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And the Least Indebted Graduates Are...

U.S. News Lists Schools with Lowest Average Debt for 2010 Grads

Dec 28, 2011

by Alexis Mattera

If you are a recent college graduate, those student loans you haven’t thought about in four or more years are about to come calling...and collecting. While some students’ debt tallies are quite large, the amounts owed by others are much more manageable.

U.S. News & World Report has reported that the average amount of student loan debt (defined as money loaned to students from colleges, financial institutions and the government, not including parent loans) for a 2010 college graduate was about $25,000 but this number truly varies depending on what school a student calls his or her alma mater: For example, 2010 graduates of Alice Lloyd College have an average total indebtedness of only $3,108 and those from Princeton owe just $4,385, due in large part to more grants, scholarships and work study that do not require repayment. Here are all of the schools that made the top 10 and the average amount of student loan debt 2010 graduates incurred:

Does this information have you reevaluating your college plans or financial aid choices?

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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Dealing With Your Admissions Decision

Dec 19, 2011

by Kara Coleman

So you’re a high school senior and you’ve just applied early to the school of your dreams. With those decision letters starting to roll in, all sorts of questions are probably running through your mind. What happens if you're accepted, deferred or – horror of horrors – rejected?

Let’s get the bad news out of the way first. If you receive a rejection letter, remember that it’s not the end of the world. Politely try to find out why you were denied admission and begin working on improvements. You’ve got a whole semester of high school left to study hard and enroll in challenging courses that show you’re a dedicated student. Don’t give up on your dream school, even if it means you must attend another college first. If you reapply after you have some college classes under your belt, admissions officers will see you are capable of doing college-level work. It’s also a really good idea to apply to more than one college in case you are not accepted into your dream school.

The same principles apply if your admission is deferred until a later date but the good news here is that you still have a shot at being accepted! Most likely, admissions officers just wants to review the entire pool of applicants before they make their decision. What you need to do now is update your resume as you win new awards or enroll in new clubs or activities and have someone write a new letter of recommendation. It will strengthen your chances of getting in!

If you do get accepted to the college of your dreams, don’t relax and get comfortable just yet! Take advantage of any AP or college-level courses available to you during this last semester of your senior year or over the summer. Explore your financial aid options to ensure you can afford to attend – new scholarships are announced every day! It’s also important to establish connections with the college by talking to your adviser and meeting your RA as soon as possible. If you plan on getting involved with student groups or clubs, contact the faculty advisers and let them know you are interested. That way, you will already have an edge your first day on campus!

This summer, Kara Coleman graduated from Gadsden State Community College with an Associate of Arts degree. She is currently studying communications with concentration in print journalism at Jacksonville State University Kara's writing has been featured in Teen Ink magazine and she is a children's author through Big Dif Books.

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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Berkeley Announces Aid Increase for Middle-Class Students

Dec 15, 2011

by Alexis Mattera

Not-so-breaking news: College is expensive and the costs associated with it show no sign of stopping their steady climb. What’s a college hopeful to do? Consider a school that’s finding ways to bridge the financial gap, like UC Berkeley.

Beginning next fall, Berkeley will amp up its financial aid contributions for middle-class students. School officials reported that while the number of low-income and wealthy students has increased over the last several years, the number from middle-class families has remained flat. Berkeley hopes to regain the interest of middle-class applicants by becoming the first public university to promise families earning between $80,000 and $140,000 a year will contribute no more than 15 percent of their annual incomes toward tuition.

This news – released just one day after Gov. Jerry Brown announced a $2.2 billion budget shortfall and another severe round of cuts to state colleges and universities – has already been dubbed a game changer by Terry W. Hartle: The senior vice president of the American Council on Education also believes other colleges will channel their competitive spirits and do whatever they can to offer similar programs. Learn more about Berkeley’s plan here then tell us what you think.

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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I Survived College Application Season...and You Will, Too!

Dec 15, 2011

by Julius Clayborn

I'm laughing a little while writing this article because of where I was a year ago on this very day – in my school's college counseling department frantically fine-tuning essays and putting the finishing touches on my applications. I also remember saying a small prayer before placing each application packet in the mail bin, hoping that a bit of divine intervention would make its way into the admission officers’ hearts. Boy, was I nervous!

The first semester of senior year can be a challenging one indeed. Making sure your grades stay on point in addition to trying to crafting the best college applications can be daunting and stressful. Luckily, I have a couple of tips on how to gain some sort of admissions edge as well as how to ease some of the college-related stress.

One of the most critical parts of a college application is the essay. Is there a prompt? If so, how do you respond to it? If not, then what do you write about? I am here to tell you that the admissions essay is about being willing to share yourself with complete strangers. You have to convey your highs, lows, strengths and flaws and for those reasons, your essay will never be perfect – your flaws are what make you distinguishable, appealing, unique and worthy of admission so focus on articulating this to the admissions officers and telling them why you deserve to be at their university.

I found myself an utter and complete wreck after a few weeks of applying to colleges. I began to overanalyze admissions statistics and as feelings of inadequacy crept in, I questioned my chances at certain schools. I psyched myself out when I should have known my own worth. Be aware of the contributions you would make to a university and remember your reasons for applying are valid. Don't sweat it because you’ve been sweating it for four years; give it your best shot and realize whatever happens is for the best.

One thing that we are not taught in school is that life always works out how it is supposed to. The application process will be worth it and all those doubts and fears will fall to the wayside when (not if!) you get that acceptance letter.

Julius Claybron was born on Chicago’s South Side in the Harold Ickes public housing projects. At the age of five, he lost his father to diabetes and was raised by his mother and grandmother, who helped him to enroll in Urban Prep Academy – a public all-male college-preparatory high school – during his sophomore year. Julius started to read when he was just two years old and still enjoys escaping in books during his spare time. He just began his freshman year at Cornell University this fall, where he plans to double major in psychology and English literature.

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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Meningitis and the College Student

Dec 9, 2011

by Lisa Lowdermilk

With the holidays just around the corner, the last thing you want to think about is getting sick. But with kissletoe (err...I mean mistletoe) in the hallways of the dorms and the impending threat of cold season, it's important that you do everything you can to stay healthy. Specifically, let's talk about meningitis – one of the biggest threats to college students' health today – and what you can to prevent it.

Meningitis is a serious illness which can cause headaches, fever, vomiting, sensitivity to light and more and if not properly treated, meningitis can lead to seizures, amputation, coma and even death. The way meningitis is spread varies depending on the type of meningitis (i.e. bacterial, viral, fungal, non-infectious, etc.). While not as contagious as the flu, bacterial meningitis is spread by coughing, sharing drinks or kissing.

Several things you can do to prevent meningitis include washing your hands properly, getting plenty of rest, not sharing drinks and getting vaccinated, though bacterial meningitis is the only type of meningitis which can be prevented with a vaccine. Because it's the most common type to afflict college students (as well as the most deadly), it's extremely important to get vaccinated before attending college. With that said, if you're already in college and haven't been vaccinated, now is the time to do so! In fact, beginning January 1st, Texas is requiring all incoming college students to get vaccinated prior to attending.

If you think you or someone you know might have symptoms of meningitis, see a doctor right away. Meningitis is treatable with antibiotics but only if you act in time!

Lisa Lowdermilk is a published poet, avid video gamer and artist. Her poems have appeared in Celebrate Young Poets: West (Fall 2006) edition and Widener University's The Blue Route. She enjoys watching thrillers, trying different restaurants and attempting to breakdance. Lisa is now majoring in professional writing at the University of Colorado Denver.

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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Is Your Dream School Affordable, Too?

Dec 2, 2011

by Scholarships.com Staff

When an acceptance letter arrives from your dream college, your first instinct may be to scream, cry and jump on your couch with Tom Cruise-caliber flair. Feel free to give in to those urges – hey, you earned it! – but realize you will soon have to figure out how to pay for your education. Can you really afford this school, not only while you’re attending but after you graduate as well? A new list from Kiplinger says your dream school could be a reality after all.

The list, which rates how well colleges actually do in making themselves affordable, includes schools with students who graduate with less than $20,000 in student loan debt on average. The Washington Post’s Daniel de Vise also weighed in, supplementing Kiplinger’s findings with data from the Institute for College Access and Success. Here’s what he found were the most affordable institutions based on the average amount of debt graduates carry:

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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Students Alter Online Identities During Admissions Season

Nov 30, 2011

by Alexis Mattera

Students applying to college have a lot on their plates. There are applications and essays to complete, campus visits to schedule and FAFSAs to navigate of course but college hopefuls are taking an additional step to up their admissions chances by participating in serious social media scrub downs.

With admissions officers looking beyond traditional application materials to select their students – the latest survey from Kaplan Test Prep found that 24 percent had visited applicants’ Facebook pages while 20 percent used Google searches – college applicants are creating alternate identities to disguise less-than-savory photos or comments on a number of social media sites. "Ask any senior in high school what his or her Facebook name is and you will find that they have morphed their FB identity into something slightly peculiar and mysterious that only their ‘friends’ can figure out," says Naomi Steinberg, owner of Apply Yourself Educational Consulting. And though students’ original online identities often reappear after admissions decisions have been made, Steinberg says the trend of social media expurgation will continue into the next phase of students’ lives as well, like when they begin applying for jobs.

College applicants, do you plan to tweak your social media persona as soon as your applications go out? Current college students, do you think online editing played a role in your acceptance?

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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A Little Loan Goes a Long Way

Nov 29, 2011

by Alexis Mattera

In recent years, college students have become more cautious about taking out loans to pay for school. There are multiple reasons for this – horror stories from friends or siblings, limited job prospects after graduation and high interest rates have all been cited – and while it’s an admirable goal to graduatefrom college debt-free, educators think this approach could actually hinder students from getting degrees.

According to a recent Associated Press article, students are attempting to limit borrowing by working longer hours, taking fewer credits (and often not enrolling full-time), living at home and attending less selective institutions. While educators are impressed with this level of fiscal responsibility, they are quick to point out that each action above is a risk factor that makes college students less likely to graduate. Borrowing could prevent this, said Deborah Santiago, co-founder and vice president of Excelencia in Education. "If you can take out a little bit of loan you're more likely to complete. If you can go to a more selective institution that gives you more resources and support, you're more likely to complete." How much more likely? Federal data analyzed by Excelencia and the Institute for Higher Education Policy (IHEP) in 2008 shows roughly 86 percent of students who borrow for college are able to attend full-time compared to 70 percent of students who don't borrow and roughly 60 percent of full-time students receive a bachelor's degree within eight years compared to 25 percent of part-time students.

What can be done to facilitate this message? Educators believe students need to better understand financial aid, the difference between types of loans, debt management and the returns on various degrees and majors. In addition to searching for scholarships and grants, is borrowing part of your financial aid plan and does this information make you more or less likely to take out a loan?

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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This Thursday, Be Thankful for Your Options

Nov 22, 2011

by Angela Andaloro

Thanksgiving is right around the corner and many college students are planning to head home to celebrate. It’s no easy feat, either: With the cost of travel and the chaos attached to traveling during one of the busiest weeks of the year, it’s not always possible for students to get home for the break. That doesn’t mean that Thanksgiving has to go out the window; in fact, there are tons of alternatives to traditional Thanksgiving for college students staying on campus.

See what’s going on at your campus. You’re not alone if you’re staying at school for Thanksgiving. Many students find themselves too far from home to return for a few short days so find out what your campus is doing for students sticking around. Some schools offer a Thanksgiving-style meal in their cafeterias or nearby eateries.

Volunteer your time. While not being able to be with your family might be upsetting, there are many others who have it worse. Thanksgiving is the perfect time to volunteer at a soup kitchen or shelter. Doing so can really strengthen your gratitude and teach you to show your appreciation for what you do have.

Skype with your family. It might not be the same as being there in the flesh but you can still partake in your family’s holiday thanks to technology. It could very well be your Thanksgiving tradition for four years!

Whatever you decide to do for Thanksgiving, make sure you stop and give thanks for all the great things in your life. And remember, Christmas, Hanukkah and Kwanzaa are just a few short weeks away! Have you ever spent your Thanksgiving on campus? How did you celebrate? Let us know in the comments.

Angela Andaloro is a junior at Pace University’s New York City campus, where she is double majoring in communication studies and English. Like most things in New York City, her life and college experience is far from typical – she commutes to school from her home in Flushing and took nearly a semester’s worth of classes online – but she still likes to hang out with friends, go to parties and feed her social networking addiction like your “average” college student.

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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What Really Matters to College Admissions Officers?

Nov 21, 2011

by Kara Coleman

The National Association for College Admission Counseling recently released a list of the top 10 things college admissions officers consider to be most important in an applicant. When I read it, I was surprised to find that extracurricular activities didn't make the cut! There have been many times when I have said or heard someone else say, “That will look good on a college application.” After all, there is something impressive about being SGA president or being actively involved in a service organization like Key Club. Unfortunately, the data say otherwise.

So if you are a high school junior or senior thinking about college, what should you do? Developing good study habits is extremely important – learning IS the point of attending school! – but don’t sacrifice your extracurriculars. College admissions officers may not consider them to be important but involvement in your school, church and community is oftentimes a big factor when dealing with scholarship applications. When I was in high school, I was a mentor with Big Brothers Big Sisters and writing an essay about that experience garnered me a $1,000 scholarship from Coca-Cola during my second semester in college. Even if you don’t end up with scholarship bucks, there is no price to be placed on the leadership skills and character development that can result from getting involved.

So what do you think? Should college admissions officers place a higher value on what you do outside the classroom or should academics be all that matters?

This summer, Kara Coleman graduated from Gadsden State Community College with an Associate of Arts degree. She is currently studying communications with concentration in print journalism at Jacksonville State University Kara's writing has been featured in Teen Ink magazine and she is a children's author through Big Dif Books.

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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The Importance of Letters of Recommendation

Nov 18, 2011

by Jessica Seals

When I first began attending college, my agenda included getting good grades and making new friends. No one told me how important it is to establish relationships with my professors and up until my junior year, I did not put a great deal of effort toward creating and maintaining these connections. It was only when I began looking into law school admissions requirements that I noticed I would need multiple letters of recommendation from professors to complete my applications.

So what did I do? I began by taking more challenging classes with professors I already had so they could get to know me, my work ethic and future goals. Now that the law school application process is in full swing, I am fortunate enough to say that I have already designated which teachers will write my letters of recommendation. Though our relationships are now quite strong, I am also providing my resume so they can easily reference my past accomplishments as they write.

I have seen classmates struggle to get good letters of recommendation because they only did what they had to do to get by. If you plan on going to graduate or professional school, you will need letters of recommendation and it’s never too early to begin the process. Believe me, the law school application process is taxing but my stress level was cut down significantly because I made the right connections with my professors.

Jessica Seals is currently a senior at the University of Memphis majoring in political science and minoring in English. At the University of Memphis, she is the secretary of the Pre-Law Society, the philanthropy chair of the Phi Kappa Phi Student Council and a member of Professional Assertive United Sisters of Excellence (PAUSE), Golden Key Honor Society, Alpha Lambda Delta Honor Society, Sigma Alpha Lambda Honor Society, and Black Scholars Unlimited. She also volunteers to tutor her fellow classmates and hopes to attend law school in the near future.

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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