Wednesday, February 1, 2012

Demystifying College Financial Aid - Part 1

By Francine Schwartz, M.A., LPC, NCC
Founder and President Pathfinder Counseling LLC - College Bound Direction 
It is early 2012.  For most high school seniors college applications are completed and there is a palpable sense of relief in the air.  For their parents however, the stress is ramping up.  There is anxiety surrounding financing the college education, often the second largest investment following the purchase of a home.  Not to worry.  I’ll share important information that will help you navigate the financial aid process and maximize those college dollars.

Begin Early: College is an investment in your student’s future, therefore it is important to plan as far ahead as possible to ensure the best possible return. One rule of thumb is to finance college in thirds with 1/3 of college expenses funded through current income, 1/3 from savings and 1/3 from financial aid. Whatever your individual financial situation may be, it is important for students and parents to communicate about the amount that the family can realistically afford.  I always advise students to have a financial safety school: one that they can afford to attend should they not receive sufficient financial aid from the college or other sources, or if their family financial circumstances change.  

Wednesday, April 13, 2011

Scholarship Opportunity

Ledge Light Federal Credit Union is offering$2,000 in scholarships.

Interested high school seniors, click hereto download the application.

All entries must be postmarked by April 29, 2011.

Submit all entries to:

ATTN: Scholarship Committee
60 Colver Avenue, Groton, CT 06340
Ledge Light Federal Credit Union

Tuesday, April 5, 2011

Pathfinder Counseling LLC Joins the Higher Education Consultants Association

Pathfinder Counseling LLC is proud to announce its membership in HECA - The Higher Education Consultants Association.

The Higher Education Consultants Association (HECA) is a
professional organization focused exclusively on the practice of independent college admissions consulting.

Since 1997, HECA has been dedicated to advancing professional standards for the higher education consulting field, while supporting our members as they expertly guide students through the transition from high school to college.
Click on the Link to view the HECA Profile and explore the HECA website which offers a myriad of resources for students and families!

Saturday, March 26, 2011

COLLEGE CAMPUS VISITS - PART TWO


College Campus Visits - Part Two

The car is packed, GPS programmed and you are about to set out with your teen on what can be a great opportunity to bond and impart words of wisdom as he or she embarks on their college search. On the other hand without careful planning, knowledge about the process, patience and communication, the campus visit can be needlessly difficult.  Here is how to get the most out of your visits.

First, here’s a tip from a seasoned college parent. Put your high school student in the “driver’s seat”.  Let them take the lead and ask the questions they need to make an informed choice. Your teens will appreciate you for hanging back a bit and not being the overbearing or dorky parent.  Trust me, someone else’s parent will inevitably ask your question, sparing your student the “embarrassment.” That is not to say don’t ask any relevant questions.  Just try to  relax and enjoy the experience of watching your child take the next step on life’s path.

The two major components of a campus visit are: the information session and the tour. Students need to check with each school to determine the process for scheduling visits and interviews. Many schools require preregistration, which can often be done online.

Campus Information Session:  Information sessions and tours generally follow one another and are scheduled throughout the day.  Upon arriving on campus, students should sign in at the admissions office. Colleges do keep track of the number and type of contacts students have made with their school.  Contacts demonstrate an interest in attending and may make a difference in an admission decision, all other things being equal.  It is appropriate to send a thank you note to the information session leader as well as the student tour guide.

The information session lasts about an hour and is conducted by a member of the Admissions staff.  An overview is given about the school history, physical facilities, admissions criteria, academic programs, clubs, activities, residential life, academic support and career services, and financial aid. Bring a notebook or checklist to jot down information and impressions. Time is allotted for questions that are appropriate for the entire group verses detailed queries regarding a single student.

Campus Tour:  Grab your walking shoes and a camera and you will learn fascinating trivia and more on a campus tour.  For example, did you know: The Brown University Band marches backwards through the center of the Van Wickle gates to avoid the superstition that students who pass through the gates won’t graduate? Led by current students the tour is an excellent way to gain a fresh perspective on what campus life is like from a peer. A typical tour includes visits to a residence hall, library, student center, dining facilities, recreational complex, and classroom buildings. Tour guides can be a wealth of knowledge about the social environment, residential life and the rigors of the curriculum. Recognize that since guides formally represent and are trained by the school they may not reflect the perspective of every student.

Other things to see and do while visiting:  Here are a few more suggestions of valuable things to do that are not generally included in the information session or tour. Have a meal in the cafeteria to evaluate the food and watch the student interactions.  Arrange to sit in on a classroom in a subject of interest and/or meet with a professor.  Tour or drive around the surrounding town and area.  Read the campus newspaper and bulletin boards. Walk around on your own and talk to students about their experiences.

Depending on the timing of your visit this can also be an ideal time to schedule an interview if offered. Interviews can be optional or a required part of the admissions process, depending on the college.  Tips for college interviews are the subject of a future article.

Additional ways to get a glimpse of campuses:  Setting a foot on campus is the best way to get a feel for how well you fit, but there are other methods. Sign up for visits from college representatives at your high school. Check out online virtual tours at: www.youniversitytv.com and virtual college fairs at: www.collegeweeklive.com.  Attend one of the upcoming spring National College Fairs in Hartford, Boston or Providence. Visit www.nacacnet.org for more information.

Francine Schwartz is the Founder of Pathfinder Counseling LLC.  As an Educational Consultant and Certified School Counselor, she has guided numerous families through the college search and selection process.  For assistance contact Francine at: 860-460-8829















Article Reprinted from “The Jewish Leader” January 28, 2011
All rights reserved

COLLEGE CAMPUS VISITS - PART ONE


College Campus Visits - Part One

Harbingers of spring, instantly recognizable, they appear yearly in groups on every college campus.  Their leader is a confident young adult with the amazing skill of walking backwards.  Ducks returning from lands to the south, you might ask?  No, what you are witnessing is the start of the campus visit season.  As a college consultant who has visited close to a hundred campuses and moreover a parent who has participated in this rite of passage with my own three offspring, I will share some tips with you to help make your campus visits productive and stress free.

Tips for Freshman/Sophomores
The most important thing I want to convey is that there is absolutely no better way to decide whether a school is the right match than to set foot on its campus.  My advice is to begin visiting a few colleges as early as freshman/sophomore year of high school.  The purpose of these initial visits is to get a feel for the types of schools out there.  Choose a few schools close to home of different sizes from a large state university to a smaller private liberal arts college.   Utilize family vacation time to informally visit colleges, in the area where you are traveling.  Remember that these visits are only preliminary to assist in formulating your needs and preferences.
Tips for Juniors
Junior year is the time to hone your college choices. Try to have most visits completed well before the fall of Senior year when the application process begins in earnest.  Visiting when school is in session is an ideal way to see the campus in action.  Realize that spring vacation of Junior year may be one of the last times you can visit campuses when students are there.
At this stage identify what factors are important to you in selecting colleges. Some areas may have higher priority than others..  Gathering information through visits and other methods will enable you to find schools that are a good fit and also to eliminate other schools. Focus on the following factors.

1.Type:  Choices include two year associates degrees or technical certificates; four year bachelors degrees; five-year programs with a co-op component and combined bachelors and master degree programs.
2.Location:  Factors include the distance from home and whether the college is in an urban, rural or suburban area.
3. Size:   Is the college large (greater than 10,000 undergraduates), medium (3,000 – 10,000) or small  (Under 3,000)?
4. Academics: Does the college have a strong program in your area of interest? Is the college geared to the Liberal Arts offering a broad choice of majors, which may be advantageous for students still exploring their interests?
5.Students:  What is the makeup of the student body? Are students mostly in state or out of state; commuters or living on campus?  How diverse are the students in terms of race, religion, political, sexual orientation, socio economic, and cultural factors?   What is the social atmosphere like? Most importantly can you envision yourself as part of this group living and studying together?
6.Cost:  What is the cost for tuition room and board? What percentage of the students receive financial aid? Would you qualify for merit-based aid?
7. Additional Factors: Depending on your individual interests and needs, investigate the following: athletic programs both NCAA, intramural and club sports; ROTC; and resources for students who need extra support due to physical, learning or emotional disabilities.

Finalize a list of schools to visit. If you have schools that are very similar and time does not permit pick one school and chose to visit the others later once accepted. Call, email or schedule your visit online with the admissions office well in advance since many schools require a reservation to take a tour or attend an information session. If optional or mandatory interviews are offered schedule those as well.
Carefully map out a logical route covering no more than two schools in one day. I found it worked well to drive to a location the night before and take the early  morning tour when well rested.
Tips for Seniors:  Utilize the early fall to make any last minute visits. Once you receive your acceptances take advantage of the opportunity to revisit schools during accepted student days.   Arrange an overnight stay in the dorms. Remember you are the one who will be living and studying on this campus. Review all of your options with a critical eye and get answers to any last minute questions you have. 

Part II will cover additional things to consider when visiting a college campus.

Francine Schwartz is the Founder of Pathfinder Counseling LLC.  As a Certified School Counselor and Educational Consultant she has guided numerous families through the college search and selection process.  For assistance contact Francine at: 860-460-8829 or fschwartz@pathfindercounselingllc.com www.pathfindercounselingllc.com















Article Reprinted from “The Jewish Leader” 2/25/11
All Rights Reserved

10 THINGS YOU SHOULD KNOW ABOUT COLLEGE WEBSITES


10 Things You Should Know about College Websites

One of the best resources for students thinking about college is the college website (or portal). Here you'll find the most distinctive and best features of each school—or at least what the college would like you to think are its best features. Here's what to do:

1. Surf the college. You might think you're going to the University of X, or X State, but actually all universities are made up of different entities called colleges (or sometimes schools). So for the best information, navigate to the college page of the university website—for example, the college of liberal arts, engineering, or business or the school of visual arts, hotel management, or buffalo herding. Sometimes these colleges will be named after famous people, in which case you'll have to look for the name of the guy who put up the $100 million for the naming rights—e.g., the John G. Hoofalos College of Literature, Science, and the Arts.

2. Tab to the tabs. The main information you'll need should be under one of these tabs or buttons at the top of the page: ADMISSIONS, ACADEMICS, RESEARCH, and CAMPUS LIFE. Be sure to start with them. Also, be on the lookout for tabs for both PROSPECTIVE (or FUTURE) STUDENTS and CURRENT STUDENTS. There's usually much better information for those already at the college than for those thinking they might like to go there.

3. Scour the admissions area. Here you'll find out essential matters about the admissions requirements, application procedures, deadlines, and that all-important info about financial aid. You'll be able to guess if you can get in and, once in, whether you'll be able to afford to stay.

4. Scope out the "extras." Take a peek at the special programs at the college—for example, the first-year experience (FYE) course or freshman seminar, the honors college, the study-abroad program, and any community service ("service learning") and internship opportunities. These differ widely from college to college and can be a good gauge of the mission and focus of the college, as well as of how many bucks it has to spend on such programs. And while these might seem like "extras," they could be some of the most valuable educational experiences you're going to have at college.

Extra Pointer.

And while you're at it, how about the free services offered up every year: the writing center, the academic advancement center, the tutoring service, the health service and counseling center, and the center for students with disabilities? All of these could be valuable to you and could be a measure of how many resources the college has.

5. Bone up on the requirements. Many colleges have a number of courses that you are required to take—sometimes called core courses or general education (gen. ed.) requirements. And if that weren't enough, there are distribution requirements—different areas of study (for example, humanities, social science, science) in which you have to take a specified number of classes. Carefully consider how many such "must do" courses there are and how restrictive a college program you're buying into. It's well worth knowing in advance just how much force-feeding you'll be subjected to.

6. Check out the majors. Some schools might have only about 20 majors, while others can list as many as 354. So, especially if you have a field you think you'd like to learn about, it's important to check to see that the college actually teaches that area. You'd be amazed at how often some hapless student arrives at college only to find that it doesn't have the major he or she planned on taking.

Four-Star Tip.

And while you're thinking about majors, it'd be a good idea to click on the link for the department home page for that major. There you'll find a list of requirements for that major, a list of the faculty who teach in that major, and, with any luck, some course pages with actual syllabuses. Check out what the faculty teach and what they think about in their research.

7. Cruise the course schedule. Colleges have two kinds of listings for the courses taught. One is the course catalog, which lists every possible course offered at the school—a sort of history of all courses that have ever been taught and a hope chest for ones that might be taught. The other is the course schedule, a listing of the courses actually offered in a given semester (e.g., Fall 2008, Winter 2009). Concentrate on the course schedule. Ask yourself: How many courses are being taught, how big are the courses, how many hours a week do they meet, and are they lectures or discussions (or both)?

Extra Pointer.

At some (more secretive) schools, the course schedule is password protected. If you can't get to the course schedule, wait till you visit the campus and then ask a student if he'll log in to let you see the course schedule. (Promise that you won't peek at grades and personal E-mail. Or maybe your accomplice can watch over your shoulder while you surf the schedule.)

8. Assess the atmosphere. Colleges have met YouTube. So at many college websites, you'll find professional-level videos offering you "tours of the campus." These videos will give you a pretty good idea of the things the school wants to highlight—their shiny new buildings, modern labs, lovely student center, enormous football stadium, beautifully landscaped lawns, and enticing offerings at the food court. Enjoy the tour, but take it with a grain of salt. They never show you the overflowing toilets in the dorms, the lectures with 1,000 people in them, and the buckets under the leaks in the up-for-demolition psych building.

9. Go clubbing. It's always nice to see what kinds of student clubs a college has. You might just be dying to join the Jews for Jesus or the Wiccans, the Young Green Republicans or the Democrats for Ron Paul, the Rock/Paper/Scissors Club or the Death Cab for Cutie fan club. And, even if you don't want to join in on the fun, the information will give you a better feel for what's going on at the school and what the students are like.

10. Start the conversation. Sign up to receive information.  This will place you on the school mailing list, which puts you on the college radar screen.  Some schools will communicate via snail mail and others will simply send you periodic emails to keep you interested in what they have to offer.  The other advantage is that college reps will have your name when they come visiting the area.  You may be invited to presentations or even to lunch depending on the rep’s schedule or particular agenda.  It never hurts to show interest and signing up for basic information from a school is a good first step toward establishing a conversation.



Sunday, February 27, 2011

CAMPUS VISITS - PART ONE ARTICLE FROM JEWISH LEADER FEB 25TH





  College Campus Visits - Part One 
jewishleaderwebpaper.com 
(Article on Page 2)

Harbingers of spring, instantly recognizable, they appear yearly in groups on every college campus.  Their leader is a confident young adult with the amazing skill of walking backwards.  Ducks returning from lands to the south, you might ask?  No, what you are witnessing is the start of the campus visit season.  As a college consultant who has visited close to a hundred campuses and moreover a parent who has participated in this rite of passage with my own three offspring, I will share some tips with you to help make your campus visits productive and stress free.

Tips for Freshman/Sophomores
The most important thing I want to convey is that there is absolutely no better way to decide whether a school is the right match than to set foot on its campus.  My advice is to begin visiting a few colleges as early as freshman/sophomore year of high school.  The purpose of these initial visits is to get a feel for the types of schools out there.  Choose a few schools close to home of different sizes from a large state university to a smaller private liberal arts college.   Utilize family vacation time to informally visit colleges, in the area where you are traveling.  Remember that these visits are only preliminary to assist in formulating your needs and preferences.
Tips for Juniors
Junior year is the time to hone your college choices. Try to have most visits completed well before the fall of Senior year when the application process begins in earnest.  Visiting when school is in session is an ideal way to see the campus in action.  Realize that spring vacation of Junior year may be one of the last times you can visit campuses when students are there.
At this stage identify what factors are important to you in selecting colleges. Some areas may have higher priority than others..  Gathering information through visits and other methods will enable you to find schools that are a good fit and also to eliminate other schools. Focus on the following factors.

1.Type:  Choices include two year associates degrees or technical certificates; four year bachelors degrees; five-year programs with a co-op component and combined bachelors and master degree programs.
2.Location:  Factors include the distance from home and whether the college is in an urban, rural or suburban area.
3. Size:   Is the college large (greater than 10,000 undergraduates), medium (3,000 – 10,000) or small  (Under 3,000)?
4. Academics: Does the college have a strong program in your area of interest? Is the college geared to the Liberal Arts offering a broad choice of majors, which may be advantageous for students still exploring their interests?
5.Students:  What is the makeup of the student body? Are students mostly in state or out of state; commuters or living on campus?  How diverse are the students in terms of race, religion, political, sexual orientation, socio economic, and cultural factors?   What is the social atmosphere like? Most importantly can you envision yourself as part of this group living and studying together?
6.Cost:  What is the cost for tuition room and board? What percentage of the students receive financial aid? Would you qualify for merit-based aid?
7. Additional Factors: Depending on your individual interests and needs, investigate the following: athletic programs both NCAA, intramural and club sports; ROTC; and resources for students who need extra support due to physical, learning or emotional disabilities.

Finalize a list of schools to visit. If you have schools that are very similar and time does not permit pick one school and chose to visit the others later once accepted. Call, email or schedule your visit online with the admissions office well in advance since many schools require a reservation to take a tour or attend an information session. If optional or mandatory interviews are offered schedule those as well.
Carefully map out a logical route covering no more than two schools in one day. I found it worked well to drive to a location the night before and take the early morning tour when well rested.
Tips for Seniors:  Utilize the early fall to make any last minute visits. Once you receive your acceptances take advantage of the opportunity to revisit schools during accepted student days.   Arrange an overnight stay in the dorms. Remember you are the one who will be living and studying on this campus. Review all of your options with a critical eye and get answers to any last minute questions you have. 

Part II will cover additional things to consider when visiting a college campus.

Francine Schwartz is the Founder of Pathfinder Counseling LLC.  As a Certified School Counselor and Educational Consultant she has guided numerous families through the college search and selection process.  For assistance contact Francine at: 860-460-8829 or fschwartz@pathfindercounselingllc.com ;www.pathfindercounselingllc.com

Monday, February 21, 2011

Antioch College will reopen its doors in Fall 2011.  They will admit a select group of 25 students to be pioneers of their new student body.  These 25 students will receive the Horace Mann Fellowship -- a 4-year full-tuition scholarship, including special mentorship opportunities and help with paying room & board as well.
 
If you think you have an appropriate student, this sounds like an amazing opportunity. 

Tuesday, February 1, 2011

Dollars and Sense -Part II


Dollars and Sense: Demystifying College Financial Aid – Part Two

By Francine Schwartz 

 In this issue I will show you the steps to apply for financial aid, and how the award is determined.  While the process may seem like a big mystery, it is really quite straightforward, as you will see.

How is Financial Aid Determined? The formula used to compute how much financial need a family has is derived by taking the total Cost of Attendance (COA) for the college and subtracting the Expected Family Contribution (EFC). The remainder is the Financial Need. All need-based aid is figured from this bottom line.

In order to determine the EFC, the student and family must complete the FAFSA (Free Application for Federal Student Aid). It is available online at www.fafsa.ed.gov starting on January 1 for the next school year. Since each college has their own deadlines, complete the FAFSA as soon as possible even if you have not yet filed your income taxes. It is easy to go back to update and make corrections online. There is help available on the website. Families can also attend a free help session on College Goal Sunday, January 30th, 2011. Check www.collegegoalsundayusa.org for times and locations.

Once the application is reviewed the student will receive a Student Aid Report (SAR), which lists the Expected Family Contribution and whether the student is eligible to receive a Pell Grant.  Each college the student has listed on the FAFSA will receive an Institutional Aid Report. Some private colleges require an additional application such as the CSS/Financial Aid Profile. It is available online as early as October 1st, at www.collegeboard.com. There is a fee for this application with charges for each college that it is sent to. 

The Financial Aid Award Letter:  Most college award letters will list the type and amount of financial aid the student is eligible to receive.  Students can accept or decline all or part of the award. Not all colleges are able to meet a student’s full financial need. There may be a gap between the amount of aid awarded and the EFC.
The EFC itself may be higher than what you feel you are able to pay. That is because needs analysis is based on the principles that parents and students have the primary responsibility to provide for a college education. The FAFSA is income driven in order to be fair and equitable to all students and does not take into account the family’s level of debt. Be sure to find out if private scholarships affect the schools aid package and the requirements to keep the award from year to year.

Negotiating with a college: College financial aid officers may have some discretion in how they award financial aid. Therefore it is important to make a contact with a real person in the financial aid office as early in the process as possible. Special family circumstances such as a parent’s illness or job loss are often taken into consideration. Once a student has been admitted to colleges in the spring you may be able to tell one college about a better financial aid package offered at another school. The college just might be able to match the better offer.

The Bottom Line:  Take heart. There is money available to go to almost any college. Don’t rule out a college based on its sticker price alone. Sometimes the school with the higher cost of attendance will actually provide a better financial aid package than one with a lower cost.  Remember to start early, complete all forms as soon as possible and look for scholarship opportunities. Always have a financial safety school: one the student can afford to attend should they not receive sufficient financial aid or if family financial circumstances change. Get to know the financial aid officer at the colleges you are considering for additional help and advice.

Francine Schwartz is the Founder of Pathfinder Counseling LLC. As a former Assistant Director of Financial Aid, Certified School Counselor and Educational Consultant she has guided numerous families through the financial aid process. For assistance with financial aid, scholarships or other aspects of the college search and application process contact Francine at: 860-460-8829 or fschwartz@pathfindercounselingllc.com

Yale Adds New Essay Question for Engineering Applicants


App adds essay for engineers

Applicants to Yale College interested in engineering were required to write an additional essay for the first time this year.
Students who stated an intent to major in the department had to complete the essay in addition to completing the Common Application and the University’s supplemental essay, Dean of Undergraduate Admissions Jeffrey Brenzel said in an e-mail Sunday. In addition to helping admissions officers better understand the students’ interest, Brenzel said, the essay will help the University assess its recent efforts to promote its science and engineering offerings and continue its project of recruiting promising engineers.
“In many instances students were indicating an interest in engineering on their applications, but not writing about that interest specifically,” Brenzel said in an e-mail. “We thought that this route would be the best for us [to encourage the applicants to tell us more] … and we will evaluate after the cycle is over whether we wish to continue with it going forward.”
The essay asks prospective engineers to describe their experiences in engineering and to explain what appeal Yale’s engineering program holds for them, and is the latest in a string of projects designed to recruit top science and engineering students. These initiatives include a separate science and engineering viewbook in addition to the University’s general viewbook, three science and engineering forums for prospective students spanning the East Coast this fall and Yale Engineering and Science Weekend (YES-W), a program that brings 60 to 80 top science and engineering recruits from the regular-decision pool for tours of the University’s facilities, presentations of Yale’s science and engineering offerings, and discussions with professors and students.
Brenzel said Yale joins several other institutions in requiring an engineering essay, including Princeton University. Though some require engineering applicants to complete a different application than other students, both Yale and Princeton still allow prospective engineers to use the generic application.
Two engineering majors, Keila Fong ’13 and Alex Beltes ’12, said they support the addition of the essay. Fong, who is majoring in mechanical engineering and computer science, said she thinks the essay is a positive addition to Yale’s efforts to attract the top candidates for its engineering program. But Fong said she knows that some students may not share her view.
“Some people feel like rather than trying to recruit more heavily, [the University] should do more to improve the program and let it speak for itself,” Fong said. “[To these students] this is a more superficial way to address the problem rather than improving the standard of life for science and engineering majors.”
Vincent Wilczynski, deputy dean of the School of Engineering and Science, and Roman Kuc, associate dean of educational affairs at the School of Engineering and Applied Science, deferred comment to admissions officers.
Applications for regular admission were due Jan. 1. Decisions will be available online by April 1.