College Life

Get Prepared for College Life With These Summer Activities

Posted on

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.

48229680_student_college

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

Posted on

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!

17981485_Student_College

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.

Use Summer to Your Advantage to Save on College Costs

Posted on

The snow coats are finally put away in place of the short-sleeve shirts. Spring is here, with summer right behind. For high school seniors, the end of years of hard work are within your grasp with the goal of a college education just beyond it. But rather than coasting to the finish line, students looking to save money and hit the ground running once they get to college will find the next few months important.

repaye

“Summer melt” is the term used in higher education to describe students that intend to go to college after high school graduation, but never make it to college in the fall. Their college plans have dripped away like an ice cream cone in the July heat. Here are some tips to stay on track and keep those college plans firm this summer, and even saving a few dollars once you get there:

  1. Don’t fall victim to “senioritis.” The end of high school is certainly in reach, but that doesn’t mean students should take their foot off the pedal when it comes to school. Completing AP or dual enrollment courses in high school can reduce the number of credits that need to be taken in college. Think of it as getting free classes that would otherwise be part of tuition costs.
  2. Plan ahead to avoid changing majors. It’s not out of the ordinary for students to get to college not knowing exactly what they want to do. But changing majors, even once, can add a year or more to a student’s time in college. Use this summer to explore areas of career interest as a volunteer or intern to get a taste of what the day-to-day life in a particular job will be like. It might lead to reconsidering a college major before too much time and money is committed.
  3. Consider summer courses. Just like taking the AP, any courses that can be taken before college will help later. General education, or underclass, units can be taken at local community colleges, often with smaller class sizes and for less money than when a student gets to a college or university. Math is math, no matter where you take it. Why not get a head start now?
  4. Take a part-time job. Working during college can help reduce the amount of money that needs to be borrowed, in addition to providing valuable job experience. Use the summer to help build a nest egg for college expenses.
  5. Research textbook and supply rentals. Course books can be one of the biggest expenses for students once they get to college. While many colleges allow students to rent textbooks instead of buying them, online sites such as chegg.com, eFollett.com, textbooks.com and others can provide other options and the opportunity to compare prices. Getting to know the options ahead of time in school can lead to saving hundreds of dollars come fall.

Avoid Getting Stressed Out Over College Decision With These Tips

Posted on

After years of hard work and months of waiting, students are starting to receive acceptance letters from colleges. Those students accepted into more than one college might face some difficult decisions to make when weighing the pros and cons of one school against another.

Three students studying and learning in a coffee shop

“College  fit” means finding the school that best meets at student’s needs for the future, but there is no such thing as a “perfect school.” Students shouldn’t stress themselves out thinking that if they pick the wrong school, their life will be ruined. After all, college is what you make of it. But with a little research and effort, students and families can feel more secure about the school they pick. Here are some tips :

Compare financial aid awards

While cost shouldn’t be the only thing considered when deciding between schools, the financial aid offered can go a long way to giving one school an edge over another. The financial aid award letter often comes after the acceptance letter, and has many things to consider when reviewing. Check out our videos on comparing financial aid award letters for more tips (here and here).

Dig deeper with schools

Students already researched schools before applying, but now is a chance to get more detailed information to get a more complete picture of what a school offers, not only in education, but day-to-day life. Such questions can include:

  • What is the graduation rate? How many students return after their freshman year?
  • Are there work or volunteer opportunities that reflect a student’s major or interests?
  • What do students do for fun?
  • What student support services does the school offer?

Students can talk to college admissions counselors, current students, recent grads or even the college’s official website to research these and other subjects. It’s important to use only trustworthy sources of information and to recognize the difference between fact and opinion. A college’s official website and its admission officers are often the best sources of factual information about that college.

Visit — or revisit — the campuses

Now that a student has been accepted to a school, a college visit becomes even more important. Even if a family has taken a campus visit previously, going back with a more focused approach will help students see if they truly see themselves as a student at that school. Can’t visit a campus? Call or email the admission office with questions, reach out to professors in your areas of interest or ask to connect current students and recent graduates. High school counselors and teachers may also be a good source to recent grads or current students.

Think about it

Research and asking questions can provide the information that students need to make a decision, but asking and answering the important questions can only be done by a student with their family. How did the student feel during their campus visit? Did the school offer both the academic and social aspects that will lead to success? Will they be happy there? These basic questions might lead to some further reflection about each school.

Make your decision

The good news is that schools don’t need to hear back immediately. Many colleges don’t expect a final decision until May 1, so students and families have some time to make up their mind. Lay out the pros and cons and find the school that fits best with financial, academic and career goals. Remember, though, that colleges are serious about reply deadlines. Not sending a deposit by the deadline can lose a student’s place in the incoming class.

A Good Plan for College Helps Keep Loan Debt Low

Posted on

While the national conversation around the importance of continuing education past high school gains much attention, so to does the issues surrounding paying for it. Regardless of politics, the fact remains that paying for college stands as one of the biggest challenges for students and their families.

Getting a head-start on putting together a financial plan is always a good idea for any prospective student. Here are some tips for families to consider now to ensure that they limit the amount of student loan debt accrued while still in school:

Borrow only the amount you need

Many borrowers make the mistake of taking out more loans than necessary. To avoid doing this, create a budget to determine how much loan money will be needed and avoid using loan money to pay for unnecessary expenses, such as trips to the movie theater or expensive dinners.

Consider a part-time job

If a student’s academic schedule allows, they should consider finding a part-time job on campus to help supplement the cost of unexpected expenses. Be sure to check with the financial aid office to see if students qualify for work study, which gives the opportunity to work on campus.

Compare award letters

Once a student receives their financial aid award letter, compare loan offers by reading the fine print. If federal loans are not enough to cover the cost of education and a student is considering private loan offers, be sure to shop around for the best interest rates and repayment options.

Take college credit while in high school

Taking AP, dual credit or college credit courses while in high school can give students a head start on achieving your intended major. Find out the general education requirements at the college a student plans to attend and take courses that will fulfill those requirements. Doing this can help students graduate from college early, which means borrowing less in student loans.

Consider paying loan interest while still in school

Students who start making interest payments on their student loans while still in college will reduce the total amount they have to repay after graduation. Interest payments are usually manageable. By paying off interest as they go, students can  keep outstanding interest from capitalizing on any balances. Allowing interest to capitalize increases loan balances essentially requiring students to pay interest on the interest that has been accrued!

Apply for scholarships

Scholarships can pay for portions or all of a student’s education during an academic year. But students can’t earn scholarships if they don’t apply! Find scholarships specific to a school or department by talking to a representative from the school’s financial aid office or department chair. In addition, the following sites are just a few places to check for scholarships:

Choose a school that fits into the family budget

Review the financial aid packages from the colleges where students applied and consider how much needs to be borrowed in order to attend each. Keep the goal in mind and select a college where loan debt can be kept at a reasonable level against future income potential.

Get more tips in Iowa College Aid’s “Path to College.”

Destroying These Myths About Student Loans Will Help Students Planning For College

Posted on

For many students going to college, private student loans will be an inevitable fact of life. Private loans should be used to fill in the gaps that college savings, grants and other scholarships don’t cover in a student’s final aid plan. As a result, many students leave college with a nagging fear of the loan repayments that await.

Rather than start on the wrong foot when it comes to loans, students can get a healthy perspective of both their responsibilities and ways to more quickly get on top of their debt with these tips that destroy the common myths about student loans:

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.

Man looking at monthly statement glad to pay off bills

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.

Get more tips and advice to help in your college planning with Iowa College Aid’s “The Path to College.”

 

Understand The True Cost of College Attendance by Decoding Award Letters

Posted on

They’ve waited. They’ve watched the mail for weeks. Finally, the letter arrived: Students are getting notice that they’ve been accepted to the school of their dreams! But after the moment of excitement and congratulations wears off , the realization sets in: it’s going to cost money to go to school.

Even if a family has prepared for years, saving money, investing in 529 plans and being on top of completing their student’s FAFSA, now is a crucial time to pay attention to information from schools and have a clear understanding of the financial aid award letter.

60890118_Object_Planning

 

Financial aid award letters are sent to students in the weeks after receiving their acceptance letter to a school and reflects the cost of attendance as well as the financial options available to families to help pay for their student’s education. As the letters state, a student’s place in the schools incoming class cannot be reserved until a deposit is received based on the financial award letter. But families should take the time to understand their award letter before submitting any form of deposit, as these deposits are not refundable if a student decides not to attend a particular school.

Currently, there is no standard format for schools to report the financial aid being offered to a student. So families should use these tips to better understand what is being offered and make a smart comparison between what different schools will cost. The school with the lowest tuition fees might not always be the best financial choice thanks to financial aid awards. Knowing how to read the financial aid award letter can make all the difference.

  1. Find “free money”
    Many schools offer students institutional scholarships or grants. These types of funding can be seen as “free money” because students and families don’t have to repay this money after graduation. Make sure to look for words such as “scholarship” or “grant” in the name of the financial award. These awards are often given to students based on the information in the Student Aid Report created when completing the FAFSA, based on income or family responsibility. Families may miss these awards because they do not technically apply for them separately.
  1. Consider loans and work study options separately
    To help show families how they can meet the cost of attendance at their school, award letters will also include options that require repayable loans or other options that require further action by the student, such as work study programs. Since there is no standard format for separating these options from other “free money,” families need to recognize that any loans taken out, be they private or federal Stafford loans, will require repayment by either the student or parent (depending on the loan) after graduation. This is not funds being offered by the school, but money that will require repayment.
  1. Know the difference between “direct” and “indirect” costs.
    Attending college features a variety of costs, but not all of them will necessarily be covered the financial aid offered in the award letter. The “cost of attendance” on a financial aid award letter applies to direct school costs, such as tuition, room and board. Indirect costs, such as books for classes or travel to and from school are not considered in an award letter. These costs are those that the student and family will have to bear personally.
  1. Determine if awards are for one year or more.
    Many families fall into the trap of thinking that the financial award letter reflects the costs and awards for all four years of school when, in reality, the letter reflects the cost for one year of school. While many of the loans listed on an award letter will be available to students each year, many of the grants or scholarships listed may require a new application each year or, in some cases, are only available for one year. Determining which of these awards are renewable, or the length of the award, can help families avoid an unpleasant surprise.
  1. Make sure the award letter is final.
    In some cases, an award letter might not reflect the final amount of aid being offered to a student. If any section of the letter uses words such as “estimated,” “tentative” or “pending,” the school may not have all the information from a student’s FAFSA or other document needed to make a final determination of aid. Once this information is provided, it may have an impact on the amount of aid that the student is finally offered.

Understanding the financial award letter that students receive can lead to some difficult decisions about where a student should go to school. By making the best effort to compare award letters from all schools that have accepted a student, families can make an informed choice of which school fits best with a student’s goals while creating a financial plan that will avoid any bad surprises or unexpected debt down the road.