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Showing posts with label loans. Show all posts
Showing posts with label loans. Show all posts

Monday, November 21, 2011

371. College Access and Success News



Here are links to recent news on college access and success.

by

Joe Rottenborn

Executive Director, Mahoning Valley College Access Program (MVCAP)





1. Read The Joe Rottenborn Daily ▸ today's top stories on college access and success via @rottenbornj ▸ http://paper.li/rottenbornj


2. Part 6: Answers to Your Questions on Student Loans and Scholarships, by Mark Kantrowitz: http://nyti.ms/smnRyj - "How do you pay for college when you don’t qualify for need-based aid, all in-state schools have rejected your student, and the only opening is an out-of-state public school with $30,000-plus/year in expenses? Are loans the only option?"


3. Last of 7 Parts: Answers to Your Questions on Student Loans and Scholarships, by Mark Kantrowitz: http://nyti.ms/voeFJ9 - "There are several billion dollars of scholarships that are based primarily on merit. A few of these scholarships have a financial need component, but most do not. However, these scholarships are very competitive, with only about one in eight students in bachelor’s degree programs using scholarships to pay for their education. Scholarships are part of the plan for paying for college, but not the entire plan. Very few students win enough money each year to cover all college costs."


4. Report from higher education research group's annual meeting, by Doug Lederman Inside Higher Ed: http://bit.ly/uWYNOp via AddThis - "Jez told that story with data, showing that for-profit colleges enroll more Californians than all sectors other than community colleges (at 380,000 students, far less than the California Community Colleges’ 970,000 but more than third-place California State University at 332,000), greater proportions of black and Latino students than any other sector, and greater proportions of Pell Grant-eligible students than any sector but (surprisingly) private nonprofit colleges."


5. Business majors: College's worst slackers? by Lynn O'Shaughnessy - http://www.cbsnews.com/8301-505145_162-57326939/business-majors-colleges-worst-slackers/?tag=mncol;lst;8 - "Business majors, according to the survey, studied the least among college students. The average business student studied just 14 hours a week. In contrast, engineering students, the hardest workers on college campuses, studied 19 hours a week."


6. Let’s Get Ready Offers Help for College Admissions, by Michael Winerip: http://nyti.ms/uWw5XV - "So Nathaly found a free program that helps low-income teenagers throughout the Northeast work the system too, called Let’s Get Ready. Students are given help filling out college applications, writing essays, practicing interviews and preparing for the SAT."


7. How About Better Parents? by Thomas L. Friedman: http://nyti.ms/rpSy63 - "There’s no question that a great teacher can make a huge difference in a student’s achievement, and we need to recruit, train and reward more such teachers. But here’s what some new studies are also showing: We need better parents. Parents more focused on their children’s education can also make a huge difference in a student’s achievement."


8. PISA In Focus 10: What can parents do to help their children succeed in school? - http://www.pisa.oecd.org/dataoecd/4/1/49012097.pdf - "Students whose parents reported that they had read a book with their child “every day or almost every day” or “once or twice a week” during the first year of primary school have markedly higher scores in PISA 2009 than students whose parents reported that they had read a book with their child “never or almost never” or only “once or twice a month”.


9. Colleges' Data on Student Learning Remain Largely Inaccessible, Report Says,by Collin Eaton - http://chronicle.com/article/Colleges-Data-on-Student/129853/ - "Often, the report says, colleges and universities don't provide easily digestible information about student learning that prospective students and parents can understand and use to make their college choices. Student learning measures might consist of course grades, course evaluations, surveys, and interviews, says the report."


10. College graduation rates: Income really matters, by Tami Luhby - http://money.cnn.com/2011/11/21/news/economy/income_college/ via CNNMoney.com - "Some 54% of students from wealthy families obtained bachelor's degrees, said Martha Bailey, an assistant economics professor at the University of Michigan. But only 9% of low-income students got college diplomas."

Tuesday, November 8, 2011

362. College Access and Success News



Here are links to recent news on college access and success.
by
Joe Rottenborn
Executive Director, Mahoning Valley College Access Program (MVCAP)





1. Read The Joe Rottenborn Daily ▸ today's top stories on college access and success via @rottenbornj ▸ http://paper.li/rottenbornj


2. Curriculum Matters: What It All Means: Analysis of NAEP Results Pours In, by Erik Robelen http://blogs.edweek.org/edweek/curriculum/2011/11/more_analysis_rolling_in_on_ne.html via @educationweek - "With a fresh round of national test data released last week for reading and math, a variety of analysts have sought to weigh in. I'll highlight a few examples I've come across."


3. National Journal -- Parsing the Nation's Report Card, by Sandy Kress #2109245#2109245#2109245#2109245#2109245 http://bit.ly/rK3gfT via @AddThis

"The gains I will discuss below are significant, but they do not yet extend much to postsecondary readiness and success in completion after high school. The movement toward greater rigor and accountability in high school and postsecondary options must be accelerated and intensified."


4. College Bound: Designing Policies to Encourage Early High School Graduation, by Caralee Adams http://blogs.edweek.org/edweek/college_bound/2011/11/designing_policies_to_encourage_early_high_school_graduation.html via @educationweek - "There is a lot of money to be saved when high school students graduate early, so many states are offering incentives for high-achieving students who take this route. But as states craft policies, researchers at Jobs for the Future, a Boston-based national nonprofit, looked into the best way to encourage this education fast-track."



"Research has found that the most reliable predictor of college successis the quality and intensity of the high school curriculum(Adelman 2006)."


6. Lumina Foundation Will Provide $7-Million to Help More Latino Students Graduate,by Jennifer Gonzalezhttp://chronicle.com/article/Lumina-Foundation-Will-Provide/129674/

"The Lumina Foundation for Education is turning its attention to a segment of the population projected to be a key driver in meeting the nation's college-completion goals: Latino students. . . . The project is part of Lumina's Goal 2025 effort, which aims to increase the proportion of Americans with high-quality degrees and credentials to 60 percent by the year 2025."


7. Obama will mandate Head Start competition, by David Jackson and Richard Wolf – http://usat.ly/sxC9Ed via @USATODAY - "Nationally, there are nearly 1,600 Head Start and Early Head Start programs providing early learning services to nearly 1 million low-income children."


8. What does being "college and career ready" mean? by Valerie Strauss - http://voices.washingtonpost.com/answer-sheet/no-child-left-behind/what-is-being-college-and-care.html -“ACT defines college readiness as acquisition of the knowledge and skills a student needs to enroll and succeed in credit-bearing, first-year courses at a postsecondary institution, such as a two- or four-year college, trade school, or technical school,” she said. “Simply stated, readiness for college means not needing to take remedial courses in postsecondary education or training programs.”


9. Things to think about as students begin applying to colleges via




11. Q&A: Student loan concerns for parents - JSOnline

Monday, October 31, 2011

356. College Access and Success News



Here are links to recent news on college access and success.
by
Joe Rottenborn
Executive Director, Mahoning Valley College Access Program (MVCAP)





1. Read The Joe Rottenborn Daily ▸ today's top stories on college access and success via @rottenbornj ▸ http://paper.li/rottenbornj


2. Tips on Finding and Securing Scholarships, by Rebecca R. Ruiz: http://nyti.ms/vLFbCd - "His principal tip was volume. “The trick to winning is to apply to lots of scholarships,” he said. All students – including the “very lucky and very skilled” – will get far more rejections than they will get wins, he said."


3. Your Common Application Essay, Uncut - The New York Times: http://nyti.ms/vmfPUd - ". . . The Common Application now asks that essays be between 250 and 500 words long. That upper limit was reimposed — after four years without one — amid feedback from admissions officers that essays had grown too long. But unlike other parts of the online application, which may cut off students midword when they exceed character limits, the essays are sent to colleges in full, and aren’t even labeled with word counts. Many seniors are pondering: to cut or not to cut?"


4. Pentagon Pledges Not to Change Tuition Reimbursement Inside Higher Ed: http://bit.ly/t1ikrK via AddThis - "The Pentagon on Friday pledged not to change tuition reimbursement policies for active duty military at this time. Cuts in benefits have been expected (and the Marine Corps indicated earlier in the month that it was ready to make cuts), causing concern to many active duty military members who are enrolled in various programs."


5. Schooled in Sports: NCAA Raises Minimum GPA for Incoming Student-Athletes, by Bryan Toporek - http://blogs.edweek.org/edweek/schooled_in_sports/2011/10/ncaa_raises_minimum_gpa_for_incoming_student-athletes.html via @educationweek - "Starting in August 2015, high school student-athletes who hope to play sports in college will be held to a higher academic standard. While freshmen only need a 2.0 GPA to be eligible for competition now, the new rules require student-athletes to have a 2.3 GPA to have immediate access to competition.
If a student-athlete meets the current 2.0 GPA requirement but falls short of the 2.3 GPA required for competition, the NCAA approved a proposal that will allow him/her to still remain on his/her athletic scholarship. The NCAA is calling this an "academic redshirt" year."


6. More Students Migrate Away From Home, by Eric Hoover and Josh Keller -http://chronicle.com/article/The-Cross-Country-Recruitment/129577/ - "Public universities across the country are engaged in an all-out war for out-of-state students. Deep cuts in support are driving the search for revenue, and in many states, a stagnating pool of local applications has pushed colleges to recruit broadly. The winners, like Arizona State, bring in higher out-of-state tuition and get to skim from a larger pool of prospective students. . . . Randy Hodgins, the former chief lobbyist for the University of Washington, said he once told a joke to his counterpart at the University of California that has more than a grain of truth. "The answer to both of our budget problems is, I take your kids and you take mine, and then they're both nonresidents," Mr. Hodgins said."


7. Where Does Your Freshman Class Come From?http://chronicle.com/article/Interactive-Freshman-Class/129547#id=204796 - "Ohio State University was the 1st most popular in-state university for Ohio freshmen in 2010."


8. Bottom of the Heap - The New York Times - http://www.nytimes.com/imagepages/2011/10/29/opinion/29blow-ch.html?ref=opinion "Selected measures from the report "Social Justice in the OECD--How Do the Member States Compare?" Includes some categories of index ratings and some raw data."


9. Want to earn more money? Study STEM. by Daniel de Vise - College, Inc. - http://www.washingtonpost.com/blogs/college-inc/post/want-to-earn-more-money-study-stem/2011/10/28/gIQALikjPM_blog.html?tid=sm_btn_twitter via Washingtonpost.com - "Math-science majors can earn more than humanities majors even with a lesser degree. Carnevale believes the economy has shifted over the past 30 years to reward academic fields over educational attainment. In other words: It doesn’t matter how long you have studied; it matters what you study. . . . 63 percent of STEM workers with associate’s degrees earn more than non-STEM workers with bachelor’s degrees."


10. Know Before You Owe: Student Loans - http://www.consumerfinance.gov/students/knowbeforeyouowe/











Wednesday, August 3, 2011

296. Summer College News



Here are some links to today's stories
about college access and success.
by
Joe Rottenborn
Executive Director, Mahoning Valley College Access Program (MVCAP)




1. Read The Joe Rottenborn Daily ▸ today's top stories on college access and success via @rottenbornj ▸ http://t.co/UftEiOc


2. ROTCs return to Ivy League, by Jim Michaels - http://t.co/cHv2lFV via @USATODAY - "Since the Pentagon last year repealed "Don't ask, don't tell," that argument was nullified and anti-ROTC campuses have become more receptive to the military. The Navy has reached agreements with Yale, Harvard and Columbia to establish programs on their campuses."


3. Students, seniors may feel impact of debt deal, by Sandra Block - http://t.co/L0pf2Jb via @USATODAY - "Interest on federally subsidized student loans for graduate students will accrue while students are in school. Currently, interest on doesn't begin to accrue until they graduate. The change will take effect on July 1, 2012, says Justin Draeger, a spokesman for the National Association of Student Financial Aid Administrators.In addition, the deal will eliminate on-time repayment incentives for all federal student loans, effective July 1, 2012. Currently, federal Stafford loan borrowers who make 12 consecutive on-time payments are eligible for a rebate of 0.5% of the loan amount, which is applied to the 1% repayment fee."


4. 'Uneducated Guesses' by Scott Jaschik - Inside Higher Ed: http://bit.ly/r8WeGA - "Between 2001 and 2009, the passing rate on AP exams fell from 60.8 to 56.5 percent -- as the number of students who took an AP exam increased from 17 percent to 26 percent of the public high school population. As the critical articles noted, however, some high schools had very low pass rates, while others had very high rates."


5. 12 Things College Freshmen Should Be Doing Now, by Lynn O'Shaughnessy - http://t.co/bQJXedk via @cbsmoneywatch - "Are you heading to college for the first time later this month? If so, it’s important to start getting prepared. Here are 12 things that you should be doing now:"


6. Statistics Show More Grandparents Caring for Grandchildren, by Sarah D. Sparks - http://t.co/kCijOX9 via @educationweek - "As of 2005, the most recent data, grandparents cared for 13.8 percent of preschoolers—more than Head Start, day-care centers, and nursery schools combined. They also provided care for 12.8 percent of all school-age children ages 5 to 14. The Census Bureau found the average time children spent in their grandparents’ care also increased, from 13 hours a week in 2005 to 14 to 16 hours per week in 2006."


7. Debt Deal May Offer Only Temporary Reprieve for Student-Aid Programs, by Kelly Field - http://chronicle.com/article/Debt-Deal-May-Offer-Only/128468/ - "It also provides $17-billion over two years to shore up the Pell Grant program, which has doubled in cost over the past three years and faces a multibillion-dollar deficit.By closing most of that gap, the deal makes it easier for appropriators to maintain the maximum award at $5,550 in 2012 without slashing other programs. But the reprieve comes at a cost and is likely to be temporary. To pay for Pell Grants, the deal will end subsidies for interest on graduate students' loans while they are still in school, while eliminating the interest-rate reduction for on-time loan repayment for all borrowers."


8. Stone-Cold Sober Schools: Princeton Review List - http://www.huffingtonpost.com/2011/08/03/stone-cold-sober-schools-_n_916935.html#s321095&title=Brigham_Young_University Which area college made this list? - "Not all colleges have parties where students do keg-stands with abandon. According to the Princeton Review, the schools listed below are the most stone-cold sober in the country."


9. Schools With The Happiest Students: Princeton Review List - http://www.huffingtonpost.com/2011/08/02/happiest-students_n_915868.html#s320143&title=Rice_University - "Happiness and an academic setting don't have to be mutually exclusive, at least according to the Princeton Review. The Review surveyed more than 122,000 students nationwide on everything from party habits to study habits. See below for the schools where students maintain a rosy outlook."


10. Solving achievement gap will take innovation, Harvard professor says, by Erin Albanese MLive.com - http://t.co/sJaKfu1 - "The U.S. is failing to prepare large numbers of young people to succeed in the 21st century economy, he said. The goal is to increase learning for white children and even more quickly increase that for blacks and Hispanics who are further behind.“Nationally, it’s in our interest for all groups of students to reach their full potential,” he said."


11. The Top 10 U.S. Colleges for Financial Aid, By Sheryl Nance-Nash: http://srph.it/qufAsZ http://t.co/SAL3ycl via @AOL - "The company considered how many students received aid compared to the number of students who needed it, how much of their financial needs were met and how many students received all the aid they needed, as well as how satisfied students said they were with their awards."

Tuesday, August 2, 2011

295. Summer College News



Here are some links to today's stories

about college access and success.

by

Joe Rottenborn

Executive Director, Mahoning Valley College Access Program (MVCAP)




1. Read The Joe Rottenborn Daily ▸ today's top stories via @rottenbornj ▸ http://t.co/UftEiOc


2. Students to feel pinch in debt deal, by Jennifer Liberto - http://t.co/ebcu35s via @CNNMoney - "As part of the savings to trim the deficits, Congress would scrap a special kind of federal loan for graduate students. So-called subsidized student loans don't charge students any interest on the principal of student loans until six months after students graduated.Congress would also nix a special credit for all students who make 12 months of on-time loan payments.The changes would take place July 1, 2012.For taxpayers, the savings taken from the pockets of students will total $21.6 billion over the next ten years, according to the Congressional Budget Office."


3. Kids bound for college; what's a parent to do? by Kim Painter - http://yourlife.usatoday.com/parenting-family/teen-ya/story/2011/08/Kids-bound-for-college-whats-a-parent-to-do/49759756/1 - "Many parents know how she feels. Their child's summer between high school graduation and a college life away from home is ending — and so is a chapter in their family's story. . . . Here are a few ways for parents to help themselves and their children prepare, even in these final days:"


4. Student Lending's Failing Grade, by Christian Deritis - http://image.exct.net/lib/fefb127575640d/m/2/Student+Lendings+Failing+Grade.pdf -"Unless students limit their debt burdens, choose fields of study that are in demand, and successfully complete their degrees on time, they will find themselves in worse financial positions and unable to earn the projectedincome that justified taking out their loans in the first place."


5. Ohio U. Is Named No. 1 Party School by Princeton Review, by Molly Redden - http://chronicle.com/article/Another-Year-Another-Top/128464/ - "Like their Greek forebears, students at Ohio University in Athens know how to party—at least, that's what student surveys revealed to Princeton Review Inc. for its 2012 Best Colleges guide. This year, the Bobcats are No. 1 on the guide's list of top party schools.It's a ranking officials at most colleges deride as silly and unscientific, based, as it is, only on students' perception of how much their peers drink—a figure prone to overestimation."


6. Missouri Law: Teachers and Students Can't Be Facebook Friends, by Kayla Webley - http://t.co/TCvxSLp via @TIMENewsFeed - "With a new law, Missouri has became the first in the nation to prohibit social networking between students and teachers. When Missouri Senate Bill 54, which was signed by the governor last week, takes effect later this month, teachers and students will no longer be able to connect on any site (not just Facebook) that allows for private communication.The bill, also called the "Amy Hestir Student Protection Act," is designed to protect students from sexual misconduct by teachers. It is named for a Missouri woman who was continually molested and assaulted by her junior high school teacher."


7. Darling-Hammond: The mess we are in - The Answer Sheet, by Valerie Strauss - http://t.co/DOE1o6Q via @washingtonpost - "We are here to protest the policies that produce the increasingly segregated and underfunded schools so many of our children attend, and we are here to represent the parents, educators and community members who fight for educational opportunity for them against the odds every day."


8. Do your homework on college financial aid, by Gail Marks Jarvis - http://bit.ly/quAMIU via @STLtoday - "Often less attention goes into selecting student loans. The decision gets shunted aside or made in an instant because tuition is due. Loans have confusing names, and the financial aid office at your college might provide little guidance. Many students assume all student loans are similar — a mistake that can inflict thousands of dollars in unnecessary debt."

Monday, July 11, 2011

280. Summer College News



Here are some links to today's stories

about college access and success.

by

Joe Rottenborn

Executive Director, Mahoning Valley College Access Program (MVCAP)


1. Read The Joe Rottenborn Daily ▸ today's top stories via @rottenbornj ▸ http://t.co/UftEiOc


2. Mixed News on State Student Aid, by Doug Lederman - Inside Higher Ed: http://bit.ly/opfhDm - "State spending on financial assistance to students increased by 3.8 percent in 2009-10, even as many governments struggled with recession-driven cuts in many programs. But nearly half of all states cut back on their all-important spending on need-based financial aid, even as enrollments boomed and as many students and families struggled to keep pace with tuitions that public colleges (or their legislatures) raised sharply."


3. Despite Fiscal Woes, Spending Rose on Student Aid in Many States in 2010, by Eric Kelderman - http://chronicle.com/article/Despite-Fiscal-Woes-Many/128173/ - "Ohio cut need-based grants the most last year, with a 66-percent decrease, while Alaska and Michigan cut them by more than half. Both Hawaii and Utah slashed need-based grants by nearly a third."


4. Jobless College Graduates Struggle Under Ongoing Recession, by Amanda M. Fairbanks and Andrew Lenoir - http://www.huffingtonpost.com/2011/07/08/college-graduates-jobs-unemployment_n_893495.html - "Seventy-five job applications. Forty cover letters. Twelve interviews. Zero job offers.Since graduating from Wellesley College four years ago, Kayla Calkin, 25, has yet to get a break.In May, Calkin completed a master's degree in public policy from George Washington University. Like so many her age, she believed a graduate degree might guarantee a more stable future.Calkin now works as a full-time nanny in Washington, D.C., while continuing to scour for an eventual dream job in politics. Her two degrees make her overqualified for even the most basic, entry-level position."


5. Grants and student loans are the trend when paying for college tuitions, by Maegan Clearwood - herald-mail.com http://t.co/bVwt9tS - "According to a College Board report, the average in-state public tuition and fees increase was 7.9 percent in 2010-11. With other expenses, such as room and board, total annual charges average at $16,140."Frankly, students are not prepared at all," said Britney Carter, student financial aid counselor at Hagerstown Community College."

Wednesday, May 11, 2011

253.Unstack the Odds--GO TO COLLEGE: LINKS




Unstack the Odds: Help All Kids Access College—and Graduate!

by
Joe Rottenborn
Executive Director, Mahoning Valley College Access Program (MVCAP)
20. GO TO COLLEGE: LINKS


Here are some more links to articles of interest, drawn from the Mahoning Valley College Access Program (MVCAP) blog, with the original posting number shown.


Cost (continued):


58. Shopping for Student Loans
Before a student takes out loans to pay for college, he or she and their family should investigate available options. Specifically, they should consider the kinds of loans offered as well as interest rates and repayment obligations. To become aware of these possibilities, read the blog-post by Lynn O'Shaughnessy entitled "Find the Right Student Loan" at this link: http://moneywatch.bnet.com/saving-money/blog/college-solution/find-the-right-student-loan/371/?tag=col1;blog-river


59. How Much Should a Student Borrow for College?
A question students ask in regard to college loans is "How much should I borrow?" With the hazards of loan-debt so publicized today, this is an important question to ponder. Lynn O'Shaughnessy addresses this issue in her blog-post "College Debt: Don’t Borrow More Than $27,000" at this link:http://moneywatch.bnet.com/saving-money/blog/college-solution/college-debt-dont-borrow-more-than-27000/1521/?tag=col1;blog-river


60. How Much Should Parents Borrow for College?
Even after considering all elements a student may receive in his/her financial-aid package, they may still need more money to pay for a particular college or university. In that case, parents often consider taking out loans to assist their child. However, how much parents should borrow is often not addressed. Lynn O'Shaughnessy confronts this issue in her blog-post "College Loans: How Much Should Parents Borrow?" at this link: http://moneywatch.bnet.com/saving-money/blog/college-solution/college-loans-how-much-should-parents-borrow/1510/?tag=col1;blog-river


61. Do Many Students Take Out College Loans?
Borrowing to pay college expenses is becoming a necessity for more students. The percentage of students who have college loans is growing, as Lynn O'Shaughnessy discusses in her blog-post "The Soaring Popularity of College Student Loans" at this link: http://moneywatch.bnet.com/saving-money/blog/college-solution/the-soaring-popularity-of-college-student-loans/545/?tag=col1;blog-river


62. Discounts for College Tuition
Many private colleges and universities give students a cut in the price they must pay to attend. This practice, called "discounting," comes through the financial-aid package granted--which may amount to several thousand dollars and can enable a student to afford that school. The extent of these discounts and reasons for them are addressed by Lynn O'Shaughnessy in her blog-post "College Tuition: Schools Cutting Prices at Historic Levels" at this link:http://moneywatch.bnet.com/saving-money/blog/college-solution/college-tuition-schools-cutting-prices-at-historic-levels/1905/?tag=col1;blog-river


63. Unusual Scholarships
From time to time, you'll hear someone say this: "There are lots of scholarships out there!" Unfortunately, many of them stay out there--rather than in some student's pocket. Nonetheless, there do exist scholarships that are, in fact, awarded for unusual reasons--sometimes, unrelated to academics. Jilian Mincer wrote in The Wall Street Journal of April 16, 2010, about such scholarships in an article entitled "If You're a Tall Vegan Named Zolp, Your Tuition Worries Are Over." You can read her account at this link: http://online.wsj.com/article/SB10001424052702304198004575172073856320424.html?KEYWORDS=If+you%27re+a+tall+vegan+named+zolp


64. Who Borrows the Most?
Borrowing for college is an important issue today, as student loan-debt increases--sometimes to scary levels. To read a report by Sandy Baum and Patricia Steele for The College Board entitled "Who Borrows Most? Bachelor's Degree Recipients with High Levels of Student Debt," click this link:http://advocacy.collegeboard.org/sites/default/files/Trends-Who-Borrows-Most-Brief.pdf




69. Government or Private Loans?
Students and their parents who need to borrow to pay for college should research their options for loans--specifically, whether they are better off taking out federal student loans or private loans. More than simply interest rates and terms of repayment are involved in this consideration. To see some comparisons between government and private loans, read the post by Sandra Block on May 4, 2010, in USA Today at this link:http://www.usatoday.com/money/perfi/columnist/block/2010-05-04-yourmoney04_ST_N.htm?loc=interstitialskip


71. Still Need Money For College?
If you're still seeking money to pay for college, read Kim Clark's "11 Steps to Raise Last-Minute Cash for College," posted April 29, 2010, at the US News & World Report online site; just click this link:http://www.usnews.com/articles/education/paying-for-college/2010/04/29/11-steps-to-raise-last-minute-cash-for-college.html


73. Plan B
Sometimes, a student's college plans fall through--because of finances, an emergency in their family, or other reasons. Then, he or she needs a Plan B--to still attend college, though under different circumstances, perhaps, than they had previously envisioned. If that's your situation, you may be interested in reading the May 6, 2010, post "When college dream derails, time for Plan B," by William Hageman in the Chicago Tribune, at this link: http://www.kansascity.com/2010/05/05/1927547/when-college-dream-derails-time.html#ixzz0nGnv7O3M


78. Interest Rates Vary for Private Student Loans!
Students--and their parents--often have to borrow money to pay for college. Despite taking out all federal student loans for which they qualify, some still consider private student loans. To get the best (lowest) rates of interest on these loans, shop around! In a blog-post, dated 5/14/10, Lynn O'Shaughnessy states: "The interest rates that lenders offer on private student loans are wildly different even for borrowers with the same credit scores." To read her entire post, click this link:http://moneywatch.bnet.com/saving-money/blog/college-solution/private-student-loans-the-good-bad-and-ugly/2078/?tag=col1;blog-river


80. How to Get More Financial Aid
Perhaps the most frequent question students and parents ask about paying for college is "Do you know of any scholarships out there?" What they're really wondering is how can I get more--and pay less--to attend college. Financial aid can help. But to maximize a student's financial-aid package, some tips may be useful. Jane J. Kim wrote an article in The Wall Street Journal on May 22-23, 2010, that offers such advice; you can access it at this link:http://online.wsj.com/article/SB10001424052748703612804575222303415618316.html


81. Athletic Scholarships Can Be Revoked.
What many student-athletes and their parents often don't realize is that Division I "full-ride" scholarships can be revoked after one year. This revocation can cause students to have to "walk on"--or, if they decide to, transfer to another institution. For more information, click this link to an article by Alan Scher Zagier on The Huffington Post: http://www.huffingtonpost.com/2010/05/24/revoked-scholarships-surp_n_586854.html


If you accept federal student loans, you're obligated to repay them--whether you graduate from college or not. Consequently, you should limit the amout of loan-debt you acquire. For information on repaying your federal loans, see this article, dated May 25, 2010, by Sandra Block in USA Today, at this link: http://www.usatoday.com/money/perfi/columnist/block/2010-05-25-yourmoney25_ST_N.htm?loc=interstitialskip


84. Sticker Price vs. Net Cost of a College
Often, students and parents are scared off from applying to a particular college or university because it seems high-priced. Rather than focusing on the stated "sticker price," however, a prospective applicant needs to determine their own "net cost"--that is, what they would have to pay after all financial aid for which they are eligible has been deducted from the published cost of attendance (i.e., "sticker price"). To read Lynn O'Shaughnessy's post on this issue, click this link to her blog:http://moneywatch.bnet.com/saving-money/blog/college-solution/biggest-financial-aid-myth-i-cant-afford-this-college/2143/?tag=col1;blog-river


85. Federal Direct Loan Program
The Health Care and Education Reconciliation Act of 2010, which takes effect July 1, 2010, requires that all federal student loans be offered through direct lending rather than from private lenders. Government fees previously paid to lending banks are to be used to expand the federal Pell Grant program, raising the full grant-award to an estimated $5,975 by 2017. To read an explanatory article, dated May 26, 2010, by Caralee Adams in Education Week, click this link:http://www.edweek.org/ew/articles/2010/05/26/33college.h29.html?tkn=UXUFeF%2Bl%2BNo%2BoNZRjwa8Sz4pGgHC6QMrLm8o&cmp=clp-edweek


86. Who is to Blame for Student Loan-Debt?
When a student graduates from college with a huge loan-debt, people may ask: "Who is to blame?" You can decide responsibility after reading this case study by Ron Lieber in The New York Times of May 29, 2010, at this link:http://www.nytimes.com/2010/05/29/your-money/student-loans/29money.html?hpw


97. New Rules on Federal Student Loans
Effective July 1, 2010, new rules go into effect for those taking out federal student loans. Now, only the U.S. Dept. of Education will offer these loans. In addition, interest for subsidized Stafford loans will decrease to fixed rate of 4.5% for undergraduates. The federal Parent Loan for Undergraduate Students (PLUS) will have a fixed rate of 7.9%. For other information on these loan changes, see the article "Student Loans Get a Makeover," by Jane J. Kim in The Wall Street Journal of July 3-4, 2010, at this link: http://online.wsj.com/article/SB10001424052748704334604575338883122321008.html
98. Yearly Cost of College Per Student


The cost per year to educate a college student can be expensive. And that cost varies, depending on the type of educational institution. For example, U.S. community colleges spend almost $10,000 per year, while private research universities spend $35,000 per year; the average cost in the United States is about $19,000 per student. For these and other data, see the article "Share of College Budgets For Recreation Is Rising," by Sam Dillon in The New York Times of July 10, 2010, at this link:http://www.nytimes.com/2010/07/10/education/10education.html?ref=tuition



Tuesday, May 10, 2011

252.Unstack the Odds--GO TO COLLEGE: LINKS




Unstack the Odds: Help All Kids Access College—and Graduate!
by

Joe Rottenborn

Executive Director, Mahoning Valley College Access Program (MVCAP)


20. GO TO COLLEGE: LINKS


Here are some additional links to articles of interest; they were drawn from the Mahoning Valley College Access Program (MVCAP) blog, with the original posting number shown.


Cost:






To read Lynn O'Shaughnessy's post on how much 529 plan savings will affect your expected family contribution (EFC), derived from the Free Application for Federal Student Aid (FAFSA), click this link:http://moneywatch.bnet.com/saving-money/blog/college-solution/the-no-1-fear-of-529-plan-investors/2164/?tag=col1;blog-river


28. "College Applicants Forego 'Dream Schools' in Recession"
Here's a link to this article of interest from the Boulder (CO) Daily Camera:http://www.dailycamera.com/cu-news/ci_13604363


To read a summary of the various guides that "rank" colleges, click on the post "Which College Rankings Set Should You Use," by Danielle Wiener-Bronner on The Huffington Post of 9/14/10, at this link:http://www.huffingtonpost.com/danielle-wienerbronner/which-college-rankings-se_b_716526.html


31. "College Dropouts Cite Low Money and High Stress"
Here's an article of importance on why college students drop out from The New York Times at this link:http://thechoice.blogs.nytimes.com/2009/12/09/agenda/?src=twt&twt=NYTimesCollege



38. Financial-Aid Websites
You can click on any of these websites for resources on financial-aid for college:








4. Student Aid on the Web (Federal Student Aid)--http://studentaid.ed.gov/PORTALSWebApp/students/english/index.jsp


39. Student Loan-Debt
To read first-hand, student accounts of being in debt from college expenses, click on this series from HuffPost College:http://www.huffingtonpost.com/2010/02/22/college-debt_n_471023.html?slidenumber=1mvKlgmw4aI%3D&&&slideshow#slide_image


40. Search for Scholarships
To search for scholarships that may interest you, you can access the following website:http://www.fastweb.com/login


43. Student Loan-Debt, Part II
To read about hazards of taking on too much loan-debt for college, click on the following links:






44. Understanding Financial-Aid Award Offer Letters
To decipher the financial-aid award offer letter a student will get from any college that has accepted his/her application for admission and received that student's FAFSA data, click these links by Lynn O'Shaughnessy from her articles on thecollegesolutionblog.com:






45. Calculating the Net Price of a College
Daniel de Vise, blogging in The Washington Post at College Inc., stated the following:"All colleges will be required to post a 'net price calculator' on their web sites by fall 2011. 'Net price' is what a student actually pays to attend, after subtracting discounts and grant aid from the sticker price."In addition, de Vise quoted Jeff Whorley, President of StudentAid.com, as follows: "Net price is sticker price minus merit and need-based grants. Up-front, out-of-pocket cost is the net price minus work-study and government loans."Calculate the net price of a college you are interested in and determine your "up-front, out-of-pocket cost" to make certain you can afford to attend.To read a report, released by The College Board in mid-September of 2010, on "discounting" (i.e., reducing tuition/fees through merit scholarships) by both private and public colleges, click on this link:http://www.insidehighered.com/news/2010/09/15/discounting


47. Verification
If your Free Application for Federal Student Aid (FAFSA) has been selected for verification, read the post by Doug Schantz of CheapScholar.org at this link:http://cheapscholar.org/2010/03/30/help-i-have-been-selected-for-financial-aid-verification/


49. "Can We Afford This College?"
In the April 2010 Money, Penelope Wang writes an article entitled "Can We Afford This College?" After students are accepted to a college, have filed their Free Application for Federal Student Aid (FAFSA), and receive their financial-aid award offer letter, they and their parent(s) need to ask this same question. Ask it before the May 1 deadline to indicate to the college they will enroll; don't wait until the first bill arrives in August. If you can't make ends meet without taking on significant loan-debt, now's the time to consider other college possibilities.Writer Lynn O'Shaughnessy advises students and parent to get a "financial aid pre-read" early in the college-search process. You can see her column "What's This College Really Going To Cost," posted online on 9/9/10, at this link:http://moneywatch.bnet.com/saving-money/blog/college-solution/whats-this-college-really-going-to-cost/3007/?tag=col1;blog-river


50. Ask for a Reconsideration
If you can not afford to attend the college of your choice and hope more financial aid might enable you to enroll, you can ask your financial-aid officer to "reconsider" your financial-aid award. You may be asked to present financial-aid award offer letters from comparable colleges, complete a form on any "special circumstances" important to consider, or provide other information--but take a chance! Be polite, speak for yourself (rather than having a parent make the contact), and avoid using the term "negotiate." Stress that the college is your first choice and you'd like to attend, but your financial-aid award won't let you do that; therefore, can it be "reconsidered"? For suggestions on how to do this, read the blog posting by Lynn O'Shaughnessy at this link: http://thecollegesolutionblog.com/2010/03/21/student-aid-5-ways-to-negotiate-for-more-financial-aid/


Also, check out the post, "Fight for Financial Aid the Smart Way," by Peter McDougall at this link: http://ow.ly/1vhOM


Finally, Sandra J. Oliveira--Executive Director, Office of Financial Aid at Providence College--offers advice on appealing your finanical-aid award at this link from The New York Times:http://thechoice.blogs.nytimes.com/2010/04/29/aid-2/#more-19867


52. Tuition at Public Flagship Universities in the U.S.
To see tuitions during 2009-2010 at public flagship universities in the U.S., click the following link to a database in USA TODAY: http://www.usatoday.com/news/education/2009-10-20-college-costs_N.htm


To see the annual revenue and number of students enrolled by some of the largest for-profit companies/universities, click this link to an article in The Wall Street Journal, dated August 30, 2010:http://online.wsj.com/article/SB10001424052748703418004575455773289209384.html?mod=WSJ_article_related


To read the article by Stephanie Chen, "For-profit college risk: Huge debt, questionable degree," posted on 9/2/10, at CNN online, click this link:http://www.cnn.com/2010/LIVING/09/02/for.profit.college.debt/index.html?hpt=C2


54. College Scholarships
Many students--and their parents--want to know how to get a college scholarship. The simple answer is "Be an attractive candidate for one"--that is, have a high grade-point average (GPA) in a rigorous course of study, earn a top class-rank, and score well on the ACT or SAT. In other words, be the type of student any college would love to have enroll--and might offer a scholarship to facilitate that. But there are other ways as well. For some ideas, check out the following links to these blog-posts by Lynn O'Shaughnessy:








55. How Do Elite Schools Determine Prices?
For one opinion on why elite colleges and universities are expensive, see the opinion piece by Andrew Manshel, "Why Top Colleges Squeeze You Dry," in The Wall Street Journal on April 9, 2010, at this link: http://online.wsj.com/article/SB10001424052702304017404575165730979629178.html?KEYWORDS=andrew+manshel


57. College Loans
Today, many students--and their parents--will likely consider loans to pay for college. Indeed, some may come to regard a loan as the "four-letter word" of financial aid! To learn more about borrowing for college, Lynn O'Shaughnessy has compiled several of her blog-posts on loans, "Best College Loan Advice: 9 Tips for Borrowing for College," at this link: http://moneywatch.bnet.com/saving-money/blog/college-solution/best-college-loan-advice-9-tips-for-borrowing-for-college/1864/?tag=col1;blog-river


Thursday, May 5, 2011

249.Unstack the Odds-GO TO COLLEGE:STEPS 12-13



Unstack the Odds: Help All Kids Access College—and Graduate!

by
Joe Rottenborn
Executive Director, Mahoning Valley College Access Program (MVCAP)


18. GO TO COLLEGE: STEPS 12-13


12) Interpret the Student Aid Report (SAR), received after submitting the FAFSA, to determine EFC and financial need.


13) Interpret and compare Financial-Aid Award Offer letters from colleges to figure the “bottom line” (i.e., out-of-pocket expenses), monthly payments, and loan-debt.


109. To decipher your financial-aid award offer letters, read Part I of Lynn O'Shaughnessy's article at this link: http://mvcap.blogspot.com/2010/03/44-understanding-financial-aid-award.html


110. To analyze your financial-aid award offer letters, read Part II: http://mvcap.blogspot.com/2010/03/44-understanding-financial-aid-award.html

111. Now, calculate the "net price" of the college(s) you'd like to attend: http://mvcap.blogspot.com/2010/03/45-calculating-net-price-of-college.html


112. Next, figure the up-front, out-of-pocket cost of your college(s): http://mvcap.blogspot.com/2010/03/45-calculating-net-price-of-college.html


113. An important question to ask, according to Penelope Wang in her article from the April 2010 Money magazine, is "Can we afford this college?"


114. Still seeking money for college? Read Lynn O'Shaughnessy's "4 Ways to Win A Scholarship": http://mvcap.blogspot.com/2010/04/54-college-scholarships.html


115. Still need money for college? See Lynn O'Shaughnessy's "The Best Places to Find College Cash": http://mvcap.blogspot.com/2010/04/54-college-scholarships.html


116. Got money for college? See Lynn O'Shaughnessy's "The Myth About College Scholarships": http://mvcap.blogspot.com/2010/04/54-college-scholarships.html


117. Private colleges or universities can discount tuition for students; click this link: http://mvcap.blogspot.com/2010/04/62-discounts-for-college-tuition.html


118. If you're still seeking money for college, see some unusual scholarships: http://mvcap.blogspot.com/2010/04/63-unusual-scholarships.html


119. Do Many Students Take Out College Loans? Link to our MVCAP blog: http://mvcap.blogspot.com/2010/04/61-do-many-students-take-out-college.html


120. Shop around for college loans; check out the article on our MVCAP blog: http://mvcap.blogspot.com/2010/04/58-shopping-for-student-loans.html


121. How much should you take out in college loans? Read our blog: http://mvcap.blogspot.com/2010/04/59-how-much-should-student-borrow-for.html


122. How much should parents take out in college loans? See this link: http://mvcap.blogspot.com/2010/04/60-how-much-should-parents-borrow-for.html


123. For a compilation of links about college loans, refer to this posting on our blog: http://mvcap.blogspot.com/2010/04/57-college-loans.html


124. To review the statistics on student borrowing for college, click this posting on our blog: http://mvcap.blogspot.com/2010/04/64-who-borrows-most.html


125. To read Lynn O'Shaughnessy's "12 Facts About Student Loan Borrowers," click this link to our blog: http://mvcap.blogspot.com/2010/04/64-who-borrows-most.html


126. May 1 is the deadline to let a college or university know if you plan to enroll there; be sure to meet that deadline: act today, if you haven't already!


127. You go to college to graduate; for graduation rates of Ohio colleges & universities, click: http://mvcap.blogspot.com/2010/04/65-graduation-rates-in-ohio.html


128. Who graduates in 4 years? See a study of MVCAP advisees on our blog: http://mvcap.blogspot.com/2010/04/68-who-graduates-in-four-years.html


129. Need to borrow money to pay for college? Learn the differences between federal and private loans at http://mvcap.blogspot.com/2010/05/69-government-or-private-loans.html


130. Still looking for a college? See U.S. schools with space available for fall: http://mvcap.blogspot.com/2010/05/70-space-availability-survey-2010.html


131. Still short of money to pay for college? See this link on our blog: http://mvcap.blogspot.com/2010/05/71-still-need-money-for-college.html


132. If your 1st-choice college plan doesn't work out, have a Plan B; hit this link to our blog: http://mvcap.blogspot.com/2010/05/73-plan-b.html

Wednesday, March 30, 2011

223.Unstack the Odds--Cost, Part 5


Unstack the Odds: Help All Kids Access College—and Graduate!

by

Joe Rottenborn

Executive Director, Mahoning Valley College Access Program (MVCAP)

11. Cost, Part 5


“Self help” refers to the kind of financial aid people love to hate--because a student or parent often has to pay it back! We may not like it, but colleges expect both students and parents to "help themselves" pay for their higher education--hence, the term "self-help." The most common variety consists of a loan—for many, the four-letter word in college financial aid! Loans, of course, must be repaid (with interest), which results in students' loan-debt.


Today, many students--and their parents--will likely consider loans to pay for higher education. To learn more about borrowing for college, Lynn O'Shaughnessy has compiled several of her blog-posts on loans, "Best College Loan Advice: 9 Tips for Borrowing for College," at this link: http://moneywatch.bnet.com/saving-money/blog/college-solution/best-college-loan-advice-9-tips-for-borrowing-for-college/1864/?tag=col1;blog-river


Before a student takes out loans to pay for college, he or she and their family should investigate available options (i.e., “shop” for student loans.) Specifically, they need to consider the kinds of loans offered as well as interest rates and repayment obligations. To become aware of these possibilities, read the blog-post by Lynn O'Shaughnessy, entitled "Find the Right Student Loan," at this link: http://moneywatch.bnet.com/saving-money/blog/college-solution/find-the-right-student-loan/371/?tag=col1;blog-river


Students and their parents who need to borrow to pay for college who research their options for loans often wonder whether they are better off taking out federal student loans or private loans. More than simply interest rates and terms of repayment are involved in this consideration. To see some comparisons between government and private loans, read the post by Sandra Block on May 4, 2010, in USA Today at this link: http://www.usatoday.com/money/perfi/columnist/block/2010-05-04-yourmoney04_ST_N.htm?loc=interstitialskip


Both students--and their parents--often have to borrow money to pay for college. Despite taking out all federal student loans for which they qualify, some still consider private student loans. To get the best (lowest) rates of interest on these loans, shop around! In her blog-post from May 14, 2010, Lynn O'Shaughnessy states: "The interest rates that lenders offer on private student loans are wildly different even for borrowers with the same credit scores." To read her entire post, click this link: http://moneywatch.bnet.com/saving-money/blog/college-solution/private-student-loans-the-good-bad-and-ugly/2078/?tag=col1;blog-river


An important question students need to ask in regard to college loans is "How much should I borrow?" With the hazards of loan-debt so well-publicized today, this is an important question to ponder. Lynn O'Shaughnessy addresses this issue in her blog-post "College Debt: Don’t Borrow More Than $27,000" at this link: http://moneywatch.bnet.com/saving-money/blog/college-solution/college-debt-dont-borrow-more-than-27000/1521/?tag=col1;blog-river


Even after considering all elements a student may receive in his/her financial-aid package, they may still need more money to pay for a particular college or university. In that case, parents often consider taking out loans to assist their child. However, how much parents should borrow is often not addressed. Lynn O'Shaughnessy confronts this issue in her blog-post "College Loans: How Much Should Parents Borrow?" at this link: http://moneywatch.bnet.com/saving-money/blog/college-solution/college-loans-how-much-should-parents-borrow/1510/?tag=col1;blog-river


Borrowing to pay college expenses is becoming a necessity for more students. The percentage of students who have college loans is growing, as Lynn O'Shaughnessy discusses in her blog-post "The Soaring Popularity of College Student Loans" at this link: http://moneywatch.bnet.com/saving-money/blog/college-solution/the-soaring-popularity-of-college-student-loans/545/?tag=col1;blog-river


Borrowing for college is an important issue today, as student loan-debt increases--sometimes to scary levels. To read a report by Sandy Baum and Patricia Steele for The College Board entitled "Who Borrows Most? Bachelor's Degree Recipients with High Levels of Student Debt," click this link:http://advocacy.collegeboard.org/sites/default/files/Trends-Who-Borrows-Most-Brief.pdf




Despite all the information available, mounting loan debt of college students is a financial crisis affecting many college students today. Indeed, according to a post in The New York Times, average student debt for college graduates is over $23,000—and rising. According to that article by Jacques Steinberg, “Students who graduated from college in 2008 with loans carried an average debt of $23,200 — an increase of nearly 25 percent, or $4,550, when compared with those who graduated just four years earlier. These figures appear in the latest study by the Project on Student Debt, an initiative of the Institute for College Access and Success, a nonprofit organization.” (Jacques Steinberg, "Average Debt for Graduating College Seniors Rises to $23,200," The New York Times--The Choice: Demystifying College Admissions and Aid, December 2, 2009.) http://thechoice.blogs.nytimes.com/2009/12/02/debt/?src=twt&twt=NYTimesCollege


To read first-hand, student accounts of being in debt from college expenses, click on this series from HuffPost College: http://www.huffingtonpost.com/2010/02/22/college-debt_n_471023.html?slidenumber=1mvKlgmw4aI%3D&&&slideshow#slide_image


To read additional articles about the hazards of taking on too much loan-debt for college, click on the following links:


Monday, January 3, 2011

161. MVCAP fyi

See free MVCAP e-books on college admissions and financial aid for sharing, printing, and downloading at our online resource library: http://issuu.com/mvcap

1. Congress Targets Spending, by Patrick O'Connor and Janet Hook - http://on.wsj.com/eOVkTc - WSJ.com

"Republicans aren't proposing an across-the-board cut on the government, so some departments could see deeper cuts than others. The top targets could be programs whose budgets saw a jump under Democrats, like foreign aid and Pell Grants for middle-income college students."

2. Study less, earn more--at least in the beginning, by Michael Vasquez - http://t.co/Q2ciV5a via @miamiherald

"What the numbers say: Bachelor's degree recipients from the state's 11 public universities earned an average starting salary of $36,552 in 2009. Meanwhile, those who received associate in science degrees from Florida community colleges earned an average of $47,708 -- a difference of $11,000 more per year."

3. Cuomo Names Developers of a Student Loan Center, by Kareem Fahim - http://www.nytimes.com/2011/01/01/nyregion/01student.html?_r=1

"Mr. Cuomo said Friday that $13 million in settlements paid by dozens of colleges and lenders in the case would be used to finance a national student loan center, to help young borrowers and their parents navigate the complexities of the college lending process."

4. Winter break is high season for dropouts, by Alan Tripp - http://voices.washingtonpost.com/college-inc/2010/12/winter_break_is_high_season_fo.html

"Their reasons are many. Students are naturally likely to reassess their college choices and careers at the end of their first semester. Also, and not surprisingly, our coaches have found that freshmen at traditional colleges returning home for their first extended break can have heightened feelings of homesickness. Other students have second thoughts after underestimating the rigors of college and how to balance those with everyday life.
Whatever the reason, these students will join the 800,000 each year who begin a bachelor's program yet never graduate. When 40 percent of our college students fail to graduate, there's a crisis -- one that impacts their lives, the lives of those around them and a country quickly falling behind."

5. Delaying College to Fill in the Gaps, by Sue Shellenbarger - http://on.wsj.com/hVPfkp - WSJ.com

"Gap-year activities range from doing volunteer work or taking classes, to working for pay, traveling or tackling outdoor adventures."

6. For-Profit Colleges Charging More While Doing Less for Poorest, by John Lauerman - Bloomberg http://t.co/DNSz190 via @BloombergNow

"The industry, including Washington Post Co.’s Kaplan University, has tripled enrollment to 1.8 million in the past decade by pouring billions of dollars into marketing and recruiting, offering flexible online classes and outfitting more-modern campuses while states slash funding for
for community colleges. As much as 90 percent of revenue at each for-profit college comes from federal student aid.
Today, one in seven minority students attends a for-profit college, as does one in four poor students who receive federal Pell grants for low-income families, according to the U.S. Department of Education and an industry group."

7. College grade inflation feared as GPAs gradually rise, by Diane Smith http://t.co/RzpAudV

"Rojstaczer, who has been tracking GPAs for years, lists his finding on gradeinflation.com--a website with links to GPA data. His findings were also presented in a research paper that was published in March. Rojstaczer said the average GPA nationwide at all schools has gone from 2.93 during the 1991-92 academic year to 3.11 in 2006-07."

8. Universities Are Challenged as Demographics Shift, by Reeve Hamilton and Jon Marcus - http://nyti.ms/hganF7

"Although the changing demographics of college campuses may be grabbing the headlines, the more compelling issue is how the growing number of minority students presents serious social and academic challenges for financially strapped universities, even as the schools are under pressure to boost graduation rates.
Nationally, 52 percent of Hispanic students and 58 percent of black students are unable to earn a bachelor’s degree in six years, compared with 40 percent of white students, according to the National Center for Education Statistics."

9. Study: TRIO Programs May Ease College Racial Gaps, But Parent Support Still Needed, by Sarah D. Sparks - http://t.co/C2JjW5o

"In fact, adolescent interventions brought the college-going rates of low-income Hispanic and black students up to the level of middle-income white students. "Upward Bound and Talent Search are examples of adolescent intervention programs that can benefit African-American and Hispanic students immensely when properly implemented," Ms. Walsh concludes.
The downside? The programs still do not make up for family support and resources in the college-planning process, a critical intent of the programs."


"With 529 plans fluctuating, financial-aid budgets getting slashed and tuition rising at an alarming rate, the landscape of college financing is changing fast. Fortunately, you still have options. Here are the best college finance tips for 2011."

11. High School Counselors Lack Training in College Admissions, by Caralee Adams - http://t.co/2T3hZA5

"High school counselors, particularly those in poorer urban and rural districts, often don't have the training needed to help students navigate the college admission system. And this can hinder access to higher education for first-generation, minority students, says Patrick O'Connor, past president of the National Association for College Admission Counseling in an recent op-ed essay that appeared in Diverse: Issues in Higher Education.
While 466 colleges offer training for school counselors, fewer than 45 of these programs offer a course showing future counselors how to help students and families select, apply, and pay for college, writes O'Connor."

12. Applying Early Decision: 6 Things to Do When You're Deferred, by Lynn O'Shaughnessy - http://t.co/VfRBYzp

"A dear friend of mine’s son recently learned that the University of Chicago had deferred his application and he was devastated. Here, however, are six things that you can do to boost your chances of still getting into your dream school:"



Thursday, December 9, 2010

149. MVCAP fyi

See free MVCAP e-books on college admissions and financial aid for sharing, printing, and downloading at our online resource library: http://issuu.com/mvcap

1. Viewing College as a Joyful Celebration, as yet Unaffordable, by By Uyanga Tamir - http://nyti.ms/igo61v

‎"Financial aid has become the most important aspect of a college; if I cannot afford the tuition, I simply cannot go. Moreover, there is one thing that further complicates my already too stressful senior year: I am an international applicant."

2. Will an Admissions Rejection be a Rejection of Me as a Person? by Michael Campbell - http://nyti.ms/eCR0Mv

‎"First, my fears: I’m afraid of rejection. Not just the thin-envelope “I didn’t get into Harvard!” type of rejection, but the struggle to disassociate an admissions rejection from the rejection of me as a person."

3. If College Search Is Like Prison, Stanford Could Hold The Key, by Kori C. Hazel - http://thechoice.blogs.nytimes.com/2010/12/08/cherry-creek-kori-hazel-1/

“College lockdown” involves camping out on a computer typing multitudes of essays and filling out a plethora of applications with the constant need of stress management and a grande hot chocolate, all of which occurs a week or two before a college deadline."

4. When Acceptance to College Hinges on An Audition, by Avery Diubaldo - http://thechoice.blogs.nytimes.com/2010/12/08/cherry-creek-avery-diubaldo-1/

"The college application process for theatrical majors is a unique one. While most students seeking a higher education need to do no more than complete an array of standardized exams, college applications and transcript forms, the prospective theater major has one more obstacle: the audition."

5. Facebook Freshmen Welcome Groups Altered to Look Less Official, by Jacques Steinberg - http://nyti.ms/eaK40l

"More than 150 Facebook groups that appeared to be official welcome sites for the prospective freshman classes at colleges and universities were altered Wednesday, to make clear that they exist partly as a marketing tool for a commercial, roommate-matching service known as Roomsurf."


"There are three basic types of loans undergraduate students should know about: federal loans made by the government directly; federal loans made by banks or other lenders and guaranteed by the government; and private or alternative loans from banks or other private lenders that carry no government guarantee. (Sometimes a college itself may make loans, too, usually in partnership with a financial institution.)"

7. Setting State Targets, by David Moltz - Inside Higher Ed: http://bit.ly/hDTbIM

"Spurred by President Obama’s rhetoric and the work of a few influential foundations, many states have echoed the national call for more community college graduates by setting their own completion goals in recent months. And though some say these statewide goals are evidence of a larger shift in community college mission from access to completion, others see them as a preemptive attempt to demonstrate the kind of accountability that the federal and state governments may impose. Some question whether these newly set goals are even realistic amid dwindling funding for higher education."

8. For-Profit Colleges Draw Big Revenue From Veterans, by Eric Lipton - http://www.nytimes.com/2010/12/09/education/09colleges.html?_r=2&hp

"More than 36 percent of the tuition payments made in the first year of the program — a total of $640 million in tuition and fees — went to for-profit colleges, like the University of Phoenix, according to data compiled by the Department of Veterans Affairs, even though these colleges serve only about 9 percent of the overall population at higher education institutions nationwide."

9. Why Final Exams Are Going to the Dogs, by Lynn O'Shaughnessy - http://t.co/dRCKFcf

"My favorite de-stresser activity just might be at Oberlin College. Twice a night at the library during final exams, students get to dance for five minutes as a song — chosen by students in an online poll — is blasted from speakers. Sounds like fun to me."

10. Elementary Students Encouraged to Set College Goals, by Caralee J. Adams - http://t.co/PG8wmck via @educationweek

"In the push to boost college-completion rates, high schools have often been the focus of college-readiness efforts, but now the reach is going even deeper into middle and elementary schools. Some educators feel it’s too late in high school to start introducing the concepts of college, high expectations, and academic achievement."

11. Safety schools matter in college admissions, by Valerie Strauss - http://voices.washingtonpost.com/answer-sheet/college-admissions/safety-schools-matter-in-colle.html

"Unfortunately, these are the very colleges that students should be paying extra attention to. After all, if things don’t work out with their top choices, isn’t it important to attend a college that has just about everything they want and need?"

12. U.S. Revises Report on Recruiting at For-Profit Colleges, by Tamar Lewin - http://www.nytimes.com/2010/12/09/education/09gao.html?hpw

“After the review of the tapes, we chose to issue the revised report to add more precise language and to clarify some aspects of the report,” said Chuck Young, a spokesman for the G.A.O. “But ultimately nothing has changed with the overall message of the report, and nothing has changed
with any of our findings.”

13. Parents Embrace A Documentary on Pressures of School, by Trip Gabriel- http://www.nytimes.com/2010/12/09/education/09nowhere.html?pagewanted=1&hpw

"The film portrays the pressures when schools pile on hours of homework and coaches turn sports into year-round obligations. Left somewhat unexamined is the role of parents whose high expectations contribute the most pressure of all. “Everyone expects us to be superheroes,” one high school senior in the film says."

14. Colleges Urged to Play Greater Role in Regional Development Efforts, by Karin Fischer http://chronicle.com/article/Colleges-Are-Urged-to-Play-a/125657/

"Participants in the two-day conference, "Providing a Uniquely American Solution to Global Innovation Challenges: Unleashing Universities in Regions," delved into the various ways colleges can help build stronger local economies, including acting as conveners for conversations about regional development, aligning their curricula with local elementary and secondary schools, and producing and retaining well-educated workers."

15. Dropout rate for California black students hits 37%, by Jill Tucker - http://t.co/73iPZR6

‎"The 37 percent African American dropout rate, up three percentage points from the prior year, was far above that of any other ethnic subgroup. Hispanic students had the second highest rate at 27 percent."

16. Poor white boys 'more likely to struggle at primary school,' by Graeme Paton - Telegraph - http://t.co/ql2nr7x

"White British boys from the most deprived families perform worse at the age of 11 than any other group, it was disclosed. They are around 50 per cent less likely to start secondary education with an acceptable standard of the three-Rs than other pupils. Poor children from black African, black Caribbean, Chinese, Indian, Bangladeshi and Pakistani families all performed better than their white British classmates, figures show."