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2009 Brought Big Changes to Financial Aid

December 31, 2009

by Scholarships.com Staff

A lot has happened in the last twelve months. We inaugurated a new President, weathered a recession, and obsessed over and forgot hundreds of minor crises and scandals. College students and recent graduates have marked all these events, and have very likely also noticed some pretty sweeping changes in their financial situations.  Here are a few of the most memorable.

At the start of the year, President Obama encouraged more Americans to enroll in college, calling for the U.S. to again lead the world in college attendance by 2020.

The recession also motivated more students to go back to college, especially community colleges. Enrollments surged at two-year schools across the country. State colleges also saw increases in applications and enrollment. Along with this, financial aid applications were up in 2009, as were aid appeals.

Colleges and universities searched for creative ways to cope with the recession and the accompanying booms in enrollment and financial aid applications. Several community colleges added late night classes and many public and private colleges boosted their financial aid offerings to assist needy students.

Federal aid also underwent significant changes. Revisions to the Higher Education Act went into effect, as did new and renewed economic stimulus legislation. Pell Grants went up, as did Stafford Loan borrowing limits.  The Income-Based Repayment plan premiered, guaranteeing college graduates affordable federal loan payments, and a new public service loan forgiveness program.

Veterans' benefits were reworked in 2009, as well, and the resulting backlog of applications had students waiting weeks or even months to receive the money they needed to pay their tuition and their bills. Once the bugs are worked out, though, veterans will see an expansion of their college benefits, and in the meantime, veterans were able to receive emergency payments to help them get by.

States also received much needed cash from the government to help them minimize cuts to education while they dealt with budget crises. However, several states had to make cuts to education budgets, including state aid and loan repayment programs. California made some of the most sweeping budget reductions and the state's university systems were forced to cap enrollment and hike tuition over 30%.

As we look toward 2010, more changes appear to be underway. Congress is (still) considering changes to federal loan programs and the creation of a consumer financial protection agency, and recently passed credit card legislation will soon go into effect. States and colleges are still struggling with fallout from the recession and may alter their financial aid offerings more in the next year.

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Kiplinger Ranks 100 Best Value Public Colleges

January 6, 2010

by Scholarships.com Staff

Whether you place much value on the lists that come out ranking colleges each year or not, it's never a bad idea to do your research and be informed when starting your college search. The latest, a ranking of the "100 Best Values in Public Colleges," comes from Kiplinger, which based its conclusions on a combination of academic quality - standardized test scores, retention and graduation rates, student-faculty ratios - and the schools' costs vs. financial aid offerings.

Knowing what the "best deals" are out there, at least according to Kiplinger, may not be bad information to have, especially as tuition costs continue to rise and high school graduates are increasingly looking at college costs and the best bang for their buck when choosing their intended colleges. The list is led by the University of North Carolina at Chapel Hill for overall value, and Binghamton University for best out-of-state value. Kiplinger says both those schools offer either the same or more financial aid than they have in previous years, despite a year where schools have looked to raise tuition and cut aid to recoup budget losses, while still delivering impressive academic programs. Other schools that ranked high included the University of Maryland at College Park and the University of Virginia.

Using the magazine's scoring tool, Kiplinger also offers a large amount of data that allows students to make their own assumptions, including in-state vs. out-of-state costs at public institutions and the average financial aid award at any given school. You're also able to search by state or by school to see whether the school you intend to attend is a "good deal." It may not hurt to know whether you're sacrificing quality for cost, or weighing the options of an expensive private college over a less expensive public institution. (Kiplinger also ranks the "Best Value" private colleges with rankings for the top 50 private liberal arts colleges and the top 50 private universities. Pomona College led the liberal arts colleges; the California Institute of Technology led the private universities.)

Remember that it's also important to do your own research when choosing the right school. Consider not only the tuition and fees associated with the school, but whether the colleges you're considering offer the fields of study you may be interested in down the line. Do you want to be close to home, or a little farther away? What kinds of extracurricular activities are you interested in? Are you an athlete, narrowing your choice by a school's sport offerings and athletic scholarships? Weigh the pros and cons of every school you're considering to make the best choice, and when you've narrowed that list down, it may come down to the financial aid each school is offering you.

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Survey Shows Freshmen More Worried About Money, College Costs

January 21, 2010

by Scholarships.com Staff

Everyone knows institutions of higher education have been impacted by the economic downturn. Students have been affected too, in the worst case scenarios paying more for their college degrees or facing financial aid shortages. A survey released today further defined just how worried college freshmen are about money, the cost of college, and finding a well-paying job once they graduate.

The annual survey by the Higher Education Research Institute (HERI) at the University of California at Los Angeles polled nearly 220,000 first-time, full-time students at 297 four-year institutions. It showed that more students are relying on student loans to fund their educations and looking at schools that offer more financial aid opportunities. But there was also a mental shift. More students are concerned about getting good jobs after graduation, and how they're going to cover college costs in the first place. The survey also showed that fewer freshmen are majoring in business these days, with those numbers at their lowest since the 1970s. The recession could be to blame. Majoring in business may not seem as enticing as it once did as banks face folding or bailouts and the economy has yet to return to prosperous levels.

According to the survey:

  • 41.6 percent reported that cost was a "very important" factor in choosing which college to attend.
  • those reporting that an offer of financial aid was important in their college choice increased to 44.7 percent, up from 43.0 percent in 2008 and 39.4 percent in 2007.
  • 56.5 percent reported they were more likely to place high importance on choosing a college where graduates get good jobs, the highest level since the question was introduced in 1983.
  • 53.3 percent reported taking out loans, the highest percentage in nine years.
  • 4.5 percent reported having an unemployed father, more than at any other time in the history of the survey. Nearly 8 percent of students also reported that their mothers were unemployed, the highest percentage since 1979.

The respondents to the survey also seemed to have a feeling of social responsibility, perhaps due to not only the recession, but changes in the White House, or more simply, the idea that community service and volunteerism could make them better candidates on the job market:

  • 30.8 percent indicated that there was a "very good chance" that they would take part in civic engagement.
  • 56.9 percent who volunteered "frequently" as high school seniors indicated that there was a "very good chance" they would do so in college.

It's not a bad thing to worry about how you're going to pay for college. Often, tough decisions need to be made based on the financial aid available to you. Should you stay in-state, rather than pursue a degree at a private institution on the opposite coast? Should you consider community college to save money on those first two years? Finding money for college may seem daunting, but you do have options, whether that's being flexible in the college search or applying for as many scholarship and grant opportunities as you can.

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Why Start Over on Each Scholarship Application?

January 26, 2010

by Derrius Quarles

Humans give off carbon dioxide for plants to use and plants give off oxygen for humans to survive.  Water is constantly converted into a gas through heat where it then rises and cools to fall as rain, snow, etc. These processes have occurred for thousands of years and they are also some of the most efficient processes known to man. Why are these natural processes so efficient? It is because they use a process known as recycling. Recycling is a process observed in many natural systems, and it may be the most important concept for you to understand when completing the scholarship process. You have written your personal statements (essays), gotten your recommendations, created your resume, and made a scholarship list. However, if you do not learn how to recycle these items, you will soon find that it is difficult and vey time-consuming to apply for the 15 or more scholarships on your list. If you learn how to take a paragraph from your college application essay and insert it there, take a paragraph from your past scholarship essay on adversity and insert it here, you will soon have an entirely new essay that you can use for a different scholarship.

Recycling application sections sounds like a fairly simple idea, right? Not necessarily. Recycling when doing scholarship applications is a great idea, but it’s not exactly simple. It can be an effective tool if used properly. If used incorrectly, however, it can have disastrous effects and can be a quick way to lose potential financial aid. “So, how do I recycle effectively?” you may ask. The answer is that you have to ensure that while recycling application sections such as a personal statement (essay) or recommendation that you tailor the personal statement or recommendation to each specific application. If you are applying to a scholarship that awards money based on academic achievement, it is not the best idea to recycle and use a recommendation previously written by a community service organizer because they cannot speak first hand about your abilities in the classroom the way a teacher can. You also may want to go through your essays and ask your recommenders to make the small or large changes in order to tailor your applications. If your essay states that “I feel I deserve the Dell Scholarship because…” yet you are applying to the Wal-Mart scholarship, you probably just lost that scholarship. An application package is somewhat like a suit, it needs to tailored in order to look its best; although it may look okay without tailoring, it will look great with it.

Here are some quick rules for recycling sections of your scholarship application:

  1. Be sure that each section of your scholarship applications is tailored for the specific type of scholarship you are applying for- If it’s a community service type of scholarship. Your recommendations and essay should talk about your experiences with community service etc.
  2. You can recycle an entire essay and use it over if it applies to the question being asked- If you wrote an essay in the past about your love for science and are applying to a scholarship related to science, you can probably use that entire essay over and save valuable time.
  3. Use different parts of past personal statements or essays to create entirely new essays- A few paragraphs from old essays with a few new sentences added to them is an entirely new essay.
  4. Get copies of your recommendations from your recommenders- Make sure each copy has their signature on them and you can use them in the future
  5. Always have copies of your resume, standardized test scores (ACT, SAT), and FAFSA Student Aid Report (SAR)- You will definitely need these items the majority of the time when applying to scholarships and having copies ready saves time.

Using and sticking to these rules will be an easy way to save time, reduce stress, and finish scholarship applications well before the deadline.  Remember, if used properly, recycling is not only good for the environment; it’s good for the scholarship application process as well.<,/p>

Derrius L Quarles is a 19-year-old freshman at Morehouse College. He hopes to go to medical school after he graduates with a degree in psychology and biology and a minor in public health, and to one day work on the public health policies of his hometown, Chicago, and beyond. To help him achieve those academic and career ambitions, Derrius has won more than $1.1 million in scholarships, including a full scholarship to attend Morehouse, since graduating from Chicago’s Kenwood Academy High School with a 4.2 GPA. Derrius was awarded a Gates Millennium scholarship and won a number of other highly competitive awards, many of which he found while searching for scholarships at Scholarships.com. He is the first in his family to attend college, and spent his childhood in the foster care system before becoming the “Million Dollar Scholar.” This is the fifth in a series of posts Derrius is writing for Scholarships.com on how he was able to fund his education, along with advice about the scholarship application process.

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Students and Families Unprepared for College, Financial Aid Application Process

February 10, 2010

by Scholarships.com Staff

Despite recent trends of more students across the country enrolling at institutions of higher learning, many students and their families remain mostly uninformed and unprepared to navigate the college and financial aid application process, according to a report issued yesterday called "Planning for College: A Consumer Approach to the Higher Education Marketplace."

The report, from MassINC, a think tank in Massachusetts, looked at decisions students and families need to make when applying to and paying for college, and the information they need to make those decisions. It found that students and parents currently have great difficulty "getting the most out of their col­lege dollar," as the price of higher education only continues to rise.

Perhaps even more alarming is that families have started borrowing more to pay for college, without considering risk and the rate of their return. Related to increases in student borrowing amounts, an article in The Chronicle of Higher Education yesterday looks at the idea that doctoral students finish faster if they take out large loans. The most obvious answer why is that taking out more student loans allows the students to take more classes, and quit part-time jobs that may have been reducing their college costs. It's a choice students must make every day - should you sacrifice some comfort to reduce your student loan debt, even if it means taking longer to complete your degree? It's a personal decision, but students should be aware that they'll be expected to start repaying any debt once they graduate.

The Massachusetts study also found that students and families had little knowledge of tax benefits and college savings plans, and how to compare them. For example, there are 118 different 529 Plans, and the resources out there do little in the way of pointing consumers to the advantages and disadvantages of each. Families and students also admit to knowing little about the actual sticker price of colleges, as that often depends on the funds available to assist incoming students, an unknown when those students first apply.

The report's authors suggest families and students must become more like "savvy consumers" who are able to understand and successfully manipulate the college and financial aid application process to their advantage. The process should also be made less complex, an idea that is already being explored by federal legislation such as the Higher Education Opportunity Act. Finally, families need reliable measures about the educational experience that colleges and universities offer beyond the annual rankings we see in the Princeton Review, for example. According to the report, while the U.S. Department of Education is providing increasingly consistent and accessible indicators, such as graduation rates, this branch of the college-bound decision remains the weakest.

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Student Veterans Finally Receiving GI Bill Benefits

March 5, 2010

by Scholarships.com Staff

Most of the student veterans who had been affected by numerous backlogs and delayed payments of their Post 9/11 GI Bill benefits have finally received those funds, according to the U.S. Department of Veterans Affairs office. The payments came at a critical time, as not only the students but colleges began to worry whether their military populations would be able to afford tuition at the schools this spring semester.

The Post-9/11 GI Bill, which went into effect August 1, offers expanded education benefits to veterans who have served their country since 2001. GI Bill benefits include money for tuition and fees, a stipend that covers living expenses, and the option of transferring education benefits to their family members. A problem that has plagued the program since its inception, however, has been has been a months-long backlog of claims to be processed by an understaffed Veterans Affairs office. The delay caused a variety of problems for more than 68,000 veterans who applied for the new GI Bill benefits in the fall; more than 26,000 veterans were still waiting for checks at the end of the fall semester.

An article in The Chronicle of Higher Education yesterday describes how the Veterans Affairs office was able to catch up - hundreds of new employees were hired, and existing employees were reassigned to focus on the backlogs. All veterans who filed for benefits before Jan. 18 of this year have had those claims processed, according to the agency.

Still, problems remain. According to the Chronicle, the emergency funds issued by the agency while they were trying to get a handle on the problem will need to be repaid. About 68,000 veterans received those advanced payments last fall in the form of $3,000 checks while waiting for their benefits to be processed. The Veterans Affairs office has decided that the money can be paid back either through monthly repayments or through deductions from future benefit payouts. Some veterans also owe the agency because they have dropped courses since, or were mistakenly paid twice by the agency.

There will also be other changes to the present GI Bill. Several bills are moving through Congress that would change who receives benefits, including one that would allow veterans to use the benefits for non-degree programs. And to address any future backlogs, the Veterans Affairs office plans to move the processing of benefits to an automated system by the end of this year. Students worried about how they will be affected by new changes are able to visit a website for veterans that breaks down the process.

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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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Should More Changes Follow Switch to Direct Loans Program?

May 14, 2010

by Scholarships.com Staff

July 1 marks the official date that colleges, if they haven’t already, must transition to the recently approved Federal Direct Loans Program. Schools will no longer offer students the option of having private banks or credit unions handle their federal loans; federal loans will now be coming directly from the U.S. Department of Education. Advocates of the student loan bill have said this will make the process more seamless and fair, with the government taking responsibility for keeping interest rates manageable. And private loans will still be available via the traditional channels, although those loans are typically offered at higher interest rates.

The student loan debate has been a constant in the world of higher education, as legislators and administrators look for ways to reduce the debt of graduates. This week, The Christian Science Monitor considered student loans in a different way. Is it ethical to send students out into the world with all this debt, especially when they may not be making enough in their chosen careers to pay back those loans in a timely fashion? Are student loans moral?

The Christian Science Monitor piece looks at the history of the student loan industry, questioning whether it was ever right for Congress to increase borrowing amounts to current levels, or to offer students described as “in need” much easier access to federal loans through the re-authorization of the Higher Education Act in the 1990s. According to the Project on Student Debt, student loan totals only continue to rise. The average national debt for graduating seniors with loans rose from about $18,650 in 2004 to $23,200 in 2008. Meanwhile, employment prospects have not increased at comparable levels; by 2009, the unemployment rate among new graduates hovered near 11 percent, the highest on record.

It isn’t just a case of telling college students not to borrow so much. Student loans are often a necessary evil, and while debt can be minimized some through scholarships and grants, most students will end up taking on some amount of debt. The Monitor questions whether there should be more strict limits on borrowers that exist in other scenarios where credit checks and expectations that borrowers will be able to pay back what they borrow are enforced. There is no guarantee of a job after college, after all, so why shouldn’t the fact that a student is unable to pay off more than the minimum on their credit cards be taken into account more when they take out loans? (On that note, the U.S. Senate has approved an amendment that would lower “swipe fees” that banks charge college bookstores when students use their credit cards for purchases.)

Student loans are a hot topic, and will continue to be. What do you think? What else can be done to reduce graduates' debt, especially among those graduates who are not entering high-paying fields?

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Survey Shows Students Lack Accurate Financial Aid Information

May 25, 2010

by Scholarships.com Staff

A recent survey of high school students found that students are not only ruling out certain schools based on “sticker price” alone, but that many also overestimate how much financial aid they will be receiving to attend the college of their choice.

According to the survey, the high school seniors who participated were starting their college searches with inaccurate information on financial aid basics, the net cost of college, and general comparison shopping. The findings came from “Student Poll,” an initiative from the College Board and the Art & Science Group marketing firm that polled more than 1,600 high school seniors between November 2009 and January 2010.

An article in The Chronicle of Higher Education on the survey suggested something needed to be done to address students’ perceptions on the costs of college. Although the federal government will soon require all schools to provide prospective students with net-tuition calculators that will offer those students a clearer picture on what they would pay in tuition after any scholarships and grants, many of the respondents in this survey said they were not using similar calculators already available. Of those who did use calculators, most came from wealthier families; students from low-income families were less likely to use them.

The survey also found the following:

  • Nearly 60 percent of students reported looking only at the sticker price of an institution before taking financial aid into account; 28 percent had considered the net tuition price of a school after taking into account what they might receive in financial aid.
  • Related to parents’ influence on college choice, 26 percent of students said their parents insisted they attend the most affordable option, 40 percent said their parents insisted they apply to a more affordable school, and 22 percent said their parents ruled out a school that was outside their budget.
  • About 64 percent of white students expect to receive merit aid; about 50 percent of Hispanic and 45 percent of African American students expect to receive merit aid.
  • About 60 percent of students who scored 1250 or higher on the SAT expect to receive merit aid.
  • Students expect grants and scholarships to cover 35 percent of their college education costs, loans to cover 21 percent, family or personal savings to cover 17 percent, and another 24 percent to come from their own or their parents’ earnings during college.

Despite the wealth of information out there, it seems that high school students are still unprepared and not equipped with realistic expectations when it comes to navigating the financial aid process. Are you nervous about where you should start? Check out the college cost calculators we provide, and cultivate relationships with financial aid administrators, as you can never be too prepared when it comes to determining how much your education will cost, and you’ll pay for it once you’ve got that information.

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MTV’s New Groove

Music Channel and College Board Launch Financial Aid Contest

September 17, 2010

by Alexis Mattera

Current high school and college students are probably too young to remember when MTV actually played music videos. It was a glorious time for sure but after hearing this next announcement, I think they will like the network’s new direction just fine.

The NYT’s The Choice blog revealed that instead of launching another mind-numbing reality show, the music channel and the College Board have joined forces for the Get Schooled College Affordability Challenge. The contest – which is being underwritten by the Bill & Melinda Gates Foundation – is open to current and potential college students interested in creating an innovative digital tool that will help more students obtain funds for school. The prize for the winning individual or team? A cool $10,000, as well as a $100,000 budget to bring their idea to life.

A statement released yesterday stated the contest was created to make it easier for students “to navigate what can be a confusing financial aid maze.” This metaphorical roadmap will definitely be a useful one: Each year, countless students are forced to postpone or abandon their dreams of higher education because they cannot pay for school but the Get Schooled creators hope their program will play a role in raising college completion rates.

The contest will run through December 17th so if you think you have what it takes to win, submit your idea here. Best of luck to all who enter!

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