Paying for College Making College More Affordable ED

Paying for College Making College More Affordable ED 02/07/19

Which amounts do you think are the average costs of colleges? A. $20, 090 in-state (4 -yr); $11, 438 (2 -yr) B. $21, 750 in-state (4 -yr); $4, 835 (2 -yr) C. $28, 000 in-state (4 -yr); $7, 224 (2 -yr) D. None of the above ED 02/07/19

Average Costs of 2 and 4 -Year Colleges Answer: B 4 -year in state: $21, 750 * 2 -year: $4, 835 *Totals include tuition, fees, room and board. ED 02/07/19

College Expenses $ College application fees, tuition deposits, ACT/SAT test fees $ Tuition $ Books, fees and technology $ Housing and meals $ Personal $ Transportation (includes going home for holidays, etc. ) $ Health insurance (may be waived if student is covered under parent’s Ins. ) ED 02/07/19

Which is the number one reason most students drop out of college? A. Not emotionally prepared B. Conflict with work and family commitments C. Increasingly failing courses D. Tuition is too expensive ED 02/07/19

Which is the number one reason most high school students go to college? Answer: D D. Tuition is too expensive ED 02/07/19

Two-Year or Four-Year? 2 – Year College 4 – Year College Cheaper, saves on housing More expensive Opportunity to figure out future Degrees can be used for a wide spectrum of jobs Overcome low grades and/or test scores Starts career sooner Less or no debt Many learning opportunities: attend performances, cultural events, and guest lecture series; participate in clubs and honor societies. Can transfer to a 4 -year Independent Living Links courses to the local job market Many chosen fields require a min. of a BA/BS Collegeview. com ED 02/07/19

In-state or out-of-state? • It’s a personal choice. Before you make that important decision, ask yourself. . . 1. Will student thrive in an unfamiliar place? 2. Family’s finances – Can we afford it? 3. Will we have the money to pay for transportation (airline, train, etc. ) so student can come home for the holidays, important family events, etc. ? ED 02/07/19

Financial Planning for College ED 02/07/19

Financial Planning for College Net Price Calculator Ø Estimates the cost of attendance for individual colleges/universities. Log on to university’s website, search net price calculator. College Cost Projector Ø http: //www. finaid. org/calculators/costprojector. phtml Collegeboard. org Ø https: //bigfuture. collegeboard. org/compare-colleges Compares college choices. FAFSA. gov Ø https: //studentaid. ed. gov/sa/fafsa/estimate#how-use Provides estimates of federal and state funds based on student’s eligibility. ED 02/07/19

Options: 2 -year College 2 – Year College 2+2 (Possible transfer student scholarships ) 2+2 (Special programs) BC, PBSC link to FAU Maintain high GPA Honors program scholarship (must meet eligibility requirements) 10 K Bachelor’s Degree at most state colleges in Florida (BC, PBSC, etc. . . ) • ED 02/07/19 Limited programs offered (check school’s website)

Careers Requiring a 2 -yr Degree Registered Nurse (AS) Radiologic Technologists Nuclear Technician Avionics Technician Radiation Therapist Electrical & Electronics Drafter Funeral Service Director Air Traffic Controller Electrical & Electronics Engineering Technician Dental Hygienist Computer Network Support Spec. Magnetic Resonance Imaging (MRI) Technologist Engineering Technician Aerospace Engineering & Operations Technician Highest Payed Mechanical Engineering Tech. Web Developer Cardiovascular Technologist & Technician Diagnostic Medical Sonographer Physical Therapist Assistant First-line supervisors of nonretail sales work Geological & Petroleum Tech. Nuclear Medicine Technologist Occupational Therapy Assistant http: //www. businessadvicesource. com/ http: //www. businessinsider. com/ ED 02/07/19

Options: 4 -yr Colleges/Universities Apply early (November 1) Some deadlines may be earlier. – Increase chances of institutional scholarships ED 02/07/19 Honors programs (must meet requirements) College match programs: • Questbridge. org • Possefoundation. org Maintain high GPA (during the first 4 -yrs) Other programs: National Merit, Raise. me, etc.

Highest Paying Jobs Requiring a 4 -Yr. Degree Cloud Architect Operations Research Analyst Computer Hardware Eng. Budget Analyst Mobile Applications Developer Healthcare Administrator Computer Software Eng. Financial Services Sales Agent Computer Forensic Analyst Computer Systems analyst Occupational Health and Safety Specialist Database Administrator Registered Nurse (BSN) Financial Analyst Multimedia Artist Computer Programmer Market Research Analyst Web Designer Industrial Designer Compliance Officer Medical Technologist Network Security Specialist Human Resources Specialist Logistician Nutritionist Engineering (all) Sales Manager Applied Mathematician / ED 02/07/19

Keeping College Costs Down Tech. Programs Articulation to Broward College https: //www. browardtechnicalcolleges. com/articul ation-agreement/ Other Tips: 1. Consider dual enrollment. 2. Start off at a state college. 3. Compare your housing options. 4. Choose the right meal plan. 5. Don't buy new textbooks. 6. Earn money while in school. 7. Explore all of your aid options. 8. Be responsible with your student loans. 9. Graduate on time. 10. Take other cost-cutting measures. ED 02/07/19

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Where Can I Find Money to Pay for College? ED 02/07/19

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Students Have Options Scholarships (Naviance. com) Institutional (postsecondary) scholarships merit, academic, athletic Tuition assistance or reimbursement (employers) Florida Bright Futures Special programs: National Merit, Questbridge (College Match), The Posse Foundation and Raise. me. Student or parent plus loans (as a last resort!) • Federal Student Aid (FAFSA. gov – Available Oct. 1 st of senior year) ED 02/07/19

DACA Students and FAFSA • DACA students are encouraged to apply. Will not be eligible for federal monies, but may be eligible for state, institutional aid and private scholarships. • Scholarships for undocumented students: v Golden Door Scholars (Students who wish to pursue a career in Computer Science, Tech, Engineering, or a related field) v v ED 02/07/19 The. Dream. Us Maldef. org Questbridge. org United We Dream

Academic Merit and Other Scholarships http: //www. Cappex. com http: //www. scholarships. com/financial-aid/college-scholarships/scholarships-bytype/corporate-scholarships http: //www. collegedata. com http: //www. floridanext. com (page 34) www. Collegescholarships. org http: //www. fastweb. com http: //www. zinch. com/scholarships http: //www. highscholarships. com/index. html http: //www. cksf. org www. unigo. com http: //raise. me Naviance. com ED 02/07/19

Eligibility Requirements for Florida Bright Futures Florida Academic Scholars Award (FAS) Ø Recalculated Academic Core Weighted GPA: 3. 5, SAT Score 1290 or ACT Score 29 (Excludes Writing), and 100 Service Hours (pays 100% of tuition and fees, book stipend). Florida Medallion Scholars Award (FMS) Ø Recalculated Academic Core Weighted GPA: 3. 0, SAT Score 1170 or ACT Score 26 (Excludes Writing), and 75 Service Hours (pays 75% of tuition). Gold Seal Vocational Scholars Award (GSV) Ø Weighted GPA 3. 0 and a 3. 5 unweighted GPA in 3 vocational credits, and must earn the minimum score in one following tests: PERT: Math 114, Reading 106, Writing 103 SAT Reasoning: Critical Reading 440, Math 440 ACT: English 17, Reading 19, Math 19, and 30 Service Hours Gold Seal CAPE (GSC) Ø Earn a minimum of 5 postsecondary credit hours through a CAPE industry certifications which articulate for college credits Ø Complete 30 service hours ED 02/07/19 22

Florida Bright Futures Scholarship Award Program Tracking Bright Futures Status Ø Ø Ø Ø https: //www. floridashines. org/ Click on Go to College (dropdown box), select Pay for College. Scroll down to Bright Futures Scholarship. - Click on blue box (Check Now). Click on dropdown box, select Broward. Enter student’s last name. Enter student ID number or use student’s SS# and the letter X at the end. Ø Contact Ms. De. Jesus by email if you encounter an error message. ED 02/07/19

Keeping Bright Futures Scholarship and FAFSA Monies Bright Futures • Must maintain certain GPA (FAS 3. 0; FMS 2. 75; GSV/GSC 2. 75 • Can not drop or withdraw courses (may have to pay money back). FAFSA • Maintain satisfactory academic performance. • Can not drop, withdraw or fail courses (you will have to repay financial aid funds. ED 02/07/19

Parent Sign on NAVIANCE STUDENT

Parent Sign On Instructions To register for Naviance Student, a student or parent must: Go to the Naviance Student site for your school In the Are You New Here? section, click I Need to Register In the Registration Code field, type in the registration code (See Ms. De. Jesus for parent registration code. ) Click Register Type and confirm the required registration information Type and confirm a password Check the Privacy box Click Complete Registration A student or parent needs to register only once, and the registration code is valid for one use only. On the next visit to Naviance Student, the student or parent will enter the selected username and password to access the site Parents who have multiple children do not need to register for Naviance Student separately for each child. When the parent and student records are linked correctly, the parent can sign into one Naviance Student account and select any of his or her children to view

HOW TO SEARCH FOR SCHOLARSHIPS USING NAVIANCE https: //naviance. com/ ED 02/07/19

What is Raise. me? Ø Raise. me is a platform that helps 9 -12 th grade students prepare for college by earning scholarships for their achievements in high school. Over 150 colleges and universities have partnered with Raise. me, and award micro-scholarships for both academics and extracurricular activities. – Raise. me ED 02/07/19

Free Application for Federal Student Aid (FAFSA) ED 02/07/19

Documents Needed When Filling Out FAFSA Forms § Student’s and Parent’s Social Security Numbers. § Student’s (if applicable) and Parent’s driver's licenses. § W-2 forms and other records of money earned. § Parent's Federal Income Tax Return (for dependent student). § Any untaxed income records such as child support, workers comp, veterans benefits, etc. § Current bank statements. § Current business and investment records. § If you are not a U. S. Citizen, your alien registration or permanent resident card. ED 02/07/19

Filing the Financial Aid Application Ø Website: FAFSA. gov Ø Submit your completed FAFSA application as soon as possible beginning October 1 st of every year. Ø For the start of the 2019 -2020 school year, use 2017 tax return (Class of 2019). Class of 2020 (2018 taxes), Class of 2021 (2019 taxes), Class of 2022 (2020 taxes) Ø Private colleges may require a completed CSS Profile, in addition to the FAFSA Form. CSS Profile: Collegeboard. org Ø ALL Students, who plan to attend a post-secondary institution, are encouraged to apply for financial aid. Don’t miss out on free money! Apply for FAFSA early! ED 02/07/19

Student Dependency Status What Makes a Student Independent for FAFSA purposes? • Were you born before Jan. 1, 1996 (2019 -2020 school year)? • Are you married? • Will you be applying as a graduate or professional student? • Are you serving on active duty in the US. Armed forces? • Are you a veteran of the US. Armed Forces? • Do you now have or will have children for whom you will provide more that half of their support between July 1, 2019 and June 30, 2020? • Since you turned age 13, were both of your parents were deceased? • Are you an orphan, in foster care, a dependent/ward of the court? • Do you have dependents (other than your children or your spouse) who live with you and provide more than half or their support. • Are you an emancipated minor? • Are you a ward of the court since turning age 13? • Do you live with a legal guardian? (not biological parent) • Are you homeless or self supporting and at risk of being homeless? ED 02/07/19

Who Qualifies as a Parent for a Dependent Student ? • Biological parent • Adoptive parent • Stepparents, if they are married to the student’s biological or adoptive parent and the student is included in their household size. ED 02/07/19

Federal Student Loans vs Private Loans ED 02/07/19

Federal Student Loan • • • Lower interest rates (5. 05% - undergraduate degrees) Parent Plus (7. 59%) Payment starts 6 months after graduation or last day of college. Options to postpone payments (deferment) Longer repayment terms Easier credit requirements Student loans should be considered as a last resort! ED 02/07/19

Cost Saving Tips 1. Private vs. Public, Out-of-State vs. In-State, For-Profit Schools a. Costing more does not mean better quality. b. Out-of-state tuition can be $10, 000, $20, 000, or $30, 000 more. If you include the cost of housing and other misc. expenses, the total cost can be shocking! c. Consider community college for the first two years then transfer to a four year state university. The savings can be substantial and some state universities may offer transfer students, with exceptional GPAs, scholarships. c. Don’t let a low GPA or an impressive college recruiting presentation be the deciding factor in selecting to attend a Private For-Profit School. Do your research! 2. Accelerated Degrees Many schools offer accelerated programs that can squeeze a four-year Bachelor’s Degree into three, or a Master’s Degree from an additional two to one year, saving you a year’s worth of college expenses. ED 02/07/19

Cost Saving Tips 3. Financial Aid Secret • If a school really wants you, they will find college scholarships and other financial aid options. Why? Because good students reflect well on the school’s image. 4. Federal Work Study Program or Other Part Time Jobs • Need based program - Schools will assist students in finding part-time jobs within their campuses. Must submit FAFSA forms as soon as possible. • Register with the college’s Student Services, submit a resume. 5. Save on College Textbooks by Renting Digital or Buying Used https: //www. cnbc. com/2018/08/20/4 -tricks-for-saving-money-on-textbooks. html Do your research and compare. ED 02/07/19

Cost Saving Tips 6. Selecting a Major • Research job prospects of certain fields. • Unsure of which major? Take all of the required general courses first, then make a decision and stick with it! Switching majors will result in extending more time in college and spending more money. 7. Housing and Other Living Expenses • Attend a college or university closer to home. If living with parent/s is not a choice, apply early for housing, or be prepared to be creative in solving your housing situation. • Budget your meal plans by opting for smaller portions. 8. For more information on cost saving tips for college, log on to: https: //study. com/articles/Money_Saving_Tips_for_College_Students_on_ a_Budget. html ED 02/07/19

Scams: The Warning Signs Protect yourself when doing scholarship searches. They guarantee a scholarship. . . Everybody is eligible. . . Money Back Guarantee Credit Card/Bank Info or fee required “Free Money” Offers of “exclusive” info High success rates Latest scam affecting high school students: Collegeboard. org emails For more information: http: //www. finaid. org/search/htdig/htsearch. cgi? method=and&format=cust_long&config=htdig&restrict=&exclude=&words=scam s&x=0&y=0 http: //www. usnews. com/education/blogs/the-scholarship-coach/2012/07/26/dont-fall-for-these-5 -college-scholarship-scams https: //bigfuture. collegeboard. org/pay-for-college/grants-and-scholarships/how-to-spot-scholarship-scams If you are not sure. . . Contact Ms. De. Jesus, BRACE Advisor. ED 02/07/19

Other Important Websites and Contact Numbers Florida Bright Futures www. floridastudentfinancialaid. org Toll Free - 1 -888 -827 -2004 Free Application for Federal Student Aid www. fafsa. gov Toll Free – 1 -800 -433 -3243 BRACE Advisor Elizabeth. de-jesus@browardschools. com (754) 321 -5115 Guidance Counselor (9 th and 10 th) Kimberly. Jackson@browardschools. com 754 -321 -5165 Guidance Counselor (11 th and 12 th) Cheryl. Fidlow@browardschools. com 754 -321 - 5269 ED 02/07/19

Any Questions ED 02/07/19