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Montana State Aims to Up Graduation Rate

Nov 1, 2010

by Alexis Mattera

Montana State University has a glass-half-full outlook when it comes to graduation rates but its students aren’t exactly sharing that mentality: Though the school announced it had enrolled record 13,559 students for the fall semester, only half that number will make it to graduation day.

Graduation rates aren’t that different nationwide – about 57 percent of students who enroll in U.S. four-year colleges earn a degree in six years, according to the National Center for Education Statistics – but these low numbers are cause for concern and in order to reach President Obama’s goal of making America the leader in college graduates by 2020, the country’s public universities need to do whatever they can to shed the label of "failure factories." Things are looking up for MSU for the time being, though: The retention rate for last year's freshmen who returned this fall was 74 percent - 2 points higher than last year and a record for the past 10 years.

So what’s being done in the Treasure State? MSU President Waded Cruzado says she plans to renew attention to the goal of graduation with the help of the Montana Board of Regents by getting more people to earn two-year or four-year degrees. But why are so many MSU students are dropping out in the first place? Despite the less-than-favorable economy, finding money for college isn’t the issue; instead, students surveyed cited lack of direction, affinity/connection with the school and overall interest in college classes. MSU is responding by ramping up its career coaching with freshmen and advising to help undecided students pick a major and launching a campaign to lure back former students who have left the university in the last three years.

The university is doing much more than what’s listed above (check out yesterday’s article in the Bozeman Daily Chronicle) but will any of it work? Students leave school for myriad reasons and sometimes no amount of advising, coaching or incentives can change that. Then again, an extra push can make a difference for many students on the fence about their education. How would you respond to MSU’s initiatives?

And remember, there’s no need to rely on expensive student loan options to pay for your college education. For more information on finding free scholarship money for college, conduct a Scholarships.com free college scholarship search today, then apply and win! It’s that easy!

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Unemployed Boston College Law Student Wants a Refund

Oct 28, 2010

by Suada Kolovic

Recent college graduates entered one of the worse job markets in history. And while some have opted to stick it out busing tables to pay the debt caused by their college education, a third-year Boston College Law School student decided he wasn’t willing to bear the cost of an education that did not guarantee a job upon completion. In an open letter posted on EagleiOnline — an online student-run newspaper at BC’s law school — the anonymous student made a proposition to the school’s dean: Refund his tuition and he’ll leave school without a degree.

The student explained that the lackluster job market, a massive student loan debt load and his wife's pregnancy were all causing him undue stress. And he went on to say, “This will benefit both of us: on the one hand, I will be free to return to the teaching career I left to come here. I'll be able to provide for my family without the crushing weight of my law school loans. On the other hand, this will help BC Law go up in the rankings, since you will not have to report my unemployment at graduation to US News.”

How did the school respond? Shockingly enough, BC did not meet the student’s request. According to the Boston Herald, the law school said in a statement that while it is "deeply concerned" about its students' job prospects no institution of higher education can guarantee a job after graduation. "What we can do is provide the best education possible, and work together to provide as many career opportunities as possible," the statement said.

What do you think? Should tuition be conditional?

And remember, there’s no need to rely on expensive student loan options to pay for your college education. For more information on finding free scholarship money for college, conduct a Scholarships.com free college scholarship search today, then apply and win! It’s that easy!

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Credit-Card Companies Paid Colleges Almost $84-Million

Payment Based on Cards Issued to Students and Alumni

Oct 27, 2010

by Suada Kolovic

As a college student, I must admit I was duped into opening a credit card my freshman year. I was lured in by the fact that all my friends were rockin’ their free TCF sweaters and, of course, the concept they pushed of “buy now, pay later.” But credit-card companies marketing themselves heavily on college campuses isn’t new: It’s the perfect place to find new customers who are low on cash and looking for a sweet deal. But have you ever wondered why some colleges allow TCF on campus as opposed to Bank of America- they pay to be there. That may not be the shock of the century but with payments hovering at almost $84 million, you have to question the ethics of it. According to a report released by the Federal Reserve Board, credit-card companies paid $83.5 million to colleges, their foundations and alumni organizations last year under agreements that allow them to market credit cards to students and alumni. Under the agreements, schools and affiliated groups were generally paid for each account opened.

Why were credit-card companies willing to disclose such details? Under the Credit Card Accountability Responsibility and Disclosure Act of 2009, credit-card issuers are required to submit their agreements with colleges and related organizations to the Board of Governors of the Federal Reserve; they must also disclose the total number of opened accounts. Of the agreements reported, about 40 percent were with colleges and 33 percent were with alumni associations. The agreements resulted in the opening of 53,000 accounts in 2009.

The college with the most accounts was Penn State Alumni Association at 1,600 and they were paid $2.8 million by the card issuer FIA Card Services, a subsidiary of Bank of America. The University of Illinois Alumni Association received the most money at about $3.3 million. If you’re interested about your school’s agreement with credit card issuers, check out the Federal Reserve database.

The agreements, certainly ones that involve marketing credit cards to students, can be considered predatory in nature. An examination of this year’s contracts found that they required colleges to provide personal information about their students and, in some cases, even paid the institutions extra when students carried a balance on their cards. And with what sounds like colleges profiting from student debt, it would seem that “free sweater” doesn’t seem like such a sweet deal after all.

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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Community College Tuition Rise Looming

Community Colleges Charging More For In-Demand Programs

Oct 26, 2010

by Suada Kolovic

As state funding for higher education across the country continues to shrink, more community colleges are considering charging higher tuition rates for costly career and technology programs. This notion of charging differential tuition is definitely a new concept for community colleges and Pima Community College, in Tucson, Ariz., is exploring the idea after having its state appropriation cut by 30 percent in two years. Some of the college’s most popular programs, like nursing and avionics, would be among those charging a premium.

“It looks like we’ll have budget cuts for the foreseeable future,” said Roy Flores, the college’s chancellor. “I’m mindful of price elasticity and that some students might be shut out if the price goes too high.… But it’s a balancing act, and we’re a long way from shutting people out.” In 2009, the college’s enrollment grew by nearly 14 percent, with a high demand for occupational programs, such as those in the health sciences and engineering. And the reality is, these programs are more expensive due to low student-teacher ratios they must maintain and the expensive training equipment required.

It is interesting to note that in states like Arizona, where there is no state community college board or coordinator board for all of public higher education, individual institutions and community college districts can set their own tuition polices. So, while currently in-state tuition at Pima is $53 per credit hour, it may not be too long before there is an increase for in-demand workforce programs. Flores insisted, “We would just want to close up that gap a little bit. We have yet to do an analysis on this, but my… estimate would be that there would be somewhere between a 10 and 30 percent premium charged for these courses. And it would be phased in, of course, and not brought on all at once.”

And remember, there’s no need to rely on expensive student loan options to pay for your college education. For more information on finding free scholarship money for college, conduct a Scholarships.com free college scholarship search today, then apply and win! It’s that easy!

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The End of Traditional Textbooks is Near

Colleges to Force Switch to E-Textbooks

Oct 25, 2010

by Suada Kolovic

The start of every new semester calls for a new set of textbooks- very expensive textbooks. Students can’t really think about the cost of college today without factoring in the skyrocketing cost of textbooks. For years students have improvised on ways to dodge buying a new copy- purchasing a used one, borrowing a copy from the library, sharing with a friend, renting one, downloading an illegal version, or simply going without. We recently posted about how e-textbooks and textbook rental services are saving students money but it may not be too long before they’ll be a students’ only option. The plan is to have colleges require students to pay a course-materials fee, which would be used to buy e-books for all of them (whatever text the professor recommend, just as in the old model).

And why not? Electronic copies are far cheaper to produce than printed text, making a bulk purchase more feasible and with colleges ordering books by the hundreds of thousands, they can negotiate a much better rate than students were able to get on their own, even for used books. The hope is to thwart the possibility of students dropping out because they could not afford textbooks, whose average price rose 186 percent between 1986 and 2005, and continue to shoot up each year faster than inflation.

"When students pay more for new textbooks than tuition in a year, then something's wrong," says Rand S. Spiwak, executive vice president at Daytona State, who is leading the experiment there. "Our game plan is to bring the cost of textbooks down by 75 to 80 percent."

But not everyone is buying into the hype of the e-textbook. Issues of ethics have aroused, for instance, what if a professor wrote the textbook assigned for his or her class? Is it ethical to force students to buy it, even at a reduced rate? And what if students feel they are better off on their own, where they have the option of sharing or borrowing a book at no cost?

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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The Deal with Debt

Who Owes What, Where and Why

Oct 22, 2010

by Alexis Mattera

$24,000. To a recent graduate, that five-figure number could be 1. their starting salary at their first entry-level job or 2. the amount of student loan debt they have accrued while in school.

We’re going to talk about the second choice this morning, as a study by Peterson’s and the Project on Student Debt just revealed it was the average amount owed by graduates of the class of 2009. The study broke down debt levels by state and school (D.C. graduates had the highest while Utah students had the lowest) but did not include debt levels for graduates of for-profit schools because of a lack of data.

Arriving at these tallies didn’t come easy for the Project on Student Debt, which adjusted the averages initially recorded by Peterson’s ($22,500 and 58 percent of students who borrowed) because it felt they were too low when compared to the statistics recorded last year by the National Post Secondary Student Aid Study ($22,750 and 65 percent).

You may be one of the lucky students who scored enough scholarships and grants to have a degree in hand and no debt in sight or you may be flipping couch cushions in search of change to put toward your next payment but what do you think of these findings? A college degree certainly doesn’t come cheap these days!

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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Obama Extends an "Opportunity" to College Students

The American Opportunity Tax Credit, That Is

Oct 13, 2010

by Suada Kolovic

The financial aid process can be a daunting one but if you’re planning on attending college any time soon, you should know that there are tons of federal student aid options out there – from Pell Grants to Perkins Loans to FAFSA – but your eligibility to receive aid depends on your level of need and, subsequently, how much aid you are eligible to receive. So, to the folks right in the middle: How does a tax credit sound? The American Opportunity Tax Credit, created in the 2009 economic stimulus bill, expires in 2010, but President Obama has proposed making it permanent, with a price tag of $58 billion over 10 years.

Now what does this mean to you? Because the Opportunity Tax Credit is more generous than its predecessor, the Hope Tax Credit, it provides a credit of up to $2,500 rather than $1,800 and it phases out at a higher income level – $160,000 for married couples filing jointly instead of $100,000. According to a report by the Department of Treasury, it’s also partially refundable so students and families with little or no tax liability can receive up to $1,000 of it as a tax refund. The report comes as lawmakers are debating a bill to extend several expiring tax credits. Recent versions would not extend the American Opportunity Tax Credit, but President Obama hopes lawmakers will reconsider.

"The president obviously feels strongly that this is an important relief for middle-class families," said Gene Sperling, counselor to the Treasury Secretary.

And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It’s that easy!

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College Dropouts Cost Taxpayers Billions

Oct 12, 2010

by Suada Kolovic

Dropping out of college would surely ruffle a few feathers at home, but it seems mom and dad may not be the only ones affected. While dropping out after a year can translate into lost time and a mountain of debt for the student, now there’s an estimate of what it costs taxpayers: billions.

According to a report released Monday, states appropriated almost $6.2 billion for four-year colleges and universities between 2003 and 2008 to help pay for the education of students who did not return for year two. The report takes into account spending on average per-student state appropriations, state grants and federal grants – such as Pell grants for low-income students – then reaches its cost conclusions based on students retention rates. It’s worth mentioning though that the report’s conclusions are considered incomplete: Because it’s based on data from the U.S. Education Department, it does not take account of students who attend part time, who leave college in order to transfer to another institution, or who drop out but return later to receive their degrees.

And with figures in the billions, critics agree that too many students are attending four-year schools – and that pushing them to finish wastes even more taxpayer money. Robert Lerman, an American University economics professor, questions promoting college for all. He said the reports fleshes out the reality of high dropout rates. But it could just as easily be used to argue that less-prepared, less-motivated students are better off not going to college."Getting them to go a second year might waste even more money," Lerman said. "Who knows?"

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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Textbook Alternatives = Big Savings

Open Books, Rentals Preserve Students’ Funds

Oct 8, 2010

by Alexis Mattera

As a college student, my pockets were far from deep but they got even shallower when I stopped at the co-op to buy my books at the beginning of each semester. My wallet and I loathed the astronomical price tags (even for used copies!) with a passion because we both knew there had to be a way for me to get books and not be forced to subsist on Top Ramen until my next break. I was right…just kind of bummed it didn’t happen during my collegiate tenure.

Data from the Student Public Interest Research Group’s new survey disclose textbooks available for free online or sold in print for low cost could slash students’ textbook bills from $900 to $184 each year. Using eBooks and textbook rental services like BookRenter.com and Chegg.com can also reduce book costs by $300. Though 93 percent of students surveyed said they would rent “at least some of their textbooks,” Cerritos College student Donald Pass prefers the flexibility of open textbooks because he could read the material for free online, purchase a print copy with study aids or print it himself. (Daytona State's administration agrees and will begin offering eBook access to students this coming January.) Professors like Lon Mitchell of Virginia Commonwealth University, however, say this option is troublesome because students often bring only limited sections of text to class, making it difficult for instructors to review supplemental material in different chapters. Mitchell also said that a number of his students have resisted the online versions of the open textbooks because compared to the print versions, they felt the online text was lacking.

I hear what Mitchell is saying loud and clear but if a student can reduce their spending by up to 80 percent by using open books and textbook rentals, I have a feeling print editions are going to be seen less and less as the years go by. Students, are you utilizing eBooks and textbook rentals or are you still relying solely on hard copies you don't have to share or return? If you’re using both, is there a noticeable difference in the material quality like Mitchell said? What's your preference between these options?

And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It’s that easy!

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An Unfair Hike

California Supreme Court May Up Tuition for Illegal Immigrants

Oct 7, 2010

by Alexis Mattera

Proposed tuition increases at several institutions have been in the news lately. While the ones being discussed at the University of Colorado and Adams State College will affect all students as the schools compensate for the lack of state funding, California’s are targeting one specific sect of the student population: illegal immigrants.

No official ruling has been made yet (one is expected within 90 days) but California’s Supreme Court is currently reviewing whether illegal immigrants must pay higher tuition at state universities. The arguments center on a 2002 law that allows anyone graduating from a California high school can pay in-state tuition at a California state school – a law that more than 40 out-of-state students from the University of California and other public colleges say violates federal immigration law. If the court rules in the students’ favor, illegal immigrants will be required to pay out-of-state tuition. To put the cost in perspective, that would be $34,000 per year instead of $11,300 at the University of California. That’s not pocket change.

As someone who once paid out-of-state tuition and has the student loan bills to prove it, I can say from experience that ponying up the monetary difference isn’t fun…but if I was living in-state and got slapped with a tuition bill more than triple what I was expecting to pay, wow. It doesn’t matter if you’re living in California or the Carolinas, are a citizen or in this country illegally, how do you feel about this proposal and the impact it could have if it’s passed?

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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Win a Scholarship Surfing the Web

ScholarshipPoints.com

Oct 4, 2010

by Suada Kolovic

Looking for a scholarship that doesn’t require an essay? Well, look no further than ScholarshipPoints.com for your chance to win a $1,000 scholarship. ScholarshipPoints is free to join, fun to participate in, and provides you with the opportunity to win thousands of dollars in scholarships every month. Members earn scholarship points for doing what they already do online: shopping, reading blogs, playing games, searching the web, taking surveys, and more! The more you do – the more points you earn – the more chances you have at winning a scholarship. Our members won $75,000 in scholarships in 2009 and we're hoping to give away $100,000 in scholarships in 2010. Join today and you could be our next scholarship winner!

And remember, there’s no need to rely on expensive student loan options to pay for your college education. For more information on finding free scholarship money for college, conduct a Scholarships.com free college scholarship search today, then apply and win! It’s that easy!

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