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.
Monday, January 31, 2011
Monday, January 24, 2011
Getting Financial Aid Part 1
Money matters
Going to college is expensive, but you do have some financial options. Generally, community colleges are the least expensive, followed by four-year public colleges, with the most expensive being the four-year private universities. Don’t rule out an expensive college of your choice until you have researched the array of financial aid options available to you. Most people will create their own financial aid packages that include dollars that their family can contribute, personal savings, awarded scholarships and federal loans.
What is financial aid?
Financial aid is monetary assistance that allows individuals to pay the costs of attending college when their own resources are not enough. Some aid, such as scholarships, does not need to be repaid, while other assistance, like loans, does need to be repaid.
There are four types of financial aid (Heath Resource Center, 2007):
1. Grants – Aid that generally does not have to be repaid.
2. Loans – Money borrowed to cover school costs, which must be repaid, usually with interest, over a specified period of time, typically after the student has graduated or left school. The interest on these loans is often reduced from general public rates.
3. Work-study – Employment that enables a student to earn money toward a portion of school costs during or between periods of enrollment. These usually on-campus positions are supplemented by the federal government. Students are awarded work-study positions through the Federal Student Aid application. However, a student must interview and be hired for each position that is worked.
4. Scholarships – Gifts and awards based on a student’s academic achievement, background or other criteria. Sometimes scholarships are one time only; others require the student to maintain a specific GPA to be entitled for renewal.
Going to college is expensive, but you do have some financial options. Generally, community colleges are the least expensive, followed by four-year public colleges, with the most expensive being the four-year private universities. Don’t rule out an expensive college of your choice until you have researched the array of financial aid options available to you. Most people will create their own financial aid packages that include dollars that their family can contribute, personal savings, awarded scholarships and federal loans.
What is financial aid?
Financial aid is monetary assistance that allows individuals to pay the costs of attending college when their own resources are not enough. Some aid, such as scholarships, does not need to be repaid, while other assistance, like loans, does need to be repaid.
There are four types of financial aid (Heath Resource Center, 2007):
1. Grants – Aid that generally does not have to be repaid.
2. Loans – Money borrowed to cover school costs, which must be repaid, usually with interest, over a specified period of time, typically after the student has graduated or left school. The interest on these loans is often reduced from general public rates.
3. Work-study – Employment that enables a student to earn money toward a portion of school costs during or between periods of enrollment. These usually on-campus positions are supplemented by the federal government. Students are awarded work-study positions through the Federal Student Aid application. However, a student must interview and be hired for each position that is worked.
4. Scholarships – Gifts and awards based on a student’s academic achievement, background or other criteria. Sometimes scholarships are one time only; others require the student to maintain a specific GPA to be entitled for renewal.
Monday, January 17, 2011
Interviews: Applying for college
More from the students interviewed about applying to college:
Jenna:
I went ahead and started getting my application for college at the end of my junior year, and with the application you fill it out, a lot of times you can do it online but I did a paper application so that way I could make sure everything was right and also wanted to make copies of it in case something happened and it got lost in the mail, or something happened online I wouldn’t be able to have that paper right in front of me. So you fill out the applications, usually you have to get recommendations from teachers, maybe somebody in the community that knows you very well, and you want to get it from people who will say good things about you, and people who know you well, know you very well, you don’t want to get relatives - a mom or a dad - but you want to get maybe a teacher that you’ve had for a couple of years, or that you feel comfortable with giving you that recommendation. And also you have to write an application essay. The essay doesn’t have to be like 3 pages. Most of the time sometimes you get to pick your own essay and write whatever you want and it’s about maybe a page and a half long. I think mine was about 2 pages. And then another college that I applied for, they actually gave you questions that you had to answer, and it was like 2 questions and had to be a page long for each one of them. A lot of the times the … the essay is optional but you want to make yourself stand out in front of all those other applicants, so put in the essay.
Maria:
I did disclose my disability in my essay. I think a lot of the college essays were asking like, who are you, why are you going to this school, and your family background or something. So for me, it just came up because it fit in the question. I don’t think I went out of my way to say it, if the question had been like well what do you think of world peace in 20 years or something, I don’t think it would have come up. But because it fit within the college application question, I did put it out there because I felt it was a unique part of me and the whole college experience, the application process is, you’re supposed to make yourself stand out. And I don’t think a learning disability is anything anyone should be ashamed of, so I felt it was something I could use to make me stand out from another student.
Andrea:
I’d definitely disclose my disability in my master’s level of my PhD level applications, but only to the extent, like very briefly to the extent to express why I was interested in the field I was … how my interest got sparked, how my research interests were sparked. And then I move right away from that right into my interests. That can be … I feel very careful about including that information up front. There’s a way to do it if you’re going to do it, to do it in a way that shows … how that helped you be where you are without going into incredible detail because you want the people in the college to focus on your academic ability, and then the disability is part of who you are but it’s not all of who you are and don’t want your academic ability and your other abilities to get overshadowed by the talk of disability up front. So I think it can be really good to put it in there, but like weave it into your story rather than it’s the primary focus of your story.
Jenna:
I disclosed my disability in my essay but I made sure that I talked about all my strengths and didn’t focus so much on my weaknesses and what I couldn’t do, but I focused on how it helped me become a better person in life and what I plan to do and my career goals.
Jenna:
I went ahead and started getting my application for college at the end of my junior year, and with the application you fill it out, a lot of times you can do it online but I did a paper application so that way I could make sure everything was right and also wanted to make copies of it in case something happened and it got lost in the mail, or something happened online I wouldn’t be able to have that paper right in front of me. So you fill out the applications, usually you have to get recommendations from teachers, maybe somebody in the community that knows you very well, and you want to get it from people who will say good things about you, and people who know you well, know you very well, you don’t want to get relatives - a mom or a dad - but you want to get maybe a teacher that you’ve had for a couple of years, or that you feel comfortable with giving you that recommendation. And also you have to write an application essay. The essay doesn’t have to be like 3 pages. Most of the time sometimes you get to pick your own essay and write whatever you want and it’s about maybe a page and a half long. I think mine was about 2 pages. And then another college that I applied for, they actually gave you questions that you had to answer, and it was like 2 questions and had to be a page long for each one of them. A lot of the times the … the essay is optional but you want to make yourself stand out in front of all those other applicants, so put in the essay.
Maria:
I did disclose my disability in my essay. I think a lot of the college essays were asking like, who are you, why are you going to this school, and your family background or something. So for me, it just came up because it fit in the question. I don’t think I went out of my way to say it, if the question had been like well what do you think of world peace in 20 years or something, I don’t think it would have come up. But because it fit within the college application question, I did put it out there because I felt it was a unique part of me and the whole college experience, the application process is, you’re supposed to make yourself stand out. And I don’t think a learning disability is anything anyone should be ashamed of, so I felt it was something I could use to make me stand out from another student.
Andrea:
I’d definitely disclose my disability in my master’s level of my PhD level applications, but only to the extent, like very briefly to the extent to express why I was interested in the field I was … how my interest got sparked, how my research interests were sparked. And then I move right away from that right into my interests. That can be … I feel very careful about including that information up front. There’s a way to do it if you’re going to do it, to do it in a way that shows … how that helped you be where you are without going into incredible detail because you want the people in the college to focus on your academic ability, and then the disability is part of who you are but it’s not all of who you are and don’t want your academic ability and your other abilities to get overshadowed by the talk of disability up front. So I think it can be really good to put it in there, but like weave it into your story rather than it’s the primary focus of your story.
Jenna:
I disclosed my disability in my essay but I made sure that I talked about all my strengths and didn’t focus so much on my weaknesses and what I couldn’t do, but I focused on how it helped me become a better person in life and what I plan to do and my career goals.
Monday, January 10, 2011
Letters of recommendation
Getting letters of recommendation requires some thought. It is best to ask adults who know you well and with whom you have had a positive experience to write a letter of recommendation. It can be someone from your school (i.e., a teacher, a guidance counselor, a sports coach or a teacher who oversees an after school club). Or it could be adults who you know well that are in your community (i.e., a neighbor you have assisted, an employer or a scout leader). You need to make sure that individuals writing a letter of recommendation know if you want them to include in their letter that you have a disability. Again, this decision is a personal one and if you decide that information about your disability can be included, the information needs to help demonstrate what you have accomplished.
The process of requesting letters of recommendation has some unwritten rules and expectations:
* Always ask individuals if they would be willing to give you a positive letter of recommendation to a specific college.
* Ask individuals well in advance of your application deadlines (at least two weeks, or if you are asking a teacher or guidance counselor, check with them about how long they need to get a letter ready for you).
* Gather all of the information the individual will need and give it to the person at one time — such as a stamped, addressed envelope; the recommendation form or information requested by the college; the program you are interested in studying; and also a summary paragraph of your activities related to this individual to refresh their memory or a sample paragraph of qualities or traits that you feel you exhibit.
* Send your references a short thank-you note for their time and thoughtful consideration.
The process of requesting letters of recommendation has some unwritten rules and expectations:
* Always ask individuals if they would be willing to give you a positive letter of recommendation to a specific college.
* Ask individuals well in advance of your application deadlines (at least two weeks, or if you are asking a teacher or guidance counselor, check with them about how long they need to get a letter ready for you).
* Gather all of the information the individual will need and give it to the person at one time — such as a stamped, addressed envelope; the recommendation form or information requested by the college; the program you are interested in studying; and also a summary paragraph of your activities related to this individual to refresh their memory or a sample paragraph of qualities or traits that you feel you exhibit.
* Send your references a short thank-you note for their time and thoughtful consideration.
Monday, January 3, 2011
Applying - The Essay
Each college application will provide guidance and instruction regarding your personal essay. Some colleges will ask you to write on a specific topic or will ask a series of questions for you to answer. Others will have a more open approach, allowing you to write on a specific topic of your choice. The essay is a way for a college to see a more personal side of you in addition to your application. All essays involve choice and your choices will reflect your preferences, values and thought processes. It is recommended that your essay be focused and specific. Your writing can reflect your organizational skills, your power of persuasion and your general mastery of standard written English. For more information, visit the College Board’s Web site.
Expect to write several drafts of your personal essay. This essay provides an opportunity to briefly express who you are, highlight your strengths, ambitions and values, and convince the readers that you would be a good candidate for their college.
Some students elect to briefly disclose (reveal) their disability in a positive way, especially when it has taught them an important skill or value, such as to be creative or “think outside of the box.” You should carefully consider this decision, and talk with your guidance counselor or teacher about including this information. If you decide to talk about your disability, remember to keep it positive and brief, and focus on your strengths and what you can do. Keep in mind that nowhere on the college application will there be questions about having a disability, so unless you tell them, the college will not know. Also, having a disability is not factored into your application review.
Share drafts of your essay with an English teacher or guidance counselor for input. Remember: if you are sending the same essay to a number of colleges, make sure you use the correct college name in the essay. This mistake is common and made by all students applying for college, so remember to proofread your work!
Expect to write several drafts of your personal essay. This essay provides an opportunity to briefly express who you are, highlight your strengths, ambitions and values, and convince the readers that you would be a good candidate for their college.
Some students elect to briefly disclose (reveal) their disability in a positive way, especially when it has taught them an important skill or value, such as to be creative or “think outside of the box.” You should carefully consider this decision, and talk with your guidance counselor or teacher about including this information. If you decide to talk about your disability, remember to keep it positive and brief, and focus on your strengths and what you can do. Keep in mind that nowhere on the college application will there be questions about having a disability, so unless you tell them, the college will not know. Also, having a disability is not factored into your application review.
Share drafts of your essay with an English teacher or guidance counselor for input. Remember: if you are sending the same essay to a number of colleges, make sure you use the correct college name in the essay. This mistake is common and made by all students applying for college, so remember to proofread your work!
Monday, December 27, 2010
Apply to College
Before you get started, think about how you would answer the following questions.
1. What is the best way for you to manage multiple deadlines?
2. What resources are available in your high school to help you write an impressive personal essay for your college application?
3. What are some advantages and disadvantages of disclosing your disability in your college essay?
Application overview
The college application process can occur over the course of a year. Each college has its own application requirements, form, fees, due dates and acceptance procedures. It is important to keep track of this information in a manageable way.
Getting in
Initially, similar to a job application, it is important to look good on paper. Most college application packets will require the actual completed application, your high school transcripts, your college admissions test scores, a personal essay, a few references and your payment submitted by a particular due date.
Most colleges will have an application form to complete online. You will be asked to attach your essay and other information to the application. Your guidance department will submit your transcripts, so it is critical that you allow enough time for the guidance department to submit your transcripts before the due date of your application. Make sure to have a family member or friend review your application to make sure all sections are completed. It is easy to miss or skip a section. Applications must be fully completed to be accepted.
1. What is the best way for you to manage multiple deadlines?
2. What resources are available in your high school to help you write an impressive personal essay for your college application?
3. What are some advantages and disadvantages of disclosing your disability in your college essay?
Application overview
The college application process can occur over the course of a year. Each college has its own application requirements, form, fees, due dates and acceptance procedures. It is important to keep track of this information in a manageable way.
Getting in
Initially, similar to a job application, it is important to look good on paper. Most college application packets will require the actual completed application, your high school transcripts, your college admissions test scores, a personal essay, a few references and your payment submitted by a particular due date.
Most colleges will have an application form to complete online. You will be asked to attach your essay and other information to the application. Your guidance department will submit your transcripts, so it is critical that you allow enough time for the guidance department to submit your transcripts before the due date of your application. Make sure to have a family member or friend review your application to make sure all sections are completed. It is easy to miss or skip a section. Applications must be fully completed to be accepted.
Monday, December 20, 2010
Interview with a Counselor - Picking a Major
Hi. I’m Erica Lovelace and I’d like to talk to you all today about choosing a major and some considerations that you might want to look at as you’re planning your future. One of the things that I first want to tell you is where I’m from. I’m from the Department of Rehabilitative Services which is also known as Vocational Rehabilitation. And I say that because you all might be interested in contacting your local VR office to see whether or not they may be able to offer you some assistance in helping you determine your major. They have the ability to do some career assessments, career guidance and counseling and exploration. It’s an excellent resource that you all might wanna consider as you’re planning your college career and looking at what is your major study and what types of employment opportunities might you engage in once you’ve completed your education.
Some of the things that you might wanna consider on your own when you’re looking at a major is what are you interested in, what are the things that you like to do as a hobby, as a vocation, those are things that might direct you in choosing your major. Some of the other things that you might wanna consider are not feeling that you have to choose a major immediately. You don’t have to declare your major until sometimes after your second year. The first year to that you’re enrolled in a college program, you’re really concentrating on your core courses: Your English, your math, your history, your science. You also have to get some electives in. What an opportunity to use those electives to help you determine what your major is going to be. You can look at all of the programs that are available, take a few electives in courses that you think you might be interested in and have that help you as a guide and a tool to use as you’re choosing your major.
Some other things that you wanna consider are following your heart. Look at what it is that you truly want to do. I’ve worked with students for quite a few years and I’ve seen so many students that go into a program based on the amount of money they’re going to be able to earn and it really hasn’t been a good match. The money is not the most important thing when you’re considering choosing a major in your ultimate employment. You’re gonna work many, many years. It’s important that you’re working in a field that you enjoy and that you have a passion for. So keep that in mind and follow your heart in what it is that you really wanna do and the environment that you really wanna be involved in.
You’re also going to get a lot of information from many, many different people. Don’t feel pressured into choosing a major based on the influence and the opinions of others. It has to be something that you’re really interested in. Once you’re looking at your major consider the entire course work. There’s probably gonna be some courses that you may or may not like. So as you’re picking your major look at the entire requirements for the degree program and what the courses are that you’re gonna have to take to satisfy that major.
You might also wanna look at the employment areas that are going to be available to you once you complete a major. You certainly don’t wanna pick a major only to find out that the employment arena for that major is either decreasing and or the jobs are being outsourced, so your likelihood of finding suitable employment is not very great. So keep that in mind. And along those lines some things that you might wanna do while you’re still in high school during your summers in helping you choose a major is to actually visit some employers where you think they have the types of jobs that you might eventually be interested in. Do some informational interviewing where you meet with the employer or you meet with an employee within a certain company and you talk to that employee and you ask some very pointed questions. What type of training do they require, what were their interest, what do they like about the job they’re doing, what do they dislike about the job that they’re currently doing, what is a typical day like for them. And maybe one of the most important questions is if they had it to do over again, would they still choose the same field.
The next step that you can do after the informational interviewing is visit a job site. Ask an employer or an HR Department if you could do some job shadowing where you actually are with an employee for a day, a half a day or a prescribed amount of time and you actually follow that individual for a day and you observe what their activities are and the interaction that they’re required to do with others and the actual work that they are assigned. Those are some good ideas to consider when you’re looking at choosing a major.
The other thing that you might wanna consider when you’re looking at your major and as it ties into employment opportunities what types of additional training might be required beyond completion of a bachelor’s degree. Are you looking at a field that is going to require a master’s degree or certification training or perhaps a PhD? Those might be things that you want to consider as you’re looking at choosing a major. There’s places where you can get information on labor market trends, so that you can look at. What are the jobs that are increasing in demand over a period of time? And if those are jobs that are going to become available and their areas of interest you might wanna look at at the majors.
One of the things that as a VR Counselor, I encourage individuals to do is focus on your employment goal. Look at your employment goal and what are the requirements of that employment goal as opposed to necessarily focusing in on a degree or a major, but look at the actual work that you’re interested in and what are the requirements to meet those work requirements.
Another thing that you might wanna consider in choosing a major is what are the expectations from the university. Are you required to get above a 2.0? Some universities require that you have a 3.0 in your chosen major. Those are some things that you might wanna consider before selecting a major.
Some of the other things that you might wanna look at is whether or not a foreign language is required. Do you have to take a foreign language to satisfy that major? And you need to know these things at the beginning of selecting your major. Not at the end when you’re anticipating having your degree.
In closing, I hope that you found some of these ideas helpful and that you’ll use some of the ideas. Most importantly follow your heart, have fun, explore your options as you’re choosing your major. Thank you so much.
Some of the things that you might wanna consider on your own when you’re looking at a major is what are you interested in, what are the things that you like to do as a hobby, as a vocation, those are things that might direct you in choosing your major. Some of the other things that you might wanna consider are not feeling that you have to choose a major immediately. You don’t have to declare your major until sometimes after your second year. The first year to that you’re enrolled in a college program, you’re really concentrating on your core courses: Your English, your math, your history, your science. You also have to get some electives in. What an opportunity to use those electives to help you determine what your major is going to be. You can look at all of the programs that are available, take a few electives in courses that you think you might be interested in and have that help you as a guide and a tool to use as you’re choosing your major.
Some other things that you wanna consider are following your heart. Look at what it is that you truly want to do. I’ve worked with students for quite a few years and I’ve seen so many students that go into a program based on the amount of money they’re going to be able to earn and it really hasn’t been a good match. The money is not the most important thing when you’re considering choosing a major in your ultimate employment. You’re gonna work many, many years. It’s important that you’re working in a field that you enjoy and that you have a passion for. So keep that in mind and follow your heart in what it is that you really wanna do and the environment that you really wanna be involved in.
You’re also going to get a lot of information from many, many different people. Don’t feel pressured into choosing a major based on the influence and the opinions of others. It has to be something that you’re really interested in. Once you’re looking at your major consider the entire course work. There’s probably gonna be some courses that you may or may not like. So as you’re picking your major look at the entire requirements for the degree program and what the courses are that you’re gonna have to take to satisfy that major.
You might also wanna look at the employment areas that are going to be available to you once you complete a major. You certainly don’t wanna pick a major only to find out that the employment arena for that major is either decreasing and or the jobs are being outsourced, so your likelihood of finding suitable employment is not very great. So keep that in mind. And along those lines some things that you might wanna do while you’re still in high school during your summers in helping you choose a major is to actually visit some employers where you think they have the types of jobs that you might eventually be interested in. Do some informational interviewing where you meet with the employer or you meet with an employee within a certain company and you talk to that employee and you ask some very pointed questions. What type of training do they require, what were their interest, what do they like about the job they’re doing, what do they dislike about the job that they’re currently doing, what is a typical day like for them. And maybe one of the most important questions is if they had it to do over again, would they still choose the same field.
The next step that you can do after the informational interviewing is visit a job site. Ask an employer or an HR Department if you could do some job shadowing where you actually are with an employee for a day, a half a day or a prescribed amount of time and you actually follow that individual for a day and you observe what their activities are and the interaction that they’re required to do with others and the actual work that they are assigned. Those are some good ideas to consider when you’re looking at choosing a major.
The other thing that you might wanna consider when you’re looking at your major and as it ties into employment opportunities what types of additional training might be required beyond completion of a bachelor’s degree. Are you looking at a field that is going to require a master’s degree or certification training or perhaps a PhD? Those might be things that you want to consider as you’re looking at choosing a major. There’s places where you can get information on labor market trends, so that you can look at. What are the jobs that are increasing in demand over a period of time? And if those are jobs that are going to become available and their areas of interest you might wanna look at at the majors.
One of the things that as a VR Counselor, I encourage individuals to do is focus on your employment goal. Look at your employment goal and what are the requirements of that employment goal as opposed to necessarily focusing in on a degree or a major, but look at the actual work that you’re interested in and what are the requirements to meet those work requirements.
Another thing that you might wanna consider in choosing a major is what are the expectations from the university. Are you required to get above a 2.0? Some universities require that you have a 3.0 in your chosen major. Those are some things that you might wanna consider before selecting a major.
Some of the other things that you might wanna look at is whether or not a foreign language is required. Do you have to take a foreign language to satisfy that major? And you need to know these things at the beginning of selecting your major. Not at the end when you’re anticipating having your degree.
In closing, I hope that you found some of these ideas helpful and that you’ll use some of the ideas. Most importantly follow your heart, have fun, explore your options as you’re choosing your major. Thank you so much.
Subscribe to:
Posts (Atom)