going to college christine seger, ph.d. bridges to college volunteer october 4, 2010 ansonia high...
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GOING TO COLLEGEGOING TO COLLEGE
Christine Seger, Ph.D.Bridges to College Volunteer
October 4, 2010Ansonia High School
Christine Seger, Ph.D.Bridges to College Volunteer
October 4, 2010Ansonia High School
TopicsTopics How to . . . Selection Process College Search Timeline Assessment/Placement Testing Admissions and Financial Aid Affordability Top 10 Application Mistakes Brief Loan/Debt/Payment Delays
Overview Tips for Student Success
How to . . . Selection Process College Search Timeline Assessment/Placement Testing Admissions and Financial Aid Affordability Top 10 Application Mistakes Brief Loan/Debt/Payment Delays
Overview Tips for Student Success
Selection ProcessSelection Process Public, Private, or Proprietary 2-year, 4-year, or Specialized Program Large, Medium, or Small Rural or Urban, Residential, or Commuter Full-time or Part-time Employment Opportunities Student Life Campus Feel/Attractiveness Proximity
Public, Private, or Proprietary 2-year, 4-year, or Specialized Program Large, Medium, or Small Rural or Urban, Residential, or Commuter Full-time or Part-time Employment Opportunities Student Life Campus Feel/Attractiveness Proximity
Selection Process (cont’d)Selection Process (cont’d) Proximity
Within area v. distance
Campus Feel How does the campus make you feel?
Institution Type 2-year v. 4-year Public v. Private
Proximity Within area v. distance
Campus Feel How does the campus make you feel?
Institution Type 2-year v. 4-year Public v. Private
College Visits College Visits IMPORTANT! Visit Colleges of Interest
Increase interest Understand history and tradition Get “feel” for campus
Make Admissions Appointment Take Tour Visit Financial Aid - get all info! Walk around on own
IMPORTANT! Visit Colleges of Interest
Increase interest Understand history and tradition Get “feel” for campus
Make Admissions Appointment Take Tour Visit Financial Aid - get all info! Walk around on own
For-Profit InstitutionsFor-Profit Institutions
Also called ‘proprietary colleges’
They are: Purposeful Specific Expensive Non- or nationally accredited “Sales driven” / heavily marketable
Also called ‘proprietary colleges’
They are: Purposeful Specific Expensive Non- or nationally accredited “Sales driven” / heavily marketable
For-Profit Institutions (cont’d)For-Profit Institutions (cont’d)
Some for-profit institutions have: Questionable recruiting practices High loan default rates
‘Gainful Employment’ regulations: Institutions must prove that previous students are
capable of or paying off student loan debt Estimate 5% of programs would lose funding Debt-to-income ratios must be within 30% discretionary
income and 12% total income
Some for-profit institutions have: Questionable recruiting practices High loan default rates
‘Gainful Employment’ regulations: Institutions must prove that previous students are
capable of or paying off student loan debt Estimate 5% of programs would lose funding Debt-to-income ratios must be within 30% discretionary
income and 12% total income
Admissions & Career DecisionsAdmissions & Career Decisions Social Networking Sites (Facebook & MySpace)
Consider the following ideas: Networking Form study groups Find old friends Illicit photos Illegal activities Future career aspirations Accessibility of information
(UniversityParent.com, 2009)
Social Networking Sites (Facebook & MySpace)
Consider the following ideas: Networking Form study groups Find old friends Illicit photos Illegal activities Future career aspirations Accessibility of information
(UniversityParent.com, 2009)
College Search TimelineCollege Search Timeline
College Search (Freshmen - Senior) Research, research, research
College Applications (Junior-Senior) Apply v. Early Application
Apply for Financial Aid Scholarships (Freshmen - Senior) FAFSA (Senior)
Review Financial Aid Package (Senior) Form decision
College Search (Freshmen - Senior) Research, research, research
College Applications (Junior-Senior) Apply v. Early Application
Apply for Financial Aid Scholarships (Freshmen - Senior) FAFSA (Senior)
Review Financial Aid Package (Senior) Form decision
College Timeline (cont’d)College Timeline (cont’d) Decide School Choice (Senior)
Make decision & pay deposit (if required) Attend Orientation (Senior)
1- or 2-day event Register for Classes (Senior)
Full-time (12+ hours) It’s official – You’re in College!
Start classes & seize your dreams
Decide School Choice (Senior) Make decision & pay deposit (if required)
Attend Orientation (Senior) 1- or 2-day event
Register for Classes (Senior) Full-time (12+ hours)
It’s official – You’re in College! Start classes & seize your dreams
ACT/SAT TestACT/SAT Test
American Collegiate Test (ACT) Primarily used on East Coast & Midwest
Scholastic Achievement Test (SAT) Primarily used on West Coast & Midwest
Must complete for 4-year application Not required at community colleges
Take in the junior or senior years The earlier the better!
American Collegiate Test (ACT) Primarily used on East Coast & Midwest
Scholastic Achievement Test (SAT) Primarily used on West Coast & Midwest
Must complete for 4-year application Not required at community colleges
Take in the junior or senior years The earlier the better!
ACT Test InformationACT Test Information
It is absolutely imperative that Seniors and Juniors register for and complete the ACT
Seniors should register by November 5 for the December 11 test
Also important for Juniors to complete test if they have not yet done do Greater re-test advantage Have a better understanding of test
It is absolutely imperative that Seniors and Juniors register for and complete the ACT
Seniors should register by November 5 for the December 11 test
Also important for Juniors to complete test if they have not yet done do Greater re-test advantage Have a better understanding of test
Assessment/Placement TestingAssessment/Placement Testing
Required for course placement Writing Reading Math
Waivers/Substitutions are available ACT/SAT scores HS Transcript Advanced Standing
Required for course placement Writing Reading Math
Waivers/Substitutions are available ACT/SAT scores HS Transcript Advanced Standing
Admissions and Financial AidAdmissions and Financial Aid Apply Concurrently
Can list several schools on FAFSA Financial Aid Deadlines - Important!
Federal, State & Institutional Award Comparisons
Institution type Scholarship opportunities Total financial aid offer Total cost Negotiate award packages???
Apply Concurrently Can list several schools on FAFSA
Financial Aid Deadlines - Important! Federal, State & Institutional
Award Comparisons Institution type Scholarship opportunities Total financial aid offer Total cost Negotiate award packages???
AffordabilityAffordability Reduce the financial burden (in HS)
Postsecondary Education Option Program (PSEOP)
Take ACT/SAT as early as possible “Take A Course On Us” (i.e. Ivy Tech) Keep Grades Up - Work Hard! Do Volunteer Work Get Involved in Extracurricular Activities Get a Part-time job
Reduce the financial burden (in HS) Postsecondary Education Option
Program (PSEOP) Take ACT/SAT as early as possible “Take A Course On Us” (i.e. Ivy Tech) Keep Grades Up - Work Hard! Do Volunteer Work Get Involved in Extracurricular Activities Get a Part-time job
Affordability (cont’d)Affordability (cont’d) Reduce the financial burden (in College)
Apply for ALL Financial Aid Programs (federal, state institutional and private)
Consider the following: 2-year v. 4-year; In-State v. Out-of-State;
Public v. Private Commuting v. On-Campus (meal plan options) “Thrifting” v. buying new Become an RA Rent or buy textbooks, e-books, check online for
cheaper options, share books; resell at term end Minimizing “Your Time to Go!” (summer school)
Reduce the financial burden (in College) Apply for ALL Financial Aid Programs (federal, state
institutional and private) Consider the following:
2-year v. 4-year; In-State v. Out-of-State; Public v. Private
Commuting v. On-Campus (meal plan options) “Thrifting” v. buying new Become an RA Rent or buy textbooks, e-books, check online for
cheaper options, share books; resell at term end Minimizing “Your Time to Go!” (summer school)
Affordability (cont’d)Affordability (cont’d) Consider other cost saving measures:
AmeriCorps, Volunteers in Service to America (VISTA), ROTC, Peace Corps
Money in exchange for service upon graduation Maintain written budget of expenses Compare cell phone plans Consider basic PC over expensive laptop Verify ALL charges on account (i.e. health
insurance Consider NOT having a car Wants v. needs
Consider other cost saving measures: AmeriCorps, Volunteers in Service to
America (VISTA), ROTC, Peace Corps Money in exchange for service upon graduation
Maintain written budget of expenses Compare cell phone plans Consider basic PC over expensive laptop Verify ALL charges on account (i.e. health
insurance Consider NOT having a car Wants v. needs
Additional Affordability OptionsAdditional Affordability Options
Work Colleges (i.e. College of the Ozarks) Labor in exchange for money toward tuition Work Colleges Consortium (www.workcolleges.org)
Graduation Guaranteed (i.e. Utah State, Western Illinois, & U of Colorado-Boulder) Develop academic plan to finish in 4 years Take normal courseload & pass classes each
term Graduate in 4 years or extra expense on
college (Couch,
2009)
Work Colleges (i.e. College of the Ozarks) Labor in exchange for money toward tuition Work Colleges Consortium (www.workcolleges.org)
Graduation Guaranteed (i.e. Utah State, Western Illinois, & U of Colorado-Boulder) Develop academic plan to finish in 4 years Take normal courseload & pass classes each
term Graduate in 4 years or extra expense on
college (Couch,
2009)
Addl Affordability Options (cont’d)Addl Affordability Options (cont’d) Fifth Year Free (i.e. Clark Univ, MA)
“Buy 4, get 1 free” - finish four years & get year of graduate school free
Contact Admissions or check website Tuition Locks (i.e. Huntingdon College,
Hiram College, Central Michigan U) Plan that locks tuition at freshmen year Read the fine print - for details!
(Couch, 2009)
Fifth Year Free (i.e. Clark Univ, MA) “Buy 4, get 1 free” - finish four years &
get year of graduate school free Contact Admissions or check website
Tuition Locks (i.e. Huntingdon College, Hiram College, Central Michigan U) Plan that locks tuition at freshmen year Read the fine print - for details!
(Couch, 2009)
Top 5 College Application MishapsTop 5 College Application Mishaps
1) Apply to MORE than one college2) Apply EARLY for admission to college3) Make sure student’s name, ssn, and date of
birth match the STUDENT4) Complete ALL application information in
its entirety5) Apply to the correct program
1) Apply to MORE than one college2) Apply EARLY for admission to college3) Make sure student’s name, ssn, and date of
birth match the STUDENT4) Complete ALL application information in
its entirety5) Apply to the correct program
Top 5 Financial Aid MishapsTop 5 Financial Aid Mishaps
1) Complete the FAFSA by the COLLEGE’S deadline
2) Make sure student’s name, ssn, and date of birth match the STUDENT
3) Apply for scholarships ON-TIME4) Do NOT borrow more than is needed to
attend college5) MONITOR progress of aid application
1) Complete the FAFSA by the COLLEGE’S deadline
2) Make sure student’s name, ssn, and date of birth match the STUDENT
3) Apply for scholarships ON-TIME4) Do NOT borrow more than is needed to
attend college5) MONITOR progress of aid application
Student LoansStudent Loans Types of Student Loans
Federal Direct Subsidized/Unsubsidized Federally Insured Guaranteed Sub: 4.5% Interest Rate; Unsub: 6.8% Interest Rate
Federal Direct PLUS Federally Insured Not Guaranteed (must be credit worth) 7.9% Fixed Interest Rate
Private (Limited programs) Based on creditworthiness; higher interest
Types of Student Loans Federal Direct Subsidized/Unsubsidized
Federally Insured Guaranteed Sub: 4.5% Interest Rate; Unsub: 6.8% Interest Rate
Federal Direct PLUS Federally Insured Not Guaranteed (must be credit worth) 7.9% Fixed Interest Rate
Private (Limited programs) Based on creditworthiness; higher interest
Student Loans (cont’d)Student Loans (cont’d) Federal Direct Loans
Annual Subsidized/Unsubsidized Loans Dependent: $5500 Frosh; $6500 Soph;
$7500 Jr/Sr Independent: $9500 Frosh; $10,500 Soph;
$12,500 Jr/Sr Unsub: students pay interest in school
Aggregate loan limit increases Dependent: $31,000 (up from $23,000) Independent: $57,500 (up from $46,000)
Federal Direct Loans Annual Subsidized/Unsubsidized Loans
Dependent: $5500 Frosh; $6500 Soph; $7500 Jr/Sr
Independent: $9500 Frosh; $10,500 Soph; $12,500 Jr/Sr
Unsub: students pay interest in school Aggregate loan limit increases
Dependent: $31,000 (up from $23,000) Independent: $57,500 (up from $46,000)
Loan Repayment Loan Repayment Repayment Types
Standard; Extended; Income-Based Incentives
Subsidized Stafford Interest Rate Cuts Reduce from 2008 through 2012
Loan Forgiveness Programs Public Service; Nursing; Education
Employer Tuition or Loan Repayment Health Professions (most prevalent) AmeriCorps
Repayment Types Standard; Extended; Income-Based
Incentives Subsidized Stafford Interest Rate Cuts
Reduce from 2008 through 2012 Loan Forgiveness Programs
Public Service; Nursing; Education Employer Tuition or Loan Repayment
Health Professions (most prevalent) AmeriCorps
Tips for Student SuccessTips for Student Success
Develop an Academic Plan Map out entire program of study and stick to it Follow your plan and set goals along the way If you want/need to change majors, develop new
academic plan Complete a co-op or internship or Study Abroad Get involved! Meet people Don’t be afraid to ask for help
Develop an Academic Plan Map out entire program of study and stick to it Follow your plan and set goals along the way If you want/need to change majors, develop new
academic plan Complete a co-op or internship or Study Abroad Get involved! Meet people Don’t be afraid to ask for help
Helpful WebsitesHelpful Websites
www.ohiocan.org/darke www.studentaid.ed.gov www.finaid.org www.projectonstudentdebt.com www.collegeboard.com www.collegeanswer.com www.fafsa.ed.gov www.fastweb.com
www.ohiocan.org/darke www.studentaid.ed.gov www.finaid.org www.projectonstudentdebt.com www.collegeboard.com www.collegeanswer.com www.fafsa.ed.gov www.fastweb.com
ResourcesResources
Couch, C. (2009). Four secret tuition savers. Found online at http://www.fastweb.com/financial-aid/articles/375-four-secret-tuition-savers.
Universityparent.com (2009). Social media do’s and don’ts for college students. Found online at http://www.fastweb.com/student-life/articles/1281-social-media-dos-and-donts-for-college-s.
Couch, C. (2009). Four secret tuition savers. Found online at http://www.fastweb.com/financial-aid/articles/375-four-secret-tuition-savers.
Universityparent.com (2009). Social media do’s and don’ts for college students. Found online at http://www.fastweb.com/student-life/articles/1281-social-media-dos-and-donts-for-college-s.
Contact InformationContact Information
Christine (Chris) SegerDirector of AdmissionsIvy Tech Community College Richmond2357 Chester BlvdRichmond, IN 47374(765) 966-2656 x1218 or (800) 659-4562 [email protected]
Christine (Chris) SegerDirector of AdmissionsIvy Tech Community College Richmond2357 Chester BlvdRichmond, IN 47374(765) 966-2656 x1218 or (800) 659-4562 [email protected]
Special Thanks To:Special Thanks To:
Bridges to College Program Beth Sears All of You!
Bridges to College Program Beth Sears All of You!