Applying for college early may seem like a good thing. You get in as soon as you can. It sounds good, but in reality there are a few things you should consider. Before you apply to college, it is best to be armed with a little knowledge.
If you are not really qualified for the college of your choice, it really makes no difference when you apply. You most likely will not get in. It is true, however, that if you are just slightly below good qualifications, you may have a better chance by applying early. If you are highly qualified, it really makes no difference when you apply, so long as you meet the deadlines.
If you are looking for financial aid, do not commit early to one college. The more colleges you are accepted to, the better. You can have all your colleges compete with a financial aid package, and you pick the best value for your circumstances.
Some high schoolers are not ready to make decisions early. Do you really know what you want to do as a junior? Your interests may change, especially in your senior year. But don't delay too long. If you know you have a lot of colleges in mind, it can take quite a while to research and apply to all of them. Make the right choice about when to apply.
Remember that when you apply, that's the record you have up to that point. If you are a little bit lacking, this may hurt. You may need a little more time to pump up your GPA, take the right classes, and have more activities and interests on your college resume.
Remember, apply to colleges at the right time!
Thursday, December 30, 2010
Monday, November 22, 2010
An expensive college can be quite affordable!
Private colleges and universities are generally much more expensive than their public counterparts. But don't let the overall price of attendance scare you off. Many large private institutions have huge endowments. These endowments allow them to award quite a bit of financial aid, especially to those students who are tops in the country. Getting a top student helps the college's ratings.
So, if you are a top student, chances are your overall out of pocket costs can be quite low. The college wants you there. Many colleges will offer you more than others just to have you attend. In fact, you should let colleges compete for you and see who can come up with the best financial aid package.
This means you should and must apply to many schools.
Because of the generous awards from some schools, your overall cost can be lower than a cheaper college. Let's say college A charges $30,000 overall for tuition, room, and board. After the normal financial aid award, lets say that leaves you with about $15,000 left. The college may offer you $10,000 of that in scholarships, grants, and other discounts. Leaving $5,000 left out of pocket. Compare that to college B that costs $15,000. Your financial aid may be $10,000, but the college offers nothing more. That means your out of pocket expenses are again $5,000. This means both colleges will cost you the same. Financial aid is awarded on the total cost of attending college. The more expensive the college, the more aid there is that might be available to you.
Never let the high price of education scare you off.
The bottom line is to apply to many colleges and universities, both public and private. Then compare the different financial aid packages they offer. Decide which one leaves less for you to pay. Many colleges guarantee enough aid for all accepted students.
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So, if you are a top student, chances are your overall out of pocket costs can be quite low. The college wants you there. Many colleges will offer you more than others just to have you attend. In fact, you should let colleges compete for you and see who can come up with the best financial aid package.
This means you should and must apply to many schools.
Because of the generous awards from some schools, your overall cost can be lower than a cheaper college. Let's say college A charges $30,000 overall for tuition, room, and board. After the normal financial aid award, lets say that leaves you with about $15,000 left. The college may offer you $10,000 of that in scholarships, grants, and other discounts. Leaving $5,000 left out of pocket. Compare that to college B that costs $15,000. Your financial aid may be $10,000, but the college offers nothing more. That means your out of pocket expenses are again $5,000. This means both colleges will cost you the same. Financial aid is awarded on the total cost of attending college. The more expensive the college, the more aid there is that might be available to you.
Never let the high price of education scare you off.
The bottom line is to apply to many colleges and universities, both public and private. Then compare the different financial aid packages they offer. Decide which one leaves less for you to pay. Many colleges guarantee enough aid for all accepted students.
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Wednesday, November 17, 2010
College student's budget busters
There is more to a college budget than books and tuition. In fact, those will be more manageable than the costs of other things that most college students want or need while in college. Many things are not thought of and can bust any college budget.
Here are just a few costs of college that are normally no in your budget.
Outfitting a dorm room. Shelves, bedding, and other accessories to make your dorm comfortable will add hundreds to your costs. Shop wisely and think used.
College Parking fees. This can add up to $50 a month. Leave the car at home if you can help it. Do more things on campus. Like study. Car insurance can be expensive.
Students and Electronic gadgets. Cell phones, a new laptop, maybe an ipad or ipod. These are budget killers. Students should make an effort to acquire these items before college, or better still, just go for a laptop. The others you may not need.
College outerwear. From school sweatshirts to college team hoodies. You may feel the need to show some college pride. Choose items that you could wear on a daily basis. Get it to do double duty, not just school sports attendance. Sometimes the college bookstore sells these items for a lot less than brand names.
College students love snacks. Even if you have a meal plan, you will need snacks and food in the dorm. Most students do not know how expensive food is, as their parents supplied it for free. Buy bulk items and put in snack bags to lower the cost. Avoid single pack snacks. They are expensive.
Off campus activities. You will want to get away from campus. Movies and coffee shops for example. These can be college budget busters. Be sure and ask for local student discounts.
Here are just a few costs of college that are normally no in your budget.
Outfitting a dorm room. Shelves, bedding, and other accessories to make your dorm comfortable will add hundreds to your costs. Shop wisely and think used.
College Parking fees. This can add up to $50 a month. Leave the car at home if you can help it. Do more things on campus. Like study. Car insurance can be expensive.
Students and Electronic gadgets. Cell phones, a new laptop, maybe an ipad or ipod. These are budget killers. Students should make an effort to acquire these items before college, or better still, just go for a laptop. The others you may not need.
College outerwear. From school sweatshirts to college team hoodies. You may feel the need to show some college pride. Choose items that you could wear on a daily basis. Get it to do double duty, not just school sports attendance. Sometimes the college bookstore sells these items for a lot less than brand names.
College students love snacks. Even if you have a meal plan, you will need snacks and food in the dorm. Most students do not know how expensive food is, as their parents supplied it for free. Buy bulk items and put in snack bags to lower the cost. Avoid single pack snacks. They are expensive.
Off campus activities. You will want to get away from campus. Movies and coffee shops for example. These can be college budget busters. Be sure and ask for local student discounts.
Thursday, November 11, 2010
3 Basic Ways of Getting Financial Aid
College students looking for money are most often concerned with financial aid. Financial aid is what the college you are attending awards you. It is calculated by your and your families financial situation. Once this is looked at, the college will tell you what financial aid they will award you.
To get any financial aid, you must fill out a FAFSA.
Grants
Grants are like gifts. They never have to be repaid. All college students can apply for a Pell Grant awarded by the federal government. The amount you get varies, up to a maximum of over $5,000. This grant is based on need. Many states, Like California, award their own grants as well. Virtually all state grants as well are awarded on financial need. There are other various grants for certain types of degrees and careers you choose. Your financial aid office will know which ones you can get.
Student Loans
All students going to college will be eligible to apply and get a student loan. Your year in college will dictate how much you can borrow. It varies from freshman to graduate student. This is not based on need. If you are enrolled, mostly at least half time, you will get a student loan. All direct student loans are done through the federal government by first doing the paperwork at your college's financial aid office. They will set it up for you. There are also federal PLUS loans for parents. And the money they can borrow is only the amount you need to pay for school, not a penny more. Again, your financial aid office will have all paperwork. There are other private student loans. But you need good credit and the terms are not as good as the federal direct loan program.
Work-Study
Work-study is a program where your college gives you a job on campus to make up for the money you need to pay for college. The federal government normally subsidizes these jobs. But, they are only awarded on financial need. They are not very high paying and you may find a better job outside of the campus. However, they are on campus and are flexible. The earnings do not count toward your finances that the school looks at when getting more financial aid. The work-study program will not allow you to work for them more than 15 hours a week. This is to not interfere with your study time. This does not keep you from getting a job off campus and working more hours.
There you have the three types of financial aid that are awarded. Notice we did not mention scholarships. Scholarships are not financial aid. College scholarships are awarded by many companies and agencies, including your college. You should definitely look into these as well. Scholarships do not have to be paid back either.
>>Click here with free help in finding college scholarships.
>>Be a teacher and find a teaching job.
To get any financial aid, you must fill out a FAFSA.
Grants
Grants are like gifts. They never have to be repaid. All college students can apply for a Pell Grant awarded by the federal government. The amount you get varies, up to a maximum of over $5,000. This grant is based on need. Many states, Like California, award their own grants as well. Virtually all state grants as well are awarded on financial need. There are other various grants for certain types of degrees and careers you choose. Your financial aid office will know which ones you can get.
Student Loans
All students going to college will be eligible to apply and get a student loan. Your year in college will dictate how much you can borrow. It varies from freshman to graduate student. This is not based on need. If you are enrolled, mostly at least half time, you will get a student loan. All direct student loans are done through the federal government by first doing the paperwork at your college's financial aid office. They will set it up for you. There are also federal PLUS loans for parents. And the money they can borrow is only the amount you need to pay for school, not a penny more. Again, your financial aid office will have all paperwork. There are other private student loans. But you need good credit and the terms are not as good as the federal direct loan program.
Work-Study
Work-study is a program where your college gives you a job on campus to make up for the money you need to pay for college. The federal government normally subsidizes these jobs. But, they are only awarded on financial need. They are not very high paying and you may find a better job outside of the campus. However, they are on campus and are flexible. The earnings do not count toward your finances that the school looks at when getting more financial aid. The work-study program will not allow you to work for them more than 15 hours a week. This is to not interfere with your study time. This does not keep you from getting a job off campus and working more hours.
There you have the three types of financial aid that are awarded. Notice we did not mention scholarships. Scholarships are not financial aid. College scholarships are awarded by many companies and agencies, including your college. You should definitely look into these as well. Scholarships do not have to be paid back either.
>>Click here with free help in finding college scholarships.
>>Be a teacher and find a teaching job.
Wednesday, November 10, 2010
It's never too late to get money for college
Now is the time to start thinking about financial aid and paying for college in the next school year. After the first of the year, be sure and get that FAFSA in. However, if you are one who waits for the last minute, there can be hope. Getting money for college at the last minute is doable.
Look for scholarships that are offered at all times of the year, not just before the term starts. Read Tips for finding college scholarships.
Talk to your financial aid office. If you can't scrape up enough money, they can probably find a way to keep you in school. Sometimes they get money later, or even leave some set aside. The financial aid office should be the first place you look. They even make low cost loans and have payment plans for tuition.
Once you get your financial aid award, you can always ask for more. Many students don't realize this. Your circumstances may change and warrant a little more cash tossed your way. Read Tips for more financial aid.
A sure way of "having" enough money, is to take what you get and make a budget. Learn to save money in college. Make the most of the money you have. Sure it means cutting out extras and fun, but after graduating, you will be free to to these things. Getting through college should be your main priority anyway. Read 30 tips to cut college costs.
It not sound too good, but getting a job while in college is always an option. There are numerous jobs on and off campus. Many businesses can work around your schedule if you are willing. It can be tough to work and attend college, but if all your efforts are put into doing just that, you can make it.
As a last resort, as your relatives. You would be surprised as to how many relatives may contribute to your college fund. Send out a card or letter, making a professional pitch.
Getting money for college can be a daunting task. But a college education is well worth it. Be creative in your ways to get, earn, and save money for college!
>> College survival tips.
Look for scholarships that are offered at all times of the year, not just before the term starts. Read Tips for finding college scholarships.
Talk to your financial aid office. If you can't scrape up enough money, they can probably find a way to keep you in school. Sometimes they get money later, or even leave some set aside. The financial aid office should be the first place you look. They even make low cost loans and have payment plans for tuition.
Once you get your financial aid award, you can always ask for more. Many students don't realize this. Your circumstances may change and warrant a little more cash tossed your way. Read Tips for more financial aid.
A sure way of "having" enough money, is to take what you get and make a budget. Learn to save money in college. Make the most of the money you have. Sure it means cutting out extras and fun, but after graduating, you will be free to to these things. Getting through college should be your main priority anyway. Read 30 tips to cut college costs.
It not sound too good, but getting a job while in college is always an option. There are numerous jobs on and off campus. Many businesses can work around your schedule if you are willing. It can be tough to work and attend college, but if all your efforts are put into doing just that, you can make it.
As a last resort, as your relatives. You would be surprised as to how many relatives may contribute to your college fund. Send out a card or letter, making a professional pitch.
Getting money for college can be a daunting task. But a college education is well worth it. Be creative in your ways to get, earn, and save money for college!
>> College survival tips.
Sunday, November 7, 2010
College Student Loans - Don't go for broke!
Federal Student Loans are available to anybody that goes to college and fills out a FAFSA.
But college students need to be aware of the debt level they have when they graduate. It can be a huge load on your finances. Students don't normally think about this. They just like the money in the bank.
Don't make mistakes when it comes to student loans.
Borrow ONLY the amount of money you need to pay for college. This may be substantially less than what is offered. It may seem great to have more money, but college students have a tendency to go through it quick if it's there. You will one day need to pay it back. If you get more money than you need, and you have fun like movies, music, even Spring Break, you will be paying this off for years. You are delaying when you will be on a strong financial footing by getting into unneeded debt.
Watch your major. Will you get a great paying job right out of college and be able to make student loan payments with ease? Or do you know you will get a lower salary before working your way up? Will you always have a lower salary? These questions need to be answered before taking out any loans. It may not be worth it to pay such a large sum of money with a loan for a low paying job.
Don't think student loans first. There are many options of free money for college you need to exhaust before taking out a big loan. There are scholarships and grants like Federal Pell Grants.
Research the repayment terms. All direct student loans are done by the federal government now and there are various good repayment plans. But private student loans are another matter. These will be based on your credit and they are more stringent as far as repaying them. If you can't make the payments, it will effect your credit score.
You should plan on cutting your expense to make college cheaper. You don't have to live like you have a never ending supply of money. You need to live like a broke college student. Watch how you spend your money. Visit our Ways of Saving Money in College page. You don't want to be making payments for years on past trips to the movies!
>> 5 jobs college students can get now.
>> College students and credit cards.
>> Repaying Student loans.
But college students need to be aware of the debt level they have when they graduate. It can be a huge load on your finances. Students don't normally think about this. They just like the money in the bank.
Don't make mistakes when it comes to student loans.
Borrow ONLY the amount of money you need to pay for college. This may be substantially less than what is offered. It may seem great to have more money, but college students have a tendency to go through it quick if it's there. You will one day need to pay it back. If you get more money than you need, and you have fun like movies, music, even Spring Break, you will be paying this off for years. You are delaying when you will be on a strong financial footing by getting into unneeded debt.
Watch your major. Will you get a great paying job right out of college and be able to make student loan payments with ease? Or do you know you will get a lower salary before working your way up? Will you always have a lower salary? These questions need to be answered before taking out any loans. It may not be worth it to pay such a large sum of money with a loan for a low paying job.
Don't think student loans first. There are many options of free money for college you need to exhaust before taking out a big loan. There are scholarships and grants like Federal Pell Grants.
Research the repayment terms. All direct student loans are done by the federal government now and there are various good repayment plans. But private student loans are another matter. These will be based on your credit and they are more stringent as far as repaying them. If you can't make the payments, it will effect your credit score.
You should plan on cutting your expense to make college cheaper. You don't have to live like you have a never ending supply of money. You need to live like a broke college student. Watch how you spend your money. Visit our Ways of Saving Money in College page. You don't want to be making payments for years on past trips to the movies!
>> 5 jobs college students can get now.
>> College students and credit cards.
>> Repaying Student loans.
Wednesday, October 6, 2010
Community Colleges are a great way to save on College Degree
Getting a college degree is more expensive than ever. If you are willing to do a few things different, you can get a four year degree cheaper than you expect.
Community colleges are a great way to go. In most cases, you can do the first two years of any degree, then transfer. The cost of a community college class can be from hundreds to thousands of dollars less. If you are already at a 4-year university, check to see what community college can satisfy some of your general education credits.
Community colleges also offer many certificate and associate degree programs that could lead to a high paying job. From nursing to automotive mechanic. The choices are almost endless. After just 2 years, you can have a degree and a good job.
Many community colleges have agreements with their local 4 year universities. If you graduate from the community college, you get a guaranteed admission. Of course some restrictions may apply. But the cost savings is significant.
For California residents, The Student Transfer Achievement Reform Act was just signed into law. This law will allow any student who completes 60 semester units at any California community college to get admission to a Cal-State university.
The way this new law will work, is that community colleges will create new associate degree programs that parallel the first 2 years of a comparable degree at the Cal-State schools. The student will then be able to do just 60 units more for the degree. This law goes into effect in 2011. Students will not be guaranteed admission to the college of their choice and may need to relocate.
The beauty of a 2 year college, is that most give admission to all adults over 18. No tests.
Don't overlook a junior college. Many 2 year colleges are at the top of their game and have some prestige. If saving money in college is your concern, this is a great way to go!
>>Federal Pell Grants Explained.
>>Get a Nursing Scholarship.
Community colleges are a great way to go. In most cases, you can do the first two years of any degree, then transfer. The cost of a community college class can be from hundreds to thousands of dollars less. If you are already at a 4-year university, check to see what community college can satisfy some of your general education credits.
Community colleges also offer many certificate and associate degree programs that could lead to a high paying job. From nursing to automotive mechanic. The choices are almost endless. After just 2 years, you can have a degree and a good job.
Many community colleges have agreements with their local 4 year universities. If you graduate from the community college, you get a guaranteed admission. Of course some restrictions may apply. But the cost savings is significant.
For California residents, The Student Transfer Achievement Reform Act was just signed into law. This law will allow any student who completes 60 semester units at any California community college to get admission to a Cal-State university.
The way this new law will work, is that community colleges will create new associate degree programs that parallel the first 2 years of a comparable degree at the Cal-State schools. The student will then be able to do just 60 units more for the degree. This law goes into effect in 2011. Students will not be guaranteed admission to the college of their choice and may need to relocate.
The beauty of a 2 year college, is that most give admission to all adults over 18. No tests.
Don't overlook a junior college. Many 2 year colleges are at the top of their game and have some prestige. If saving money in college is your concern, this is a great way to go!
>>Federal Pell Grants Explained.
>>Get a Nursing Scholarship.
Sunday, September 12, 2010
College degrees that have the most job opportunities
Think the job market for college grads and others is shrinking? It depends on what your training is. If you are going back to school or just starting, here are some college choices to get the most job offers.
Engineering is still hot. In fact, the highest paid college graduates are in the engineering field. Not all engineering grads are the most wanted. Chemical and green energy are biggies. Engineers geared for the future and not the past will remain in high demand. Computer engineering is great.
Computer science degrees are hot. Very hot. Go for information technology, systems analysts and software engineers. You can't go wrong with most anything in the computer science field, including security and databases. Related to computers comes video games.
Video game programmers and creators are a tremendous market. Get degrees or training in animation, game development, even film. Film, games, and computers are rapidly morphing into one big related field.
One career that is recession-free, is the medical field. Colleges will need to keep turning out doctors, nurses, and those in the paramedical field. If you go to college for the medical field, you will have plenty of jobs to choose from.
If you choose the right career and degree, college graduates can have employers waiting at their doors!
Engineering is still hot. In fact, the highest paid college graduates are in the engineering field. Not all engineering grads are the most wanted. Chemical and green energy are biggies. Engineers geared for the future and not the past will remain in high demand. Computer engineering is great.
Computer science degrees are hot. Very hot. Go for information technology, systems analysts and software engineers. You can't go wrong with most anything in the computer science field, including security and databases. Related to computers comes video games.
Video game programmers and creators are a tremendous market. Get degrees or training in animation, game development, even film. Film, games, and computers are rapidly morphing into one big related field.
One career that is recession-free, is the medical field. Colleges will need to keep turning out doctors, nurses, and those in the paramedical field. If you go to college for the medical field, you will have plenty of jobs to choose from.
If you choose the right career and degree, college graduates can have employers waiting at their doors!
Friday, August 27, 2010
Two quick ways to make a college degree cheaper
When it comes to paying for college, the end result is always a college degree. When you put the overall cost into perspective, the dollars can add up. Here are five ways to make a college degree cheaper almost instantly.
1)Take courses at a local junior college. These are almost always city or state JC's. The cost of tuition is very, very small when compared to a four year college. Some students can take the first two complete years there, then transfer, saving them two years of strained college finances. You still get the same student loans and grants. So why not sock that cash away, then be fully funded for the next two years? The perks can also include a local university partnership. Many offer guaranteed admission if a student graduates from a local junior college. If a complete two year program is not for you, there is nothing wrong with taking one or two classes each term there. The cost saving can be significant. Just be sure the classes you take count towards a four year degree and are transferable.
2)Challenge classes with a test. Many colleges and universities allow you to take a test in lieu of taking the class. The few bucks for the test is pennies compared to the tuition and books for a college class. This will make your degree cheaper and quicker! Normally just freshmen or low level classes are testable. But any fewer classes you must take is money in your pocket.
Military service might actually get you college credit for your experience and military technical and trade schools.
The bottom line is that college tuition is going up. The more quick and easy ways you can cut expenses for a degree, the better!
1)Take courses at a local junior college. These are almost always city or state JC's. The cost of tuition is very, very small when compared to a four year college. Some students can take the first two complete years there, then transfer, saving them two years of strained college finances. You still get the same student loans and grants. So why not sock that cash away, then be fully funded for the next two years? The perks can also include a local university partnership. Many offer guaranteed admission if a student graduates from a local junior college. If a complete two year program is not for you, there is nothing wrong with taking one or two classes each term there. The cost saving can be significant. Just be sure the classes you take count towards a four year degree and are transferable.
2)Challenge classes with a test. Many colleges and universities allow you to take a test in lieu of taking the class. The few bucks for the test is pennies compared to the tuition and books for a college class. This will make your degree cheaper and quicker! Normally just freshmen or low level classes are testable. But any fewer classes you must take is money in your pocket.
Military service might actually get you college credit for your experience and military technical and trade schools.
The bottom line is that college tuition is going up. The more quick and easy ways you can cut expenses for a degree, the better!
Monday, August 9, 2010
Back to college savings tips
Don't purchase new school items if what you have on hand is still good. This goes for everything from pencils, backpacks, to clothes. If your clothes are not worn out, remember in college students can have their own identities and don't always need the latest fashions. This is a great tip for saving money for college right of the bat.
If you must shop, shop online. If you browse the stores in person, you will be enticed by all the fancy displays and new items. College students readily give in to buying urges. Shopping online allows you to get exactly what you need.
This is a no-brainer: Buy used textbooks. Of course this means shopping early at the college bookstore or online. You should get enrolled and a book list as soon as possible.
As a college student, you have to set a budget. And stick with it. You want to limit your purchases and save money, not live on the edge. Money you save is cash in your pocket for the future!
If you live in the college dorm, wait to see what your roommate has. No reason to buy items for a dorm room when your roommate might already have them. If you need something else, ask them to share the cost for items that the dorm room needs. This is ideal for TVs, lamps, chairs, rugs, etc.
As far as school items like pens, pencils, and paper, it is always wise to stock up early when the prices are cheap. College students should buy items in bulk packages. Don't buy one pencil, buy a pack of ten. Similar for paper and pens. You will use them, so why not stock up and save?
Look for sales. Every store has sales at the start of the school year. This can happen early, and may not run later. Savvy college students always shop during sales.
Get your student discount! If you have a college ID, many stores offer discounts for students. Take advantage of them!
If you must shop, shop online. If you browse the stores in person, you will be enticed by all the fancy displays and new items. College students readily give in to buying urges. Shopping online allows you to get exactly what you need.
This is a no-brainer: Buy used textbooks. Of course this means shopping early at the college bookstore or online. You should get enrolled and a book list as soon as possible.
As a college student, you have to set a budget. And stick with it. You want to limit your purchases and save money, not live on the edge. Money you save is cash in your pocket for the future!
If you live in the college dorm, wait to see what your roommate has. No reason to buy items for a dorm room when your roommate might already have them. If you need something else, ask them to share the cost for items that the dorm room needs. This is ideal for TVs, lamps, chairs, rugs, etc.
As far as school items like pens, pencils, and paper, it is always wise to stock up early when the prices are cheap. College students should buy items in bulk packages. Don't buy one pencil, buy a pack of ten. Similar for paper and pens. You will use them, so why not stock up and save?
Look for sales. Every store has sales at the start of the school year. This can happen early, and may not run later. Savvy college students always shop during sales.
Get your student discount! If you have a college ID, many stores offer discounts for students. Take advantage of them!
Tuesday, August 3, 2010
Ways to cut college costs
Going to college is expensive. Here are just a few more tips on cutting the cost of going to college.
Get good grades. Most colleges offer some type of merit award for good grades. If you maintain the required GPA, make sure you apply.
And keep getting those good grades! Not only does if give you a little more money, it also keeps you from repeating a class. One of the easiest ways to cut the overall cost of college is to graduate on time or early. Take as many classes as you can.
If you are a top notch student and colleges want you, you will get a better financial aid package. More money goes to the top students. So, if you are way down on the list, you will not get much. If money is tight, go to a school where you get in early.
Want to immediately cut the cost of college? Live at home. You probably live near a four year college or university that is within easy driving or commuting distance. Dorms cost thousands of dollars a year. Your parents will be paying no more than what they are now for you to room and board.
However, some private colleges and universities offer better financial aid packages than public. If they want you, they will offer more. It may actually be less out of pocket expenses to go to a private college that is a long distance away.
Get good grades. Most colleges offer some type of merit award for good grades. If you maintain the required GPA, make sure you apply.
And keep getting those good grades! Not only does if give you a little more money, it also keeps you from repeating a class. One of the easiest ways to cut the overall cost of college is to graduate on time or early. Take as many classes as you can.
If you are a top notch student and colleges want you, you will get a better financial aid package. More money goes to the top students. So, if you are way down on the list, you will not get much. If money is tight, go to a school where you get in early.
Want to immediately cut the cost of college? Live at home. You probably live near a four year college or university that is within easy driving or commuting distance. Dorms cost thousands of dollars a year. Your parents will be paying no more than what they are now for you to room and board.
However, some private colleges and universities offer better financial aid packages than public. If they want you, they will offer more. It may actually be less out of pocket expenses to go to a private college that is a long distance away.
Wednesday, July 21, 2010
Going back to school is a good option in a bad economy
Many people are out of work, laid off, furloughed, or just working part time. The economy does not seem to be getting better soon. Did you know that going back to college is a good idea and investment?
Adults who have Bachelors degrees already should think about graduate school. You can borrow up to about $20,000 to pay for grad school. There are other loans available as well. >Graduate school admission and financial aid.
Graduate school can help you get more marketable skills and experience to secure a higher paying job. That's a given. But one more thing it can do during a bad economy, is put of a job search until times are better.
You have a win-win situation. You don't have to look for a job, and you are getting more skills for when you do!
Teaching is almost recession-proof. Yes, there are teacher layoffs all over, but there are still plenty of jobs for the right teacher. Math and science teachers are always high in demand. Chances are less to be laid off if you teach one of these subjects. Special Education is another high demand teacher. Normally, there are more jobs for these teachers than there are teachers. Again, this makes for less chances of being laid off. Because of the budget cuts, they are increasing class size in K-3. That means, those grades will have fewer jobs, more chance to be laid off.
The bigger the state and district, the more need there is for teachers.
Don't think you have time for school? Going to school online is a great time saver. Also, online classes are usually cheaper.
Adults who have Bachelors degrees already should think about graduate school. You can borrow up to about $20,000 to pay for grad school. There are other loans available as well. >Graduate school admission and financial aid.
Graduate school can help you get more marketable skills and experience to secure a higher paying job. That's a given. But one more thing it can do during a bad economy, is put of a job search until times are better.
You have a win-win situation. You don't have to look for a job, and you are getting more skills for when you do!
Teaching is almost recession-proof. Yes, there are teacher layoffs all over, but there are still plenty of jobs for the right teacher. Math and science teachers are always high in demand. Chances are less to be laid off if you teach one of these subjects. Special Education is another high demand teacher. Normally, there are more jobs for these teachers than there are teachers. Again, this makes for less chances of being laid off. Because of the budget cuts, they are increasing class size in K-3. That means, those grades will have fewer jobs, more chance to be laid off.
The bigger the state and district, the more need there is for teachers.
Don't think you have time for school? Going to school online is a great time saver. Also, online classes are usually cheaper.
Wednesday, July 7, 2010
The hidden costs of college can make college very expensive
When college students think college expenses, they usually think tuition. Then maybe room and board. And they think that's it. Unfortunately, many students get whacked with fees and expenses that they did not think about. Or even know about. When calculating the true cost of college, you have got to factor in the "hidden" costs of college.
Textbooks: Of all the expenses of college, this one can jump up and bit you. Hard. If you take a full time schedule, math, science classes, chances are very good that you will pay over $100 for a textbook. Four classes it is not uncommon to spend $300 each term on textbooks. Maybe more. That alone could add $600-$1000 a year to the cost of college.
Fees: Many colleges charge a fee for all sorts of things. Health, student activities, lab fees, and materials fees. These are only a few. While some are known up front, you may not realize that lab class has an extra cost.
Transportation: Do you own a car and will be using it at college? You will need to pay for a parking pass. This could be as high as $40 a month. And you still have to pay for car insurance. Do you live off campus? How much is bus fare?
Food and drinks: You may think that you have a meal plan and that solves the food problem. Not really. Many times the cafeteria will be closed, or you will find yourself off campus and hungry. Purchasing extra food and drinks can add up fast. How many times do you think you will be eating fast food off campus? Or even on campus? If your meal plan is on a prepaid card, you need to watch how much you use it. If there is one expense you can't eliminate, it's food and drink.
The Dorm: You may think the dorm is done. But a dorm room is a sterile environment until you customize it. You will probably need a lot of personal items, like towels, sheets, pillows, and accessories to make it livable. Not to mention personal items like soap, shampoo, deodorant, make up, and more.
Remember, if you have never lived on your own, you have no idea how expensive it can be to maintain your lifestyle. So before heading off to college in the fall, factor in the hidden costs of college.
Textbooks: Of all the expenses of college, this one can jump up and bit you. Hard. If you take a full time schedule, math, science classes, chances are very good that you will pay over $100 for a textbook. Four classes it is not uncommon to spend $300 each term on textbooks. Maybe more. That alone could add $600-$1000 a year to the cost of college.
Fees: Many colleges charge a fee for all sorts of things. Health, student activities, lab fees, and materials fees. These are only a few. While some are known up front, you may not realize that lab class has an extra cost.
Transportation: Do you own a car and will be using it at college? You will need to pay for a parking pass. This could be as high as $40 a month. And you still have to pay for car insurance. Do you live off campus? How much is bus fare?
Food and drinks: You may think that you have a meal plan and that solves the food problem. Not really. Many times the cafeteria will be closed, or you will find yourself off campus and hungry. Purchasing extra food and drinks can add up fast. How many times do you think you will be eating fast food off campus? Or even on campus? If your meal plan is on a prepaid card, you need to watch how much you use it. If there is one expense you can't eliminate, it's food and drink.
The Dorm: You may think the dorm is done. But a dorm room is a sterile environment until you customize it. You will probably need a lot of personal items, like towels, sheets, pillows, and accessories to make it livable. Not to mention personal items like soap, shampoo, deodorant, make up, and more.
Remember, if you have never lived on your own, you have no idea how expensive it can be to maintain your lifestyle. So before heading off to college in the fall, factor in the hidden costs of college.
Wednesday, May 19, 2010
After high school, is a college degree needed?
Graduating high school and going off to college is on the minds of millions of students as graduation nears. A good many will start college and not finish. Some will get a bachelor's degree, and not use it. The question is, do you really need a bachelor's degree to get a good paying job?
Getting a college degree is expensive. Most students will graduate with a load of student debt. Not a good way to start off life. You need to think hard if your college degree will pay off. Just having a college degree does not mean a high paying job.
Consider these facts.
Half of the students starting college will not finish in 6 years or less. That means lot's of debt, no degree.
The majority of jobs that are growing do not require a college degree, or at not a bachelor's degree.
Accounting is a growing field that does indeed need a bachelor's degree. So does the job of a college professor. If that's not for you, think of the following.
Registered nursing is growing fast. You can become a registered nurse with a bachelor's degree, or even a 2 year degree. You could also go a step down to a licensed vocational nurse.
If even that's a lot of schooling for you, home health aides are also growing. Not much schooling is needed.
The service sector also is growing. Like department and other retail clerks. No college whatsoever. And you can go up the ladder.
Public schools do not really like to push vocational programs. For some reason, they push college. The fact is, most students will not finish college or need it. Schools need to do a better job of encouraging vocational trades.
If you go to college for 4 years, whether you graduate or not, you have spent a small fortune. If this does not get you anywhere, you now are 4 years older and out of the job loop.
If you choose to start college and are in a degree program where jobs are low paying and or scarce, you need to rethink your future plans.
Keep in mind that deciding to not go to college is against the current grain. It will be up to you to convince people that it is a wise choice. Do your research.
Getting a college degree is expensive. Most students will graduate with a load of student debt. Not a good way to start off life. You need to think hard if your college degree will pay off. Just having a college degree does not mean a high paying job.
Consider these facts.
Half of the students starting college will not finish in 6 years or less. That means lot's of debt, no degree.
The majority of jobs that are growing do not require a college degree, or at not a bachelor's degree.
Accounting is a growing field that does indeed need a bachelor's degree. So does the job of a college professor. If that's not for you, think of the following.
Registered nursing is growing fast. You can become a registered nurse with a bachelor's degree, or even a 2 year degree. You could also go a step down to a licensed vocational nurse.
If even that's a lot of schooling for you, home health aides are also growing. Not much schooling is needed.
The service sector also is growing. Like department and other retail clerks. No college whatsoever. And you can go up the ladder.
Public schools do not really like to push vocational programs. For some reason, they push college. The fact is, most students will not finish college or need it. Schools need to do a better job of encouraging vocational trades.
If you go to college for 4 years, whether you graduate or not, you have spent a small fortune. If this does not get you anywhere, you now are 4 years older and out of the job loop.
If you choose to start college and are in a degree program where jobs are low paying and or scarce, you need to rethink your future plans.
Keep in mind that deciding to not go to college is against the current grain. It will be up to you to convince people that it is a wise choice. Do your research.
Friday, April 9, 2010
High paying jobs that you can get with a two year degree.
Many traditional four year colleges offer associate degrees. And this could be an option. But going to a city or community college is really the way to go.
With the tution tax credits, an associate degree from a local city college can almost be free.
Here are some high paying jobs that require just an associate degree.
The medical field has some terrific job opportunities.
Dental Hygienists are at the top of the list because of their high wage. You may have to do this program at a four year college.
Registered Nurses are next. They have higher wages than dental hygienists, but you may have a long wait list at a community college.
X-ray (radiologist) Technician, Respiratory Therapists, and Surgical Technicians round out the medical field. Community colleges offer these, but the wait list may be long. Also, because of the competition, you need high marks on your prerequisites.
A lab technician in research or medical lab may require only an associate degree in chemistry or biology.
The legal field is ripe with opportunities as well to the people going for a two year degree. Paralegals and court reported will always be in demand.
Many government and engineering firms hire technicians to do field work, both requiring only a two year degree.
A great way to save money in college is to attend a two year school anyway. The first two years of almost any degree can be completed at little cost at your local community college. Then you will be able to transfer more readily to a four year school if you wish. An associate degree makes it even easier.
Wednesday, March 17, 2010
College Financial Aid Myths
Do you think college is expensive? It is! Do you think you can't afford it? You probably can! There are many myths and half-truths when it comes to going to college. It is true that college is not right for everyone and their situation. But if you really want to go to college, chances are, you can!
Here are a few financial aid myths.
My parents are just too rich. Totally false! There are financial aid programs from every college for everyone. It is true that some pay more, but the reality is, colleges work with you no matter how well off you might seem.
There's no money for financial aid anymore. Really false! It is true that some colleges and universities have cut the overall funds, but they have raised others! And the federal government has upped Pell Grants and student loans! Plus, you get a bigger tax deduction! There is money for financial aid!
Did you know that most financial aid comes from the government? Don't believe the hype of those scholarship searches who claim they will get you plenty.
I did not get good grades, so I can't get any award. Not true! Most financial aid is based on need, not grades. Yes, there are some merit scholarships, but the majority of money awarded is awarded on need!
I have to work, so I can't go to college. Actually, you are in a better situation! You have some income! Colleges are adding more weekend and night classes just for you! And you can still qualify for student loans and other financial aid awards!
I have to settle for a state college or university because private ones are just too expensive for my family. Nothing could be further from the truth! Overall, maybe, private institutions cost more, but guess what? They also have more money to give away! Many large private universities actually get everybody who is admitted the money to attend, one way or another!
I need to live at home and go to a local college. Except for moving expenses, your cost of living in a dorm will probably cost less than what your parents would shell out for you being at home. Don't forget those tax credits! They can still claim you! There is not much difference in staying at home and living in the dorm. Most parents just don't realize how much money you cost to have around the house!
Did you know that your parent's house is not included when figuring out financial aid?
Are you aware that colleges will take your financial situation into account when determining your financial aid award? You can explain any financial situations and hardships that you would like them to know about.
Be careful. Your friends and family will tell you different things. Talk to your high school counselor and the financial aid officer at the college. They have the real scoop!
If you really want to go to college, there is no need for you to sit on the sidelines! It takes you filling out applications and talking to the right people!
Here are a few financial aid myths.
My parents are just too rich. Totally false! There are financial aid programs from every college for everyone. It is true that some pay more, but the reality is, colleges work with you no matter how well off you might seem.
There's no money for financial aid anymore. Really false! It is true that some colleges and universities have cut the overall funds, but they have raised others! And the federal government has upped Pell Grants and student loans! Plus, you get a bigger tax deduction! There is money for financial aid!
Did you know that most financial aid comes from the government? Don't believe the hype of those scholarship searches who claim they will get you plenty.
I did not get good grades, so I can't get any award. Not true! Most financial aid is based on need, not grades. Yes, there are some merit scholarships, but the majority of money awarded is awarded on need!
I have to work, so I can't go to college. Actually, you are in a better situation! You have some income! Colleges are adding more weekend and night classes just for you! And you can still qualify for student loans and other financial aid awards!
I have to settle for a state college or university because private ones are just too expensive for my family. Nothing could be further from the truth! Overall, maybe, private institutions cost more, but guess what? They also have more money to give away! Many large private universities actually get everybody who is admitted the money to attend, one way or another!
I need to live at home and go to a local college. Except for moving expenses, your cost of living in a dorm will probably cost less than what your parents would shell out for you being at home. Don't forget those tax credits! They can still claim you! There is not much difference in staying at home and living in the dorm. Most parents just don't realize how much money you cost to have around the house!
Did you know that your parent's house is not included when figuring out financial aid?
Are you aware that colleges will take your financial situation into account when determining your financial aid award? You can explain any financial situations and hardships that you would like them to know about.
Be careful. Your friends and family will tell you different things. Talk to your high school counselor and the financial aid officer at the college. They have the real scoop!
If you really want to go to college, there is no need for you to sit on the sidelines! It takes you filling out applications and talking to the right people!
Sunday, February 14, 2010
High price of college textbooks
College students seem to have no problem paying for movies, music, and other stuff like that, but when it comes to textbooks, college students hate that expense. So, finding a way to combat the price of textbooks seems be a popular pastime.
Yes, you could just not buy the book, but that lowers your success rate for the class. A textbook is a much-needed crutch and study aid. You could share a textbook, but then that is inconvenient. Click here for ways to find cheap textbooks.
There is a new way to save on college textbooks. Download them! Get a digital copy. Jumpbooks.com is a new website that allows just that. They have about 7,000 titles online right now with more to come. This will become more popular as time goes on and students use digital textbooks.
There are some pitfalls to digital or online textbooks. Because it is digital, there will probably be no refunds if you withdraw from the class. You can't sell it back either, and it your license may expire in a few months. You will not have the book for future reference or future classes. But, the cost should be much lower than a print copy that you probably won't worry. With apple's ipad, digital textbooks will become more normal and widespread.
>> Medical School Funding and Scholarships.
>>Find a job after graduating.
>>The hidden cost of college.
Yes, you could just not buy the book, but that lowers your success rate for the class. A textbook is a much-needed crutch and study aid. You could share a textbook, but then that is inconvenient. Click here for ways to find cheap textbooks.
There is a new way to save on college textbooks. Download them! Get a digital copy. Jumpbooks.com is a new website that allows just that. They have about 7,000 titles online right now with more to come. This will become more popular as time goes on and students use digital textbooks.
There are some pitfalls to digital or online textbooks. Because it is digital, there will probably be no refunds if you withdraw from the class. You can't sell it back either, and it your license may expire in a few months. You will not have the book for future reference or future classes. But, the cost should be much lower than a print copy that you probably won't worry. With apple's ipad, digital textbooks will become more normal and widespread.
>> Medical School Funding and Scholarships.
>>Find a job after graduating.
>>The hidden cost of college.
Friday, January 1, 2010
College majors for the future
If you are wondering what to major in, you need to look at what industries or companies will be hiring, and what skills will be needed. Here is a quick look at future jobs for college graduates.
Computer science will still be in high demand, but...
Computer science majors will be in demand. But the future for these jobs lies in security. If you are getting a degree in computer science or computer engineering, get some experience in online security and risk management. Also, financial jobs will also rise, so computer science majors with a little finance can enhance their resumes. Social sites will continue to grow and companies will expand their presence as well. A computer science major should look at those possibilities as well. Marketing will is a skill that computer science majors will need as well. Also in demand will be designing and maintaining web based applications.
Green Jobs
Engineers who can specialize in green and alternative energy will be in demand. This includes wind and solar. Green construction jobs will also grow. Getting the skills to design, build, run, and maintain green projects will be in very high demand.
Medical field still growing and hot
Physical therapists will continue to grow in demand. The emerging field of risk and case management will be huge. If you become a registered nurse and have minors or certificates in those fields, you will be in high demand. Cost and risk containment will be a high priority for hospitals. Another slant is computerized records. Having computer and nursing skills will be much needed.
Financial jobs still exist
Even with the downturn, financial jobs will be in demand. But not all. Risk management is now the new buzz word. Avoiding scams will be high priority. Lessening financial risks is an emerging field as well. Getting a degree in finance or business, and knowing how to manage assets wisely is a big plus.
Computer science will still be in high demand, but...
Computer science majors will be in demand. But the future for these jobs lies in security. If you are getting a degree in computer science or computer engineering, get some experience in online security and risk management. Also, financial jobs will also rise, so computer science majors with a little finance can enhance their resumes. Social sites will continue to grow and companies will expand their presence as well. A computer science major should look at those possibilities as well. Marketing will is a skill that computer science majors will need as well. Also in demand will be designing and maintaining web based applications.
Green Jobs
Engineers who can specialize in green and alternative energy will be in demand. This includes wind and solar. Green construction jobs will also grow. Getting the skills to design, build, run, and maintain green projects will be in very high demand.
Medical field still growing and hot
Physical therapists will continue to grow in demand. The emerging field of risk and case management will be huge. If you become a registered nurse and have minors or certificates in those fields, you will be in high demand. Cost and risk containment will be a high priority for hospitals. Another slant is computerized records. Having computer and nursing skills will be much needed.
Financial jobs still exist
Even with the downturn, financial jobs will be in demand. But not all. Risk management is now the new buzz word. Avoiding scams will be high priority. Lessening financial risks is an emerging field as well. Getting a degree in finance or business, and knowing how to manage assets wisely is a big plus.
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