only award scholarship funds, but reach out to high school students to prepare them for college as well.
The Foundation's latest endeavor involves sending volunteer counselors to the local high schools for career and college fairs, college workshops, as well as setting up in the Counselor's Office or Career Center (when I was in high school there was no such thing as a career center at each school...). All our counselors are thoroughly trained in college admissions, and have had extensive background checks. The idea is individual time with each student or small groups of students to get them ready for the college application process and walk them through step by step. Don't you wish you had a personal admissions counselor to help you when you went to college?
I know the kids really appreciate it a lot. The school districts like it too because it opens up time for their counselors to do more counseling for the struggling students and those that would not have been seen otherwise. And we get to work with thousands of students in the local districts - making a visible difference in a short amount of time!
For all the hard work, I really love my job! Speaking of jobs, we are seeking to hire donation representative (letter writers and phone warriors) to expand our list of potential donors, raise awareness, and earn money while helping change the future of education in this country. Call, email, text, or message me on facebook or linkedin. Be prepared for a short interview and have a resume handy!
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