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Tuition Discounts to Attend College Out-of-State

January 12, 2010

by Scholarships.com Staff

To make up for budget cuts and other difficulties caused by the recession, many state colleges, including some prestigious research universities, have begun admitting more out-of-state students, who typically pay more in tuition than in-state students. While this could make getting into a top school in your own state more challenging, this shift does present some unique opportunities. If you're starting your college search, you may want to consider applying to state colleges in neighboring states. You can get a bargain on tuition compared to private colleges, and there may even be tuition discounts and scholarship opportunities to further help you further bring down costs.

University systems and state higher education agencies offer tuition discounts for certain out-of-state students, bringing down your tuition costs to anywhere from 100% to 150% of in-state tuition: as much as a 50-75% discount on the regular out-of-state rate. High-achieving students, children of alumni, and residents of neighboring towns or states may qualify for programs at specific universities or for certain state scholarships.

If you have specific schools in mind, look to see if they offer discounts for students in your situation. Many large public universities will have some program in place to offset costs for out-of-state students. State colleges and universities near borders may also offer a discounted rate to students living just across a state line.

State-wide tuition discounts also exist. Students in Minnesota, North Dakota, South Dakota, and Wisconsin can take advantage of a wide-ranging tuition reciprocity agreement: Minnesota's public colleges and universities charge in-state tuition for students from the Dakotas and Wisconsin, and schools in those states return the favor for Minnesota residents. Minnesota also has similar agreements with Manitoba and some community colleges in Iowa.

The Southern Regional Educational Board offers the Academic Common Market for students in the southeastern United States pursuing specialized degrees at schools out-of-state. Students who qualify to participate in ACM are able to pay in-state tuition at the school they attend, provided their degree program is not offered by any colleges in their home state.

Other regional tuition exchange programs offer students a chance to go to school out-of-state at a special discounted rate. The two largest of these programs are the Western Undergraduate Exchange and the Midwest Student Exchange Program. Both allow students to attend participating state colleges for 150% of in-state tuition, and MSEP also allows students to receive a 10% discount on tuition at participating private colleges.

If you want to attend school out-of-state, you may also be able to qualify for in-state tuition by becoming a resident of the state. Check the residency requirements of the state and the school where you want to attend college--while some will not allow college students to apply for resident tuition, others happily grant residency to students. A recent article by Kim Clark in U.S. News gives some other tips for how to get in-state tuition at out-of-state schools.

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Major Decisions: Take Your Time When Choosing Your Field of Study

January 13, 2010

by Scholarships.com Staff

High school seniors preparing for college and the task of choosing a major may be more aware now than ever before about the repercussions of choosing one field of study over another. Sure, the economy is looking like it could rebound this year, but all of those who lost their jobs in the crisis - many of whom have quite a bit more experience to boast than a recent college graduate - will be causing more competitiveness on the job market for years to come.

Should you sacrifice where your interests are for what you think may be a more secure, safe major? An opinion piece in The Chronicle of Higher Education this week says "no." Obviously you need to exhibit some marketable skills to land a job post-graduation, but many of those skills are things you're able to pick up on your own. (The article gives the example of computer science majors. Many of the things you'll learn as a computer science major could be obsolete in the real world by the time you graduate, as those technologies are typically very fast-paced and ever-changing.)

It's also probably not a good idea to go into a field you have no interest in just because your parents think that major will land you an impressive salary later on. If you don't have a knack for a particular field of study, chances are greater that you won't do well in your core classes, and potentially even flunk out of school. You really won't be making that great salary if "college dropout" is a part of your resume. If you're interested in English, go for it. You'd be surprised to learn the premium employers place on good writing and communication skills. And if you're at the University of Texas at Austin, the course "The English Major in the Workplace" will offer you tips on building a resume, interviewing, and networking - skills that are important in all fields of study.

On the other side is the idea of "careerism," or that intense desire to succeed professionally. Schools are beginning to see this as a good thing, introducing ways to improve their graduates' chances when they're ready to start looking for jobs and to help those students worried about what they're going to do with their degrees. An article in the New York Times recently discussed ways colleges were adapting to a difficult economy by making drastic changes to their curricula. The University of Louisiana at Lafayette has gotten rid of its philosophy major; Michigan State University did the same with American studies and classics. Declining enrollments in those fields suggested the students, at those schools, not administrators, were looking to more practical majors that would make them more marketable job candidates.

If you're able to, dabble a bit. You may not even know what you want to major in as soon as you get on campus. Reflect on where you'd like to see yourself after college, and what your goals are while you're in college. For some a high-paying major may be just the ticket. Others may not be left-brained enough to become engineers and computer technicians. It's fine to take some time to think about what you'd like to spend the next two to four years doing.

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Employers Expect More from New Hires and Their Schools

January 21, 2010

by Scholarships.com Staff

A new survey of employers shows that broader may be better when it comes to higher learning. Despite students’ increasing interest in a college education that prepares them for a specific career, employers and the nature of the job market both appear to be demanding students with a wide knowledge base and flexible skills.

The survey, commissioned by the Association of American Colleges and Universities, an organization that advocates liberal arts education, was published yesterday. It focused both on what employers would like to see in new hires and on how well they think colleges are able to prepare students for the workforce.  Only one in four of the 302 employers surveyed felt that two-year and four-year colleges are currently doing a good job of preparing students for the challenges of the global economy. One in five believe that significant changes are needed in how colleges prepare students for the workforce and most wanted to see at least some changes made.

Many employers saw college education as increasingly important for job applicants: 28 percent said they would place more emphasis on hiring people with at least a bachelor’s degree in upcoming candidate searches. Nearly the same proportion, 25 percent, said they would be placing less emphasis on hiring people with no degree. The greatest increase in interest in candidates with a bachelor’s degree or higher comes from the largest employers—those with 500 or more employees. They reported 43% more emphasis on hiring candidates with a four-year degree.

Employers reported that degree attainment isn’t the only area in which their expectations for employees have increased. The vast majority of employers agreed with the following four statements about their company:

  • Our company is asking employees to take on more responsibilities and to use a broader set of skills than in the past (91%)
  • Employees are expected to work harder to coordinate with other departments than in the past (90%)
  • The challenges employees face within our company are more complex today than they were in the past (88%)
  • To succeed in our company, employees need higher levels of learning and knowledge today than they did in the past (88%)

To meet these increased expectations, employers overwhelmingly felt it would be helpful for students to pursue opportunities that are becoming common features of a liberal arts education, such as a capstone project that demonstrates their depth of knowledge and analytical skills (84%), an internship or community-based field project (81%), coursework that develops research skills (81%). They also expressed support for more education to build research skills, cultural awareness (both locally and globally), ethical thinking, and understanding of large challenges. An accompanying position paper from the AAC&U expanded on how colleges could foster these kinds of learning and thinking.

However, students do not have to wait for sweeping reforms in college education to take advantage of opportunities that will benefit them in the hiring process. Indeed, they might not have time. Of the employers surveyed, 38% expect to hire more people within the next year, and 54% plan to keep levels of employment steady, a sunnier outlook than was presented in another recent survey of employers. As the country comes out of the recession, recent college grads will be increasingly in demand, but they may also be in greater supply as many schools are currently experiencing record enrollment.

Luckily, at many colleges and universities you can find classes, internships, and other experiences now that will help prepare you for the workplace. If you’re a high school student working on your college search, focus on schools that emphasize research and offer numerous opportunities for internships and senior thesis projects. If you’re currently enrolled, take a variety of courses, especially ones that develop research and analytical skills, and see if your school currently offers internship experiences or opportunities for substantial research projects. By demonstrating through your experience and coursework that you’re both skilled in your subject area and able to learn and adapt, you may have an edge over your competition.

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Know Your Tax Benefit Options This Filing Season

February 3, 2010

by Scholarships.com Staff

Whether you're an independent filing your own taxes, or a dependent whose parents or guardians are covering a good portion of your tuition, it's a good idea to be aware of the tax credits and tax benefits you and your family members could be eligible for this filing season.

The federal government has estimated that up to 2 million tuition-paying Americans will receive as much as $2,500 back on their taxes when they file in both 2010 and 2011 by taking advantage of the American Opportunity Tax Credit. That credit was established through the American Recovery and Reinvestment Act. The American Opportunity Tax Credit, which can be claimed for tuition and certain fees you pay for higher education in 2009 and 2010, is targeted at low- and middle-income families, and isn't available to single filers earning more than $90,000 a year or couples earning more than $180,000. Even those who owe no taxes due to how little they make may receive refunds of up to $1,000.

The American Opportunity Tax Credit expanded (and renamed) the already existing Hope Credit. How did the two compare? 

  • The Hope Credit applied only to the first two years of college. The American Opportunity Tax Credit can be claimed for expenses for the first four years of post-secondary education.
  • The American Opportunity Tax Credit is a $700 increase over the Hope Credit.
  • The term "qualified tuition and related expenses" has been expanded to include expenses used for "course materials," which means books, supplies, and equipment needed for a course of study.
  • A qualified, nontaxable distribution from a Section 529 plan during 2009 or 2010 now includes the cost of the purchase of any computer technology, equipment, or Internet access and related services, if such purchases will be used by the beneficiary of the plan and the beneficiary's family during the time those beneficiaries are enrolled in an institution of higher education.

Other important facts before you file for an American Opportunity Tax Credit:

  • The credit is claimed using Form 8863, attached to Form 1040 or 1040A.
  • You have to choose between tax credits. You cannot claim the tuition and fees tax deduction in the same year that you claim the American Opportunity Tax Credit or the lifetime learning credit. (You should choose which one will offer you the best refund. It's fine to take advantage of all of your options.)
  • 60 percent of the American Opportunity Tax Credit is nonrefundable, so if your credit exceeds your tax, the difference isn't refunded to you.

Make sure you and your family are prepared this tax season, because the federal government does offer perks to going to - and paying for - higher education.

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Engineering and Technology Top Highest-Paying Majors

March 16, 2010

by Scholarships.com Staff

The National Association of Colleges and Employers (NACE) released its latest list of the highest-paying college majors of the class of 2010 last week, with engineering- and technology-related fields of study once again coming out on top.

This probably won''t come as much of a surprise to you. Engineering and technology majors consistently rank high on any list of highest-paying careers, and there have only been minor changes in the ranks over the last few years. (Information sciences and systems is a new addition to the list this year, coming in at 10th place.) The only non-engineering related degrees in the top 10 this time around were computer science and information sciences and systems. According to NACE, petroleum engineering earned the highest starting salary reported at the bachelor’s degree level ($86,220). That average starting salary was more than one-and-one-half times the average starting salary reported for bachelor’s degree graduates as a whole ($48,351). The average starting salary for all graduates has fallen about 2 percent since 2009, by the way.

It's certainly not always the case, but often, the more technical your skills are, the more potential you have of landing an impressive starting salary. There''s less competition in a field like petroleum engineering, for example, as it isn't the most popular of majors, so those engineers benefit from those odds with higher salaries. (Petroleum engineering degrees account for less than 1 percent of all bachelor’s degrees conferred, according to NACE.)

What does this mean for you liberal arts majors? Even you business majors may worry that you''ll have a tough time making ends meet, as business isn't exactly overrepresented on the NACE list. Still, not everyone is going to grow up to become an engineer. (And if they did, the list would surely shift, as it depends greatly on the supply and demand of new graduates.) Certainly, the kind of field you're interested in should play a big part when you're deciding on a college major. And most college students do still consider interest over salary potential when choosing their majors, as the most popular fields of study fall well outside petroleum engineering. (According to the U.S. Department of Education, the most popular college majors are in business, the social and health sciences, and education.)

Take the NACE list with a grain of salt, and don't change your focus to aeronautics just because of the pay potential. If you have no interest in one of those high-paying majors, chances are you'll have a tough time getting through a four-year program in that discipline, and if you do graduate, an even tougher time liking a job in a career you chose for the money. But if you are passionate about engineering and technology, that's great. You'll have a good starting salary to go along with a job you enjoy.

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Report Looks at Wikipedia Use of College Students

March 17, 2010

by Scholarships.com Staff

If you've had classes since 2001, the year the (in)famous online, user-edited encyclopedia was launched, chances are you're guilty of using Wikipedia as a source of information while completing your coursework. A new report from First Monday, an online peer-reviewed journal, took a look at just how prevalent the site has become on college campuses in particular (although high school students are probably just as bad offenders), and how students have begun to rely on Wikipedia as a resource.

According to the study, more than half of all respondents use Wikipedia frequently or always for course-related research. Students in architecture, engineering, or the sciences were more likely to use the site in their courses than other majors. (This could have something to do with the fact that students in social sciences like psychology or history must provide reference lists more often for papers they turn in, and citing Wikipedia simply won't fly on a college level essay.) The study surveyed 2,318 students, and took qualitative data from 86 of those students who participated in focus groups.

Other major findings of the study include the following:

  • Most students said they used Wikipedia for a summary about a topic (82 percent), the meaning of related terms (67 percent), and to get started on research (76 percent).
  • About 52 percent of the respondents were frequent Wikipedia users, even if an instructor advised against it.
  • Only 22 percent reported that they rarely, if ever, used Wikipedia.
  • About 17 percent used Wikipedia because they thought it was more credible than other sites.
  • Only about 2 percent used Wikipedia toward the end of their research process.
  • Overall, the strongest predictor of using Wikipedia was being someone who also used Google for course–related research.
  • Those enrolled in two–year campuses were less likely than those in four–year institutions to report that they used Wikipedia.

Whether you're writing a college essay or applying for an essay scholarship, here's a good rule of thumb on citing Wikipedia as a reference—don't do it. While the site can be an excellent tool for you to kick off your search, as the study above suggests, it simply isn't reliable enough to be taken seriously by academia. Anyone can add to and edit entries on the site, so it's always best to do some fact-checking after you get your Wikipedia summary prior to the start of the rest of your research. (Stephen Colbert proved this point when he edited Wikipedia articles on his own show, George Washington, and elephants, all while viewers watched. He also coined the term "wikiality," which refers to the reality that exists if you make something up and enough people agree with you.)

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Colleges Consider "Prior Learning" When Awarding Credit

March 18, 2010

by Scholarships.com Staff

As the number of returning adult students continues to grow and the "traditional" student population has only become more diverse to include those with backgrounds and life experience in varying fields of study, some schools are looking at rewarding those new students with credit hours for "prior learning," rather than prompting them to start over as most freshmen do.

A recent article in The Chronicle of Higher Education explores schools that consider academic achievements alongside individual accomplishments before students step onto campus, and look at their volunteerism, years in the military, or on-the-job training, among other life experiences. Formal assessments of those experiences are then used to evaluate incoming students as a way to award them credit hours, often as a replacement of general education coursework.

At Valdosta State University, professors conduct assessments of students' experiences by having them demonstrate what they already know about a certain field. The Chronicle describes a biology professor who awards credit to students who may have a background in science from volunteering to clean up local streams, for example, or lab experience. The school has been conducting such assessments for about a year and a half; the program started when the school decided to begin training students who had come from non-traditional backgrounds to become teachers.

At Empire State College, which is part of the State University of New York, students are able to write their own degree plans. Faculty committees and administrative offices review portfolios students craft based on their work experience in a particular field, for example, and determine how many credits students should receive based on that information. The school's administrators say having the students reflect on what they've learned before going to college helps them realize their potential and make obvious the kinds of skills they may have, as they are forced to put those talents on paper. At Inver Hills Community College, students are asked to complete two courses at the school before attempting a portfolio, which not only involves writing about their past experiences, but being able to discuss them.

Other schools conduct more standardized tests and formal assessments for students to demonstrate prior learning skills, such as the American Council on Education's evaluations of work and military training or the College Level Examination Program tests. According to the Chronicle and Stamats, a higher-education marketing company, the availability of credit for life experience is the top thing adults look for when selecting a school in their college search. About half of all schools have some kind of prior learning assessment available to students, according to the Council for Adult & Experiential Learning, so if you're a returning adult student, consider that the work you've already done could save you some time—and money—as you take on that college experience.

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Not Rejected, Not Accepted: Tips for Handling the Waiting List

April 6, 2010

by Scholarships.com Staff

While many students marked April 1 as the day they found out whether they were accepted or rejected to their first-choice colleges, many others were given a different response - placement to the waiting list. High school seniors are then faced with a tough decision. Should you take a risk and bank on placement at a school you're wait-listed at, even if you miss notification deadlines at schools you've been admitted to? Or should you cut your losses and inform the schools you've been wait-listed at that you'll be going elsewhere?

The waiting list generally benefits the colleges. The schools' administrators are able to wait until their own first-choice students make decisions on where they intend to attend, moving to those on the waiting list typically by May 1, once students' deadlines to notify the school of their choice have passed. The schools may also use the waiting list to fill gaps in their student population, according to The New York Times, offering eventual admittance to a student with a particular musical or athletic talent that the school had hoped to enroll in their first-choice pool.

Knowing this, it may seem like a risky endeavor to bet on a school choosing you out of the hundreds of other students on waiting lists. Still, many do choose to stay, especially at the most prestigious, private schools. At Yale University, for example, about two-thirds of students remain on the waiting list. (More than 900 were wait-listed at Yale this year.) Of those offered eventual admittance to Yale, a majority do choose to enroll there.

So what should you do? It really depends. Here are a few tips: 

     
  • If you know you won't be attending a school you're wait-listed at, notify them of your intentions right away. There's someone out there who does want that spot, and you may be keeping them from being placed at their top-choice school.
  •  
  • If you know you're sincerely interested in the school you're wait-listed at, let the school know that. Notify them immediately that you intend to wait for their decision, and send admissions staff a personal letter on why you want to go to that school. If they're your top choice, tell them. If you know any alumni from the school, ask them to write a letter on your behalf. This is the stage of the game where admissions officials are looking at every piece of information coming in on an applicant.
  •  
  • Ask for an interview. You wouldn't be wait-listed if you didn't have the academic credentials to attend their school, so the admissions office will now be looking at other factors - extracurricular activities, outside interests, and whether your personality is a good fit for their campus.
  •  
 While waiting lists are more common at private institutions where enrollment numbers are much lower and the unpredictability of students’ decisions about whether to enroll in those private schools is much higher, some schools have used the list as more of a strategy to deal with uncertainties in state budgets or over-enrollment. California's public university system is using waiting lists to deal with a record number of applicants this year and a state budget shortfall that has made it impossible for the school system to accept as many students as it had been admitting in year prior. This is the first time the state universities have used waiting lists, and students have until April 15 to remove their names from the lists or continue waiting until around the first week in June. Any new admittances will be determined by the outcome of the state's 2010-2011 budget negotiations.

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Making the Choice: Tips for Comparing Financial Aid Packages

April 15, 2010

by Scholarships.com Staff

As students begin evaluating their offers of acceptance from colleges, one factor may weigh more heavily than any other on the tough decisions of choosing the right school - financial aid. The financial aid opportunities School A offers to incoming freshmen that School B does not may be what makes or breaks the decision on where a student will enroll, even if School B is the student's "dream school." Comparing financial aid offers is then an integral process in the decision-making process, and unfortunately you don't have a lot of time to send your notice back to each school you've been accepted to. Here are some tips to navigate the process, and help you determine how to find the "best value":

  • Compare the scholarships and grants available at each school. Have you already been offered either, or has the school simply notified you of your eligibility for more free funding?
  • Compare student loan amounts. What may seem like the best offer at first may actually be anchored by a significant amount of student loan debt. Student loans should be your last resort as far as covering college costs.
  • Compare your expected family contributions. Schools may handle this piece of information differently, and may even accept more information about your family's financial situation after you've received your financial aid package. It's fine to question a school's offer, especially if there are big discrepancies between what each school is offering you.
  • Compare the tuition and fees of each school, and what that financial aid package covers. Some schools may offer you what appears to be an impressive amount of aid based on the cost of tuition alone, and you already know college costs include a lot more than that base price - fees, books and supplies, and room and board, for example.
  • Be aware of what you're eligible to receive next year. Some schools may offer a more impressive financial aid package to incoming freshmen, and pad students' offers the following year with more student loans. Do your research. Compare average student loan debts at each school, talk to students already attending each school, and be frank with your financial aid administrator.
Some students may have been lucky enough to have been accepted into a program that has offered them a tuition-free education. A recent article in USA Today took a look at colleges that offer to pay the tuition of all new students, despite all you've already read about tuition and fee increases across the country. Some are military schools that require a commitment from you to serve in the military post-graduation, but others are schools where there exists a need for new graduates, either due to the school's locations or lack of graduates in certain fields of study. Webb Institute, the Cooper Union for the Advancement of Science and Art, and the College of the Ozarks, for example, all offer tuition-free educations to students. Do you know of more? Tell us about them!

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Want a Scholarship? Follow the Rules!

June 11, 2010

by Scholarships.com Staff

It can’t be a good feeling to know that you could have been a contender for a generous scholarship but for the one piece of the application you failed to send to the award provider. Or that you were this close to winning an award to help pay for college but missed the deadline on providing supplementary materials. We can’t stress enough how important it is to follow the rules on each scholarship you apply for exactly, because one small misstep will not only send you to the bottom of the pile, it will most certainly take you out of the running for an award.

Thanks to free scholarship searches like ours, it’s easier than ever before to find scholarships. The harder part is obviously applying, but don’t assume you’re eligible for an award after a casual glance over the requirements. Take a close look at what each scholarship requires of you, and, if available, the official rules of each award, to make sure you meet all of the criteria. If you need to request an application through the mail, write a formal letter that you’ve proofread for any errors. Once you’re ready to submit your scholarship application, take a look at everything again, or have a fresh pair of eyes look over your materials. Most scholarships have quite a few applicants vying for that same award you’re applying for, so don’t give the scholarship provider a reason to deny you your chance.

Your work’s not quite over once you’ve submitted your application, even if you’ve followed the guidelines of that award to the letter. Your work may not even be over after you’re told you’ve won a particular scholarship. Take our own Area of Study Scholarships as an example. If you’re chosen as a winner of one of the 13 scholarships, based on the field of study you provide when you fill out a Scholarships.com profile, you’re expected to follow through on a few steps to help us determine whether you’re truly eligible to receive the award. Follow the rules we provide and respond by the deadline we give you, and we’ll send you a check for $1,000 to help cover your college costs. If you fail to reply, we’ll pick another lucky winner in your place. If you reply after we’ve already chosen another winner, you’re out of luck.

It sounds simple, but there have been instances where scholarship winners forfeit their prizes because they fail to follow-up after an award is announced or miss important deadlines. Scholarship providers are in the business of helping you with your college costs, and the best thanks you could give is following directions and being timely with your responses. Good luck out there!

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