college costs, college guidance, college planning

10 Tips to Help Cut College Costs

December 10, 2015 Suzanne Shaffer 1 Comment

During these tough economic times, everyone is finding ways to cut costs. Pinching pennies and forgoing that latte can add up, but what about paying less for those college expenses: tuition, room and board, books, and meals. Until our economy picks up and catches up with the rising cost of tuition, parents and students need to find creative ways to cut college costs. These ten tips might help you keep a little more money in your pocket and graduate with little or no debt.

1.Consider private college

Some people believe that if you forgo the high-priced private universities, you can save some bucks. But is that really the case? The simple truth is that many private colleges give great financial aid in the form of grants and scholarships. They can do this because of their generous alumni who reinvest in their alma maters. Many times, you could end up paying less at an expensive private university than you would at a local state college.

2. Choose EA or regular decision

If you apply early decision, letting colleges know that they are your first choice college, you lose your bargaining power. That bargaining power can mean huge dividends when it comes to financial aid. If your teen is accepted to several colleges and each offers them some grants and/or scholarships, you can use those offers to negotiate more aid with the college of your choice. Early decision robs you of that negotiation.

3. Take Dual Credit and/or AP Classes

If you take dual credit classes during high school, you can get college credit at the same time you receive high school credit. In many cases, you can get enough credit to enter college as a sophomore. Additionally, if you take AP classes, be sure to take the AP tests which many colleges count as credit if you test well. By choosing either option, you can save on the cost of tuition. For more information on how this works, you can order or download a free copy of the National Center for Education Statistics’ publication: Dual Credit and Exam Based Courses.

4. Work during college

Studies show that working during college helps you with time management and organization. If you work while you’re in college you can use that money for textbooks, living expenses, and even put some it toward tuition expense. It makes better sense to work than borrow and pile up your student loan debt.

5. Don’t buy new textbooks

With all the websites offering textbook options, think before you plunk down top dollar for those new textbooks. Consider buying used, renting, or even downloading e-textbooks. All these options will save you hundreds of dollars every semester. Barnes and Noble has made this easy by providing a link where you can search for new, used, rentals and e-textbooks all in one location.

6. Live at home or become an RA (Resident Assistant)

Room and board can be a huge portion of your college expense. One option is to live at home if the college is within driving distance. If you aren’t interested in living at home, here’s another option: apply to become an RA (Resident Assistant). Some colleges allow RA’s to live rent free (which means a huge cost saving on room and board). Others give substantial discounts.

7. Use your student ID card for discounts

That student ID is useful for more than just getting into your college dorm. Use it everywhere for substantial discounts at restaurants, on clothing, on books and even groceries. Ask local businesses if they honor the student ID if you don’t see a sign at the cash register or drive-thru.

8. Consider community college

Community college is considerably cheaper and can offer you an opportunity to get some of your core subjects out of the way. The difference between $3000 for a college credit at a university and $300 a credit at a community college can add up to substantial savings. Don’t forget to check with your college first and make sure they will accept credits from the community college.

9. Take a look at your meal plan

Most students don’t need the full meal plan (3 meals a day). If you knock your meal plan down to the minimal one meal a day you can save thousands of dollars per semester. Most college students roll out of bed in the morning, grab a red bull or coffee, snack during the day and often order out late at night. Why pay for three meals a day when you don’t eat them?

10.Graduate in three years

Imagine the money you can save if you graduate in three years instead of the 4-6 years required by most college students. How is that done? First, if you were wise and took those dual credit or AP classes it’s possible to chalk up 12-15 credit hours before you ever set foot on campus. For some excellent tips on why and how to graduate in three years, check out this amazing post by a guy who advises parents on how to pay less for college: How to Graduate in 3 Years! The economy has forced all of us to tighten those belts and eliminate wasteful spending. These 10 tips can potentially save you hundreds and even thousands of dollars on college costs.

college planning, college prep

3 College Connections You Need to Make

December 9, 2015 Suzanne Shaffer

If you are considering college, or headed off to college in the fall, you should make friends with these people on campus: admissions counselors, financial aid officers, and current students. Why? Because these three groups of college connections can help you with all the aspects of navigating the college maze:

1. Admissions counselors

It’s not secret that making friends with the admissions department can go a long way in securing your eventual acceptance. Admission officers keep track of how often you visit their campus, contact them regarding information, and express an interest in their institution. If you application is marginal, contact with an admissions officer could give you that extra push needed for acceptance. Schedule an interview when you visit campus, secure a business
card with contact information, and follow up after the visit. Recognizing your name when those thousands of applications arrive can help get your application on the top of the pile.

2. Financial aid officers

These helpful people can provide you with the information you need to know about financing your college education. Ask them questions about the total cost of college. This not only includes tuition, room and board, but additional costs incurred to attend. Once you have applied, you might also need to clarify some financial information related to the FAFSA, write an appeal letter for additional aid, or contact them about your aid disbursements. Schedule an appointment when you visit campus, secure a business card, and file it for future reference when/if you need a contact in that office.

3. Current students

Students who are currently attending college (specifically the one you are interested in attending) can be a valuable resource for information. You can connect with them on your campus visit, follow them on Twitter, and find them on the college’s Facebook page. Do some navigating on the college website for bloggers and for individual sites that are set up through the college itself. Connecting with students will help you get a feel for the type of student who is attending, and can help you once you are accepted by answering questions related to moving in, getting settled, and making that transition on campus. Networking is just as important in college as it is in the job world. Making those essential connections will ease the college application process and simplify the transition to college once you are accepted.

college planning, college prep, social networks

10 Twitter Chats for College Prep Success

December 8, 2015 Suzanne Shaffer 1 Comment

With today’s technology, information is everywhere–from blogs, to social media, to college websites. But when you’re looking for information wouldn’t it be great to actually SPEAK with the experts and ask questions for FREE?

That’s what Twitter chats can do for you. Experts in the area of college prep gather together on Twitter during Twitter chats to provide you with the most up-t0-date information on the college application process.

#CampusChat—Wednesdays 1PM ET
#CollegeCash—Thursdays 8PM ET
#CollegeChat—Tuesdays 9PM ET
#ChatCollege—check schedule here http://collegeapptraining.com/chatcollege/
#KidsCollegeChat—follow @GiftofCollege for future chat dates and times or type in the hashtag on Twitter
#InsightChat–Sundays 9PM ET
#FirstGenOfficeHour Thursdays 7PM ET
#FAchat-2nd Tuesday of each month 12-1PM CST
#edchat-Tuesdays 12PM and 7PM ET (http://rossieronline.usc.edu/wp-content/uploads/2014/08/edchat-resource-guide5.pdf)
#EMchat-Thursdays 9PM ET http://www.emchat.net

For those of you who are new to Twitter chats, #SEOChat has a very good explanation of how they work, how to participate and even some good resources to search for more chats. But here are a few simple instructions:

Mark the chat date on your calendar and set a reminder so you don’t forget
Follow the chat’s hashtag on Twitter by using programs like Hootsuite, Twitter Chat or TweetChat. These programs help you keep the conversation in one place and make it easier to respond.
Follow the feed and ask questions if you are unclear about something. If it isn’t answered in the chat, feel free to DM the moderator or guest after the chat is over. Sometimes chats can be a bit chaotic if there are many attendees.
Favorite any tweets with links or information you feel will be helpful to research after the chat.

Chat times and dates change, but if you follow their Twitter feed you will be notified of any date and time changes.

Still not convinced these chats are worth you time? Check out my post: Why you should attend Twitter chats.

Scholarship Friday, scholarships

Scholarship Friday: Comprehensive List of Full-Ride Scholarships

December 4, 2015 Suzanne Shaffer 1 Comment

There is great discussion among parents about whether or not scholarship applications are worth it. I happen to be one who believes they are. My daughter attended an expensive private university based on the scholarships she won from outside sources and from the university itself. Those scholarships allowed her to attend a school that was financially out of reach. Hence, I’m a firm believer in the value of scholarships.

Here are 3 reasons I believe ALL college-bound students should apply:

Scholarships help reduce the cost of college-Free money is always better than money you have to repay.
Many times, the effort required on your part is minimal-Numerous employers hand out money to worker’s kids without requiring much more than a one-page application. Grab that cash!
Your family might not qualify for need-based aid-In this case, scholarships can eliminate the need to dip into savings or retirement to fund college expenses.

Applying for scholarships, in my mind, is a no-brainer. But the BEST of the scholarship money train is the full-ride scholarships. If you can tap into that money, your student can attend college with little money woes and graduate debt free.

Our friends at LearnU, an education news site that strives to help people stay current on the most newsworthy topics in education, education technology, education legislation and the private education marketplace, has compiled an extensive list of full-ride scholarships (competitive, academic, and National Merit Finalist). Use the list, plug your son or daughter in, and start looking at these colleges to tap into that FREE money!

Full-Ride Scholarships: List of Scholarships for Full Tuition/Full Rides

technology

Protect Your Tech at College

December 3, 2015 Suzanne Shaffer

Young people love their tech, and love sharing content — movies, music, pictures, software and games, not to mention information for classwork and projects. They also go all over the Internet to make purchases, sign up to websites and access information, often putting important personal and financial data online. The fact that most colleges do not offer great Internet in dorms or on campus can only mean that there’s often a great deal of sharing that goes on.

The problem is that as tech savvy as college students usually are, they haven’t had much experience facing up to the consequences of carelessness. Malware infections could wipe out important data, projects included, lose people money, and spread among friends.

There is of the problem of actual theft and damage, too

Hundreds of colleges publish detailed antitheft guides for the benefit of students. They do it because it’s a prevalent problem — each campus reports around 100 laptop test thefts each year. Libraries, study areas and cafés tend to be high-risk areas.

Colleges aren’t well-prepared

Going by a study by BitSight Technologies, colleges simply aren’t well-prepared when it comes to protecting the interests of their students when they use their tech in college. Not only do college students experience high levels of infections by trojans, worms and viruses, there is often the possibility of adware infection, as well. Surprisingly, Apple computers, which tend to be popular on campuses, tend to be particularly under assault with malware such as Flashback that is specific to OS X. Colleges are not particularly well-prepared against physical theft, either. Most colleges do not buy insurance to cover their students. It’s every man for himself.

Students, who tend to be under considerable financial strain paying for college, can hardly afford to have their tech stuff damaged by malware, to lose money to identity theft (which tends to be a particularly serious problem in Britain), or to lose or break their stuff. It’s important to take precautions.

Protecting your tech against online attacks

Malware: Colleges tend to offer students free anti-malware scanning and security software such as antivirus. It’s always a good idea to ask for it, rather than pay. When it comes to mobile devices, it’s important to use devices that haven’t been jailbroken or rooted. These processes can undermine inbuilt security measures. It is also important to learn how to discriminate between good software and bad (usually free) software.

Theft of financial information: Since students tend to do a lot of their internet use at public access points such as cafés and libraries, they tend to be exposed to a far greater level of risk than people who do their work at home. It’s important to remember to never access bank accounts or use credit cards at public places. It’s a far better option to do such work on a safe, personal connection — such as might be provided on a mobile Internet access plan.

Protecting your tech against physical damage

College tech stuff tends to not be very long-lived. Whether it is dropping a laptop or gaming console or spilling liquid in one, bad things happen to good equipment in colleges. Improper use is also a prevalent problem. Students, for instance, may attempt to save money on their personal printers by using ink refill kits, or purchasing remanufactured cartridges at stationery stores. It’s a far better idea both for print quality and equipment life to simply look for discount cartridges online. Discount HP, Epson and Canon ink cartridges can be sourced here, for instance.

Protecting against theft

Finally, making sure that no one steals your stuff comes down to simple common sense — you don’t want to leave your equipment in a dorm room that isn’t locked, or leave it on a table at the library when you go to the bathroom. Theft is common. Installing encryption and tracking software can be a good idea, too, if someone does get their hands on your computer.

John Sollars started Stinkyink.com in 2002, a printer cartridge supplier in the UK. He knows a thing or two about printing and he enjoys sharing his ideas and insights online through blogging.e

Gift ideas

10 Lists of Gifts for Soon-to-be College Students

November 30, 2015 Suzanne Shaffer 3 Comments

With the holidays approaching, parents are searching for gifts for soon-to-be college students. Heading to college in the fall, students have many needs (and wants). #CyberMonday is the perfect time to begin shopping for these unique gifts. This comprehensive list of gifts ideas from other websites should give you plenty of ideas when shopping for your soon-to-be college student.

Mother’s New Little (College Application) Helper

November 24, 2015 Suzanne Shaffer

Today’s guest post is from Lisa Sloan of Portland, Oregon who is currently going through the admissions process with her son.

I am a master juggler. I don’t flip fire torches or bean bags, but as a parent, I am constantly keeping all of the balls in the air––meals, carpool, school project supplies, orthodontist appointments, etc. If you’re a parent, I’m sure you know I could add a hundred more things to the list. At the time of maximum juggling, it’s time for my son to apply to college! Yay, more balls…

I was absolutely thrilled to learn about apply101. My son was able to select the schools he is interested in, and his calendar populated with all of the tasks and timelines he needed. I am able to monitor his progress through the app without having to constantly ask him if he’s done something, and having the timeline laid out for him makes it easier for him to stay on track. It’s not unlike keeping on top of homework or other assignments. I also appreciate that I can add as task that he will see without having to remember to talk to him about it. These days, those face-to-face opportunities can be hard to find, and then I have to remember what it was I needed to tell him when I do see him. Not always easy with everything else on my mind; apply101 to the rescue!

This past weekend is a great example. We had discussed letters of recommendation while we were in the car. He was looking at university websites on his phone, and of course, each school wants things differently. One school wants the letters mailed to them, which means my son needs to address and stamp envelopes to give to the teachers he asks for recommendations. Another wants them submitted online, so that means emailing the teacher with the link. A third wants it through Naviance. While I drove, my son noted each task (and address) in apply101 so he didn’t have to waste time later figuring it out again. We also brainstormed about who he would ask for the recommendations, and he noted that too. When we got home, I gave him envelopes and stamps and I left the rest up to him.

At first I thought that since his high school uses Naviance that we didn’t need apply101, but then I learned that Naviance is a vehicle to request transcripts and sometimes, letters of recommendation, and although it has great college search tools, it doesn’t provide the calendaring of timelines and deadlines that apply101 does, so it’s not redundant. They work really well together.

I think it is important that the college process be something my son owns, not something that I drive. I honestly believe that his engagement at this point is indicative of his commitment, and it foreshadows how well he will on his own in college when I am not checking in on him all the time. I also know that senior year is crazy-busy for kids, so they need someone to have their back to make sure their balls stay in the air. That’s why I like apply101. It keeps him organized and lets me peek without hovering.

essays, Guest Posts, scholarships

Online Resources to Craft a Great Scholarship Essay

November 23, 2015 Suzanne Shaffer

Writing an essay is always a challenge. You need to come up with a great idea, organize your thoughts into a concise, easy to follow structure, find supporting resources, and find the right words to make it all make sense. When you are writing an essay for a scholarship, it can be even trickier. There’s more on the line. These online resources will help you write a thoughtful scholarship essay to give you the best chance of success.

Essay Punch

Essay Punch is an interactive tutorial that takes students through all parts of the academic essay writing process. You will work with writing prompts to practice the organizing, writing, editing, and publishing stages of the process.

Thesis Builder

Your thesis is arguably the most important part of your essay. Without a strong thesis, the rest of the paper cannot take shape. And if your thesis isn’t well supported, your paper will likely fall flat. So, it’s very important that you construct a strong, easy to defend thesis. Thesis Builder will take your topic and help you come up with a great thesis.

Ask Petersen

Julie Petersen is an ESL tutor with an awesome website to help writers at all stages of the writing process. The website features educational articles, sample essays, study guides, and tools to help you succeed. There’s also a blog that offers writing tips and student life hacks. So, once your essay gets you into college, you can continue to flourish.

Help.PlagTracker

PlagTracker will make sure your scholarship essay is completely free of plagiarism. If you used any sources as references, even if they were re-written in your own words, it’s possible that the similarities will still be strong and show up as plagiarism. PlagTracker eliminates these sentences and replaces them with original content so your essay is 100% you own.

Step By Step Essay Writing Guide

Imagine that you’re stressed, extremely busy, and panicking because your essay is due tomorrow and you haven’t started yet! If this is the case, head over to EssayMama blog, and read their step-by-step guide to composing an essay in a pinch.

Teen Ink

This online magazine features articles and essays written by students. You can find fiction, non-fiction, and poetry. Use the site for inspiration for your own essay ideas or become a contributor.

Hemingway Editor

When you are writing a scholarship essay, it might be tempting to write long, eloquent sentences to show off your intelligence. This can easily backfire and can actually make it hard for your readers to understand your writing. Hemingway Editor will scan your document to make it readable. It will find any confusing or long sentences so you can re-write them. It will also point out instances of passive voice so you can change them to a more assertive active voice.

Citation Machine

When you’re writing an academic essay, you need to include references to show your research. But creating the references page is time-consuming and tedious work. Citation Machine can easily build your reference page for you. All you need to do is choose your citations style and medium and enter the data in the pre-determined fields.

Writing.com

Become a member of Writing.com (for free!) and you’ll be able to make an online writing profile, get writing tips, and receive feedback on your writing from other members. There are also contests and writing activities to keep you motivated and help improve your writing.

Do you feel better prepared to go out and write that killer scholarship essay? I hope so! Don’t expect the process to be easy. There will be bumps along the way. You’ll get frustrated and want to quit. But remember that there are tools, tutors, and other students to help you through the process and keep you focused. Visit one or more of these sites for inspiration, organization, advice, samples essays, and even one-on-one help. So, go out there and get started. What are you waiting for?

admissions, college planning

A Parents Predicament: Balancing College and Affordability

November 16, 2015 Suzanne Shaffer 1 Comment

It’s every parents predicament: balancing college and affordability. How to do pick a best value college? This infographic from Money Magazine should help.

college planning, parenting

Words of Advice for Parents of College Bound Teens

November 9, 2015 Suzanne Shaffer 2 Comments

It can be a nervous time for any parent who is sending their child off to college. I know, I have done it all before myself. However, it is easy to get consumed by your own nerves that you forget to really encourage your child.

Going to college is a huge step, and if you are nervous, imagine how your child feels. As a parent, the best way you can be there for your child is to show them support. Here are some of the best ways to encourage your child throughout their college years.

Give them space

You might be dying to hear about all their activities, but your child is out to enjoy their time! Don’t pester them by constantly phoning and texting. With the occasional message you will show you are always there. Your child will then get in touch at the times when he or she needs you the most. The best thing you can do as a parent is to give them space but be there for them when they need you most.

Learn more about their course

There are so many college courses to choose from and it is hard to keep up with them all. Even if your child is studying a more traditional subject like English or History, take the time to understand their course. Find out what they are reading. Get to know what essay topics they have to write about. This way you will be able to hold an educated conversation with them about something that matters to them. You can also use this knowledge to be able to discuss their academic goals. Help them plan out the things they want to achieve during their college years and think about what sorts of grades they want.

Get to know their friends

When your child leaves home you will no longer have any control over who they hang out with. However, you can take the initiative to get to know your child’s friends. This way you understand what sort of personalities they are attracted to and what people they tend to like. Every time you visit, have a chat with their roommate. Maybe you could even take a few of their friends out for a meal or coffee. This is great too because when your child phones you to let you know what has been happening lately, you will be able to put a face to a name.

Encourage all opportunities

At college, your child is likely to be faced with an abundance of amazing opportunities. Just because you want them to stay nearby, doesn’t mean you should discourage them. Your child has to live their life in the way they want to. One of the options that may present itself could be the chance to study overseas. Many parents feel worried about sending their child off to a foreign place. But studying abroad is one of the best opportunities you can have. Your child will discover a new culture and possibly even a new language. They will find a new independence and have friends all across the globe.

Don’t voice your fears

If you are nervous about your child leaving home, don’t let it show. You might scare them more than you want to by letting your fears rub off on them. Be supportive and enthusiastic talking about all the great experiences they will find when they are away.

Teach them about money

If your child has never lived away from home, they will more than likely not have had to fend much for themselves. However, as a student you need to be able to manage a budget and know how to control your finances. Teach them how to do this. Let them understand the value of money. If you have any tips on how to save, make sure you let them know. If you help them with this, they will be able to avoid debt after graduation.

Parenting for College

10 Tips to Help Cut College Costs