Category Archives: college planning

Educate To Career: Helping Students Chart a Course for Success

 

Today’s guest post is from Mike Havis from Educatetocareer.org, a non-profit organization with the goal of providing free, online college and career planning tools for high school students and their parents.

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educate to career

There is a huge problem affecting our young people today – those very people who wish to go out and start making a life for themselves – and do great things for our society.

The problem is evidenced by the massive amount of college graduate unemployment and underemployment – coupled with the absolute crisis of $1.1 trillion in non-performing college student loan debt.  It is hard to find a family in the U.S. that has not been touched by these problems.  I learned all about this myself when my son Ben graduated from Rancho Buena Vista HS (in Vista, CA) in 2008.

My wife and I, along with our son, asked ourselves questions such as:

  • Should Ben go for a college degree in the subjects that he likes and is good in?
  • Do all college degrees lead to an actual job in that field?
  • How much does a college education cost?
  • In actuality, which degrees lead to obtaining a real job?

The answers to these questions were not readily at hand, or even easy to find.  The crisis that I referred to stems from poor choices made due to lack of good information + an abundance of misinformation.

This inspired me to create Educate To Career (ETC). We feel that students should make well informed and pragmatic decisions about college and career – based on the reality of what the job market is looking for and the ROI of a college education.  ETC’s tools and programs are very easy to use, and address these issues with real facts and figures.

The innovative CareerBuddy program allows students and parents to apply the student’s personal academic strengths and weaknesses to research college majors for over 6,000 two and four year colleges.  The CareerBuddy program assists users in selecting majors which lead to real careers with good employment opportunities and earnings.  The program is free, easy to navigate and requires no registration by the user.

The information provided includes:

  • Recommended colleges
  • Recommended careers
  • Starting salaries

CareerBuddy, used in conjunction with ETC’s other programs – CollegeBuddy and SalaryBean, enables a student to find all of the pertinent information they require to sensibly plan his or her post high school career and college path – all in one place.

Students have been unable to find the proper tools to assist them in making informed decisions about their future – as evidenced by the over $1 trillion in nonperforming college student-loan debt, coupled with the very high unemployment and underemployment of college graduates.

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Educate To Career was founded to provide high school students with free, online navigator and calculator programs to ultimately guide them to a real career – defined as one in which their education leads to a real job with a good salary.

Educate To Career is the leader in providing information, data, tools and programs in the area of college and career outcomes.

Educate To Career : The Leader in Educational Attainment to Career Outcome Information.

 

14 Reasons I became a Parent College Coach

14 reasonsAs I look toward the upcoming year I am incredibly grateful for the connections I have made both with college experts and with parents of college-bound teens. Parents have become more and more involved with their student’s college application process and are looking for the best information available to help them guide and encourage.

As a parent advocate, I work to get you the latest information available to help you make informed college choices and financial aid decisions as the process progresses. Since I am a parent myself and am aware of the obstacles families face during this stressful time, I’m able to share my experiences and help you overcome the stress you may feel.

Here are 14 reasons I became a Parent College Coach:

  1. To share my expertise with other parents
  2. To connect you with other college experts
  3. To help you deal with the college prep stress
  4. To help you find scholarships
  5. To help you with the financial aid process
  6. To offer advice about college visits
  7. To help you avoid being an overly involved helicopter parent
  8. To give you standardized test prep options
  9. To connect parents with other parents
  10. To educate and inform
  11. To give every student who wants to go to college help when needed
  12. To help you get the best value for your buck
  13. To answer questions about the college prep process
  14. To help you guide your student through the college prep process

 

As you can imagine, the internet and social media are flooded with experts, especially in the college field. I bring a unique perspective into the mix because I am not only an expert on the college prep process; I’m also a parent myself. I struggled to help both my children get into college in a time when information was not easily available and school counselors were overwhelmed with parents and students asking for help.

It’s rewarding as I see parents and students cross the finish line and move on to the next phase in their lives. Knowing that I had a small part in the process makes me glad I made the decision to provide parents with the help they need. And as time goes on, I’ve made many good friends!

Mom-Approved Tips: Questions parents ask about college

 

Questions parents ask about collegeOver the years, parents have cornered me and asked me questions about the college admissions process and their college-bound teens. While those questions are varied, and sometimes specific as they relate to their own circumstances, parents undoubtedly have questions about the college prep process and beyond. Following are some of the most common questions parents ask about college.

About choosing a college

How many colleges do you think my teen should apply to?

Here’s a good formula: 3 reach colleges (colleges that might be a reach but still attainable), 4 good fit colleges (colleges that are a good match for the student), 3 safety colleges (colleges that the student will be at the top of the applicant pool). Having choices also means the colleges are in competition, which translates into negotiation for you with the financial aid package.

What’s the most important tip you could give me about the college admissions process?

Find those “perfect fit” colleges. Do the research and evaluate choices based on student body, academic programs, college visits, location and financial aid awards. If the college is a good fit, they will value the student for his/her contribution to the student body. Those are the colleges you want in your application pool.

About financial aid

Should I fill out the FAFSA even though I think we make too much money to qualify for financial aid?

YES. YES. YES. The FAFSA is what colleges use to determine your EFC (Expected Family Contribution) which is used to determine the financial aid package. This package is NOT just federal aid. It’s composed of grants, scholarships and loans (much of which is merit-aid directly from the colleges themselves). If you don’t fill it out, your teen can’t get ANY of that money.

We can’t afford to pay for college, does that mean our teen won’t be able to go?

There are all kinds of ways to finance a college education: student loans, work-study, college grants and scholarships. Everyone qualifies for parent and student loans. But be wise about your borrowing and consider the best options. Paul Hemphill with Pre College Prep has come up with a GREAT way to attend college on the cheap!

About SAT scores

My teen’s SAT scores aren’t that great; will it affect their admissions chances?

The bottom line is that most colleges do look at those SAT scores. But, it’s just part of the overall picture. The best advice I can give is MAKE CONTACT with an admissions representative from EVERY college your teen is applying to. This PERSONAL contact can and will make a difference when the admissions application is reviewed. Do this by visiting and making an appointment to speak with them. Then hang on to their card and stay in contact until acceptance letters arrive.

About organization

My teen is so scatter-brained and we keep missing deadlines–how can I help them get organized?

Set up a landing zone for college material. Use a desk, a file cabinet, a bulletin board, and a wall calendar to keep track of deadlines. Start this freshman year and remind them that their floor is NOT the landing zone. Once they get used to bringing everything to that one spot, it will be easier to find, file and locate all the college related materials.

About dealing with rejection

What do you do when your student is rejected? How do you handle your feelings? How do you handle your student’s feelings?

When it arrives you may want to try and spin it into a positive. Resist that temptation. It’s upsetting to both you and your student. Allow some time to display the emotions related to the disappointment and the feelings of rejection. It’s only natural to feel them and it certainly hasn’t been the first or the last time your student will be disappointed. Parents take these letters personally. How dare they reject MY child! Our disappointment can often overshadow the feelings our student has. Be careful and don’t project your disappointment on to your student. He/she feels bad enough already; the last thing they need to feel is that they disappointed their parents by not getting accepted.

Every student reacts differently. Some might shrug it off (to your surprise) and others might see this as the end of their world as they know it. The hardest part of this whole college process is dealing with disappointment and rejection. All the truisms in the world won’t help at this moment. Hold them, hug them, and let them know that you feel their pain. Don’t spout off truisms like “it will be ok” or “you don’t want to go there if they don’t want you.” Your student needs the time to deal with their disappointment and move on.

Once the time has passed and your student is able to be objective, use this as a life lesson. Remind them that there is a place for them and that there is a college where they will feel wanted and accepted. Point out that life is filled with disappointments that often turn into opportunities and you never know what lies ahead on the path you might not have originally chosen.

Every child faces disappointment and rejection throughout their life and a parent’s goal should be to help them face those hurtful times with love and perspective.

About college discontent

What do I do when my student wants to drop out of college or talks about transferring during the first semester?

Before you say anything listen to their reasons. Don’t scream and yell, listen. Your student is upset and needs to voice how they feel. It may not be logical or even feasible, but they need to vent and you need to listen. Stay calm and approach this by treating them as an adult. Use reasoning first and see if that helps. Most freshmen get immediately homesick, especially if they don’t get along with their new roommate or their coursework is overwhelming them. Usually by the end of the first semester they have settled in and have made some friends. Usually.

There may be very good financial reasons for them to stick it out and then re-evaluate at the end of the first year. It’s rare that your student will use finances as an excuse to transfer, but if they do, be prepared to answer with a logical explanation.

Is there a friend or a boyfriend encouraging them to move back home or join them where they are? This is the worst reason. Help them to understand that they made the choice to leave and it’s time for them to move on with their life. Holding on to the past will only cause them to miss the benefits of the future. They may be adults but you, almost always, hold the purse strings.

In most cases, you should stand your ground—at least until the end of the first year. Tell your student that if he/she still feels the same way at the end of the year you can revisit the option. It’s my experience that most students, later in life, thank their parents for giving them some tough love when they needed it.

I’m not saying it’s easy to listen to their pain and not act. And in some instances their mental health is much more important than drawing a line in the sand. But you know your child and you will know when they are just too unhappy and miserable to remain where they are. In some cases, they just chose the wrong school.

College Savings Plans

 

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college savingsNo matter where you are in the college prep process, saving, and knowing how and what to save can be difficult to understand. Depending on your situation and the amount of time you have to save, here are some excellent resources that will help you understand college savings plans.

SavingforCollege.com

SavingforCollege.com offers a free Family Guide to College Savings available in either Kindle, Nook, or PDF format. The guide advises parents on when to start saving, how to start saving, and college savings alternatives. It also gives a brief explanation of the tax savings you can expect and how to maximize savings. There are also numerous links on the site itself related to 529 savings plans, college expenses, and a tool to use to view the list of state specific plans. There is also a college cost calculator that helps you determine the cost of college based on your child’s age and the amount you wish to contribute along with a monthly savings estimate.

AffordableCollegesOnline.org

AffordableCollegesOnline.org has created a 529 Savings Plan Guidebook which can be easily printed from your browser. In the guidebook you will gain a better understanding of:

By using this guide, you will gain a better understanding of:

  • How 529 savings plans work and how to establish one
  • Who is eligible to establish and contribute to a 529 savings plan
  • The pros and cons of other types of college savings vehicles
  • How much may be contributed to a 529 plan
  • The tax advantages associated with 529 plans
  • The best time to set up a plan
  • How to take the next step in obtaining some – or all – of the funds that are needed to fulfill the dream of a higher education.

U.S. News Education

On U.S. News Education: Saving for College you can read articles like:

  • 4 Steps to Choosing Age-Based 529 Plans
  • 5 Steps for Utilizing 529 College Savings Plan Funds
  • 12 Questions to Ask Before Investing in a Prepaid College Savings Plan
  • 4 Costly Mistakes Parents Make When Saving Money for College

Manilla.com

Manilla.com offers a free downloadable Financial Literacy toolkit that helps parents and students through the process of deciding how to pay for college, deciding who will pay for what, and some good pointers on establishing good financial habits.

Fidelty.com

Fidelity offers information you will need to plan your child’s educational future. On this site you can compare your savings options, find a 529 savings plan that meets your needs, learn about financial aid, and how much you will need to save.

MorningStar

Morningstar, Inc. is a leading provider of independent investment research in North America, Europe, Australia, and Asia. Morningstar provides data on approximately 433,000 investment offerings, including stocks, mutual funds, and similar vehicles, along with real-time global market data on nearly 10 million equities, indexes, futures, options, commodities, and precious metals, in addition to foreign exchange and Treasury markets.

In a recent article, MorningStar rated the nation’s Best 529 Savings Plans for 2013 and also lists the negative rated 529 plans.

University Parent

University Parent, an online resource for parents of college students and college bound teens, recently published an article:  What is a 529 Savings Plan? How it Helps. The article gives an overview of the plans and what you need to know once you have one and how to use it.

If your college-bound teen is young, you have plenty of time to start saving. If you have a student in high school, you should read the information about aggressive portfolios and how to maximize your investment. The above resources should help you decide how much and where to invest your savings.

 

3 Things high school seniors should do now

 

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For many high school seniors, the start of the new school year also marks the official start of the college application process.  While students should begin planning and research as early as 9th and 10th grade, there are many 12th graders who may just be diving in now.

With early application deadlines just around the corner (November 1st and 15th), Dr. Katherine Cohen, CEO and founder of IvyWise (www.IvyWise.com) and LinkedIn Higher Ed Expert, urges high school seniors who may be off to a bit of a late start to do these three things right away:

Narrow down your college list.

high school seniorsStudents should end up with a list of 12 to 15 good-fit schools, a balanced list of reach, target and likely schools, all of which are an academic, social and financial fit.  A great place to start your research is LinkedIn, which provides aspiring students and young professionals with the opportunity to make informed decisions on which universities, majors and skills will help them achieve personal and professional success in years ahead. LinkedIn University pages allows students to learn what’s happening on campus, ask questions of faculty, staff, students and alumni, check out notable alumni and explore the professional paths of graduates.

Create a college application checklist.

Senior year of high school can be overwhelming for many students.  It’s often the most rigorous year academically, and the college application process has gotten a lot more complex since mom and dad applied.  It’s important to create a college application checklist and calendar with key dates now so that you don’t miss any important deadlines.  Be sure to include due dates for early and regular applications at each school to which you’re applying, standardized test dates, deadlines to apply for scholarships and financial aid, as well as deadlines for school projects, mid-terms and final exams.

Approach teachers for letters of recommendation.

Most selective colleges and universities require one to three recommendation letters with a student’s application, usually from a guidance counselor and at least one teacher. If you haven’t done so already, identify two 11th grade teachers who know you well—not just the ones who gave you the easy “A”—and ask them to write a letter of recommendation immediately.  Teachers receive many requests and are not required to write these letters.  Often, teachers will limit the number of letters they write, so students need to ask early.  Be sure to provide a copy of your resume, examples of your completed assignments and information about the colleges to which you are applying, so they can personalize your letter. Also, don’t forget to write your own letter to thank your teachers for their time!

Support for students with learning disabilities: New Frontiers in Learning

 

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There has been a recent trend towards an increasing number of students with learning differences attending college each year. While this is a tremendous accomplishment, colleges may not have the resources to support students with challenges in academic learning, executive functioning, and social interaction. In addition, these students may not have the self-advocacy, executive functioning and independence skills necessary to be successful at the college level.

New Frontiers in Learning comes to the rescue

new frontiersWith this new wave comes New Frontiers in Learning, the next generation of secondary and post-secondary supports designed specifically to meet the academic, social, and career development needs of students with learning disabilities, autism spectrum disorders, and related learning differences. New Frontiers allows students to choose a college or university based on where they want to attend, and not on what type of support services are available. Academic, social engagement, and career development supports can be brought directly to the student and supplement the supports the colleges are providing based on the individual needs of the students.

Providing support for learning disabled students

New Frontiers provides academic, social, and career development support to students, as well as executive functioning instruction and the development of college readiness skills. The New Frontiers staff has considerable experience supporting students through the transition from high school to college, through college, and beyond. Each member of the administrative staff holds a Master’s degree or beyond in special education. New Frontiers’ coaches possess a minimum of a Bachelor’s degree from a highly accredited university.

A summer program for students

The New Frontiers in Learning summer program, Summer in the City, is a hands on experience tied to the development of each student’s executive functioning skills, while working on social relationships as students experience the culture and excitement of New York City. Morning sessions include reading and writing at the high school and college level and strategy instruction to build executive functioning competence for everyday personal management. Afternoons are filled with New York City experiences and adventures.

Tutoring and coaching services

The academic year and summer and winter session tutoring and coaching services at New Frontiers have been designed to provide individually customized academic and social support services to adolescents and young adults with challenges in academic learning, executive functioning, and social interaction. Services begin in ninth grade and continue through college and beyond. The program works to maintain high academic and social standards for all students, promoting strong relationships in all phases of the student’s life. New Frontiers works with students closely to become a strong liaison between students and their respective institutions. This includes assisting with communication between peers, school officials, residence life advisors, and faculty to make each student’s experience as enjoyable as possible.

 

Common App Resources

 

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CommonApp1

Listen up parents and students! The school year has begun and for seniors, it’s time to start thinking about that all-important Common Application. You know the one? The one that sells your student to the college. The one that asks pointed questions about your student, their high school career, and their interests. Yes. That Common Application.

You may have hundreds of questions in your head. Which colleges accept it? Can my student vary their essays to tailor them toward specific colleges? What exactly is included in the Common App?

When you have questions, you need answers. Zinch has provided you with the answers to all these questions and more. In their article they give you links, tips and videos to help you complete the process. Zinch may be the go-to site for scholarships, but their high school blog is the go-to site for helps with the college admissions process.

Read all about Zinch resource toolkit for the Common App on their high school blog

Has your student considered an online degree?

 

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online learning

When you think about college for your student, you think about brick and mortar institutions. However, there are many non-traditional routes to obtaining a degree as well.  Online education offers flexibility and freedom to work while attending college. For some families, this is not only a necessity but a viable option.

In turn, your student should follow these tips to get the most from their college experience.

Set up an efficient workspace
An online education degree requires a certain amount of technical savvy in order to work. Your student must be generally comfortable with using the Internet and the computer. They should also should take the time to learn the technical capabilities of the system that the university uses for online classes. If they do this before classes start, they won’t be delayed in their homework by trying to learn the system.

Otherwise, they need to have a comfortable space for working. Make sure the seating is appropriate and that they have access to electric outlets when necessary. The area should be organized and allow them to spread out textbooks and papers for their use while working on homework assignments.

Continue reading Has your student considered an online degree?

10 Must-read books for parents of college-bound students

 

I love books because, well, I just love books. They are some of my prized possessions. These college books are part of my collection because they are jam-packed with information about the college admissions process. Some of them are informational, and others help you relax and laugh during the process. Add these books for parents of college-bound students to your reading list. After all, who doesn’t like books?

college bound and gagged

1. College Bound and Gagged

Nancy takes the everyday aspects of the college admissions process and puts them into terms that parents can easily understand and relate to by using humor. And if that’s not enough, she sprinkles some of the best college admissions advice along the way by tapping into her own personal experiences and her network of college experts that she utilizes throughout the book.

pocsmom

2. POCSMom Survival Stories

Wendy David-Gaines, the author, is famous for exposing the cliches about college. After giving the cliche, she gives you the “POCS reality”. In her book, Wendy does this effectively by compiling actual parent stories. The stories (both from pre-POCS and POCS) are simple, light-hearted, often humorous and an easy read. But here’s the clincher–they provide parents with added insight into each individual situation.

scholarships

3. How to Win Scholarships

The best part about Monica’s e-book is that it’s simple and easy to understand. If you follow her easy 10 step program, the scholarship process becomes doable for any parent and their student. You can sit back and hope that your student does all the work, or you can offer help and support by grabbing a copy of Monica’s book, reading it, and rolling up your sleeves.

debt free u

4. Debt Free U

When Zac Bissonnette headed off to college, he had the funds to cover the tab. Bissonnette has seen the currently flawed system first hand. He’s a contrarian, and his book is packed with studies and statistics to back up his analysis. It’s a magical combination that college-bound students and their parents should read, even if there’s plenty of money set aside to pay the tuition tab. There’s no harm in learning ways to get the biggest bang for your buck and the best education available at the same time.

leadership

5. Why You’re Already a Leader

The author, Paul Hemphill, forces history to shout its powerful lessons about our least appreciated ability – leadership. A pre-teen, a parent, or a corporate exec doesn’t need to be trained for leadership because it’s already alive and pumping in your DNA. The proof is all here. Here’s the bonus feauture: it uses history as a motivational tool. Instead of stats and facts, you get more than 200 life-lessons from Gettysburg to help you succeed in any endeavor. What’s the number one quality admissions officers look for in a candidate for admission? Leadership!

Continue reading 10 Must-read books for parents of college-bound students

Back to School mistakes you should avoid

 

back to schoolBack to school brings excitement and anticipation for most students. But this is a new year and a new environment with new challenges. This can lead to frustration and apathy after a few weeks of classes, homework and tests. The last thing your student needs is to start the year off in a slump. The first few weeks set the tone for the entire school year, which makes it important to avoid some common back to school  mistakes.

Procrastination is certainly at the top of the list: putting off homework, waiting until the last minute, and neglecting to stay on top of deadlines. Students who find themselves buried in homework sometimes throw up their hands in frustration and don’t do it. New schedules, new campuses, new classrooms and new teachers can raise your student’s frustration level.

Avoiding these back to school mistakes can start the year off on a positive note and help your student focus on what’s important: academics and the college prep process.

Hop on over to Zinch’s high school blog to see a comprehensive list of the biggest back to school mistakes you must avoid.