Education

Avoid Getting Stressed Out Over College Decision With These Tips

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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.

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“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.

Video: Identify, Separate Loans From Grants on Award Letters to Better Understand Out-Of-Pocket Costs

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Getting accepted into college is an exciting moment for students and families who are ready to embark on the next part of their educational journey, but can often be offset by concerns about just how much school will cost both now and after graduation.

Financial aid award letters help students and families get a better understanding of what to expect both in terms of money being provided by the school and state, through scholarships and grants, and costs of attendance (COA) at the school.

Award Letters Part 2

In part two of our “Understanding Your Financial Aid Award Letter” video series, we discuss how to best identify repayable financial aid options and separate them from scholarships and grants to get a better picture of the actual financial responsibility that will be required to attend a school.

More often than not, there is a gap between the “free” money being offered to a student and the COA, leaving families to determine the best way to meet the financial requirements.

On many letters, both federal and private loans are included as possible options to bridge that gap. However, as there is currently no standard format for schools to consistently show financial aid options, loan amounts are often included in the same area as scholarships or grants. At a quick glance, families might not realize that loans, which must be repaid after graduation, are being included with the “free” money of grants and scholarships.

For more tips, advice and information for preparing for college, check out Iowa College Aid’s “Your Course to College,” a free downloadable guide for students, families and schools available at https://www.iowacollegeaid.gov/YourCourse

Better Understand Your Financial Aid Award Letter With This Video

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Getting accepted to the college or university of their dreams is the culmination of a years-long effort. But receiving an acceptance letter isn’t the end of the journey, just the start of the next one.

For many families, the excitement of being accepted into a school is often soon replaced by concerns of how to pay for that education. Even those families who have put together a strong financial plan for college may not have a clear picture of what school will cost when their student leaves home.

 

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Our new two-part video series helps families better understand their Financial Aid Award Letter. Watch Here

 

The financial aid award letter is a document sent to families by the school shortly after the acceptance letter, if not included as part of the acceptance package. The award letter includes cost of attendance and other estimated costs, as well as any scholarships, grants and other funds to help pay for a student’s education.

As there is no standard format for presenting information on the financial aid award letter, families might have a difficult time comparing the actual costs of one school versus another, let alone clearly understand their financial responsibility to their student’s education.

In our new two-part video, we look at the elements of a financial aid award letter and offer tips to families for understanding the true cost of a college education. By following these tips, families can better compare schools and ask the questions of financial aid officers to make the best financial decision for their student’s education.

Didn’t Get Into Your First-Choice School? Here’s How to Move On

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It’s that time of year when mailboxes fill up for high school seniors anxious to start their college careers. College acceptance letters are a fantastic reward and validation for years of focus and hard work for students ready to move on to the next phase of their life. But what about those other moments when a student must deal with not being accepted to the school of their dreams? Here are some tips to dealing with what could otherwise be a real downer:

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It is okay to be disappointed, but don’t blame yourself. If a student doesn’t get into their first-choice school, it might hurt. Take the time to let feel disappointed, be it an hour, a day or a week. But don’t let the negative feelings linger. Often, not getting an offer to enroll at a school has little to do with an individual student. While their GPA and test scores may have been good enough, the increasing numbers of changing factors that admissions officers have to consider (from an increased number of early decision and early action applications, geographical balance issues and more) can put applicants unfairly in the crosshairs. Add in the ever-growing importance of college rankings that reward schools for the number of students they reject, while punishing the same schools for students that turn down acceptance offers, and a student might feel that schools are looking for reasons to say “no.”

Focus on what’s to come, not what might’ve been. If a student has applied to more than one school, it’s likely they will receive an acceptance offer from another school. Instead of dwelling on the schools that didn’t feel they were the right fit, students should focus on, and get excited about, those schools that see them as a great partner in learning.

Know that college is more about what one does than where one goes. While there are schools with names that will open doors after graduation on reputation alone, no school defines a student. More than just attending a school, college is about what a student does once they get there. Regardless of the school they attend, students should keep an eye on using the opportunity to discover their strengths, passions and develop the skills that will give them a rewarding, life-long career.

The college admissions process is technical, complicated and ever-changing. No matter where the college decision process takes a student, they should always remember that the opportunity to continue and develop their education is a rare and unique opportunity, no matter where they go to school.

“College Fit” Starts With Knowing The Type of School You Want to Attend

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As students start to think about the next step in their education, they might hear the phrase “college fit” when exploring schools. College fit is the idea that students do better at schools that are best in tune with their academic, philosophical and personal needs.

While the idea of college fit might sound like it comes with a number of things to consider, one of the easiest ways to start tackling the idea of finding a school that works for you is to ask a simple question: What IS college?

While it might seem basic, taking the time to get to know the difference between different schools, including their affiliations, missions and more can help students make subtle, and often important, decisions in choosing the school that fits them best.

What is College?
View our “What is College?” video exploring the different types of degrees

When students are deciding on a college or university, the school’s mission might not be the first consideration, but it is something to consider. It can impact a school’s size, cost of tuition, campus climate and more. In short, it can influence the entire student experience.

Here are some categories of schools and what to expect when attending:

Community colleges

Community colleges are usually publicly-funded, two-year institutions with mission statements reflecting their service to the needs of surrounding region. As a result, access is important to community colleges, welcoming all students and offering low-cost tuition. While community college students can graduate with a technical or vocational associate’s degrees, many students use the two years of community college as a starting point before transferring to a four-year institution to complete a bachelor’s degree. Because of that, most community colleges have “articulation agreements” with colleges and universities that guarantee a student’s community college coursework will be accepted for credit at the four-year institution.

Major research universities

Large institutions (either private or public) where research comes first will be called universities. As a result of the interest in research, these schools often have a portion of their faculty members ho are purely “research faculty,” meaning that they teach minimally (and then only advanced graduate students) or not at all. Their work is focused on the generation of new knowledge, often in conjunction with lucrative grants from external sources.

Putting research first doesn’t leave undergraduates at a disadvantage, though. Large institutions may have larger classes, but typically break into small discussion groups to help personalize learning. Academic departments will work closely to reach out to their undergraduate students and communities form in residence halls and through campus clubs to create a breadth of opportunities to students.

Liberal arts colleges

Often promoted as an alternative to large research universities, liberal arts colleges are usually private institutions that focus on a more individualized approach to learning and building relationships in smaller-sized classes. As a result of this focus on the personal experience, these schools tend to prioritize teaching over research. Students are likely to find smaller classes taught by full-time  faculty and not graduate assistants.

The focus away from research doesn’t mean that faculty at these types of schools are any less well-qualified than those at larger institutions. Rather, it is more of a philosophical reflection of the teaching vs. research divide between the two types of schools.

Religiously-affiliated institutions

As the name would suggest, these institutions (virtually all privately-held) emphasize faith development in addition to educational achievement. These types of institutions range from small Bible colleges to nationally known Jesuit institutions like Georgetown University. For those students who are looking for an education that develops them both academically and spiritually, these types of colleges and universities offer an experience often specifically tailored to their religion.

School Counselors Impact Students In School, Through Life

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This week, we celebrate the work of school counselors throughout Iowa and the country during National School Counseling Week. This year’s theme, “School Counseling: Helping Students Realize Their Potential,” ties closely with the work done by Iowa College Aid through such initiatives as GEAR UP Iowa.

GEAR UP Iowa Program Coordinator Sprouse knows first-hand the impact that comes with interaction and motivation with students early in their educational career. It’s something that she learned early on as a student and a responsibility that she carries forward in her work building a college-going culture with GEAR UP Iowa students.

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I went to a small elementary school where many of the teachers and other staff members had been there long enough to teach my parents as well as my siblings and me. While I appreciated that connection, it was exciting when a new guidance counselor started during my 4th grade year. She was young and energetic, and it may have been her first position as a school counselor. Her name was Mary and she was from outside of our close-knit community. I was immediately fascinated by her. Similar to our previous school counselor, Mary came into our classroom at least once a week for guidance lessons. She liked to have us do interactive and role-play activities, something I would normally dread as an introverted student. However, Mary had a way of making everyone feel comfortable and I usually looked forward to her lessons.

My parents went through a divorce when I was in second grade and I only knew two other kids in my class with divorced parents. I was a relatively quiet student in elementary school and that, combined with my split family, made me feel a little disconnected from everyone else. I don’t know if Mary knew that at the time but she didn’t treat me different either way. She was always happy to see every student and she truly cared about each and every one of us.  Thanks to Mary, I finally started feeling a little more confident and I eventually started getting involved in after school activities.

I lost touch with Mary when I started middle school in a different building and she eventually left the district. As luck would have it, our paths crossed again about 20 years later when we worked together at the same college. She knew exactly who I was and she even remembered the names of my three siblings! We both left our positions from the college within a year from each other and I didn’t keep in touch. Ironically, we ran into each other again in our current positions and I am fortunate to collaborate with her every few months.

Mary hasn’t changed much from what I remember in elementary school. She is still one of the most optimistic people I know. Mary’s caring and welcoming personality helped me through a difficult time and I give her a lot of credit for being one of my first role models. I know there are many school counselors just like Mary and I am fortunate to still have her in my life.

A Good Plan for College Helps Keep Loan Debt Low

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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.”