Get Prepared for College Life With These Summer Activities

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While it may feel like a time to celebrate your accomplishments (and you should), the summer before starting college can have a huge impact on your success as you move forward. Rather than be a potential victim of summer melt, take the time to do these activities to help you arrive at college motivated, excited and prepared.

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Sign Up for and Attend Orientation

Many colleges have mandatory orientations for incoming students. But even if your school doesn’t require it, try your best to attend anyway. This is especially important if you haven’t been able to visit the college beforehand. You’ll get a chance to see where things are on campus, check out the dorms and eating facilities, and scope out the local amenities. There will likely be special sessions where you can meet faculty, register for classes, get your student ID, and purchase a parking decal.

You may get an invitation to orientation or your college may leave it up to you to register, so be sure to check their website for a schedule. And if possible, bring your parents along. Orientation can be a little overwhelming and it’s nice to have the support. Your parents can also get answers to some of the questions they have, get a feel for where you’ll be spending your time, and possibly have an easier transition when it’s time to let you go.

Find (and Get to Know) Your Roommate

Since many colleges require incoming freshmen to live in dorms, chances are high you’re going to have a roommate and it’s likely the first time you’ll be sharing your living space with someone outside your family. Some colleges use an online roommate finder to try to match you up with someone that shares similar interests, schedules, or study habits. Some colleges host a roommate fair where you can look for a roommate yourself.

Take the time to find out what you’ll need to do and do it as early as possible. Typically, you can start looking as soon as you’ve committed and paid a housing deposit. And if you can find out who your roommate will be early, go ahead and start getting to know them before you get there in the Fall. Communicate via email or text, or friend them on whatever social media they’re using.

Fortunately, living in a dorm lets you avoid some of the hassles you can encounter when living with a roommate. You won’t have to worry about having a roommate who doesn’t pay their rent, for example. The school will take care of that. Still, living with someone can be challenging, so take the time to learn how to spot a terrible roommate before moving in with them and read up on some other good ways to avoid roommate tension.

Register for Fall Classes as Early as Possible

Registering for college classes might start before you even graduate high school. Some college offer early online registration sometime during May. For others, you might have to wait for orientation or, depending on your major, for a meeting with a freshman advisor. You’ll need to check to see how soon you can register for classes. Take a look at the college’s website or call your admissions counselor. That’s what they’re there for.

As soon as you find out when you can register, go ahead and do it. There are couple of advantages to registering early:

  • Classes fill up. While you’re pretty well-assured of getting into your basic required freshman classes, popular electives fill up fast. Registering early means a better chance of getting in.
  • There may be summer reading. Some classes have required reading lists for the summer. Why not go ahead and get started now, since the summer’s just going to get busier.

If you’re having trouble picking classes, or if you haven’t chosen a major yet, read through the course descriptions and get in touch with an advisor who can help you out. If possible, talk to a professor or students in your department of study and see what they recommend. When you choose classes, try to choose a balanced load if you can. Create a weekly schedule that works well for you, consider getting some requirements out of the way, and try to strike a balance between the types of classes you take. It’s not fun getting stuck writing half a dozen papers or getting stuck working out multiple problem sets every night.

Now that you’ve registered for classes, you can start looking at the textbooks you’ll need. It’s possible some professors won’t have decided on a book yet or that some specialty books may not be available early. But for most classes, especially core classes, you shouldn’t have any trouble.

When it comes to buying your textbooks, you have a few choices: buy them new, buy them used, or rent them. Unless there’s no other option, skip buying new books in favor of buying used or renting. Be sure to check out our complete guide to getting cheap textbooks and our readers’ five favorite sites to buy textbooks cheaply. There are even apps out there to help you compare costs.

Spend Some Time with Family and Friends

This summer may be the last time you can get all your current friends together at once, so take the time to build some memories. Throw a party, take a road trip, or if you’re looking for something a bit cheaper, go camping. Just do it early in the summer, because some people may leave for college or jobs earlier than others. And be sure to get any new contact information (like college email and physical addresses) they have so you can keep in touch.

You’re excited to get out on your own, so it can be easy to forget that while your parents are also excited for you, a major phase of their life is ending. And believe it or not, you’re going to miss them when you’re no longer seeing them every day. Get them involved in your plans. If you have younger siblings, don’t forget to show them some love, too. Their lives are also about to change. And there’s one last person to take care of: yourself. You will likely find yourself without nearly as much alone time as you’re used to. Take the time to do some things on your own, even if it’s just binge watching your favorite shows.

Learn Some Life Skills

There are a number of good skills to learn before striking out on your own. We’ve covered a lot of them in the past. Two of the most important skills you can learn this Summer include:

  • Finances. Hopefully, you’ve already got your own checking and savings account at this point and have had some practice using them. If not, sign up now and learn how to use them. Look for a bank that has a presence at your school or at least has in-network ATMs available when you need them. Take time to get a head start on your finances and avoid some dumb mistakes.
  • Laundry. Lots of kids have never really done laundry or any other real cleaning by the time they leave for college. If that describes you, spend some time this summer learning how to do laundry like a boss. Learn how to decipher laundry tags and maybe even download an app to help you out. It’s not too hard and you can practice while you’re cleaning out your closet and getting packed up for the move.

If you take care of all this, you’ll be well on your way to a more organized and enjoyable Fall semester. Depending on your situation, there may be a few other odds and ends you’ll want to take care of, like making an appointment with your doctor, cleaning up your social media sites, and changing your mailing address. But most of all, enjoy yourself!

Knowing How to Avoid Summer Melt Can Help Meet Your Academic Goals

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For many, summer vacation is the reward for a year of hard work and dedication in the classroom. But for those moving from high school to college, the months between graduation and arriving on campus can be fraught with challenges and distractions that can lead to students not completing their college goals.

“Summer melt” is the name given to those students who, for whatever reason, apply to a college, accept admission, but never arrive after high school graduation. There are many factors that can drive a student toward summer melt. Being aware of a few of those, and taking the steps to stay focused on the college path, can help make sure that the only thing that melts this summer is your ice cream!

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Keep in touch with Counselors and Reach out to College Advisers

School counselors are there to help when challenges arise. Before graduation, students should ask high school counselors what resources are available to them in the summer. Need a helpful boost or reminder of why it’s important to get to college? Give your counselor a call!

Colleges are also looking to help students stay on track during the summer transition, many schools can reach out to students by text and email to make sure that the important dates during the summer transition aren’t missed.

Find a Mentor

It’s always easier to tackle a new challenge if you’ve spoken to someone who’s been through it. Community groups, schools and other non-profits offer mentors who can talk to students about the transition to college. But it can be as easy as talking to anyone you know who’s either in or graduated from college. Don’t be afraid to bring up your concerns about the transition when talking to a mentor. These relationships can last beyond the transition to freshman year and can offer a resource for support both in school and down the road. To hear some advice from first-generation students about making the move to college, check out our video “What I Wish Someone Had Told Me.”

Visit the College Website

Your school’s website is a great resource to answer questions you might have before starting school. Everything from student life, financial issues, academics, organizations and more can be found on a school’s website. Take some time to review the website, even before your student orientation. You’ll have a level of expertise that will make the transition to college that much easier.

Look into Placement Testing Before Orientation

Most schools have some sort of placement testing for incoming first-year students. These tests help gauge where students are in math, reading, and writing skills and makes sure students are taking the courses appropriate for their level of understanding in each subject. Some colleges will offer these tests at orientation, others require students to do them online or on-campus before fall semester starts. Students should make sure to contact the college to know when they need to take the tests.

Check College Health Insurance Plans

Many colleges have health insurance plans for students. Students should check their college’s requirements early to see whether it is affordable. Sometimes, colleges will automatically enroll students in the college’s health care plan. If a student already has qualifying insurance, they can usually apply for a waiver. To learn more about transitioning healthcare for students after high school, read the healthcare guide.

Take the time to emotionally prepare

No matter how much you prepare, college is a big change for many people. Whether you’re travelling far away or staying close to home, college is a major step into adulthood, complete with personal responsibilities that may not have been part of your high school routine. The stress of that change can have negative effects, with many freshmen citing it as a reason for dropping out during their freshman year.

If you’re leaving home, take the time to get you (and your family) used to the idea of you not being there every day. And if you’re staying closer to home, start identifying the people you can lean on in times of stress or the ways that you can deal with the pressures of school in a positive way.

Believe in Yourself

The best support students can find to stay on path to college is themselves. Remember: You’ve done the hard part and gained acceptance to college. Your dream of an education, as well as the career and life that comes with it is in your reach. But you can’t get your degree if you don’t show up.

For more tips and advice for planning for, getting to and succeeding in college, check out Iowa College Aid’s Your Course to College.

Taking the Steps to a Successful Summer Transition to College

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Once your high school diploma is in hand, it’s time to turn your focus toward starting college in the fall. Take these steps over the summer:

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Make a Budget

Review your Award Letter and pay close attention to the Cost of Attendance, which includes tuition, school fees and room and board. Depending on the school, your award letter might or might not include books, supplies, travel and personal expenses. If these costs aren’t included, be sure to account for them.

Make a Payment Timeline

When is your deposit (your official decision of where you’ll attend school) due? Your first tuition payment? Housing deposit? If you need to, make a calendar to keep track.

Request a Final Transcript

Your college might require a final official transcript to ensure that you have graduated. Request one through your high school.

Register For and Attend Orientation

Orientation allows you to meet your classmates and learn about support services on campus. At some schools, orientation is required. Even if it’s not, you’ll get a smoother start if you attend. Some schools offer orientation for parents as well.

Get Required Immunizations

Your school will probably send you a list of required vaccinations. Among the most common are vaccines for meningitis, tetanus/diphtheria/pertussis and HPV. If necessary, visit your family doctor or local clinic for vaccinations.

Complete housing forms

If you plan to live on campus, make sure you know the deadline for filling out all the required housing forms and applications.

Register for Classes

If you know your major, start taking basic courses in that department. If you’re not sure of a major, try out some subjects that interest you, but remember to include core courses like math and composition, too. Try to spread out your classes so no one day of the week is too jam-packed. If you plan to work part-time, ask your advisor for help creating a schedule that balances employment and academics.

Arrange Transportation

If you’re driving to school, think about whether you might need multiple trips to accommodate all your belongings. If you’re not going to keep a car on campus, you’ll need to arrange for someone to drive you.
For more tips and advice for planning for, getting to and succeeding in college, check out Iowa College Aid’s Your Course to College.

 

Career-Based Loan Forgiveness Programs Can Help With Student Debt

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For most students graduating from college, financial aid debt is reality that can impact everything from buying a house to starting a family. Fortunately, there are a number of loan repayment and forgiveness programs that help those graduates in certain fields help pay down their student loan debt in return for their work.

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Programs are available on both the federal level and in the state of Iowa for those in the education, public service, healthcare and legal professions. However, the qualifications for these programs are often specific or require that the employee work in a specific geographical or subject area in order to obtain the award. Here are some loan forgiveness and repayment programs open to Iowa graduates:

Education

  • The Teach Iowa Scholar (TIS) Program provides qualified Iowa teachers with awards of up to $4,000 a year, for a maximum of five years, for teaching in Iowa schools in designated shortage areas. Qualified teachers are those currently teaching in designated shortage areas who meet all eligibility criteria. Find out more here.
  • The federal Teacher Loan Forgiveness Program offers forgiveness of a combined total of $17,500 from direct subsidized and unsubsidized loans in return for teaching full-time for five complete and consecutive academic years in certain elementary and secondary schools and educational service agencies that serve low-income families. Criteria and details can be found here.

Healthcare

  • The Iowa Registered Nurse & Nurse Educator Loan Forgiveness Program offers qualified applicants an annual award of up to 20% of  their total eligible federal student loan balance. Applicants must be registered nurses employed in Iowa or nurse educators teaching at eligible Iowa colleges and universities. Details here.
  • The NURSE Corps Loan Repayment Program is a national program that supports registered nurses (RNs), advanced practice registered nurses (APRNs), and nurse faculty by paying up to 85% of their unpaid nursing education debt. Qualification criteria and details here

Public Service

  • The John R. Justice Student Loan Repayment Program is federally-funded program provides loan repayment awards to public prosecutors and defenders employed in the state of Iowa who agree to remain in their positions for 3 years. Details here.
  • The Public Service Loan Forgiveness (PSLF) Program forgives the remaining balance on Direct Loans after making 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying government or non-profit organization. Details and qualifying employer types can be found here.

Attorneys

  • Lawyers working with the federal Department of Justice can have up to $6,000 of student debt forgiven per year as part of the agency’s Attorney Student Loan Repayment Program. Details and qualifying criteria can be found here.

 

Researching Companies, Services Can Save Money During Loan Consolidation

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Planning how to pay college debt can be difficult. It can be even worse when companies that might otherwise seem helpful are actually preying on those in need. Loan “rescue” or “consolidation” plans are one such instance where researching a company can make the difference between getting a helping hand or being placed in a worse situation.

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While loan consolidation can lower student loan borrowers’ monthly payments, reduce interest rates or resolve other repayment issues, many of the services these companies charge a fee for can be done for free by borrowers if they contact their student loan service provider directly. To find your loan servicer for federal student loans, visit the National Student Loan Data System. Other companies offer these services in an attempt to steal consumer identities and money. The biggest red flag is if the company is making a promise that sounds too good to be true.

Some of the scams highlighted in the advisory include:

  • Law offices or attorneys that charge fees ($300-$600) to file paperwork for borrowers that could be filed for free by the borrower if they contact the loan service provider directly.
  • Companies that require access to the borrower’s bank account under the false pretense of using it to automatically deduct payments and steal money from the account. Also, any personal identification information, such as Social Security Numbers are used to steal the borrower’s identity or sold off to other scammers.
  • Long-term scams in which the company charges consumers a service fee, down payments and collects a couple of monthly payments they claim are
    going towards the borrower’s loan. The money is never applied towards the student loan and the borrowers face late fees and penalties from payments they didn’t know they were missing.

Do not fall prey to these scams. Some of these student loan companies will have professional looking websites and may claim to be associated with a government agency or that they are working for the U.S. Department of Education. If you feel you may have already fallen victim to one of these scams, file a complaint with the Attorney General’s Consumer Protection Division.

Being Smart About Credit This Summer Will Save Money, Make Habits In College

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Summertime means freedom for students as they move into their final years of high school, prepare for college or embark for life after school. While the future stands open before them, these first steps can also be vital in establishing long-term financial health. Establishing a credit history provides benefits for future investments (house or car purchases). For that reason it’s important to use credit wisely so that students avoid creating negative credit histories that can make financial life even more difficult down the road.

New regulations have placed restrictions on access to credit cards by those younger than 21 and also put some limits on credit card marketing on campus. Nonetheless, students are still signing up for credit cards and using them. Often college freshmen are enticed into signing up for a card as they make the adjustment to social, and financial, life on campus. Here are some tips to bear in mind for high school or college students using credit cards.

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Credit cards shouldn’t replace budgeting

There’s a reason so many people say “With freedom comes responsibility.” The first years out of high school offer many opportunities to make independent choices, often where money is concerned. But poor spending habits can cause long-term problems. It is all too common for students to exhaust all the funds allocated to them for the semester way before the semester ends because they fail to budget properly. Others have a reckless disregard for managing their money and spend like money grows on trees. By establishing a budget and looking for ways to save on everything from textbooks to groceries, students will learn how to stretch their dollars and not have to fall back on credit cards to make up for the difference.

Don’t fall in the minimum-payment trap

Those students who do use their credit card will often make minimum payments while continuing to spend with their credit card. Paying the minimum amount due might keep the amount from being past due, but students will end spending far because of interest applied to the balance each month, sometimes meaning that a credit card bill could take years to pay off. Read the information on monthly credit card statements to find out how long it would take to pay off the balance only paying the minimum amount due. It might shock students enough to adjust their approach to repayment.

Credit cards aren’t emergency loans

Many people get credit cards for use in “emergencies,” but a fashion emergency might not constitute the same need as a car crash. Being able to weigh the difference between “wants” and “needs” makes a big difference in creating a monthly budget. Placing restrictions on when and how to use credit cards within that balance makes students savvy about their credit

Don’t make credit cards an ATM

It may not seem like such a bad idea to use a cash advance from a credit card if things get a little tight. But cash advances come with a standard fee of as much as $35 or 3 percent to 5 percent of the total amount. Also, they often have higher interest rates than your card, and the interest starts accruing immediately, leaving you without a grace period to pay off the balance.

In the end, financial responsibility is a valuable part of freedom for students in high school or after. Few things can impact future finances than a poor credit score and burdensome credit card debt. Take the time to think about the long-term effects of using credit cards. Then make (and stick) to a plan for using them properly.

Get the Truth About These 4 Loan Repayment Myths

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For students graduating from colleges all over the country this month, the thrill of earning a diploma is often being offset by fears of dealing with student loan repayment. While loan repayment is inevitable, many new grads will start on the wrong foot because of assumptions about their student loan responsibilities and ways to pay back their debt.

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Here are four common myths that can be easily avoided to prevent students starting down the wrong path. It’s good advice for not just recent grads, but current students and those considering the impact of student loan debt on their educational plans:

If I need help understanding or dealing with student loans, my former college or university won’t help me. Even though a student may have graduated from a school, their financial aid office is still a great resource to help explain loan repayment options and connect students with loan servicers. Financial aid offices have a vested interest in helping students understand and stay on track with their loan repayment, as high default rates can negatively impact a school. So if a student starts to get confused by paperwork, the financial aid department is a great place to start..

I’ll never pay off my loans. Those first payments after graduation may feel a bit overwhelming, and will likely be a large part of any budget as a student gets started in their career. Salary increases, paying extra when budget allows and plain old perseverance will lead to progress. Income-based plans and automatic payments are just two options to “set and forget” loan repayment as a part of monthly budgeting.

Consolidating my student loans into one loan is a good idea. Loan consolidation may offer convenience, but often students will find themselves in situations which either are not eligible for consolidation or can actually negatively impact their repayment. Loan servicers will already use a combined billing for students with Federal loans so that the students have one payment to make and federal loans can’t be combined with private loans in a federal direct consolidation loan. In some cases, consolidating Perkins Loans can lead to students losing repayment benefits that the loan provides.

Filing for bankruptcy means not having to repay student loans. While Chapter 7 or Chapter 13 bankruptcy does help protect against some loans, most borrowers will not be able to discharge their student loans unless it can be proven that the loan repayment will cause an undue financial hardship. Rather than negatively impact a credit record with a bankruptcy, students should consider finding more flexible payment plans that best meet their needs during repayment.