Is Early Decision Right For You?

Early applications were initially intended to help students signal their commitment to their top choice school. Over time though, the early application system began to reproduce all the stresses and strains of regular decision, only earlier and for an extended application period.  Now there are a variety of early application choices: Early Action (open choice and single choice), Early Decision, and second round Early Decision applications. Early Decision and Early Action application deadlines are usually in November, and students are typically notified of the admission decision in December.  Each early application option offers pros and cons.

This blog focuses on Early Decision (ED) applications.  An ED application is a binding commitment to one school. If accepted, you will be expected to attend, and thus you must withdraw any other applications.

Applying early can be an effective admissions strategy for many students. It is most appropriate for a student who:

  • Has researched colleges extensively
  • Is absolutely sure that the college is their first choice
  • Has found a college that is a strong match academically, socially and geographically
  • Meets or exceeds the admission profile for the college with respect to standardized test scores, GPA and class rank
  • Has an academic record that has been solid over time

Early Decision may be less appropriate for students who will absolutely need financial aid to attend college and will benefit from comparing financial aid offers from other colleges, unless your first choice college is one of the colleges that pledges to meet 100% of a student’s demonstrated financial need.  (See: http://www.thecollegesolution.com/schools-that-meet-100-of-financial-need-2/.)

More and more, colleges are accepting an increasing proportion of their incoming freshman class through Early Decision (ED) applications.  Click here (https://ogontz.files.wordpress.com/2016/08/2016-early-decision-vs-regular-decision-acceptance-rates-chart-8-21-16.pdf) for a document that compares ED acceptance rates to Regular Decision (RD) acceptance rates for over 200 American colleges and universities. The document also gives the percentage of each institution’s freshman class filled through ED.  You will note that many prominent colleges fill 1/3 to 1/2 or even more with ED applicants, which significantly reduces the number of spaces available for the much larger pool of students who apply Regular Decision.

It’s important to reiterate that you should apply early only if you are as ready to present your credentials to the college in October or November as you would be later in the fall. If you want to re-take the SAT or ACT you didn’t do so well on, or get your History grade up, you might want to forgo applying early in order to buy yourself some more time for improvement until the regular admissions deadline.

If you plan on applying early, you need to start all facets of your admissions process early. Make sure you have lined up your recommendations and completed all required testing before the deadlines. Be ready to present yourself as a solid candidate. Above all, make sure you indeed want to attend the school to which you are applying early.

For more information about Early Decision, see:

http://blog.prepscholar.com/what-is-early-decision-should-you-do-it

http://www.thecollegesolution.com/applying-to-college-early-decision/

By Carolyn Stewart

Start Your College Financial Aid Process NOW

As you are excitedly exploring college websites and imagining yourselves as incoming freshmen next year on the campuses of your choice, many of you (and your parents!) are probably also concerned about the rising cost of college attendance.

There are two options that can help families in facing the cost of college – merit scholarship aid and need-based financial aid. Students/families should consider applying for both. Merit scholarships are awarded to students based on their talents and not on financial need. These talents may include athletics, academics, musical skills or commitment to service. Merit-based money is a measure of how much a college would like a student to attend and is unaffected by the wealth or the need of the student’s family. Many of the most selective private colleges, however, do not award any merit-based aid. Need-based aid is based on a calculation of a family’s demonstrated need. In other words, the cost of attending a college minus the estimated contribution a family can make to cover that cost (EFC) = demonstrated need.

If you think you will need financial assistance in order to attend the college of your choice, there are things you and your parents should do now to prepare for the process of applying for financial aid.

  1. Start gathering and organizing your financial documents and tax information now. Beginning in 2016 for aid applications for the 2017-2018 award year, families will use the prior prior year (PPY) income and tax return information. This is great news, since most families should have their 2015 tax returns already submitted. Use this 2015 income and tax return information on the Net Price Calculators described below and to complete the FAFSA and CSS Profile in a timely manner.
  1. All colleges and universities are required to put a Net Price Calculator on their websites to help families calculate their estimated family contribution (EFC), given the specific costs of that institution. You can also find a general net price calculator on the College Board’s website at http://netpricecalculator.collegeboard.org/.
  1. The Free Application for Federal Student Aid (FAFSA) is the online application used by U.S. citizens and permanent residents to apply for financial aid from the U.S. federal and state governments. It is used by colleges and universities to distribute need-based financial aid. It is also used by many institutions to award scholarships and merit-based aid. It is important to complete the FAFSA even if you don’t think you will qualify for financial aid! 

    International students are not eligible for the U.S. government aid programs. However, many schools will ask international students to submit a FAFSA so that they may use the data for assessing financial need. See eduPASS (http://www.edupass.org/finaid/fafsa.phtml) for more information.Beginning in 2016, the FAFSA will be available starting October 1. Complete the FAFSA as soon as possible after October 1. You can download instructions, worksheets and other information about completing the FAFSA at https://studentaid.ed.gov/sa/resources#complete. The switch to PPY data will allow most American families to use the IRS Data Retrieval Tool within the FAFSA, thereby simplifying the application process. Information from the parents’ PPY tax return (normally already submitted to the IRS – 2015 return in this case) would be downloaded and automatically populate the FAFSA. If your student is applying Early Decision (ED), you will likely need to submit the FAFSA at the same time or shortly after the ED application has been submitted. Check each college’s website for deadlines.

  1. Check to see if the institutions on your list require the CSS Profile, in addition to the FAFSA. There are about 200 colleges (mostly highly-selective private colleges) that use this form, which is longer and more complex than the FAFSA. Both U.S. and international students may complete the CSS Profile. We recommend printing out the CSS Profile worksheet (accessible once you establish a CSS Profile account) and filling it in by hand, before transferring the data to the online application. The CSS Profile is also available starting October 1 and will use PPY income and tax information like the FAFSA. If your student is applying Early Decision (ED) to one of the institutions requiring the CSS Profile, you will likely need to submit the CSS Profile at the same time or shortly after the ED application has been submitted. Check each college’s website for deadlines.
  1. If you think you will need assistance with FAFSA or CSS Profile preparation, contact a financial aid expert EARLY, preferably in the Fall and definitely not last minute!
  1. Start exploring scholarship opportunities, both locally and nationally. These are sources of funding that are not administered by colleges but rather by other private organizations, each with its own application process and eligibility criteria. Families should not pay for any of these, nor pay anyone to search them out! Check out this website: http://www.college-scholarships.com/free-scholarship-searches/. Before you spend lots of time applying for scholarships, check with the colleges on your list. Many schools will deduct your scholarships from your awarded financial aid package.

This process can feel overwhelming….. I know, because I have completed the process for both my children! But by starting the process now, getting organized, and having a frank discussion with your family about expectations and financial realities, you will be ready to complete all the relevant forms when the time comes. And, when you have completed the paperwork, reward yourself for your accomplishment!

Written by Carolyn Stewart, Director of Communications

Summer Reading Suggestions

Every year, College Goals suggests interesting books for you – both students and parents – to consider for your weekend and holiday reading! This year, our counselors have been reading a wide variety of genres, encompassing many topics, eras and styles. Their recommendations are included below.

So, look for these titles and grab a book to take with you on vacation!

Andrea van Niekerk’s Recommendations

Mary Norris, Between You and Me: Confessions of a Comma Queen. Norris worked for decades in The New Yorker’s copy department, and this is both a memoir of her time there and a very funny look at language and the ways we use it.

Janna Levin, Black Hole Blues, and other Songs from Outer Space. Levin’s timing was either very terrible or really prescient! Earlier this year scientists for the first time recorded the sound of black holes colliding, confirming Einstein’s general theory of relativity. This books chronicles the search for those sounds and came out right as scientists announced that they had recorded them. (If you want to read a great lay article about the actual discovery, have a look at: http://www.scientificamerican.com/article/gravitational-waves-discovered-from-colliding-black-holes1/)

We have lots of conversations about the ways in which knowledge intersects across subject – the intersection, for example, between politics, economics and technological change. Kenneth Pomeranz and Steven Topik’s book, The World That Trade Created: Society, Culture and the World Economy, 1400 to Present Third Edition) uses trade as one way to understand the way our world has come about. Feels a bit like a textbook, but it is an easy read and every chapter is almost its own little book.

Finally, summer is a great time to pick up a page-turner and remind yourself why reading is fabulous and fun! So over the last few months my husband and I have, at our son’s recommendation, consumed James Corey’s Expanse series, from Leviathan Awakes to Nemesis Games. Obviously it helps if you like science fiction, but this does so well in creating a future world – one in which spaceships take us far beyond our home world, but the experience is dangerous, cramped, and has a big impact on the socio-economic life on Earth.

Frans de Waal is a Dutch primatologist who studies animal intelligence. His book Are We Smart Enough to Know How Smart Animals Are? is a great book for anyone interested in the science of cognition, and a wonderful read for all of us who love to read great stories about animals doing weirdly smart things on the internet.

Jilly Warner’s Recommendations, including some from her students!

In Emily Henry’s debut effort, The Love That Split the World weaves Native American folktales into this time-traveling, gripping, and beautifully-written love story.

Paper Hearts by Meg Viviott: Amid the brutality of Auschwitz during the Holocaust, a forbidden gift helps two teenage girls find hope, friendship, and the will to live in this novel in verse that’s based on a true story.

In Passenger by Alexandra Bracken, Etta, a talented teenage violinist in New York City, goes, in a matter of moments, from making her concert soloist debut to finding herself prisoner aboard a ship in the distant past. It turns out she is descended from one of a dwindling number of time-traveling families who manipulate history in an ongoing fight for power and influence. The captain of the ship, Nicholas Carter, was hired to retrieve Etta and bring her to the head of the most powerful family.

North Face by Matt Dickinson: An earthquake, a climber trapped on Everest and an epic rescue attempt.

The Tears of the Rajas by Ferdinand Mount is a sweeping history of the British in India, seen through the experiences of a single Scottish family. This was a period in which my grandparents lived in India, and I found this fascinating read both beautiful and horrific.

Joyce Reed’s Recommendations

In Revolution in Education: How a Small Band of Innovators Will Make College Accessible and Affordable, Richard A. DeMillo tells the behind-the-scenes story of the pioneering efforts to transform higher education and introduce new ways to disseminate knowledge.

Educator Salman Khan founded the Khan Academy with the aim of providing a “free, world-class education for anyone, anywhere.” In The One World Schoolhouse, he presents his radical vision for the future of education, as well as his own remarkable story.

How many introverts do you know? The real answer will probably surprise you! In Quiet: The Power of Introverts in a World That Can’t Stop Talking, author Susan Cain explores introversion through psychological research old and new, personal experiences, and even brain chemistry, in an engaging and highly-readable fashion.

In Where You Go Is Not Who You’ll Be, bestselling author and columnist Frank Bruni provides a new perspective on the flawed and competitive process of college admissions and a path out of the anxiety that it provokes.

Gail Lewis’ Recommendations

All the Light We Cannot See by Anthony Doerr: Somehow this WWII novel captures something special about the time and terror of this major world event, blending the experiences of a young, scientifically-oriented German boy and a young French girl who happens to be blind. It’s amazingly successful and well worth reading. A book that one finds oneself thinking about a lot after completing it . . . one of the markers of a great book, in my opinion. A straight-forward yet engaging read.

In his non-fiction bestseller The Big Short, Michael Lewis describes the build-up of the U.S. housing bubble during the 2000s that led to the financial crisis of 2007-2008, telling the story with dark humor.

With exclusive access to Musk, his family and friends, journalist Ashlee Vance provides the first inside look into the extraordinary life and times of Silicon Valley’s most audacious entrepreneur in Elon Musk: Tesla, SpaceX, and the Quest for a Fantastic Future.

Improv Wisdom: don’t prepare, just show up by Patricia Madsen: In an irresistible invitation to lighten up, look around, and live an unscripted life, a master of the art of improvisation explains how to adopt the attitudes and techniques used by generations of musicians and actors.

With their trademark blend of captivating storytelling and unconventional analysis, Steven Levitt and Stephen Dubner of Freakonomics fame take us inside their thought process and teach us all how to think a bit more productively, more creatively, more rationally. In Think Like A Freak, they offer a blueprint for an entirely new way to solve problems, whether your interest lies in minor lifehacks or major global reforms.

David Prutow’s Recommendations
The Overachievers: The Secret Lives of Driven Kids by Alexandra Robbins: In this engrossing anthropological study of the cult of overachieving that is prevalent in many middle- and upper-class schools, journalist Robbins follows the lives of students from a Bethesda, Md., high school as they balanced intense academic pressure, parental expectations, personal interests, social life, and their own drive to succeed.

Author and lawyer Bryan Stevenson spent decades defending the poor and disadvantaged within the U.S. criminal justice system. A memoir of sorts, Just Mercy: A story of Justice and Redemption contains stories from children, teen and adults who have been in the prison system. This is a book for anyone interested in social justice, the law, and the death penalty.

In Freedom, author Jonathan Franzen paints a wrenching, funny, and forgiving portrait of a Midwestern family. When Patty and Walter Berglund’s teenage son moves in with their conservative neighbors and their perfect life in St. Paul begins to unravel, out spill family secrets–clandestine loves, lies, compromises, and failures.

Carolyn Stewart’s Recommendations

The Rosie Project by Graeme Simsion: Full of heart and humor, Simsion’s debut novel about a fussy, socially-challenged man’s search for the perfect wife is smart, breezy, quirky, and fun. Genetics professor Don Tillman’s ordered, predictable life is thrown into chaos when love enters the equation in this immensely enjoyable novel.

In the spirit of The Guernsey Literary and Potato Peel Pie Society and The Unlikely Pilgrimage of Harold Fry, Gabrielle Zevin’s enchanting novel The Storied Life of A.J. Fikry is a love letter to the joys of books, reading and booksellers.  The protagonist, bookstore owner A.J. Fikry has seen everything he loves disappear. This novel, in its humor and sadness, shows how he rebuilds with the help of an endearing family.

In Jumpha Lahiri’s eloquent debut collection of short stories Interpreter of Maladies, the characters navigate between the Indian traditions they’ve inherited and the baffling new world, seeking love beyond the barriers of culture and generations.

As a former college rower, I really enjoyed reading The Boys in the Boat by Daniel James Brown. It’s the true story of the working-class men who formed the University of Washington’s crew team and their unlikely journey to defeat not only the elite teams of the East Coast and Great Britain, but also the German rowing team of Hitler’s Olympics.

Technology Camps in the UK

Skills in programming, engineering, design, and digital arts have become critical components of a young person’s education in the 21st century! We would like to share with you the upcoming course schedule for the Easter/April and summer holidays at Fire Tech Camp in the UK: https://www.firetechcamp.com/.

Fire Tech Camp teaches young people to create and innovate through technology. Through a variety of course offerings, children aged 9 to 17 are exposed to the inner workings of the games and tech world with hands-on experience in game and smartphone app development, coding, and robotics.

Fire Tech Camp’s flagship location is at Imperial College in London, but courses are also offered at other high-tech, quality venues across the UK, including Bristol, Cambridge, Reading, Manchester, Wycombe Abbey in Buckinghamshire, and Sedbergh School in Cumbria.

Fire Tech Camp offers fun and innovative holiday camps, weekend courses and workshops. Please share this information with your family and friends, so the word can get out about this exciting educational opportunity in the UK.

My Tips for Surviving the College Application Process

By Emily I. from Berlin, Germany
Guest Blogger and College Goals’ student of Jilly Warner

The idea of applying to colleges can seem exciting, daunting, maybe even scary, but most of all, stressful. Although it should actually only be exciting, as we begin this amazing new chapter in our lives, I feel that it is hard to get around the stressful part of applying. The only way to make it easier is to take each step of the process as it comes and just get it done. To get started early is important, in order to have enough time to dissect each step of the process and work on it thoroughly.

To me, the most important part of the application process is having motivation and excitement. You have to be excited to go to college, and to start the wonderful experience of life after high school. If you are not, it may be very hard to find motivation to write essays, look into different kinds of schools, and keep up with your studies at the same time. Motivation and excitement came easy for me, as I have always dreamed of going to college in the US.

It helped to look at the websites of individual schools, and find one thing for each school that I was completely passionate about. This also helped when comparing different choices, as I could weigh the aspects I had found amazing about one school to the highlights of another.

During the process of deciding where to apply, I began writing my Common App essay. Again, the most important things to have are motivation and passion. Choose a prompt that you are interested in and brainstorm about what information you find important to share about yourself. This will help a great deal, as it will not be a burden to write and you may even find the process enjoyable. Going over it repeatedly will get boring, so I tried to always keep in mind why I initially felt inclined to write an essay in response to that specific prompt and why I was excited about it. If you simply can’t get motivated, think about your dream school. Imagine their admissions team reading your essay and what impressions they will gather from it. You want it to stand out, right?

Once I had made my final choice of colleges, I began writing the individual essays for each school. Again, if you get a choice of prompts, choose one that you are passionate about. Many of the essays took a lot of thinking and mulling over in my mind until I was able to decide what I wanted to write about. The University of Richmond, for example, has a prompt that simply says: Spiders. I felt completely clueless about how to respond, as I felt that such a creative prompt deserved a very creative answer. I was really happy that I had started early, because I had enough time to take a week to just think about it. I tried to think about it at least once a day, and if any good ideas popped into my head, I immediately wrote them down on my phone. This is a good thing to do with any prompts that seem tricky. It is a lot easier to have a whole bunch of ideas and then weed out the good ones, instead of staring at a blank computer screen with no ideas to consider.

Once I had finished writing all the individual essays, everything else seemed like a piece of cake. The best advice I can give to anyone about to go through the process of applying to colleges is to get on it early and stay focused, and most importantly, be motivated and get excited. It is the first time for most of us to be independent from our families and to make all of our own decisions. No matter where you end up going to college, you should be excited about the unknown, and use that anticipation for a boost of energy and motivation.

Important Changes to the Financial Aid Process

For many families, one of the most stressful aspects of the college application process is filling out financial aid forms.  Recent changes to both the Free Application for Federal Student Aid (FAFSA) and CSS Profile should make the process somewhat easier starting October 2016, but if your student is a current high school senior, college freshman or college sophomore, there are some things to consider before the end of 2015.

Currently, the CSS Profile becomes available on October 1 and the FAFSA goes live on January 1. Parents must complete these online forms using prior year financial data. (So, for students beginning college in the 2016-2017 academic year, this would be 2015 data.)  This has meant that parents of college applicants have had to estimate tax income information in order to meet the financial aid application deadlines.

This autumn, changes were announced for both the FAFSA and CSS Profile.  Beginning in 2016 for aid applications for the 2017-2018 award year, families will use the prior prior year (PPY) income and tax return information, and both forms will be available on October 1, 2016.  This means that parents of students who will be in college in the fall of 2017, for example, will use their 2015 federal tax return to complete the FAFSA and CSS Profile.

This will make the financial aid application process easier for the following reasons:

  • PPY will allow students to file their FAFSA and CSS Profile much earlier and align more closely with traditional application process deadlines.
  • PPY will allow most American families to use the IRS Data Retrieval Tool within the FAFSA, thereby eliminating the need for parents to estimate income and tax information and decreasing the need for additional documentation. Information from the parents’ PPY tax return (already submitted to the IRS) would be downloaded and automatically populate the FAFSA.
  • PPY may enable families to receive notification of financial aid packages earlier, which will provide more time for students and families to assess and compare packages and determine how they will pay their Expected Family Contribution (EFC).

So why is this change important now, when it doesn’t take effect until October 2016?

Because of the timing of the change, parents with current high school seniors, college freshmen, and college sophomores will complete the FAFSA and CSS Profile using 2015 financial data TWO YEARS IN A ROW.  This means now is the time to look at your 2015 data carefully and see what steps you can take to lower your expected family contribution by reducing parental income and/or assets or deferring decisions that would inflate your income and/or assets.  Consider the timing of a bonus, distributions from your retirement plans, realization of capital gains from selling assets, and purchase of large item for which you have been accumulating funds.

Here are some articles to read for further information:

Get Ready for FAFSA

The new FAFSA process and college costs

 

Why Should I Apply to College Early?

With October upon us, it’s time to start thinking about when to apply to college! Besides regular admission, you have the options of Early Action (EA), which can be Single Choice/Restricted, and Early Decision (ED). Usually the deadline for these options is November 1 or 15, but some schools have a deadline as early as October 15. Wait, what?! That’s coming up quickly!

Make sure you check the specific requirements for all colleges to which you are applying! An Early Decision application is a binding commitment to one school. If accepted, you must attend and withdraw any other applications, and thus you won’t get to review other Financial Aid packages. It is usually possible to apply to multiple schools EA, but you can apply to only one ED.

Early Action is more flexible, as it is non-binding. This means you’re not required to enroll if accepted. You can apply to more than one college that has an Early Action application process. However, the Single Choice, or Restricted option, while non-binding, does mean that you are not allowed to apply Early Action or Early Decision to any other schools.

Applying early can be the most effective admissions strategy out there for many students. Since there’s a smaller pool of applicants, generally there are better admissions rates for early appliers, because colleges know you are seriously interested in attending that institution. It can sometimes double or triple your odds of acceptance!

It also may be the best way to “demonstrate interest” in a particular school. It’s like saying, “Marry me! I love only you!” You offer them the sparkly diamond ring, your early application, and you “promise to be true” to your commitment to that school if they accept your proposal. You certainly benefit by knowing if you have been accepted (or not!) sooner because you can plan accordingly.

It’s important to keep in mind that you should apply early only if you are as ready to present your credentials to the college in November (or, yikes, in October!) as you would be later in the fall. If you want to re-take the SAT or ACT you didn’t do so well on, or get your History grade up, you might want to forgo applying early and buy yourself some more time for improvement until the regular admissions deadline.

If you plan on applying early, you need to start all facets of your admissions process early — indeed, NOW — make sure you have lined up your recommendations and completed all required testing before the deadlines. Be ready to present yourself as a solid candidate. Above all, make sure you indeed want to attend the school to which you are applying early. Now take a deep breath, get down on one knee, break out that diamond ring, and propose!

Written by Jilly Warner

Your Common App School Report and Counselor Recommendation

Within your first two weeks back at school, be sure to set up a meeting with your high school college counselor or school administrator to discuss the School’s Report and the Counselor’s Recommendation that are part of the Common Application. Your Counselor is the person who creates your School Report, which is required by the Common Application and by most other colleges that do not use the CA. The School Report accompanies your School Transcript (your grades for the past 3 years) and, hopefully, a School Profile (brief description of your school).

Ideally, your Counselor will also write a separate, personal Counselor’s Recommendation, if s/he has time. In the best of all possible worlds, s/he will meet with your teachers and/or read your former teachers’ comments so as to gather information about you and to represent your strengths. Hopefully also, your Counselor has gotten to know you throughout your past three years at school (or two, or one!). If, however, your school counselor handles all the paperwork for more than 50 seniors (and yes, at some public schools, even good ones, the counselor load can be over 400 students, across all years!), you may be out of luck in being able to provide an actual Counselor’s Recommendation as well as the basic School Report.

This is the first year that the Counselor’s Recommendation has been separated from the School Report, and is not requested or expected by over 200 colleges and universities. Please see this excellent article by Nancy Griesemer (“Important changes to the Common App school counselor recommendation system“) so you can better understand the changes in this year’s Common Application’s School Report and Counselor’s Recommendation.

Schedule a meeting with your counselor in the first week or two of school, and do not go empty-handed! Bring along the following:

1) A resume, or a list of your extra curricular and personal activities during the past three years. School counselors, like admission officers, value humility and appreciate honesty, but they need to know what you have done and achieved outside of their classrooms, beyond their experience of you.

  • Include ways you have contributed to the school in general, or to your larger community, and significant summer activities.
  • You can mention particular skills or personal strengths, and let the recommenders know what areas of study interest you.
  • Any career goals?

2) A list of colleges to which you are considering applying (you can change it later!).

3) Note any special reasons and programs for applying to specific schools.

Ask your counselor for his or her email address. You will then enter that contact information into your Common Application in the first college on your list. Click the ‘assign’ button, and the Common App will email your counselor with the required School Report form.

International students, you need to talk with the head of school, dean, or whatever administrator will prepare the School Report for you (check out the form for this recommendation in the Common Application). If that person knows you personally or is willing to talk with teachers about your contribution to the school, then do request a Counselor’s Recommendation, also.  This ‘counselor’/ administrator is a vital team member who needs to be brought up to date with your college planning ideas, testing plan and scores. It’s important to have a very good relationship with your counselor so that person can represent you to best advantage. The School Report is very significant, and a Counselor’s Recommendation can be the most important Recommendation you’ll receive!

Written by Joyce Reed

(c) College Goals LLC 2015

Things to do NOW to Prepare for the Upcoming College Financial Aid Process

what you can do now to prepare for the financial aid application processAs you are excitedly exploring college websites and imagining yourselves as incoming freshmen next year on the campuses of your choice, many of you (and your parents!) are probably also concerned about the rising cost of college attendance.

There are two options that can help families in facing the cost of college – merit scholarship aid and need-based financial aid. Students/families should consider applying for both. Merit scholarships are awarded to students based on their talents and not on financial need. These talents may include athletics, academics, musical skills or commitment to service. Merit-based money is a measure of how much a college would like a student to attend and is unaffected by the wealth or the need of the student’s family. Many of the most selective private colleges, however, do not award any merit-based aid. Need-based aid is based on a calculation of a family’s demonstrated need. In other words, the cost of attending a college minus the estimated contribution a family can make to cover that cost (EFC) = demonstrated need.

If you think you will need financial assistance in order to attend the college of your choice, there are things you and your parents should do now to prepare for the process of applying for financial aid.

  1. Start gathering and organizing your financial documents and tax information now. Based on my experience applying for aid, I would suggest that parents print out the Federal Form 1040 or 1040EZ (whichever they will ultimately complete) and begin filling it in now, making estimates for the year based on finances to dat and/or your previous year’s taxes. This will help you use the Net Price Calculators described below and complete the FAFSA and CSS Profile in a timely manner.
  1. All colleges and universities are required to put a Net Price Calculator on their websites to help families calculate their estimated family contribution (EFC), given the specific costs of that institution. You can also find a general net price calculator on the College Board’s website at http://netpricecalculator.collegeboard.org/.
  1. The Free Application for Federal Student Aid (FAFSA) is the online application you will use to apply for the federal student aid programs offered by the U.S. Department of Education. It is used by colleges and universities to distribute need-based financial aid. It is also used by many institutions to award scholarships and merit-based aid. It is important to complete the FAFSA even if you don’t think you will qualify for financial aid! 

    Complete the FAFSA as soon as possible after January 1, even if you have not yet submitted your tax return. This should be relatively straightforward if you have completed an estimated Form 1040. You can download instructions, worksheets and other information about completing the FAFSA at https://studentaid.ed.gov/sa/resources#complete.

  1. Check to see if the institutions on your list require the CSS Profile, in addition to the FAFSA. There are about 200 colleges (mostly highly-selective private colleges) that use this form, which is longer and more complex than the FAFSA. We recommend printing out the CSS Profile worksheet (accessible once you establish a CSS Profile account) and filling it in by hand, before transferring the data to the online application. The CSS Profile is available starting October 1. Again, if you have prepared an estimated Form 1040 early, it will make completing this online application much easier. If your student is applying Early Decision (ED) to one of the institutions requiring the CSS Profile, you will need to prepare the CSS Profile shortly after the ED application has been submitted.
  1. If you think you will need assistance with FAFSA or CSS Profile preparation, contact a financial aid expert EARLY, preferably in the Fall and definitely not last minute! We highly recommend Paula Bishop, a CPA and college financial aid advisor – www.paulabishop.com.
  1. Start exploring scholarship opportunities, both locally and nationally. These are sources of funding that are not administered by colleges but rather by other private organizations, each with its own application process and eligibility criteria. Families should not pay for any of these, nor pay anyone to search them out! Check out this website: http://www.college-scholarships.com/free-scholarship-searches/. Before you spend lots of time applying for scholarships, check with the colleges on your list. Many schools will deduct your scholarships from your awarded financial aid package.

This process can feel overwhelming….. I know, because I have completed the process for both my children! But by starting the process now, getting organized, and having a frank discussion with your family about expectations and financial realities, you will be ready to complete all the relevant forms when the time comes. And, when you have completed the paperwork, reward yourself for your accomplishment!

Written by Carolyn Stewart

(c) College Goals LLC 2015

Making the Most of a College Fair

Making the Most of a College Fair

Attending a college fair is a great way to connect with schools you are interested in and make a positive first impression on their representatives. However, there are some important things to keep in mind in order to make the most effective use of your time.

Be prepared! Register for the event ahead of time and make a list of the participating colleges you want to speak with. Make sure they have the major you are interested in! Show up promptly when the fair begins, to allow yourself enough time to visit all the booths of interest.

Ask good questions. Have a few (3 to 5) questions ready to ask each school. Make sure you are not asking generic questions that could easily be answered by looking at the school’s website. This is an excellent opportunity to learn about how colleges support their students and what the general culture of the school is. Ask about your chosen major, and if you are undecided, ask how they advise and help undecided students.

Describe yourself. Have a brief (one minute maximum) ‘speech’ prepared that includes a summary of your interests, goals, qualifications, and what you can bring to a particular school. This is a great way to introduce yourself to the representative and demonstrate your interest.

An informational sticker label or postcard can be very helpful. Consider creating large stickers or cards with your name, mailing address, date of birth, phone number, current school, expected graduation date, e-mail address, area of academic interest, and expected college start date. These can be handed to the representative or attached to their information sheet, saving you the time and energy it would take to hand write everything at each separate booth.

Form a route. When you arrive, get a map of the fair and mark all the schools you are interested in. Start at the ones with the shorter lines. Do not attempt to go to every booth, row by row!

Don’t forget your supplies. Bring a sturdy backpack to carry brochures and informational materials, pens, and a blank notebook. A snack and a bottle of water might be nice to have, too.

Take notes. If anything important or memorable stands out, write it down immediately after your visit, before you head to the next booth. There may be some details you could use in your college essays!

Be open to other options. If there are long lines for the schools you planned on checking out, why not stop by one you weren’t considering? You may be pleasantly surprised!

Appearances matter. Dress appropriately, approach college representatives with confidence and a smile, and be sure to make eye contact when speaking. Greet them with a firm handshake. Be mindful of the amount of time you spend conversing, especially when there is a line of students behind you. This is your chance to make a positive and memorable, although brief, impression.

Follow up. Get a business card from each representative, and send him or her an e-mail or thank you card after the fair if you are still interested in applying to his or her school.

After the fair, discuss it with your family. The most important thing you can do after attending a college fair is to debrief. Talk about what sounded good, or bad, about the schools you chose to visit with. Use this information to refine your college search criteria.

Arrive prepared, ask the right questions, make a good impression on the college representatives, and review the results afterwards. If you can accomplish all of these things, you will certainly be making the most of any college fair you choose to attend!

By Jilly Warner

See our lists of Fall 2015 College Fairs and Group Tours
International College Fairs and Group Tours
US College Fairs and Group Tours

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