Tag Archives: college costs

Scholarships: Military dependents

 

militaryAre you or your spouse in the military? Do you have a family member that was a veteran of a foreign war? If so, there are scholarships available in these specific categories.

State Provided Education Benefits

Educational benefits for families, particularly the children of deceased, MIA, POW, and disabled veterans, may be available in some states. Military.com has developed an on-line general summary of educational benefits for veterans, surviving spouses and their dependents.

Click here to learn more about State Education Benefits.

Private Scholarships and Grants

While looking for money for school many surviving spouses and their families overlook the over $300 million of military – and veteran – related scholarships and grants. These scholarships often go unclaimed.

Visit Military.com’s Scholarship Finder today and get started.

Local Scholarships

Also, don’t neglect to search in your military community. Many service aid organizations and associations, like the Navy Marine Corps Relief Society, offer scholarships, grants, and low interest loans to help cover education expenses.

 

Top 10 College Money Sites

 

Every parent frets, stresses and loses sleep over financing their college-bound teen’s college education. The good news is there is help available out there to ease your mind and get you on the right track to preparing for that day when your teen heads off to college. Here’s a list of my Top 10 College Money sites:

 

1. Reduce My College Costs–Marc Hill, CCPS, RFC® and founder of Reduce My College Costs, LLC. is both a financial planner and a parent, who know what you are going through. That’s why he created his firm to be a little different. It is not a scholarship search firm and not a student loan lender. He is well-versed in the financial aid process, but he knows not everyone is eligible for financial aid. So he takes a broader approach-identifying a variety of solutions that will make college more affordable for people at all income and asset levels.

2. FinAid–gives an overview of all types of college funding from scholarships, to loans, to savings, to military aid, to loans with links and information on each of them.

3, Saving for College–A top notch site explaining in great detail all the in and outs of college savings with calculators and tax information.

 

4. UPromise–A college savings service that harnesses the purchasing power of parents, extended family, family, and students to make it easier to pay for college. Members direct their spending to Upromise partners-including more than 600 online stores, 8,000+ restaurants, thousands of grocery and drugstore items-and earn money for college.

5. CollegeAnswer–Sallie Mae’s money management site gives an overview on college financing focusing on loans. The site provides a great School Affordability Analyzer.

 

6. CNN Money/College–A great site for the latest college financing news, calculators and how to maximize your financial aid.

 

7. MSN Money/College–A guide to saving for college with The Basics, Fast Answers and a message board.

 

8. CollegeBoard–The College Board’s EFC calculator which will help you determine your Expected Family Contribution BEFORE your teen starts applying to colleges.

 

9. Money Management 101–A blog created to help parents and students learn about money management.

 

10. StudentAid–A site for free information from the U.S. Department of Education and the home of the FAFSA4caster.

Ford Motor Co. launches new scholarship

fordscholars

Ford Motor Company has launched a new scholarship contest on Monday, March 15. Modeled after Ford’s own standard of giving back to the communities in which it works, the two-part scholarship contest is open to high school seniors and current college students enrolled in an accredited U.S. college or university by September 30, 2010.

The contest asks a simple question: what is your heart behind? Ford Motor Company wants to hear what students are doing to make a positive impact in their communities. The first place winner will receive a $3000 scholarship, second place a $2000 scholarship and third place a $1000 scholarship.

Essays will be accepted from March 15 to April 9, 2010 online at www.fordscholars.org. From there, ten semi-finalists will be selected to win an ULTRA HD FLIP Cam for their outstanding efforts. The semi-finalists will then use their new FLIP Cam to produce a 3-minute video illustrating their essay. The videos will be posted to www.fordscholars.org for public voting May 10-14, 2010. The public votes combined with the judging panel will determine the scholarship winners.

Winners will be announced on May 17, 2010.

Scoring FREE stuff on campus




Everybody like freebies. Taking advantage of all the freebies that are given away on campus to college students is a MUST. Teaching your kids to watch for them is all part of being an effective parent college coach.. Why pay for something when it’s available for FREE?

By Lauren Joffe for The Real College Guide

It’s no urban legend: Free stuff is doled out on college campuses all the time. But it’s up to you to scout out where to find these complementary goods. From pizza to plane tickets to straight-up cash, we show you what you can get and how to score it … so keep reading.

free-stuff

Free Entertainment
Get tickets to concerts, sporting events, art exhibits, theater openings, forums and lectures.

How to score: Use your student ID card as an all-access pass. Every campus has a student union building, and if you’re unfamiliar with it, we suggest you become acquainted, since it’s plastered with bulletin boards announcing free upcoming events for students.

Free Food
Get free pizza, soda, snacks or breakfast, depending on the time of day.

How to score: Attend club meetings. “If you look in your student building and sign up for all the listservs, you will know when clubs and residence halls are giving away free food,” says New York University sophomore Doreen Naor. “With breakfast, you can basically always get muffins and coffee, and for real meals, most clubs give out pizza.” Join three clubs that meet weekly, and you’re looking at three regularly scheduled meals.

We also like CampusFood.com, where you can play online games that earn coupons for your next restaurant visit. A few clicks at a mindless computer game, and you can have yourself a free meal. Not too shabby!

Free Cash
Earn hard cash (typically from $5 to $10 for about an hour of your time — could be up to $100). No taxes taken out, no checks.

How to score: Participate in a focus group or study, which typically requires very little effort, such as filling out an easy survey. Head over to the campus psychology building, where you’ll find volunteer recruitment flyers.

Focus group companies pay more for your input. If your school is in a metropolitan area, check out focus group centers in need of college student participants. Go to FindFocusgroups.com to scope out opportunities near you.

Free Swag
Pick up product samples, coupons, gift certificates and other giveaway items, including iTunes cards, DVD players and even airline tickets.

How to score: “All you have to do is open your eyes and pay attention,” says NYU junior Annie Baer. “There are always people giving away free things [on campus].” Marketing companies often hire student reps to hold major promotions that often include giveaways and contests on college campuses. Next time you see a student rep giving out samples, ask if the campaign offers any other giveaways.

Note: You can get updates about sponsored events and contests directly from the source. By becoming a Facebook fan of brands or products you like, you can get automatic updates about big promotions and giveaways, and be the first to know about any contests they might be hosting.

Scholarships for Learning Disabled

 

learning disabilitiesIf you have a college-bound teen who is learning disabled, you will be happy to know that there are specific scholarships set aside for these type of students.

Start by looking at the Learning Disability Organizations in your home state. Those state specific college scholarships for ADHD will be less competitive than national scholarship programs as well, which makes them worth checking out even if the award amounts are small.

Another resource that students and parents seldom think about is scholarship programs that are only learned about through the Disabilities Department at the college that your teen will attend. It is vital that you check in with, and register with this department at the school, and inquire about available scholarship programs for learning disabled students when doing so.

Check into school specific college scholarships for ADHD available for learning disabled students as well. Many colleges offer at least one, if not several, ADHD scholarships for students who are learning disabled, and who will be attending that specific school, or even students enrolled in specific programs of studies – if they are learning disabled. Of course, ADHD Scholarships, although not specific, are considered learning disability scholarships as well.

Make absolutely certain that you check with vocational rehabilitation organizations or departments in your state and county as well. These organizations exist for the purpose of helping those who have been displaced or unable to work and get the educations that they need to find gainful employment – despite disabilities. Often, people mistakenly believe that these organizations only help adults who have already been in the workforce, but this isn’t true at all. They can also appraise graduating high school seniors and college students about scholarship and grant programs available for ADHD or learning disability scholarships.

Many organizations who would otherwise offer college ADHD scholarship programs for learning disabled students fail to do so because they assume that learning disabled students, such as those with ADHD will not be attending college. Today, nothing could be further from the truth, and in many cases, if you contact organizations or businesses that are related to ADHD in some way, you may find that they will help you to fund your teen’s education in some small way.

Here are just a few examples:

Smart ways to live cheaper on campus



Here’s some great tips to help parents help their college-bound teens save some money when they go off to college. Take notes and start implementing these strategies into their lives BEFORE they leave for college.

By David Replogle for The Real College Guide

Living on a shoestring budget? Whether your parents float you funds or you’re pulling a part-time paying gig, here’s how to stre——-tch every precious penny.

piggy-bankBroke — it’s a common catch in student jargon. “OMG, I broke my phone at that rager last night” or “I just broke up with my girlfriend ’cause she was cheating on me with my best bud.” But when used as an adjective, the word describes the financial status of most college kids.

Unless Dad is handing over his preferred platinum card or you strike it rich selling those musty ol’ Pokemon cards, you’ll have to get by on meager means. Here are some painless ways to get major bang for your buck … even if it’s your last buck.

Put the “Eat” in Creativity

Whether you’re craving a change from the monotonous glop of the dining hall, celebrating a friend’s birthday at a nearby bistro or taking a study break to go for a late-night munch, your wallet will take a hit. Cutting back on these extravagances means getting clever.

  1. Buy in bulk When stashing snacks in your room, think long term. Talk to your roommates about pitching in for some grub, then head to the nearest warehouse retail chain to stock up on industrial-sized cheaper-in-the-long-run crates of Ramen packets and other non-perishables. Many discount clubs offer collegiate membership rates, and some give free introductory one-time shopping passes for non-members to bypass the annual fee altogether.
  2. Use the student discount Grocery stores, restaurants and even places on campus usually have discounts for students. Even if you don’t see it advertised, it doesn’t hurt to ask. Have your student ID at all times. It could save 15 percent on that panini or score you a free dessert!
  3. Sniff out free food Complimentary chow is almost as popular on campus as the latest gossip on CollegeACB. “Club meetings and churches are always looking to give out food to potential new members,” says Robby Panos, a University of Virginia junior. Philanthropic bashes and school-sponsored speaker events are also prime time for gratis grubs. Grab a slice of pizza and take in a lecture.
  4. Have a drink on me Students pour beaucoup bucks down the drain when indulging in conveniences like Starbucks and bottled water. Invest in a coffeemaker so you can brew your own, and get yourself a travel mug. Pick up a refillable water bottle too if your college’s tap is tolerable. Bonus: It’s better for the environment.

That’s Entertainment

Life doesn’t have to be a snore just because your pockets are empty. Money buys neither happiness nor a stellar social life. You can get out and about without tossing around a ton of green.

  1. Be art smart Your campus is probably rife with free productions, concerts and workshops. Problem is, nobody really hears about them … and when people do, the enthusiasm is usually lower than the grade on your last calculus test. Time to do some research (track down calendars of events), gather up your dorm mates and head to the next pay-what-you-can play or free movie screening. Even if it’s bad, you’ll get a few laughs — or at least the opportunity to heckle!
  2. Speak Greek Not joining a frat or sorority will save you a lot of cash right out the gate. But what happens when you want to get into the best party of the year and don’t have the connections? Exchange names of brothers and sisters you know with friends and ask them to do the same — on most college campuses, name dropping is the ticket to free admission. Once you’re inside, you’ll get beverages … and if you’re lucky, maybe even a few phone numbers.
  3. Out on the town Be in the know too when it comes to events in neighboring areas. Community organizations often host free outdoor festivals with live music. Local restaurants have early-bird specials. Theater workshops and art galleries frequently offer free or reduced admission. (Again, don’t forget to ask about student rates.) Read newspapers and pay attention to fliers. It could pay off.
  4. Any singles? If you have a significant other who saps all your savings, it may be time to have a chat about cutting back on unnecessary costs or to ask your partner to pull his or her own weight. If this person is not important to you, you may even consider living the single life for now. Romantic dinners and little gifts add up. Is it worth it? Your call.

Shop Till You Plop

Enter upscale department stores and exclusive boutiques at your own risk, but you don’t have to totally give up the urge to splurge. Just tone it down a few notches.

  1. Clothes the deal Punch up your wardrobe without breaking the bank: shop clearance racks. (The best ones are where an additional markdown is given to already slashed prices.) Look for one-of-a-kind finds in thrift and consignment stores. Pick up inexpensive accessories at discount stores and chain boutiques.
  2. Gotta dollar? Discover the beauty of the dollar store. It’s great for party supplies, stationery, candles, soaps, toiletries and tons more. Whether you’re buying useless trinkets or practical necessities, think about it: You can walk in there with a 10-spot and leave with lots of loot. Heck, you can scrape together a dollar plus tax in pocket change and treat yourself to something.
  3. Be a coupon king or queen Keep a lookout for coupons on one-day shopping events at major department stores. Also sign up for email notifications of store specials and be sure to check online for Internet coupons before making a big purchase. (Restaurants and fast food chains run a lot of coupon specials too, so keep your eyes on the prize.)
  4. Beauty booty Ladies, fine department stores dole out free samples at the cosmetics counters. Want to road test a lip color or facial moisturizer or new perfume? March on over there with an air of confidence and ask the consultant to show you some options. She’ll likely give you mini-sized products to try at home.
  5. What a card! If you’re a die-hard shopaholic experiencing severe withdrawal, hold off before reaching into your cash stash by keeping in mind that the holidays are right around the bend. “It might be painful to wait all semester,” says Appalachian State senior Diane Vachon, “but soon enough you’ll have a dozen gift cards with your name on them.”

Common Cents

Ask not what you can do for your school but what your school can do for you. Universities give back to their student patrons in plenty of ways, so take advantage.

  1. Be book smart The library isn’t just for studying, using the Net and people-watching. It actually contains books — a revelation, I know. If you’re taking subjects like lit, history or philosophy, the library could relieve a big financial burden. Instead of turning to the expensive school bookstore (or even Amazon) for a book, do a quick search on the libe’s browser to see if it’s available. Then drop-kick the kid who’s about to check it out.
  2. Get off your lazy butt If you have access to the campus gym and you’re paying for a pricey fitness membership, stop. Other free-of-charge physical activities: walking, jogging, hiking, in-line skating, riding your bike, a pickup basketball game, lifting weights in your room, dropping to the floor to do sit-ups and push-ups … shall we go on?
  3. Let’s make a deal You’re a smart cookie, so figure out how to split costs with your roommate. Double up on your laundry to save quarters. Share a printer, swap playlists and take the same cab home from a party. And if you’re both heading out of town, consider carpooling. Even if you and your roomie aren’t the best of buds, a road trip is always less taxing when there’s company … and music.
  4. Hop on that job “The No. 1 thing I can say is find a job on campus,” offers up Wabash College junior Mack O’Shaughnessy. “It’s the best way to get some extra cash in your pocket.” On-campus stores and restaurants are often hiring. Just don’t tell the folks: You still need someone’s sympathy, especially when it comes in the form of a crisp Benjamin.

Scholarships: JROTC and FFA

 

Searching for scholarships can be overwhelming, especially if you don’t know where to look; or in this case, how to plan. Sometimes planning for scholarship opportunities takes a little foresight and preparation, but the benefits and the rewards definitely pay off.

JROTC Scholarships

jrotcMany high schools across the country offer a class called JROTC (Junior Reserve Officers Training Corps). It’s more than a class, however. It’s an opportunity to qualify for scholarships at the military academies and in college ROTC programs. Additionally, many parent booster groups offer scholarships to cadets who participate in the program. Even if your college-bound teen doesn’t plan to pursue a military career, JROTC offers a great opportunity to show colleges they possess leadership qualities and communication skills. Units also teach discipline and respect.

Read this article to find out more information about JROTC:

Junior ROTC-more than just a class to cadets

ffaFFA Scholarships

FFA (Future Farmers of America) clubs in high schools offer another opportunity for students to win scholarships. Students raise livestock and participate in livestock shows. Most exhibitors leave the livestock show with some money for college, and many win additional scholarships.

Read this article to get more information on FFA and livestock competitions:

Scholarships: Another way for stock show competitors to win big

If your college-bound teen shows an interest in either of these two areas, it’s an excellent opportunity for them to turn their interest into some money for college.

How to raise $15,000 for college

 

A few weeks ago I attended a virtual college event at CollegeWeekLive. I was impressed with the simplicity of the information and wanted to pass it along to all my readers who might not have had the opportunity to attend. This particular session was conducted by Kim Clark, staff writer for U.S. News and World Reports. She outlined some simple steps to raise $15,000 for college:

  1. Up to $2500 from Uncle Sam–via tax credits (Hope and Lifetime Learning Credit)
  2. Child labor–put your teen to work at a summer job ($8 an hour x 40 hours a week for 9 weeks=$2880)
  3. Student loans–Stafford Loan ($5500 max per year at 7%); after student leaves college can sign up for payments based on their income (less than 15%)
  4. Family savings–cut teen to occassional driver and save $; food bills will decline; stop subsidizing entertainment (food and insurance can =$300-$400 a month)
  5. Scholarships and grants–leverage grades, test scores, athletics, arts for merit-based grants; apply for local scholarships
  6. Friends and relatives–ask for college fund contributions instead of presents
  7. Corporate sponsorship–some employers subsidize education for employees and families; UPromise
  8. Reduce college expenses–reduce dorm costs (share with other students); watch meal plans; buy used textbooks or rent; earn cheaper credits at community college, AP classes or dual credit classes; sell student’s car (won’t need one at college)

The bottom line: $15,000 or MORE! Here’s how it all adds up:

  1. Tax break-$2500 per year
  2. Student loan-$5500 per year
  3. Student job-$3000 per year
  4. Parent savings-$4000 per year
  5. Relatives-_____ (fill in blank)
  6. Scholarships-____(fill in blank)
  7. Corporate sponsorship-____(fill in blank)
  8. Reduction in college expenses-_____(fill in blank)

By piecing together all these separate components, there is no limit on how much you can raise for college costs. At the very least you can raise $15,000, at the very most, the sky is the limit!

You can check out U.S. News and World Reports education section: Paying For College for more information and tips.

Paying for College

collegeweekliveToday is CollegeWeekLive’s FREE online event that will answer many of your questions about paying for college.  They have taken the time to gather all the experts and bring the information to you in the comfort of your own home. Sit down with a cup of coffee and watch, listen and chat while they give your their tips on financial aid, scholarships and financing.

Straight from College Week Live’s email:

Would you like to talk live with representatives of the US Dept of Education, Office of Federal Student Aid office about the new Free Application for Federal Student Aid (FAFSA) form and federal financial aid options? Want to speak with an expert from US News & World Report about tracking down cash for college? Would you like to find scholarships or get advice from college financial aid officers?

Get all this and more at CollegeWeekLive PAYING FOR COLLEGE on January 14th from 3:00 – 10:00 PM Eastern. Register for free and login this Thursday to speak live with this all-star cast of financial aid and scholarship experts!

3:00 PM Eastern How to Raise $15K for College Right Now
Kim Clark, Staff Writer, US News & World Report
3:30 PM Eastern How to Tap Into $11 Billion in Merit Scholarships
Chris Long, President and Chief Operating Officer, MeritAid.com
4:00 PM Eastern Elks National Foundation Scholarships
Kristen Scaletta, Programs Relationship Associate, Elks National Foundation
4:00 PM Eastern Money for the Student Athlete
Dion Wheeler, Author: “Sports Scholarship Insider’s Guide”
4:30 PM Eastern The Scholarships.com Program
Kevin Ladd, Vice President, Scholarships.com
5:00 PM Eastern Finding Money: A Guide To Financial Aid
Featuring Martha Savery, Director of External Relations, MEFA
7:00 PM Eastern Funding Your Education: Expert Tips to Navigate the Financial Aid Process
Adam Essex, Senior Project Manager, US Dept of Education, Office of
Federal Student Aid
9:00 PM Eastern Ask a Financial Aid Officer
Financial Aid Officers For Hawaii Pacific University and University of Alaska Fairbanks

Visit the Scholarships.com booth on the Financial Aid floor for more scholarship information and live chat!

Don’t forget about the CollegeWeekLive scholarships: Click here for more information!

  • $1,000 scholarship for the student of a parent who registers and attends CollegeWeekLive PAYING FOR COLLEGE
  • $3,000 scholarship for a student who registers and attends any 2010 CollegeWeekLive event prior to March 31, 2010

You don’t want to miss this FREE resource. Set your alarms, your watches, your smartphones and your Outlook calendars. See you in cyberspace!

Motivating an underachiever toward college

unmotivated
Image by octavio lopez galindo from Pixabay

One of my Twitter friends sent me a direct message the other day asking me how to deal with an underachiever high school student. Honestly, it’s a question I asked myself years ago when my son was an average student and not making any attempt to focus on college goals. Part of his lack of interest, was my lack of participation as a parent. He was making average grades and never had to crack open a book. I was somewhat content to let him be and concentrate on other things. Once he made the decision to join the Marine Corps I realized he felt he had no options left but to enter the military. It taught me a valuable lesson: parents play a pivotal role in motivating our teens toward college. I did not make the same mistake with my daughter.

Here’s what I did differently the second time around:

  • I researched all financial options, including scholarship opportunities. My son always knew that paying for college would be difficult and I never let him know that we had committed to help him and would pursue all options available.
  • I helped my daughter stay organized and on top of the college process. We began early looking at colleges and applying for scholarships.
  • I had numerous discussions with her about the importance of a college education and the importance of attending a college that fit her aspirations and goals.
  • I let her be a part of the process but I didn’t leave her alone to figure it all out by herself.
  • When her grades started to drop, I had conversations with her teachers and got her set up for extra tutoring.
  • I taught her about consequences and she understood that ignoring her grades in high school would influence her acceptance into college.

Here are some other helpful tips that I have learned as a Parent College Coach:

  • The best motivator is other teens. If your teen is hanging out with other teens who are motivated and achieving, they are more likely to do the same.
  • Hook your teen up with a local college mentor.
  • Get some advice on teen motivation from parenting experts.
  • Encourage your teen to connect on Instagram and TikTok with students from a college and chat with them.
  • Get inside your teen’s head and find out why they aren’t motivated. Are they afraid of college? Do they feel they won’t get accepted if they apply? Do they have a dream that is so big they need your encouragement?
  • Listen. Quizzing never helps. Just sit in their room and listen to them talk. Listen to them talk on the way to school, at dinner, during television shows, and when their friends are hanging out at your house.

My daughter always wanted to go to college. But as I think back, so did my son. As a child he dreamed of attending Harvard. He definitely had the brains and the ability to be accepted at that college, but I never encouraged him to follow that dream. I honestly didn’t think as a middle class family, we could afford to pay for it. I have since learned otherwise and that’s why I want to pass this information on to other parents who are struggling with motivating their sons and daughters to succeed in high school so they can succeed in college. The best teacher is ALWAYS experience!