All posts by Suzanne Shaffer

Mom-Approved Tips: Moms Blogging About College

February 3, 2014 Suzanne Shaffer 1 Comment

Since I’m a mom, and you’re most likely a mom (or dad), you feel a kindred spirit with other parents, especially if they have been through or are going through the college prep process.

Aside from my blog, Parents Countdown to College Coach, there are other moms out there sharing their stories, their knowledge and their expertise. Below is my favorite list of nine moms blogging about college, add mine and it’s 10!

1. Dr. Strange College

This mom chronicles the college prep process as she experiences it with her kids. You will find excellent “how to” information and tips on how to motivate and keep your college-bound teen organized. What’s great about this blog? You can walk through the process with her.

2. How to Win Scholarships Money Blog

This mom helps you with the scholarship search process and with scholarship applications. Her blog highlights various scholarships and give parents tips on how to make their student’s scholarship application stand out.

3. Smart College Visit

This is a blog dedicated to help parents with the college visit and provides other advice for parents as well in the form of weekly tips.

4. More Than a Test Score

This blog, hosted by Zinch, has a parents tab that speaks specifically to parents. How do you know it’s a mom writing the blog posts? The majority of the posts were written by me!

5. POCSMom Blog

This parent of college student mom helps parents de-stress during the college prep process offering advice on how to relax and laugh when you get overwhelmed. She also collaborates with me on a weekly blog post: Wednesday’s Parent.

6. Galtime-Parenting Tweens and Teens

Galtime is an online magazine for women, but if you go to their Parenting-Tweens and Teens tab you’ll find all kinds of advice on parenting college-bound teens, most written by moms.

7. The Perfect Score Project

This mom made it her goal to take the SAT test and get a perfect score while studying along with her son (and now daughter). Having trouble motivating your teen to study? This is the blog to read.

8. How to Pay for College HQ

This isn’t a blog; it’s a podcast. But this mom does transcribe each weekly podcast with information and links from her guests. Her goal is to send her four children to college without incurring debt–and she’s gathering together all the experts to pick their brains about it. Subscribe to her podcasts. You won’t regret it!

9. The Neurotic Parent

This mom started this blog while on an eight-state college tour with her oldest son. Her Neurotic Parent Archives offer some excellent advice for parents of college-bound teens with a little humor and sarcasm to the mix.

Do yourself a favor and check out these blogs, follow their RSS feeds, and sign up for their mailing lists to get updates when they post.

study tools, Uncategorized

Flashcards: An Effective Study Tool

February 1, 2014 Suzanne Shaffer 1 Comment

Students are always looking for more effective ways to study and parents want to help when possible. Two students, Michael Bollinger and Max Holnaicher “are using technology to take an age-old learning method – flashcards — and bring it into the 21st century,” says Microsoft’s dailyedventures.com. With SAT and ACT tests approaching, CardKiwi.com flashcards could be a valuable resource when used to study vocabulary and math formulas.

FreeTech4Teachers.com : “Card Kiwi is a flashcard service whose appeal is its simplicity. Flashcards on Card Kiwi are text only. As you flip through your flashcards you rate your understanding by simply clicking thumbs up, thumbs down, or thumbs sideways. Card Kiwi will show you the cards that you rate with a thumbs down or thumbs sideways more often than the others until you’re using the thumbs up on every card in your set.”

“Spaced repetition works, increasing knowledge retention by up to 50 %,” says B. Price Kerfoot, an associate professor of surgery at Harvard Medical School. What are the advantages of spaced repetition? “In fact, in one memory study, students who used spaced repetition learning techniques were found to have outperformed other students in over 95% of cases (Cepeda et al, 2008).“

To summarize: using cardkiwi students will save time (they can share the work of creating flashcards with their friends) and significantly improve their recall rates. The application is so simple to use, they even have kids in grade 2 using it.

Watch this simple video that explains how it works and your student can join for FREE and begin using it immediately.

Scholarship Friday, scholarships

Scholarship Friday: ScholarshipOpportunity.org

January 31, 2014 Suzanne Shaffer 3 Comments

ScholarshipOpportunity.org is another resource available for parents and students to find scholarships. What makes them unique is they have created guides that have scholarships separated into categories.

The Scholarship Guides

According to their site, the “Scholarship Opportunities” series features scholarships available for all students as well as those specifically for minority and under-represented students. They have sorted out the scams and tracked down the legitimate scholarships, internships, and fellowships, saving you months of research. Their books will help you find the scholarships you’re eligible for, so you can get your college degree without drowning in student-loan debt. Their series includes:

How to Find Scholarship Opportunities Online
Scholarship Opportunities for Non-Traditional Students
Scholarship Opportunities for STEM Majors
Scholarship Opportunities for Students with Disabilities
Scholarship Opportunities for First Generation Students
Scholarship Opportunities for Minority Students
Scholarship Opportunities for LGBTQ Students
Scholarship Opportunities for Veterans and Their Families
Scholarship Opportunities for Women
Scholarship Opportunities for Everyone

Each guide is available for undergraduates, graduates, and internships and fellowships.

Their publications are available for you to download in a variety of formats (Amazon Kindle, mobile devices, and computers). The Scholarship Opportunity series of books are interactive, filled with links to hundreds of scholarships and their online applications.

The Blog

They also have a blog that helps take the guesswork out of applying for scholarships by giving you tips and tricks to help you find and land scholarship opportunities that can save you money and cut student loan debt.

Each Tuesday they review scholarship sites to help you navigate effectively to find the real scholarships without joining the military. They discuss great sites and sites they think are a waste of your precious time.

On Thursday, they feature specific scholarships, highlighting detailed information on eligibility criteria, award amounts, required documents, contact information, and a link to the online application. These blog posts will give you a glimpse of the rich resources that their books offer.

financial aid, student loans

Understanding Federal Student Loans

January 30, 2014 Suzanne Shaffer 3 Comments

The FAFSA, based upon my 12 years of experience in working with college-bound high school students and their families, is a document that elicits terror and confusion. However, it really doesn’t have to be this way. I tell parents that the FAFSA really is simply an admission ticket to be considered for a wide range of college, state, and federal financial aid. In fact, parents can’t even qualify for any federal loans unless they fill out the FAFSA. If you don’t fill out the FAFSA, from a purely federal loan perspective, you don’t exist as a financial aid applicant to the federal government or the colleges.

The FAFSA website, surprisingly, is an excellent resource for most commonly-asked questions about how to complete the form. The form itself is remarkably user-friendly; if you fill it out electronically, which is how most families do it nowadays, the system will actually alert you to any potential errors when you’re entering information.

Rather than focus upon the mechanical aspects about the FAFSA, let me highlight two key general tips on the twin 500-pound gorillas of the federal loan world: subsidized and unsubsidized loans. These are the federal student loans that are frequently obtained via the FAFSA.

Subsidized student loans

Obviously a student would prefer a scholarship as opposed to a loan, but if you’re going to need a loan – and chances are you’re almost certainly going to have to borrow some money – then subsidized federal loans are the way to go. Interest rates are currently 3.86%, and the best part about these loans is that you don’t know owe any money or any interest until six months after you graduate (or fall below half-time status). And when I say graduate, I mean from your final degree program. Let’s say, for example, that you pursue a bachelors, Masters, and law degree without any breaks. You would only be responsible to repay the subsidized student loan six months after graduation from law school – even if you got your only subsidized student loan as a freshman in college. Even if you are able to fully pay for your college education, if you are offered a subsidized student loan why in the world would you not take it? It’s interest-free until your six-month grace period after graduation is over, in which case you can simply repay the loan in full, without penalty. In the meantime, your family would be able to invest that money in ways that (hopefully) generate income while the student is in college. If you truly do need the money, it’s nice to know that no interest is accumulating in the background while you are pursuing your studies.

In short, I can honestly think of no logical reason why a student wouldn’t accept the maximum in subsidized student loan funding for a given academic year.

Unsubsidized student loan

As the name implies, there are no taxpayer dollars going to pay off the interest while the student is in school. However, the student will not be expected to pay interest on the loan during his or her college, graduate, or professional education. Nonetheless, lurking in the background is the fact that unsubsidized loans are generating interest, and that they will have to be repaid six months after the student graduates (or falls below half-time status).

Why would someone take out these loans you might ask?

Well, unsubsidized student loans are still generally a better product than private sector loans. The interest rates are, like the subsidized student loans at the time of this writing, at 3.86% — clearly a better interest rate than what most private banks offer.

There’s another reason why I’m a fan of both the unsubsidized and subsidized loans from Uncle Sam. Let’s say a student gets into trouble and has a hard time repaying the lender. Although the federal government will expect full repayment – and forget about declaring bankruptcy to extinguish federal, state or private student loans because it’s virtually impossible to do so – in my experience the federal government will work more closely and more fairly with a delinquent applicant than will a private bank.

So when in doubt, take the federal loans as opposed to a private loan. They are both great loan programs and are the two loans most undergraduates will be offered if they and their parents complete the FAFSA.

______________________

About the Author

Today’s guest post is from Jason Lum, the founder of ScholarEdge College Consulting. Jason has won over $250,000 scholarships and graduated debt free. Jason has helped students gain admission to some of the top universities in the country including Harvard, Yale and Stanford. Follow him on Twitter and Facebook.

parenting, Uncategorized

Wednesday’s Parent: Are You a Control Freak?

January 29, 2014 Suzanne Shaffer 1 Comment

Sign up for my FREE parent tips email and get my FREE Ebook on college financing! Or subscribe to my blog on the left and get email updates.

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!

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 pocsmom.com to parentingforcollege and vice versa.

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Are you a control freak? I am. And there are times when it’s not pretty, especially where my kids are concerned. That tendency was no more apparent than when we were in the midst of college prep. I learned quickly, however, that my tendency to be in control of the process made my kids pull back and sit on the sidelines while I did all the work.

As a parent, it’s hard not to take control, especially if we have opinions and concerns about the choices they are making. But before you are labeled by your kids and their friends as “THAT” mom or dad, take a deep breath, and ask yourself these questions.

Do you want the added drama?

Teenagers are the epitome of drama. Controlling their campus visits, their college interviews, the counselor meetings and every other activity related to the college process is going to add to the drama. High school is not supposed to be a continuous battle and you can’t enjoy this time if you are battling over control.

Do you want your kids to second guess every decision they make?

Controlling parents raise insecure kids. Your kids need to know that you trust them and stand with them in their decisions. It’s a given they will make some bad ones, but that’s the way they learn about choices and consequences. They will make mistakes but fearing failure because they have a controlling parent will cripple them.

Do you want to raise a dependent adult?

If you control every decision, every choice and everything they do, they are going to have a hard time living on their own. You will begin to notice that they can’t make a move without you and your approval. It’s not an ideal situation, especially when they leave for college. Expect a call early during their first semester asking to come home.

Do you want your kid’s accomplishments to be their own and not yours?

It starts with doing homework for them when they don’t understand and moves on to completing their science projects. Before you know it you’re picking the college they will attend and completing their college application. Their accomplishments become clouded by the fact that they did nothing on their own.

You can avoid being a control freak by practicing these parenting techniques:

Teach them responsibility.

Help them with organization.

Guide them when making decisions.

Remember you are raising an independent adult.

Let them fail and help them learn from their mistakes.

It seems simple but the very nature of parenting makes it difficult to reign in the control monster, especially when they are making life-changing decisions. But you can do it if you never forget that since they took their first breath, they have been moving toward independence. They may have grown up too fast but you can’t stop the process, only hinder it. Don’t be a control freak.

For some more tips on how to stop controlling your teens, check out Wendy’s blog

financial aid, Uncategorized

An In-Depth Look at the FAFSA

January 28, 2014 Suzanne Shaffer

fafsa filing — Photo courtesy of Zinch.com

Yes. It’s that time in the college prep process–FAFSA time! If you’ve been reading my blog, you know that you can’t ignore the FAFSA, there are good reasons to file, and who fills out the FAFSA. As far as I’m concerned, your application is not complete without this financial aid form.

The Free Application for Federal Student Aid (FAFSA) became publicly available January 1st. For those new to the process, it is an annual form that is completed by current and prospective college students to determine eligibility for federal financial aid.

While filing your FAFSA is considered the Step #1 for those in need of financial aid, it can often seem like an intimidating task to undertake. One of the biggest hurdles to approaching this form is understanding what materials are needed beforehand to prepare for filing.

Taking a deeper look, Zinch gives a list of the absolute must-haves to file the FAFSA.

mom approved tips, parenting

Mom-Approved Tips: A Different Take on Helicopter Parenting

January 27, 2014 Suzanne Shaffer 1 Comment

helicopter parenting

It’s no surprise that parents have become so involved in their kids’ lives that school administrators have begun to label us; helicopter parent, snow plow parent, and bulldozer parent. But it can’t all be bad; after all, parents are actually involved. Is this a bad thing? As with anything there are extremes. And it’s possible that a few bad parenting experiences have shed a negative light on all of us.

Let’s take a look at the benefits of helicopter parenting:

Parents who are involved tend to have academically successful students.

Studies show kids who have parents that stay involved from Kindergarten to 12th grade are more likely to excel academically. Why? Involved parents help students with studies, organization and make sure they do their assignments. They also stay on top of grades and can recognize any problems that may require extra help.

Parents who are involved have students who are less likely to participate in at-risk behaviors.

Students whose parents are involved in their lives are going to find it harder to participate in at-risk behaviors. Why? Parents who know their kid’s friends, encourage activities at home, and encourage their kids to participate in after school activities help the kids learn responsibility and commitment. They have little time to get into trouble.

Parents who are invested financially and encourage their students to invest financially have students who take their education seriously.

College is a large financial commitment. When parents commit to invest, and insist that their student invest, the student will be more likely to see the value of that investment. That translates into academic success and a successful college education.

In The Student Affairs Feature, “It’s Time to Change our Views on Parental Involvement”, Beth Moriarty, sums it up like this:

It’s a fact that some parents do get overly involved in their student’s life. But saying that all parents are helicopter parents is wrong. Our roles as parents have changed and evolved over the years. Today’s parents are invested in their student’s educational future and success . . . Should parents be embraced as partners and should the colleges help parents embrace that role?

My mother used to say, “Don’t throw out the baby with the bathwater.” I think that is the best way to look at helicopter parenting. Embrace the good things about this type of parenting and avoid the behaviors that cause educators to label us.

infographics

How Much Do College Students Drink?

January 25, 2014 Suzanne Shaffer

There are 17 million college students that drink alcohol, and 8.5 million of them are binge drinking. We’ve heard the terms “poor” or “struggling” college student before, but it’s no wonder they are living off of Ramen Noodles when there was a reported $163 billion spent on alcohol in America in 2011. It’s not all fun and games when young people are consuming 2 gallons per person of alcohol. There are negative consequences of this behavior that includes assault, rape, injury and even death.

How much do college students drink? It seems that students are learning a lot more than econ and statistics nowadays. Click on the infographic below to see all the data.

Scholarship Friday, scholarships

Scholarship Friday: Tips from the Scholarship Mom

January 24, 2014 Suzanne Shaffer

A few years ago I was introduced to Monica Matthews, the Scholarship Mom. Her story is unique and she created a short book, How to Win College Scholarships, to introduce parents to the method she used to win scholarships for her kids. If you don’t have the book, get it.

Today, however, I want to introduce you to her Scholarship Mom Tips on Smart College Visit. Every week she shares a short tip to help parents with the scholarship process. They are easy to read and easily applicable to the scholarship search.

Follow Smart College Visit on Twitter (@collegevisit) and Monica Matthews (@AidScholarship) for weekly links and tips.

Guest Posts, test prep

Parenting for College

All posts by Suzanne Shaffer