Road2College - SmartFeed https://www.road2college.com/ Bringing transparency to college admissions and merit scholarships Sun, 26 Mar 2023 21:59:31 +0000 Road2College 15 https://www.road2college.com/wp-content/uploads/2022/03/r2c-logo.png hourly 1 https://wordpress.org/?v=6.1.1 https://www.road2college.com/wp-content/uploads/2022/05/cropped-favicon-32x32.jpeg Road2College https://www.road2college.com/ 32 32 Paying for College with Credit Cards: What You Should Know https://www.road2college.com/paying-for-college-with-credit-cards-what-you-should-know/ Thu, 16 Mar 2023 03:28:15 +0000 Linsey Knerl https://www.road2college.com/?p=42731

When the tuition bill comes due, your college will offer your student a few options. If there’s a balance after loans, grants, and scholarships, you may be tempted to pay with a credit card. 

Here’s what parents in our Paying for College 101 Facebook group had to say about using “plastic” to foot the bill. 

Find out if the College Has Credit Card Processing Fees

Parents were quick to point out that many schools pass along the cost of any fees they pay to accept credit cards. This fee varies, depending on the card processing technology they use, but typically ranges from 2-5% of the total amount charged to your card. Other schools may charge a flat fee for the privilege of using a card.

Credit card fee information can usually be located on the website, under student accounts and financial services. If it’s not prominently displayed, however, it doesn’t mean the college won’t charge a credit card processing fee.

“My daughter’s school charges $100 a semester to use the credit card, but I use my Delta SkyMiles card and haven’t paid for a flight in three years, and I travel a decent amount,” said Chari H.

Esmeralda T. shared her story. “I was ready to click submit payment, and I saw the credit card fee they slammed on top, a little over $500 just for paying with a credit card. No, thank you! I paid with my checking account instead. Read the fine print.”

Get Creative with Credit Card Rewards

If the school doesn’t charge a credit card fee, you may be in luck. Parents have come up with many ways to make credit card reward points, cashback offers, and new card promotional perks add up to big savings.

Parent Sabrina Malone said, “My oldest son’s college accepted credit cards, and they didn’t charge an extra fee either. We accumulated rewards points on a 0% interest card, then converted the points to Barnes & Noble gift cards. He used those to pay for three semesters of books! And we used them to buy Christmas gifts. It was definitely cool to have “free” textbooks and Christmas gifts.”

Kathleen P. said, “I ‘park’ the money on my Caesars Rewards card and then pay it off a week later. Then, I get free rooms in Atlantic City.”

“We did that with my daughter’s school,” said Valerie V. “For $40 only, they broke up a semester’s bill into four payments, and we paid it off each month. This gave us free airfare and paid for a good chunk of our Disney vacation we just took last month. Make sure you find out all the details, but if you can cash flow the payments, I would say go for it!”

Ask Yourself: Is It Worth the Cost?

Even if your school charges a fee, it may still be worth it to go the credit card route.

Kristy M. said, “The key to using a credit card is to pay it off every month. So really, you are just filtering dollars through. You’d have to see if the school’s service charge is worth what you’d get in credit card points.”

In some cases, the fee may be negotiable with the card company.

“My son is at Texas Tech, and they charge a 2.65% processing fee for using a credit card to pay tuition. His fall semester of freshman year, we were able to sweet talk our Amex Platinum into crediting us back the fee, but it didn’t work in the spring,” said Erum A.

Audra G. said, “I have done it. The under 3% fee is less than the cost of a flight, and the points you can earn are worth it depending on the card. I use the JetBlue card…If I pay a $100 fee but then can get a free flight home on a holiday, it’s worth it to me! I use the card for the school’s payment plan. Only charge what you can afford to pay in full you definitely don’t want to pay interest too. This is a cash flow option.”

Another parent uses the promo offer and convenience checks to get around the school’s 4% credit card processing fee. “I have a credit card with 0% interest for 12 months, so I will write a convenience check to myself and then pay the school. Yeah, no points there, but also no interest and no service fee!”

Other parents feel there are better ways to earn credit card rewards.

Stacey L said, “Most points are worth about $.01, so if you pay $15k on a card and get 15k points, it is worth $150 in travel (and flights are way more expensive.) A 2.85% fee would cost $427. You can earn most sign-on bonuses by just charging normal expenses and paying those off monthly, and flights are usually worth more points. So, if your kid is flying, definitely get a good travel card.”

The Bottom Line on Paying for College with Credit Cards

As with most college decisions, there’s no one-size-fits-all answer for whether you should use a credit card to pay for school. Since credit cards are debt and can come with a very high interest rate, this option may only make sense if you can:

  •         Avoid a processing fee by the college
  •         Pay no interest
  •         Get valuable perks, cashback offers, or airline miles, and
  •         Can pay the card off, in full, right away

Those using the credit card to cash flow college costs will get the most benefit. If there’s a chance you can’t pay the full cost of the credit card bill each month, you may end up paying expensive interest and fees. With many private loans at lower rates than credit cards, putting your college bill on plastic may not be the best option. 

Use College Insights to help find merit aid and schools that fit the criteria most important to your student. You’ll not only save precious time, but your student will avoid the heartache of applying to schools they aren’t likely to get into or can’t afford to attend.  

Other Articles You Might Like: 

Going to College Abroad? What You Need to Know

5 Things to Compare When Choosing a College (Besides Price)

Money-Saving Tips After You’ve Dealt with Tuition

JOIN ONE OF OUR FACEBOOK GROUPS & CONNECT WITH OTHER PARENTS: 

PAYING FOR COLLEGE 101

HOW TO FIND MERIT SCHOLARSHIPS

What to Know About the NESCAC Schools and Little Ivies https://www.road2college.com/nescac_schools_vs_little_ivies/ Wed, 05 Aug 2020 16:49:50 +0000 Matthew Schwartz https://r2closangeles617a5e4a7f0fd.cloud.bunnyroute.com/?p=20284

There are plenty of acronyms and terms to remember as you forge ahead on the road to college admissions. But if your student is interested in schools in New England, NESCAC (New England Small College Athletic Conference) and Little Ivies (a group of smaller, Northeastern private liberal arts colleges) are terms you might want to become familiar with. 

What Is the NESCAC?

The NESCAC, or New England Small College Athletic Conference, is an athletic conference comprised of highly selective liberal art institutions from the Northeastern region of the United States. They compete in Division III athletics and have some of the largest financial endowments of any colleges in the world totaling nearly $13 billion dollars combined.

In total there are 11 different schools that compete in the NESCAC:

  • Amherst College
  • Bates College
  • Bowdoin College
  • Colby College
  • Connecticut College
  • Hamilton College
  • Middlebury College
  • Trinity College
  • Tufts University
  • Wesleyan University
  • Williams College

Though all of the schools, with the exception of  Connecticut College, were established before the 20th century, the NESCAC itself wasn’t founded until 1971 when Bates, Colby, Union College, Hamilton, Middlebury, Trinity, Tufts joined a smaller conference that had previously been created by the long-lasting rivalries between Amherst, Bowdoin, Wesleyan, and Williams. In 1977, Union College left the conference and wouldn’t be replaced by Connecticut College until 1982.

What Are the Little Ivies Schools?

The Little Ivies, unlike the NESCAC, is not an official term taken by any schools. Instead, it’s an unofficial group of small liberal art schools located in the Northeastern United States. 

All 11 of the schools in the NESCAC are also included in the Little Ivies, along with 7 more:

  • Bucknell University
  • Colgate University
  • Haverford College
  • Lafayette College
  • Swarthmore College
  • Union College
  • Vassar College

What Makes Them Little Ivies?

The name Little Ivies draws from each of the school’s high academic excellence as well as their small student body population.

Only one school, Tufts, has an undergraduate population over 5,000 students. Their small student body allows them to focus on academics and has also led to many of the schools — such as Williams, Bates, Colby, and Bowdoin — to disband their fraternity and sorority systems. 

Unlike Ivy schools, which are connected through their participation in the Ivy League, the Little Ivies come from all different sports leagues and share no official affiliation with each other.

Just as there’s the “Big Three” Ivy League schools — Harvard, Princeton, and Yale — the Little Ivies have the “Little Three,” which are Amherst College, Wesleyan University, and Williams College. There’s also the “Maine Big Three,” used by Colby College, Bates College, and Bowdoin College.

What Differs Between NESCAC and the Ivy League?

The most prominent difference is that NESCAC schools compete in Division III athletics, while the Ivy League competes in Division I.

The NESCAC’s connection to Division III is purposeful, as the schools believe academics should take precedent over students attending only for athletic purposes.

Adhering to the rules of NCAA Division III prevents any of the NESCAC schools from giving out athletic scholarships and must solely grant their financial aid on the basis of need.

Additionally, Division III only permits students to play sports during that sport’s specific season. For students who excel both academically and athletically, NESCAC schools may be particularly appealing as they allow students to participate in multiple sports and still earn an outstanding education.

Like all Little Ivies, NESCAC schools’ smaller populations can lead to consistently closer relationships among the faculty. A smaller school and tighter-knit community is a perfect way to make sure every student is doing their job and not falling behind.

Use Road2College’s College Insights Tool to find stats on various NESCAC schools and Little Ivies and help build your student’s college list.  

Why Do Little Ivies and NESCAC Schools Matter?

NESCAC schools and the Little Ivies provide students a better chance of receiving a degree from a highly regarded institution compared to trying to get accepted to an Ivy League. They all have acceptance rates nearly double those of the top Ivies, but still present students with rigorous academics and opportunities to succeed after college.

Other Articles You Might Like:

Paying for College with Credit Cards: What You Should Know

Choosing a College: Henry’s Story

Ivy League Schools Vs. Public Ivies

CONNECT WITH OTHER PARENTS TRYING TO FIGURE OUT HOW TO PAY FOR COLLEGE

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PAYING FOR COLLEGE 101

HOW TO FIND MERIT SCHOLARSHIPS

Teen Jobs May Come With a Bonus: Scholarships https://www.road2college.com/teen-jobs-may-come-with-a-bonus-scholarships/ Tue, 14 Mar 2023 11:22:02 +0000 Jacqueline Palochko https://www.road2college.com/?p=42707

This story was originally published in our Paying for College 101 (PFC 101) group. It has been edited for clarity and flow. 

“Definitely check around to see if your kid has any local opportunities like this. Good luck!” – Julia R. 

Getting a part-time job is a rite of passage for many high school students. It turns out some part-time jobs can provide more than extra cash–they can also provide scholarships. 

A Job That Pays in More Ways Than One

PFC 101 member Julia R. wanted to let other parents know that her son received a $3,500 employee scholarship from the local business where he’s been working for the past four years. 

Julia’s son started as a dishwasher when he was 15 years old and was eventually promoted to a pantry chef. Now in college, if he works during his summer and winter breaks, he can receive up to $20,000 in scholarships. 

Teen Jobs That Pay for College 

After Julia posted about her son, parents in our group said they were excited to learn about the possibility of their students earning scholarships from jobs. “This is just icing on the cake!,” said Sandi H. 

Several more parents shared that their students also acquired similar scholarships through part-time jobs. 

“My son was a caddy and received a caddy scholarship of $5,000 a year for four years. So, $20,000 in total.”  – Elizabeth K. 

A few fast-food companies give hourly employees tuition reimbursement for degree programs. Chipotle, Taco Bell and McDonald’s all offer tuition assistance for workers. 

Sheri M. said that her daughter started working at Chick-Fil-A when she was 14 years old and received a $2,500 scholarship. 

Benefits Other Than Scholarships 

Even if a scholarship isn’t attached, a part-time job gives students the opportunity to put a paycheck toward their higher education learning. 

Jennifer K. shared that her daughter started working at a local diner when she was 15 years old. She received good pay and worked a lot. While she didn’t get a scholarship, her employer did give her a graduation gift and a Christmas bonus for her work. 

Other parents were quick to note that a part-time job can be about more than the money and scholarships you earn. It’s a great way to learn financial responsibility. 

There’s more…parent Castle A. pointed out that many colleges value prospective students who work part-time because it shows they’re hirable and can work with others. 

“I never thought of making my kids work the summers until an admissions counselor said how highly it is perceived by admissions and scholarship boards. It’s a good thing to have them get a job.” – Castle A. 

___________

Use College Insights to help find merit aid and schools that fit the criteria most important to your student. You’ll not only save precious time, but your student will avoid the heartache of applying to schools they aren’t likely to get into or can’t afford to attend.  

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PAYING FOR COLLEGE 101

HOW TO FIND MERIT SCHOLARSHIPS

How I Fought to Remove Compulsory Test Scores on Transcripts https://www.road2college.com/how-i-fought-to-remove-compulsory-test-scores-on-transcripts/ Wed, 15 Mar 2023 17:15:31 +0000 Road2College https://www.road2college.com/?p=42496

This story was first published as a post by a parent in our Paying for College 101 Facebook community. It’s been edited for clarity and flow. 

Editor’s Note: Some schools include SAT and ACT scores on transcripts so the student doesn’t have to pay SAT or ACT to send their scores to the colleges they are applying to. The following story is from a parent who wanted these scores removed before her student applied to a test-optional college. The writer’s name has been omitted for privacy.

I’m a parent who went up against my school board to have our ACT scores removed from our transcripts.

Why Compulsory Test Scores on Transcripts Should Be Removed

I wanted his test scores removed because once college admissions counselors see the test scores, they can’t unsee it. While the college may be test-optional, once the admissions officer sees the score, it does influence their decision, even if they try not to let it.

Since my son didn’t score well on his ACT, I didn’t want the colleges to see his scores. But, unfortunately, our guidance counselor had told me it was compulsory to have them on; I couldn’t opt to remove them, and basically, I had to trust the colleges “wouldn’t look at them.” She went as far as saying that the school did not even have the software to remove them.

How I Fought to Have the System Changed 

After speaking to the Paying for College 101 Facebook group and finding out that other Ohio schools were not reporting, I challenged the school. I emailed the head of the school board, but I also CC’d the principal, the vice principal, and every board member.

Less than a week later I got a call from the principal herself saying that the guidance counselor could remove the scores and was choosing not to (or didn’t know how and couldn’t be bothered learning) but she has since been shown. So there’s now no reason for her to decline requests to remove scores.

What I Said in the Letter to the School Board

My letter got the desired result, so I’m sharing what I wrote to help others form their own letters.

Hello, I hope this email finds you well.

I am writing to you today to discuss students’ privacy regarding their test scores on transcripts.

 I have spoken to Mrs. X, who confirmed that ACT scores are automatically put on the senior transcript when sent to higher education facilities, such as colleges and universities. They are unable to be removed, even when requested. There are several issues with this that I would like to point out in this email.

First and foremost, this is a breach of FERPA (Family Education Rights and Privacy Act).

 Under FERPA, it is up to the parent’s discretion what information is shared with higher education institutes. I do not wish for my son’s test scores (ACT in this instance) to be shared. I called the school to have these removed and was told it was not possible. This school is one of the only districts that forces test scores on students’ transcripts.

 Since COVID, many changes have been made to the college admissions process. One of those changes is that many schools are now “test optional.” This means you do not need to include a copy of your ACT/SAT/PSAT in your application to be considered. Being a test-optional institution allows students to be seen on a more authentic level rather than just a score on a piece of paper.

 Secondly, not only is transcript test reporting a legal issue, but it’s also a moral issue. Compulsory test scores on transcripts severely harm kids in the application process and stop them from having fair access to higher education.

 I was listening to a podcast from College Admissions Officers—in several episodes, they state that if a student applied “test-optional” but the college can see those scores, they will use them in their admissions decision.

The podcast, Inside the Admissions Office, and the episode, “What a NYU Admissions Officer Wants from Applicants,” explains how the colleges use test scores negatively when seen, even if the student applied “test-optional” and the only way to stop the scores from being used is not to send them. The admissions officer stresses that they cannot unsee test scores, even if they’re supposed to.

 I have contacted several schools around Ohio that do not have test scores viewable on transcripts UNLESS the parent has outright given permission to include them. Having test scores shown on transcripts is potentially hurting the kids of our school and is a breach of privacy for the students.

I appreciate your consideration on this matter. I look forward to your response.

How You Can Fight for Change at Your Child’s School

If your school won’t remove test scores from transcripts, take it to the top. It’s so unfair that some schools don’t do this as standard. You may have a fight on your hands or a guidance counselor who refuses and needs pressure from higher up. But either way, you can do something.

You Might Also Like

What Is a Good ACT Score

Guide to College Admissions Testing

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My Daughter Chose to Study Overseas — and We Couldn’t Be Happier https://www.road2college.com/my-daughter-chose-to-study-overseas-and-we-couldnt-be-happier/ Sat, 04 Mar 2023 15:01:04 +0000 Kimberly Hufschmied https://www.road2college.com/?p=42449

This story was first published in our Paying for College 101 Facebook community. It’s been edited for clarity and flow.

Now that my daughter is off to school and a lot of my questions and concerns about her decision to study overseas have been resolved, I wanted to share our experience applying to college abroad.

A Little Background 

My daughter wanted to study overseas so badly that she applied to three schools in Scotland, one in England, and another in Wales. She is currently a first-year medical student at Cardiff University in Wales, a city with a wonderful history and a castle right in the middle of it. She chose Cardiff because the medical program takes less years than in the states and each year of school is $24,000. Her room and board are an additional $7,000.

College Application Outcomes

In the United States, she was accepted to George Washington University, Lafayette College, the College of William and Mary, the University of Richmond, the University of Pittsburgh, and American University. She was also waitlisted at Notre Dame. 

A unique thing about applying to a school overseas is that my daughter was told of her acceptance to Cardiff within two weeks, which is much faster than schools in the states. The only condition was that she needed to earn good grades her senior year in high school. Also, the Cardiff University calendar is from Sept. 26 to June 15 — a little later start and finish than the states, but the students have a bit more time to prepare. 

Costs

Even though there are increased travel costs to consider attending Cardiff, most of the U.S. schools my daughter was accepted to were $80,000 per year, and none was less than $48,000. And even though we did not qualify for any financial aid, our 529 plan covers four years of school with no loans for now. My daughter agreed to contribute $8,000 over four years with part-time jobs.

What We Learned About Studying Overseas

Instead of requiring liberal arts courses, Cardiff lets you focus on your major. As a result, my daughter’s schedule includes five science courses. The school charts a predetermined path to help each student be the most successful they can be. 

She’ll go to school for five years and then decide where she wants to practice medicine. If she chooses the U.S. she will need two years of residency, but just one year is required in the UK. By attending Cardiff, she can be a doctor in six years vs eight to ten in the U.S. — and did I mention $31,000 per year?!

The school also goes out of its way to help international students. Each first-year student is given a personal tutor for the year at no cost to help them do their best, and each student has their own room with shared bathrooms and kitchens. 

Keep an Open Mind

I hope our experience motivates even just one person to consider applying to study overseas. Think of the visits and travel you could share with your student! If your child speaks fluent French or German, a school in Switzerland might be a good fit, and there’s also the International School in Madrid, where my daughter considered applying.

I could never have done this without WhatsApp or cell phones, but I know she is where she needs to be.

___________

Use College Insights to help find merit aid and schools that fit the criteria most important to your student. You’ll not only save precious time, but your student will avoid the heartache of applying to schools they aren’t likely to get into or can’t afford to attend.  

Other Articles You Might Like: 

Going to College Abroad? What You Need to Know

5 Things to Compare When Choosing a College (Besides Price)

Money-Saving Tips After You’ve Dealt with Tuition

 

JOIN ONE OF OUR FACEBOOK GROUPS & CONNECT WITH OTHER PARENTS:

PAYING FOR COLLEGE 101

HOW TO FIND MERIT SCHOLARSHIPS

Your College Student May Need Help After Graduation. Are You Prepared? https://www.road2college.com/your-college-student-may-need-help-after-graduation-are-you-prepared/ Wed, 01 Mar 2023 18:00:39 +0000 Sabrina Malone https://www.road2college.com/?p=42429

This story was first published in our Paying for College 101 Facebook community. It’s been edited for clarity and flow.

Here’s yet another parenting lesson that I learned the hard way.

New Grads Have New Challenges

Let’s say that your kid gets through college in four years, graduates with honors, gets an advanced degree, and manages to land a few really awesome job offers with great base salaries, signing bonuses, and relocation packages, too. These are seriously all worth celebrating.

The thing is, most jobs won’t actually pay out all of that money until someone has been on the job for at least 30 days.

So how do they afford to relocate, and where and how will they live while they await their first payday and all those bonuses?

Answer: Mom and Dad, Aunts, Uncles, and Cousins. You may need to, once again, pool resources, because your new grad is likely to still need your help, at least for a minute.

Expect that. We didn’t. Here’s what you need to know. 

What Students Need After Graduation

In addition to their degree and their new awesome job, they’re going to require a few more things to successfully strike out on their own.

  •         First, sufficient money for a security deposit to rent a nice place.
  •         Second, a decent credit history to rent someplace kind of nice.
  •         Third, they may need a vehicle if the best job turns out not to be in a city or isn’t located somewhere convenient by mass transit.

These realities were not anywhere on my radar until recently.

How to Support a Future College Grad

So if I had it to do over again, this is what I would do differently:

  1.       Sophomore or Junior year of college, I would have suggested she get a couple of low-limit credit cards so she would have a decent enough credit history. Since we didn’t think of it, I’ll probably be co-signing her first lease.
  2.       I would have been more diligent about setting aside enough money for a security deposit and first month’s rent, so she could start out living in a safe, fairly nice place. Since I didn’t, I’ll likely end up clearing out most of my own emergency fund to get her initially set up – with the plan for her to pay me back when she actually gets her relocation and signing bonus.
  3.       Until she can save up enough for her own car, it really looks like I’ll need to loan her my car, and I’ll wind up sharing cars with my husband. 

In Summary: Make a Post-Graduation Plan

The point of my post is to urge others to plan ahead for success just a little better than I did. Learn from my mistakes and successes, if you can.

And make no mistake about it, let’s recognize that this is success. We avoided debt, and my kid got her Bachelor of Science in Engineering with high honors from a great school and will have a Master of Science in Engineering (MSE) in Robotics next week with a high-paying job in her field lined up, right out of college at the age of 23.

That’s definitely good. 

But even successful students may need a few things from their support system to make that last final push into self-sufficiency. I don’t think we all acknowledge how much having a family that can (and will) help you ends up changing outcomes.

We still may not have a whole heap of money to give any one of our six kids. We may not be able to just give her a car as a graduation gift either, but we can give them what we’ve got. And oftentimes, that’s just enough.

 You Might Also Like:

What I Wished I Knew Before College

Adulting Skills for College Freshman

What I Wish I Knew About Access to My Child’s College Records

 

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How to Pay for College Without Parents https://www.road2college.com/how-to-pay-for-college-without-parents/ Sat, 25 Feb 2023 19:26:29 +0000 Jacqueline Palochko https://www.road2college.com/?p=42386

This story was first published in our Paying for College 101 (PFC101) Facebook community. It’s been edited for clarity and flow. 

Paying for college and navigating the financial aid process can be daunting, especially for students who are planning to do it on their own. A member of our PFC 101 community asked parents: 

  • What do we need to do if our high school senior will be responsible for their own college tuition and expenses? 
  • How do we let schools and FAFSA know this? 

Here are the highlights of what our members said: 

Fill Out the FAFSA 

Filling out the FAFSA does not mean a parent must pay for their child’s education. Even if parents won’t be contributing financially, they should fill out the FAFSA. Here’s why:

Not filling out the form could disqualify students from federal financial aid. As Ella K. said, “if you can’t afford to help, once you complete the FAFSA, your child will be eligible for need-based aid.”

“That (who is paying for college) is an agreement between you and your child. The schools and FAFSA don’t handle your information or your financial aid offer differently because of your intention that the student will cover all expenses.” – Stewart G. 

“What you can do after filling it out is help your student choose an affordable path…” – Amanda R.

Help Your Student Pick Affordable Options

Parents said students should have an idea of what they can afford if they’re doing this alone. Different types of education have different price tags. For example, trade schools are typically less expensive than a four-year private school. 

“Setting a reasonable budget and targeting schools in that range will be critical if parents won’t be contributing.” – Shannon M. 

“You only apply to schools that fit your student’s budget.” – Kenneth C. 

Several parents suggested community college as a good option to start with. Becky H. said that to save money, students could look at options such as living at home for a couple of years to save on room and board. 

Many parents suggested that if a child is financially responsible for college, they should be well informed about the financial responsibilities. 

“Hopefully your senior and you have had this conversation over the years, so that your student isn’t surprised and is prepared for this new chapter in their life.” – Diana V. 

Let the School Know

A few parents suggested that it isn’t a bad idea to let the schools know the situation early on. 

“Most schools have a per-semester payment plan, like five monthly payments. But you have to sign up early. Talk with the financial aid office at prospective schools.” – Wendy C. 

Jessica L. noted that “many colleges are willing to work with the kids, but they need to know.”

Bottom Line 

College is expensive and a major investment. If parents are unable to contribute financially to their child’s education, they should still fill out the FAFSA form. It’s also important to make sure students are well-informed when making financial decisions about college. These decisions will impact their future for years to come. 

JOIN ONE OF OUR FACEBOOK GROUPS & CONNECT WITH OTHER PARENTS:

PAYING FOR COLLEGE 101

HOW TO FIND MERIT SCHOLARSHIPS

Top Questions to Ask Your Student Before Making the Ultimate College Decision https://www.road2college.com/top-questions-to-ask-your-student-before-making-the-ultimate-college-decision/ Fri, 24 Feb 2023 16:17:32 +0000 Pete Crozier https://www.road2college.com/?p=42379

This story was first published in our Paying for College 101 Facebook community. It’s been edited for clarity and flow. A version of this was also published on Parenting Teens and Tweens. 

By Pete Crozier

If you’re a parent wondering what to consider when you and your student make your college decision, below is a letter I wrote to my son after he was accepted to a few schools last year. It helped us narrow down his college decision.

___________

Gavin, it’s college decision time.

You’ve scoured the websites, perused the rankings, visited the colleges, attended the classes, talked to professors, and explored college towns. Now consider what you picture in your mind when you think about college.

What does your dorm look like? Is it organized or does it look like a thrift store and a deli had a baby? Do you have a roommate? Imagine waking up in that room. Is there a bathroom right there or do you zombie-shuffle down the hallway to a communal row of stalls? Keep in mind that the downside to a communal bathroom is the zombie-shuffle down the hallway, but the upside is that you don’t have to clean the toilet!

Once you’ve showered and you head out for class, is it warm or cold? Rainy or dry? Are mountains peeking through clouds? Is the shimmer of a lake pleasantly blinding? Does the cacophony of a city awaken and energize you? Are you walking, riding a bike, driving, or waiting for a bus to get to class?        

Now, look around the campus. Is it equipped with natural green space, or does it have the vibrancy of an urban setting? Are students hunkered down, studying between classes, or are they tossing a frisbee to a bandana-wearing dog? Do you feel safe?

Your College Decision Can Come Down to This

Once you narrow down what your surroundings are like, it’s time to consider whether you’ll feel challenged there. My favorite line from Sports Night is, “If you’re dumb, surround yourself with smart people. If you’re smart, surround yourself with smart people who disagree with you.” So, that said, will this place encourage discourse and debate without disdain? Do the professors have life experiences and not just degrees?

Narrowing down your college decision is about finding a school that helps you become who you want to be, rather than reinforce who you already know you are. 

So, do you feel connected? Can you see yourself saying, “Yes, I want to join your organization, yes, I want to contribute to your research, and yes, I want to try, learn, and do more?”

Do you feel supported? Will the professors know your name, and will they push you to be your best self? Will they be accessible yet assertive? Will they be willing to scrap a lesson plan in favor of an interesting conversational tangent? Think about your fellow students. Is this school a place where students claw their way to the top or will the rising tide of cooperation raise everyone?

What about inspiration? In one of your college essays, you were asked what inspires you. You said, “Ambiguity.” I loved that because it shows you are committed to a life of learning.

Finally, ask yourself: Will I be happy here?

If you’re honest with yourself as you consider the questions above, the answer will most likely be “yes” and your college decision will lead you toward curious, caring, true friends, not just people with whom you’re friendly. George Bernard Shaw said, “Life isn’t about finding yourself. It’s about creating yourself.”

This isn’t the end of a journey. It’s the beginning of one.

Love, Dad

—

UPDATE: My son ultimately chose Villanova University. Did asking these questions make a difference? Did he find “the right fit“? You be the judge. We dropped him off on a Saturday and by Wednesday, we received these texts:

–“I love college so much.”

— “All four of my classes had about 15 students and the professors have been incredible and geniuses and passionate. The classes are full of discussion and engagement. It’s been five days and I’m not sure I’ve ever felt this comfortable. I know there’ll be a time that it’ll be tough, but I’m going to soak it up for now.”

–“I’ve been propping my door open [as you suggested] and yesterday, James walked in and goes,‘always with the door open, I love it.’ Good advice, Dad.”

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10 Reasons to Consider Smaller Schools With High Acceptance Rates https://www.road2college.com/10-reasons-to-consider-smaller-schools-with-high-acceptance-rates/ Mon, 20 Feb 2023 23:33:22 +0000 V. Peter Pitts, MA https://www.road2college.com/?p=42311

A version of this story was first published in our Paying for College 101 Facebook community and on U3k4college.com. It’s been edited for clarity and flow. 

By V. Peter Pitts, M.A.

Parents, I would like to propose a slightly different approach to the college application process: Consider smaller schools with high acceptance rates.

My idea for this approach is influenced by the hundreds of high school students I’ve recruited over my 42-year career as a college admissions counselor at a small college of 800 students. Some of these students had an A+ average and nearly perfect test scores. They had it all: personality, writing skills, tons of extracurricular achievements, and leadership experience. They knew they could apply and get into almost any of the competitive colleges, but they chose our excellent school, even though it was not highly ranked. 

These students were admitted within a couple of weeks and were immediately offered a scholarship that covered about 75 percent of their tuition. They competed for a full tuition scholarship in February, but most still enrolled even if they didn’t win. 

By March, these students were all set and able to enjoy the rest of their senior year stress-free. This includes “B” and even “C+” students as well! Most graduated with close to zero debt. Schools such as the University of Michigan, Michigan State University, the University of Iowa, and Colorado State University welcomed these students into their master’s and/or doctorate programs. 

You too can reduce the stress level of applying to college, but you must change your approach and consider small and mid-size schools with high acceptance rates. Forget the whole “reach, match, safety” concept, and replace it with “fit, fit, fit.” 

There are a lot of excellent small-to-midsize colleges that don’t make you jump through hoops. These tips will help you and your student home in on them:

1. Avoid the highly “ranked” or “popular” colleges, even if you’re the high school valedictorian.

Contrary to popular opinion, there is no “best college for X major.” Instead, keep your family’s budget in mind. Many students go to graduate school, and graduate school is expensive. Saving money during your undergraduate years will help ensure that you still have money for grad school. 

Small and mid-size colleges as well as those with rolling admissions are your best options. Early action is okay, but stay clear of early decisions, which are binding.

2. Look for schools that have an acceptance rate of at least 70 to 75 percent. 

Most of these are on the Common App, are test-optional, and require only transcripts and essays. Many of them don’t have an application fee.

3. Do the cost estimators for each college and avoid schools with high price tags even after merit aid.

You can also see the average cost after merit at different income levels on sites such as Niche and US News & World Report. Compare your estimated numbers to your family budget and try to stay within your budget.

4. Apply to colleges where you know you have a 99 percent chance of being admitted.

It’s easy to see statistics of incoming students on sites such as Cappex and Niche Many excellent colleges admit 75 to 99 percent of their applicants, especially if they’re high achieving.

Use College Insights to help find merit aid and schools that fit the criteria most important to your student. You’ll not only save precious time, but your student will avoid the heartache of applying to schools they aren’t likely to get into or can’t afford to attend.  –Road2College

5. Apply for admission at schools with high acceptance rates as early as August or September.

I know many college students like mine who applied in August, were admitted in September, did the Free Application for Federal Student Aid (FAFSA) in October, got their aid award in November, and received their final decision by February or March.

6. Develop a strong relationship with the admissions representatives at each college.

You’ll want to make sure to visit the colleges, too, though it’s not always possible to get to them all.

7. Apply for public and private scholarships.

This is independent of the school you’re applying to, especially local ones, and expands your pool of potential aid.

8. Complete the FAFSA soon after October 1 and be prepared for verification and a possible “appeal due to special circumstances.”

Be aware, some schools also require the College Scholarship Service (CSS) Profile, a form used to determine eligibility for institutional aid. Do your own research about whether to apply to them or not. If you’re a family looking for need-based financial aid it may be advantageous to apply to these kinds of schools because that can be more generous with financial aid.

9. If you’re a high-achieving student, apply to any of the 100-plus colleges that offer full tuition scholarships by competition.

It’s important to note that those who participate in these competitions usually still get a ton of merit aid anyway. It’s also a good idea for high-achieving students to apply to colleges where less than 20 percent of students have your statistics. You need to be a shining light!

10. If you’re a C+/B- student, don’t apply to a college unless it admits at least 10 percent of its students with less than a B average.

Cappex and US News & World Report’s College Compass are good sites to find out these kinds of statistics. There are at least 325 of these colleges in the country. 

Remember:  A “dream college” approach can make for a stressful senior year and, for parents, a financial nightmare. Change your approach and consider smaller schools with high acceptance rates.

Use College Insights to help find merit aid and schools that fit the criteria most important to your student. You’ll not only save precious time, but your student will avoid the heartache of applying to schools they aren’t likely to get into or can’t afford to attend. 

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Parents Share What They Got Right and Wrong During Junior Year of High School https://www.road2college.com/parents-share-what-they-got-right-and-wrong-during-junior-year-of-high-school/ Thu, 16 Feb 2023 20:38:59 +0000 Jacqueline Palochko https://www.road2college.com/?p=42261

By Jacqueline Palochko 

Comments in this story were first published in our Paying for College 101 (PFC 101) Facebook community. They’ve been edited for clarity and flow. 

It’s no secret that junior year of high school is an important one academically for students who are hoping to get into college. 

It’s also the year before most families and students are overwhelmed with applications and figuring out financial aid. To help plan ahead, PFC 101 member Shannon G. reached out to parents of high school seniors for advice. She asked what other families accomplished during junior year that made the senior application process easier. Here are some of their answers:

Ask for Recommendations 

Colleges typically put a lot of stock into the teacher recommendation letter. But teachers can get swamped with so many requests. A few parents noted they told their children to ask for teacher recommendations before senior year. 

One parent shared that her daughter waited until senior year to ask for letters, and despite being a top student, some teachers were already too booked to write another letter.

 “As an 11th grade AP English teacher, I can’t love this enough! I try to write most of my college recommendations for seniors over the summer – when I have time and energy. By the time fall rolls around, I am exhausted and extremely busy. I tell my juniors to ask in May or June!”– Miranda D. 

Start Writing Essays During Junior Year 

Several parents said they used school breaks during junior year to encourage their students to write their college essays. “I had my junior start writing essays before senior year. One over winter break, one over spring break, and one during the summer going into senior year. There’s much less stress to have them done, and it’s easy to modify if needed.” – Dianna H. 

Maryann D. wished she had her child write more essays during the summer before senior year because many colleges’ honors programs or scholarships require them. It can be very time consuming and challenging.

Think About Future Careers 

Choosing a college major can be a daunting task. An estimated 20 to 50% of college students start undecided. 

“Job shadowing at careers they are interested in can help them to get experience before deciding on what college has their major.” – Kimberly E. 

Christina B. said she brought her son to city council meetings his junior year because he expressed an interest in politics.

Tracey L. called local business owners, explained her son didn’t know what he wanted to do and asked if he could shadow for a couple of days. The places were all for the trades, and the experience made her son realize he wanted a business degree. 

Give Your Students a Sense of Independence 

Several parents said junior year was when they started to give their children more independence to get them ready for being on their own at college. 

“I stopped micromanaging things and took a step back, and let them succeed and fail to prepare for college…” – Jennifer N. 

Robin A. said she asked her daughter to make her own doctor’s appointments, manage and budget her finances, and help with meal planning. 

Visit College Campuses 

“We started touring universities in-person. No matter how good things look on paper or in a virtual tour, there is NOTHING like being there. My daughter ruled out what she thought would be her top choices after touring the university and surrounding area.” – Maya E. 

Senior year can be an extremely busy year to schedule college tours. That’s why Jennifer G. said her family visited schools junior year “so we could focus on applications, FAFSA, and scholarships” senior year. 

“We visited like 15 schools from February to April and two in August. There’s no way that would’ve been possible this fall.” –Amanda W. 

Make the Most of Your Time Together 

For a lot of parents, junior year is when they start to realize their child is leaving home soon. So in between the hustle of applying to schools and figuring out the future, it’s important to slow down and savor the experiences. 

Carolyn A. scheduled a coffee date every two weeks with her daughter to discuss the college to-do-list. It not only gave them more time together, but provided some unexpected benefits: “It made for a much more pleasant interaction between us, and allowed her to really lead the way and be responsible.” 

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Said Yes to a College? You’ve Still Got College Financial Planning to Do. https://www.road2college.com/college-financial-planning-mistakes/ Wed, 15 Feb 2023 00:49:34 +0000 Linsey Knerl https://www.road2college.com/?p=42221

We did it! My high school senior said yes to the right school for him. With this milestone behind us, we can now look forward to the post-acceptance stage of college financial planning. That’s the stage after you’ve received your financial-aid package but before your student begins classes. As it turns out, there are still many factors that determine if a student will come up short when the tuition bill is due.

Avoiding these common mistakes is key to getting your student off to school with less stress and fewer unexpected fees. Here’s what we’ve learned, and you need to know:

1. Plan for Cost Increases

Whether it’s fuel, medications, or even the family Netflix subscription, costs are rising on daily expenses and they can easily blow a well-planned budget.

Since I don’t have a crystal ball, and I can’t see what basics like gas will cost for a two-hour drive home for Spring Break, I need to plan ahead, adding a 15-20% buffer for the unknowns that can happen in the course of a school year. This is in addition to any year-over-year cost increases that the school charges for the sophomore year and beyond.

2. Learn About Program-Related Expenses

There’s no way to really know exactly what books and materials your student will need before they get their course syllabi. You can use the online bookstore search tools at most colleges to see what books are required for the current term. These can change, but they do give a framework for if books will likely be used at all or if you’ll need to buy three to four heavy textbooks that cost $100 or more.

You’ll also want to check out the supply lists for a course, which may be available online through a quick search. Reach out to past students  (via school Facebook alumni groups) to see what basic tools will be needed. Estimate a basic cost for books and supplies, then round up. This will prevent any surprises when fall term rolls around.

3. Get a Jump-Start on Summer Employment

We live in a rural area where everyone is hiring. Not all summer jobs are a great fit, however, and the great jobs fill up quickly. If you’re counting on your student working full time the summer before school starts, help them reach out to employers now to see how their summer hiring works. Do they prefer returning students over new hires they have to train? Is there a way to have your child do a part-time job on nights or weekends to secure some of these better opportunities?

Get a feel for jobs that will help your student meet their summer savings goals. It might seem like a small amount, but a job with a $2-an-hour wage difference could add up to $800-1000 more in their bank account when school starts.

4. Figure Out the “How” of College Financial Planning

It seems pretty straightforward, right? The college tuition bill comes due, and you pay it. But this is one area where you want to get into the nitty-gritty of how payments work. We are conditioned to use tools like debit and credit cards to pay for things, even when we have cash – mainly because they are so convenient.

The truth is, if you pull out the plastic in your college financial aid office, you’ll get hit with a 2-5% fee for what the credit card processors charge the college (and that they kindly pass along to you). This could translate to extra costs of anywhere from hundreds to thousands of dollars.  

If you choose a payment plan option, ask about how the plan works. For example:

  • Do they charge a one-time fee? Or is there a fee every month they process a payment?
  • Does the fee vary by payment method (ACH withdrawal vs. your student bringing them a check each month)?

Now is the time to ask these questions.

5. Expect Changes in Your Personal Lives

I’m one of those parents who try to view life from every angle, figure out every possible scenario, and plan accordingly. One mistake I see made by even the most prepared parents is thinking this first year sets the stage for every year. The fact is, we don’t know what’s ahead so we have to plan for the known unknowns.  Call it insurance of sorts. Here are some “what ifs” to consider:

  • What if my student changes his major?
  • What if my student’s GPA changes?
  • What if my family income drastically changes?
  • What if that “renewable” scholarship is no longer offered at my school?

Any one of these future scenarios could mean we’d have to come up with a large amount of money really quickly. While I don’t love to think about it, my family has discussed ways we could fill in the gaps if one of our grants or scholarships changed. We’ve talked about working more, cutting costs in other areas, and what it would take to cause my son to have to leave school and consider another education path.

It’s not that I love to dwell on these things, but I know that we must have a line. I know it’s not sustainable to mortgage my house and take out all of our savings for my one child because I have four more waiting to go to college soon. By figuring out our boundaries, even in this situation with a school we love, we’ll be better prepared to tackle things without too much emotion and with the best interests of our entire family in mind.

The Worst College Financial Planning Mistake?

Procrastination is the biggest college financial planning mistake, and most families are guilty of it to some degree. Looking back, I’ve made my share of mistakes when it comes to preparing to pay for college. We could have started standardized testing early or put more money in our state’s 529 college savings plan instead of a high-interest-rate savings account. I could have thought more about how tax planning and our family’s Adjusted Gross Income (AGI) affected federal student aid and other government funds. 

That said, since I can’t undo the past, I can plan better for the future. These post-acceptance college financial planning mistakes don’t have to be mine. They certainly don’t have to be yours, either.

 

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How to Pick a College That Loves You Back https://www.road2college.com/how-to-pick-a-college-that-loves-you-back/ Thu, 16 Feb 2023 17:47:58 +0000 Rebecca Duclos McHugh https://www.road2college.com/?p=42207

This story was first published in our Paying for College 101 Facebook community. It’s been edited for clarity and flow. 

I’m the mom of a high school senior headed to nursing school in the fall. About one year ago, I saw posts and comments about how important it is to love the school that loves you when figuring out how to pick a college. I didn’t understand what that meant then, but boy, do I get it now. This is my advice to share with your high school junior just starting the college journey.

1. Pay Attention to the Interest a College Shows in You

Sure, it’s important for kids to show a demonstrated interest in the school, but pay attention to the colleges’ interest level, too. Do they reply to emails? Do they seem interested in your child as a person? Is there an egotistical vibe about the place when you visit, or does it feel warm and welcoming? Whatever you do, don’t discount gut reactions. 

2. Ignore the Name Brand   

Your child’s value is not attached to the college they attend. I know some will argue with me on this, but this is my take. The schools with gazillions of dollars to spend on marketing and sending you mail nonstop aren’t any better than the lesser-known spots that invest their money in student aid and campus improvements. The publicity alone doesn’t make a college better. 

Use sites like Paying for College 101 to inquire about programs, the size of the school, and whatever else matters to your child to narrow down a list. Don’t just default to the household names believing they are inherently better. I went to a name-brand school for my master’s degree because it was one of only two in the nation that offered that program at the time, and I went for free. But I would have gone there if the College of No Name had had that program, too. Go for the program offered and the value to you, not for the brand name.

3. Talk to Financial Aid Early 

A net price calculator is fine to use but a real conversation with a human being gives you a feel for what that office will be like to deal with if that’s where your child decides to attend. The schools that have loved my child back are the ones that offered communication with financial aid early on and haven’t seemed at all put-out, which is not true everywhere.

Find out what the maximum merit is that’s awarded. The narrative we all know by now is to chase merit, but merit doesn’t mean a full ride. About $30,000 in merit, which seems to be the max at a lot of schools, means you’ll need deep pockets to pay the difference at a college that is $68,0000. 

Some colleges will try and sell you on parent loans but understand that means you are taking on the debt, not your student. This will impact your ability to make purchases that require credit checks. Of course, there’s nothing wrong with parent loans, it’s just important to know what you’re getting into.

4. Create a Resume as Soon as You Can  

When emailing admissions with questions, include them and find out if your student is a good fit for the college. Admissions at the schools that will love you back seem to appreciate this and want to get to know you. If a college can’t be bothered to show interest or answer your questions as you’re applying or after admittance, that may be an indication of what will happen once your student is there.

5. Know That Schools Are a Business

You’re the consumer, so make sure you’re getting what’s best for you when deciding how to pick a college. That looks different for everyone. You’ll have many options; it’s OK to be picky. Ask for what is best for you. It helps if your child’s stats, extracurriculars, and efforts to show interest in the college put them above the average kid who applies. But today with so many kids having high stats and so many schools being test-optional, most kids have a shot at a lot of schools.

6. Be Aware: Having Money Helps You Go Where You Want

If you don’t have lots of money, choose places that are known for awarding merit and need-based aid. Find out what GPA is required to retain merit and which grants are and aren’t renewable.  You don’t want to go somewhere that gives a good amount of aid freshman year and then find yourself unable to return due to cost. Don’t be afraid to ask all these questions even before being admitted. 

Again, you’re a consumer. Do your research to make an educated decision. Dependent, undergraduate students can only borrow $5,500 in federal loans during freshman year. Be aware of that before thinking your child can borrow as much as they want to cover the cost. 

7. Ignore the Competition 

If you do, it will help your child do the same. Senior year can be brutal. My daughter has been admitted to amazing schools and has many great options, but we are solidly working class, which means that even with tons of merit and need-based aid, many places are prohibitively expensive. The net price calculator (NPC) doesn’t factor everything into the equation, and some schools have offered far less than the NPC estimated, and some far more.

I keep telling her that many other kids are waiting to commit because finances matter, but it’s hard for teens as social media makes it seem like “everyone” is going to their dream school. It can be soul-crushing at times. Remind your child that, “you’ll land where you’re meant to be.” For us, it’s become apparent that going to the place that loves you as much, if not more, than you love them is likely the best bet.

8. Join Paying for College (PFC101) 

Parents, this one’s for you! Chances are that there are 100 other parents worried or wondering about the same things you are. While college advising businesses are awesome for those who can afford them, these sites are a goldmine for the masses who can’t. Use them to your advantage and search by topic!

 Good luck to everyone just starting this journey. I know I’m eager to breathe a sigh of relief in the coming months, and you will, too. 

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Scholarship Renewal Tips and Truths https://www.road2college.com/scholarship-renewal-tips-and-truths/ Wed, 01 Feb 2023 16:35:38 +0000 Byron Jackson https://www.road2college.com/?p=41842

This story was first shared in our Paying for College 101 Facebook community. It’s been edited for clarity and flow. 

When I was overseeing the academic recovery program at a nationally ranked HBCU, one-third of the students in the program were scholarship students. To help future college-bound students, I’d like to share some advice about scholarship renewal. 

One-Time vs. Renewable Scholarships

If your child received an institutional freshman scholarship, confirm with the college whether it’s a one-time or renewable scholarship. 

Many universities offer a one-time scholarship to incoming freshmen to make the institution more appealing and appear more affordable. It often only covers the first year. If this is the case, consider how you’ll cover the cost of that lost scholarship between sophomore year and graduation.

If your child received a renewable/full-ride scholarship for four years, congratulations! Just remember that the money isn’t guaranteed. Make sure your child understands the renewal requirements. For example, if a university requires that your student maintain a minimum cumulative 3.5 GPA, they will rescind that scholarship if they fall below that. If the renewal requirements say they must have a minimum cumulative 3.5 GPA and at least 30 credits completed by the end of the academic year, that’s also important to note.

I’ve seen firsthand how those renewable/full-ride scholarships can be here today but gone tomorrow. As I also served on the scholarship appeals committee at the HBCU, I know that universities are inclined to deny scholarship appeals. Once a student loses a scholarship, the money is funneled to other programs.

Why Scholarship Renewals Get Rescinded

In my experience, there are two main reasons why students lose their full-ride scholarships:

Reason #1

Students treat their college schedule like a high school schedule, enrolling in classes all day. The rigor and pace of college courses far exceed the high school level, and even if they took AP and IB courses in high school, they just aren’t the same as an entry-level college class.

Reason #2

Students are unfamiliar with the scholarship contract and the renewal requirements. Sometimes they confuse their term GPA with their cumulative GPA, they confuse attempted credits with earned credits, or they change their major not knowing the money was tied to the initial major and doesn’t transfer.

If you have a student with a scholarship who is entering college in the fall, be sure to to review the scholarship details so you can avoid these common pitfalls.

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What to Know About the Digital SAT https://www.road2college.com/what-to-know-about-the-digital-sat/ Thu, 26 Jan 2023 15:37:25 +0000 Barak Moore https://www.road2college.com/?p=41772

This post was originally published in our Paying for College 101 (PFC 101) group. It has been edited for clarity and flow. 

Most of the information being shared about the new Digital SAT is irrelevant to what you really need to know: what your children should be doing differently now to maximize their scores on this fall’s (2023) digital PSAT, as well as on the digital SAT. The digital SAT will begin in the U.S. March 2024 (and internationally March 2023).” 

What is a Digital SAT?

A digital SAT test is an online version of the SAT. In addition, the new Digital SAT will also be computer adaptive. The introduction of the adaptive format in the digital SAT represents one of the most significant changes in the test’s long-standing history of over 100 years.

As an adaptive test, the digital SAT will be tailored to the individual student’s performance. As the student answers correctly on the first section, the questions in the next section will become more difficult, but they will also carry more point value.

What Are the Changes to the Verbal Section of the Digital SAT?

The Verbal section of the digital SAT has changed the most, primarily because long reading passages cannot fit on one computer screen. This means that traditional Reading Comprehension is no longer a feature of the SAT. 

Although many students will celebrate this, it just means that a new challenge has been substituted in its place. Remember when SAT prep meant cramming vocabulary? Well, it’s back, but even more so. 

Approximately 22% of the Verbal now consists of advanced vocabulary questions, but a closer inspection reveals that another type of question (about 13% of the total) hinges exclusively on vocabulary as well. This means that over a third of the verbal questions are purely a matter of vocabulary and nearly every question (including new components like poetry) requires advanced vocabulary. Here’s an example: 

SAT Question Example

In the three-sentence excerpt above, there are four “SAT words” that most high-schoolers do not know. To see why vocabulary is critical, notice that the word “exulted” in the last line creates a surprising twist: that Mrs. Ochiltree enjoys having no friends. 

Fortunately, it’s far easier to master vocabulary now using free “spaced-repetition” software such as Anki. Almost any student who gets into the habit of spending five minutes daily will find a majority of the Verbal section of the Digital SAT to be simple and fun. Those who cram over six weeks can multiply their advanced vocabularies by a factor of about 10, simply by learning 33 words per day. 

What Are the Changes to the Math Section of the Digital SAT?

The major change to the Math section is that a calculator is permitted throughout, and that an advanced, built-in calculator is supplied with the test. However, this means that students are likely to learn exactly the wrong lesson, because calculator overuse lowers scores. 

Yes, I know this doesn’t make intuitive sense, but that’s the case with many things about the SAT. Here’s why: every SAT question is designed to fool a certain percent of students. An “easy” question is one that tricks a minority of students, while a “hard” one will often have a trap that ensnares nearly everyone. 

The calculator can be a thief of attention which makes it very easy to fool a student who is preoccupied with the routine of entering calculations. Therefore, I generally advise avoiding the calculator because the SAT can use it as a tool for “misdirection” in order to slip something big by unsuspecting test-takers. However, a calculator is indispensable for simple arithmetic requiring precision and for built-in calculator functions such as systems of equations.

Here’s an example of where calculators are harmful, however:

SAT Calculator Example

Anyone who spends time finding the exact average of the ten supplied numbers will almost certainly be fooled by the fact that ninety of the numbers are not supplied. The answer choices are so far apart that finding a precise average would be ludicrous. Instead, a quick guesstimate that the numbers are somewhere in the 100-200 range is far preferable.

This means that the tiny minority of students who insist on the discipline of mental math will likely outperform their peers significantly. In fact, the key to acing the SAT continues to be “taking the road less traveled.”

How Do You Get a High Digital SAT Score?

One challenge in preparing for the digital SAT will be finding real test questions. Although there are dozens of real, previously administered tests available for both the paper-based SAT and ACT, the College Board has only provided four sample Digital SATs, and experience shows that these tests are unlikely to be fully representative.

There are commonalities, however, between the new test questions and various elements of the paper-based SAT, the pre-2016 SAT, and the GRE, so experienced test-prep professionals who know which questions from these tests to use for practice will provide a significant advantage for the next year or two. 

A month prior to taking the digital SAT, it is worth trying out its new features by downloading the “Bluebook” app from the College Board. However, just because there are new features available does not mean that they will all serve you equally well. 

For example, don’t rely on the annotation tool: use scrap paper instead. (Other features, such as the “eliminate answers” tool, and “mark this question for later review,” are helpful.) Also, bring your own calculator if you know it better than the built-in Desmos. 

If you plan to use Desmos, you’ll give yourself a significant advantage by bringing a 17-inch laptop (preferably touchscreen). Otherwise, you’ll have to keep opening and closing the Desmos calculator to be able to see the questions. 

If you’re using your own calculator, any size laptop works.

[table id=50 /]

What Is the Digital SAT’s Adaptive Testing?

The digital SAT is “adaptive,” meaning simply that although everyone gets the same first Math section, those who do well will then get a harder second Math section, while those who do poorly will get an easier second Math section. (The same goes for Verbal.) 

This is a positive change because it shortens the test by over an hour, minimizes frustration by dramatically reducing the number of questions that are too hard or too easy, and improves the score accuracy.

Students shouldn’t pay much attention to this format change: all they need to know is to try their best on each question, and that ironically, if a test feels hard, it may just be a sign that they are doing well. 

This article will be updated as new information about the digital SAT is made available.

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What to Look Out for on College Tours https://www.road2college.com/what-to-look-out-for-on-college-tours/ Mon, 23 Jan 2023 17:24:47 +0000 Debbie Diveney https://www.road2college.com/?p=41740

This story was first published in our Paying for College 101 Facebook community. It’s been edited for clarity and flow. 

Now that my daughter is in college, I wanted to share some of my thoughts about what families should look for while on a college tour. 

Check Out the Dorms 

Make sure you look carefully at the furniture, the bathrooms and the lighting in the dorms. See if there is air conditioning. We didn’t get to visit the dorms because of Covid, so it was quite a surprise to see the condition of the dorms on move-in day. 

There was dim lighting because one of the two bulbs was out, and there were multiple layers of dirt and dust on everything in the room. Broken furniture just added to our disappointment. The more you know before you arrive, the better prepared you will be to deal with things.

Sample the Food 

Make sure to try the cafeteria food on a tour – and not just the Starbucks and other well-known restaurants, but the food your student will eat every day. Pay attention to the hours of operation. Are the good places open on the weekends? My daughter’s weren’t, so there were limited options on weekends. My daughter often had to go off campus on weekends in search of better choices. 

If you’re visiting a campus over winter break, ask what, if any, food options are available for students during breaks. No one mentioned that the school cafeteria closed for three weeks during winter break, even though winter sports athletes are required to be on campus. For more than three weeks, my daughter (a school athlete) ate bagged breakfasts and frozen pizza or tacos, which isn’t the best meal regimen for athletes. 

Also, ask how hours of operation coincide with practices and games. If the program isn’t feeding you, will there be any options that are open late? 

Get to Know the Area 

It’s important to know who to call (and who should be making the call) with an issue. We emailed the Dean of Students twice about the lack of heat in my daughter’s dorm. She made it clear she wanted to hear from our child, not us. Since we’re paying the bill, the school heard from us. 

It’s also vital to look around at the surrounding community, because your child will want to go off campus and explore it. Some things to look for/do:

  • Check crime maps. Follow the local police department and news stations for up-to-date information. 
  • Search Yelp or Google for your child’s favorite stores and restaurants. 
  • Find the nearest grocery or drug store. No matter how much you leave them with, your child will eventually need to visit these stores for snacks, laundry detergent, and medicine. 

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Tips and Tricks to Make the Most of Your College Tours https://www.road2college.com/tips-and-tricks-to-make-the-most-of-your-college-tours/ Thu, 19 Jan 2023 16:23:27 +0000 Rick Cutright https://www.road2college.com/?p=41704

This story was first published in our Paying for College 101 Facebook community. It’s been edited for clarity and flow. 

After doing a few college drive-bys and tours on our own, our first official college tours began. Here are some of the lessons we learned, so you can make the most of your college tours.

  1. Plan to spend more time than you think, especially if you want to explore on your own after the college tour. College tours take longer than advertised. They may say they’ll last 60 to 90 minutes, but at the scheduled completion, you’ll probably be standing in the student fitness center on the opposite side of campus from where you parked and you haven’t even seen the dorms yet. 
  2. Avoid taking two school tours a day. It’s challenging even if the other school is only a short drive away. This ties back to point #1 (college tours take longer than advertised) and that general tours often start late morning or early afternoon making it harder to coordinate more than one.  
  3. Take notes. Once you attend a few college tours, they start to blend. Give your student time to put their thoughts on paper when you return to the car before anyone can influence their perspective. 
  4. Consider scheduling department-specific tours or discussions. This decision is more about education than amenities. The general tour is likely to walk by and say, “over there is the XXX building,” and that may be all you hear about it. But I found that professors and department heads are willing and enthusiastic about meeting prospective students. 
  5. Be aware that general tours can be biased and skew the “takeaway” based on the interests of the tour guide. For example, if the tour guide is into sports and fitness, they may neglect to discuss theater or music, and your student leaves without hearing about those offerings — or vice-versa. 
  6. Have a purpose in mind for your college tour. If you take a tour early in the process, the goal may be to kiss or kill a school as you put together your final list. Later visits may provide more details about financial aid, costs, and program specifics. Separate the tasks you can do from home versus what is best handled on campus, so you don’t waste the limited time onsite.
  7. Ask your student to score each school (1-10) using multiple criteria, rather than just rank the schools in order. The scores can help show if there is much difference between the top choice and the second choice, for example. A quantitative list makes it easier to draw the demarcation line and integrate colleges from subsequent tours.
  8. Encourage your student to send thank-you emails to the staff who gave up their time to support these tours and meetings. It’s good manners, and some of them may be the primary decision-makers on merit aid, portfolio review, and auditions.
  9. Grab a meal on campus. You’ll be able to sample the food and have an opportunity to observe current students and campus life. Take note of campus attire, morale, and the overall vibe to see if it’s a good fit.

Additional college tour suggestions from PFC 101 Members

Use Organizational Tools and Resources

Find a way to keep track of tour dates and information that works for your family.

“I created an easy Google Doc with sections for tour guides, campus, surrounding area, and student population,” said Carolyn G., who toured eight colleges in five days with her student. “Each section had easy multiple-choice questions and an area for comments. We filled it out after each tour to keep them straight and dumped all the results into a Google Sheet for reference later.”

“Pick up a student newspaper,” said Jenny C. “You can learn a lot about a school there.” 

Ask Questions

Another Jenny C. in our group noted that you shouldn’t “be afraid to ask to see something that isn’t on the tour. My son is an athlete and the gym was not on the official tour, but we asked admissions if the building was open (it was). We were able to wander around. A student gave us a tour of the athletic facility, and the coach was actually in the gym at that moment with the team!”

Question Answers

Be aware: not every tour guide will have all the facts. Do your own research ahead of your visit. Angie C. said her son ended up attending a school that they were told (during a tour) didn’t have the music program they inquired about. The reality? “There were symphony and jazz options for non-majors,” she said, “and a (later) audition led to my son picking up music as his double major before ultimately changing to music education as his main major.” 

Other Stories You May Like:

College Campus Tour Red Flags: What to Look for on a Visit

Choosing a College: Henry’s Story

Planning Some College Tour Trips? Here’s How to Save Yourself Time, Money, and Heartache

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