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by Jessica Seals

Throughout my undergraduate career, I was lucky enough to be the recipient of scholarships and grants that helped cover my tuition and other fees. Thousands of other college students across the country also rely on this free money to pay for their education and we should all be taking note of the fact that many financial aid options that we have to help pay for college are being eliminated or being heavily restricted. For example, two years ago I was able to take summer classes and receive a Pell Grant because the government allowed students to receive it during the fall, spring and summer semesters. Now, students are only eligible to receive the grant two semesters out of the year which means that a student cannot put the funds toward summer classes if they’ve already applied them to the fall and spring semesters for that academic year.

Many people already decide not to enroll in college because they do not feel like they can afford it. Cutting down on the usage of the Pell Grant can force many students to skip summer classes and send them down a slippery slope, as more students will be forced to stay in school longer and accrue more debt from student loans. Classrooms will become emptier during summer sessions and colleges hard-pressed for funds could raise tuition to compensate. The problem will continue to spiral out of control and lead to more reasons why people opt out of attending college.

We all should become more aware of the decreases that are being made towards higher education spending. The changes affect all of us and if we can all become aware of them, we’ll be able to take (and guide others along) the necessary route to make sure that paying for school is a lot less stressful.

Jessica Seals is recent graduate of the University of Memphis, where she majored in political science and minored in English. She was 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. Jessica will be back at Memphis this fall to begin working toward her master’s degree in political science this fall; she ultimately hopes to attend law school.

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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Want More Financial Aid Info? Help is On the Way!

Ten Schools Commit to More Financial Aid Disclosure

Jun 6, 2012

by Alexis Mattera

With student loan debt now totaling more than $1 trillion, current and would-be college students need access to financial aid information more than ever before. The good news is that universities across the country are doing their best to make the facts as clear and available as possible in the near future.

Ten schools – Arizona State, Miami Dade College, North Carolina A&T State University, Syracuse, UNC Chapel Hill, Vassar and the state university systems in Maryland, Massachusetts, New York and Texas – have committed to providing key funding information to all incoming students as part of their financial aid packages starting in the 2013-14 school year. The details will include the cost of one year of college, financial aid options such as grants and scholarships, estimated monthly payments after graduation on federal student loans and comparative data about graduation and loan repayment rates. According to the White House, this disclosure will play a vital role in making college more affordable for all students: "Too often, students and families face confusion when comparing financial aid packages, some of which do not clearly differentiate loans from grants, nor distinguish private vs. federal loans, making it difficult to compare aid offers side-by-side. Clarity and accessibility of information is necessary so that students and families can make informed decisions about where to attend college, so they can choose a school that is best suited to their financial and educational goals."

What do you think of this plan? Do you think it will help students better understand financial aid or is the effort too little and too late?

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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by Alexis Mattera

Cost plays a huge role in many students’ college choices. Depending on their financial situation, some students dismiss the schools with high tuition in favor of lower-cost in-state schools because they think it will save them money. In actuality, they could be doing themselves an economic disservice in the long run.

Using data from U.S. News and World Report’s most recent student debt survey of 25 top-ranking public and private schools, Reuters revealed that, on average, 53 percent of students surveyed received financial aid and at least half of students at most of the institutions graduated debt-free...but it depends on what school they attended: Princeton graduates, for example, owed only $5,000 at commencement while University of Michigan graduates owed more than $27,000 despite Michigan’s in-state costs being less than half of Princeton’s. How is this possible? Numerous schools including Princeton, Caltech, Davidson College and the University of Washington have eliminated student loans from their financial aid packages and others like Harvard, Stanford and UC Berkeley have capped contributions for students from low- and middle-income families. (Check out the entire article here, including this handy infographic.)

While it is difficult for many students to attend college without taking out some kind of loan – especially those attending state-run institutions which don’t have the fiscal means to eliminate debt – it is possible to avoid debt if you choose the right school. Thoughts?

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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by Alexis Mattera

At this point in the year, high school seniors and transfer students know where they’ll be heading in the fall...unless they don’t. It’s not uncommon for a student to have second thoughts about the school they committed to or receive the news that they didn’t get off the wait list at their school of choice after enrollment deadlines for other potential schools had passed. If this sounds like you, you don’t have to put your post-secondary aspirations on hold: NACAC’s Space Availability Survey has revealed hundreds of schools that are still accepting freshman and/or transfer applications for the fall semester. Check out a sampling below:

The list will be updated regularly here – will this information help you in your college search?

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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by Lisa Lowdermilk

If you had to guess, what percentage of students start college and actually finish it? According to a study conducted by the Organization for Economic Cooperation and Development, only 46 percent of students who started college earned degrees in 2010. Hefty student loans and interest rates, stress and being academically unprepared are amongst the many reasons college drop-outs cite; some students report being as much as $50,000 in debt before graduation with no viable means of paying it off.

Given this info, it’s really important that you consider if college is right for you before applying, especially if the field you’re thinking about going into doesn’t require a degree. There are still plenty of great job opportunities for people who think college may not be for them, including air traffic control and locomotive engineering. That’s not to say, however, that a college degree is overrated. According to a study conducted by Georgetown’s Center on Education and the Workforce, bachelor’s degree holders earn 84 percent more than high school graduates during their lifetimes. And while there are still plenty of jobs that don’t require a degree, virtually every employer will prefer a college graduate over a high school graduate.

My goal here is not to discourage anyone from attending college; instead, I want to present both sides of the argument so that you can commit 100 percent to furthering your education or, alternatively, seek out a job that doesn’t require a degree. It’s better to recognize now that you won’t be able to commit to college than be forced to drop out and pay back $50,000 in student loans later. No matter which path you choose, one thing’s for sure: You’ll have to work hard if you want to succeed!

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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by Alexis Mattera

Many students think they know what it takes to get into the college of their choice but with record-low admissions rates, insufficient financial aid and increasing student loan debt, the path to higher education is not as clear-cut as it once was. Good grades and high standardized test scores aren’t enough anymore – the incoming freshman class at Berkeley, for example, includes an expert Ping-Pong player, an Irish dancer and a figure skater, as well as a TV star and a champion roller skater – but what if you don’t have the access to even that kind of basic information? The filmmakers behind "First Generation" hope to explain just that.

Adam and Jaye Fenderson's first feature film follows four students – an inner city athlete, a small town waitress, a Samoan warrior dancer and the daughter of migrant field workers – through as they apply to college and attempt to be the first members of their families to attend college. "First Generation" explores how, despite these students all possessing valuable attributes inside and outside of the classroom, the absence of college graduates in a family can result in a lack of financial support and a shortage of knowledge about the college admissions process as a whole.

Check out the trailer here when you have a minute and let us know what you think. If you are or will be a first generation college student, could you relate to the individuals featured? Do you think "First Generation" should be viewed by all students applying to college? Weigh in in the comments section!

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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by Alexis Mattera

Enrollment deposits are due at many colleges around the country in 11 days and while some students committed to colleges within hours of receiving their acceptance letters, others are still weighing their higher ed options. As the deadline draws closer, don’t choose a college by tossing a dart at a map or playing eeny meeny with your admissions offers – consider these tips from U.S. News:

Plan another visit. Sure you went on the traditional tour last time you visited Big State U or Fancy Private College but this time, skip the campus-sponsored activities to get the true experience of what it’s like to attend that particular school.

Contact former classmates. If you know a few students who matriculated to the school you’re considering, get in touch with them. It’s never been easier to do via the myriad social networking sites out there and they’ll provide insight you won’t find in the brochures!

Don’t forget costs. You may have been accepted to your first-choice school but you didn’t receive the grants, scholarships and merit-based aid you were hoping for. Minimize the amount of debt you’ll accrue from taking out hefty student loans by reconsidering your second- or third-choice school...and its more-than-generous financial aid package.

You can read the rest of U.S. News' tips here but we’re curious as to how our readers made their college decisions. Did you employ any of the strategies listed above? Are you still trying to choose your school? Let us know what worked for you!

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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by Alexis Mattera

When I moved into my freshman dorm at UConn, I was one of the few out-of-state students on my floor. It wasn’t a bad thing by any means – I made a lot of friends through conversations that began with someone asking "Hey, can you say [any word ending in R]?" because they wanted to hear my thick Boston accent in action – but it was certainly foreshadowing for today’s abundance of non-residents at state schools.

According to an article in today’s San Francisco Chronicle, the number of non-Californians accepted as freshmen to the UC system has nearly doubled in just two years. Twenty-three percent of all students admitted for this fall hail from other states or nations, partly because non-residents pay nearly three times the tuition and fees of in-state students – a huge boon for UC, which has had its budget cut by about $1 billion during the last few years. In-state students’ college costs are heavily subsidized with public funds and the nine undergraduate campuses simply don’t have the money to cover the cost of educating them, though UC officials insist that no eligible Californian is denied admission because of non-resident students.) In addition to funding woes, applicants also had to contend with increasing selectivity: UC admitted just 64 percent of the students who applied...and just 21 percent at Berkeley and UCLA.

There were some positive aspects to UC’s announcement (the Merced campus accepted 75 percent of applicants, more students of color were admitted systemwide and an additional 2,100 California graduates gained admission over last year) but what do you think of the influx of non-residents at state colleges and universities?

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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by Kayla Herrera

Everything is blooming and trees are awakening with widening leaves stretching up toward the sky. The birds are chirping and don’t forget the sound of graduation gowns sweeping across the floor! I should be graduating this year but like so many other college students my age, I have been thrown more than a few curveballs in my time in school and I have another year to go before I can enter into the workforce full-time. I want to assure you that this is okay and completely normal!

Here at Michigan Tech, we have a five-year plan. In order to graduate from Michigan Tech in four years, one must take 18 credits every semester, not including summer semesters. Not a fan of killing yourself with books, papers, exams, labs and a part-time job and would prefer to enjoy your time in college? That mentality is adopted by most students at Michigan Tech, making those who graduate in four years or fewer the minority.

Let’s face it – things happen: You change your major and have some serious catching up to do in prerequisite classes, you have a death in the family, you become seriously ill and take a semester off, or you just want to study abroad for a while. And that’s all more than fine, people! Yes, money is a huge issue (you can combat this by finding as many scholarships and grants as possible!) but at least we didn’t develop serious illnesses because of stress in an overworked educational environment!

My advice? Take it easy and give yourself time to soak in all of the new information you are learning. Remember, don’t let anyone make you feel inferior for needing to stay in school for an extra year or two. There are colleges out there, just like mine, where the majority of students are on five-year plans – you just have to find them.

In addition to being a Scholarships.com virtual intern, Michigan Tech student Kayla Herrera is a media coordinator for the Michigan Tech Youth Programs and is a writer for The Daily News in Iron Mountain, Mich., Examiner.com and WHOA Magazine. She love a tantalizing, action-packed video game and can't get enough of horror movies (Stephen King's books always have her in their grip, though she prefers the old over the new). Writing is what she has always done, and that is what she is here to do.

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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by Alexis Mattera

It may feel like we’ve skipped winter but federal aid is about to be put on ice for college hopefuls lacking high school diplomas or GEDs.

As of July 1st, newly-enrolled students will no longer be allowed to take an "ability to benefit" test or complete a set amount of credits without aid; instead, college students will be required to have high school diplomas or GEDs in order to receive federal financial aid. How will these students – many of whom are older, seeking training to find a new job, immigrants and students in states like California where the basic adult education budget has been cut – pay for school? College administrators anticipate they will turn to private loans...or give up on their degrees entirely.

David Baime, vice president for government relations at the American Association of Community Colleges, says the change “runs counter to the missions of many of our colleges,” as these schools view enrolling students without high school credentials as a key part of providing access to higher education: There are currently about 836,000 students without high school diplomas or GEDs enrolled at two-year public colleges nationwide and according to a limited 2006-2007 Education Department study, students without high school diplomas and GEDs were ultimately more successful in college and had higher GPAs than their classmates with high school diplomas, even if they failed the "ability to benefit" test. If would-be students have to get a GED before going to college and receive zero financial assistance while they prepare, Baime says many will opt out altogether.

What do you think of the new rule regarding federal aid? Do you think a high school diploma or GED is necessary to succeed in college?

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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by Suada Kolovic

With the cost of a college education rising relentlessly and our economy still downturned, students are faced with a tragic catch-22: either become saddled with overwhelming debt or forgo a college education and limit your career possibilities. But are those the only options? What if students could prosecute their alma maters because they were misled by high job placement rates? Well if you pursued law school, chances are your college will soon be in the midst of a similar situation.

According to reports, 20 more law schools have found themselves under fire regarding allegedly deceptive job placement rates. The eight firms held a news conference announcing that they were seeking to file class action lawsuits and predicted that “nearly every law school in the country” would soon face litigation. With the team promising to sue 20 to 25 schools every few months, several law schools have already started revising their employment data – data that reflects much lower percentages of students securing full-time positions and reveal that salary statistics were based on a small percentage of students who voluntarily reported their incomes. David Anziska, one of the lead lawyers, said the team hopes that the law schools would eventually enter into a “global settlement” under pressure from the courts, regulators and legislators.

What do you think of the lawsuit? Is it fair to target law schools during these trying economic times when almost all college graduates, regardless of their majors, are struggling to find employment? Let us know in the comments section.

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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