College Prep Guide Fall 2014

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prep guide

Fall 2

Completing the FAFSA • Outreach Offices • Eating Healthy • Choosing the Right Major • Choosing the Right College • Returning to School

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College Prep Guide Fall 2014

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Application Timeline ......................................................... 4 Choosing the right college...............................................5 Choosing the right major .................................................6 Outreach Offices ................................................................. 8 FAFSA completion ........................................................... 10 FAFSA – what’s next? ....................................................11 FAFSA – get your PIN now! .........................................11 Eating healthy.................................................................... 12 Going back to school ...................................................... 14 Sales & Marketing Director — Dave Worstell Special Sections Coordinator — Linsay Duty Section Designer — Kara Peterson The College Prep Guide is a special advertising publication of The Billings Gazette.

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College Prep Guide Fall 2014

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AppliCATion TiMeline Green Shoot Media

Applying for college can be a long, time-consuming process, but it’s easier if you take it one step at a time and know what to expect. Here’s a month-by-month guideline for what high school seniors can expect as they go through the admissions process.

class schedule to make sure you’re meeting all the requirements for your target colleges, including any foreign language courses or special English or math classes that may be required.

your college resume by looking for leadership positions, volunteering and taking on some extracurricular activities.

OCTOBER

If you haven’t done so already, take the SEPTEMBER SAT and/or ACT tests as appropriate for As soon as school starts, plan on your situation. Depending on your school’s AUGUST scheduling a meeting with your guidance application deadline, October may be your Compile a list of colleges that you want counselor to make a road map for your col- last chance to get test scores submitted to to apply to. Experts recommend categoriz- lege application process. the school on time. ing them into three areas: “safe” schools You’ll want to write down all the You should also start to narrow down deadlines for when applications are due your list of college choices. Gather as much that you should easily get accepted into, — usually Dec. 1 for freshman applicants, “match” schools that are a good fit for information as you can on everything from but check with each school to make sure your academics, and “reach” schools that financial costs to student life, and comare a long shot but still worth applying for. — and take particular note of any early plete as many in-person campus visits as decision deadlines. possible.

Check the websites of these colleges You should also start requesting letters Use this month to get extremely orto find out their admission requirements, of recommendation from teachers, bosses, ganized, with a chart of every application including their application deadlines. For church leaders and anyone else who can requirement and its associated deadline: schools you’re most seriously considering, offer a positive, honest opinion about you. financial aid, letters of recommendation, now can also be a good time for an onNow is the time to start working on campus visit to see it in person. essays and application forms.

You should also review your high school your college essays, too, and you can boost

NOVEMBER This is the month when you should be putting the finishing touches on your regular admissions applications, which are typically due in December.

Have teachers, counselors and parents review your college essays, and doublecheck each of the applications to be sure you’re meeting all the requirements.

It’s also important to not let your grades dip at this time. It’s not uncommon for senior-year grades to slump, but this is a bad sign for college admissions agents.

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FEBRUARY AND MARCH You may begin receiving some acceptance letters now, but be thoughtful about making your final decision. You’ll want to compare financial aid offers and make in-campus visits before picking one definitively.

Students who filed a FAFSA form should receive their Student Aid Report (SAR). You’ll want to make sure all the information on it is correct.

Keep researching and applying for scholarships that can help you no matter where you choose to attend.

APRIL Keep all the information you receive from schools organized. You may want to compile them in folders labeled “accepted,” “rejected” and “waitlisted.”

If you’ve decided not to attend a college after receiving your acceptance letter, it’s a good courtesy to send them a letter letting them know you have ruled that school out.

MAY

If you haven’t done so already, finalize your decision and start to make financial plans for attending your chosen school.

With your regular admissions applicaLet the school know about any scholartions finished and polished to perfection, ships you have received. Also take note Dec. 1 is the deadline to actually submit of any deposit deadlines, because many them for most schools.

You’ll want to do a lot of double-check- colleges require a deposit by May. 1. Sometimes you can request an extension if you ing to make sure other people are doing their part of the job: getting the right, up- need more time.

You can take AP exams to get college to-date high school transcripts submitted and letters of recommendation mailed off. credit before you leave high school.

And finally, do the polite thing by You should also do lots of digging into sending thank-you letters to everyone who available scholarships and completing your helped you get into college — from teachFAFSA form as early as possible if you ers and counselors to your mentors and plan to apply for financial aid. family members.

DECEMBER AND JANUARY

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College Prep Guide Fall 2014

hoW To help hiGh sChooleRs

choose the right coLLege

Metro Creative

Choosing a college or university is the first big decision of many teenagers’ lives.

A youngster’s choice of college can impact the rest of his or her life, and it’s important that kids recognize the gravity of this decision.

Many kids, in particular those who realize the impact that their choice of college can have on the rest of their lives, are overwhelmed when colleges begin sending information about their programs and campus life. Such information, especially when it is unsolicited, may begin to arrive at the dawn of high school student’s sophomore year, long before many teenagers have begun to think about where to pursue their educations after high school. But as daunting a task as choosing a college may seem, teenagers should enjoy the process, as the choice of where to go to college is unlike any other decision many students will make for the rest of their lives.

Parents also can ensure the process goes more smoothly by helping their kids find the right school. That’s especially true for parents who have already been through the process with an older child. But even parents going through the process for the first time can take the following steps to help youngsters find the right college.

Discuss finances While the choice of where a student goes to college should ultimately rest with that student, it’s important that parents explain their financial situations to their kids at the outset of the selection process.

Explain how much you can contribute toward tuition and fees, and explain the differences between loans and grants. Some kids may expect their parents to foot the entire bill for their education, but such situations are increasingly rare thanks to the rising cost of a college education. Make sure kids know the financial obligations they will be taking on should they take out loans to pay for their education.

Ask kids to make a list of interests While incoming college freshman do not necessarily need to choose a major upon enrolling, kids who know their interests and what they may want to one day do for

a living may be more likely to find the right college or university for them. Parents can ask kids to write down a list of their interests, including potential career interests.

This can help kids narrow down the list of colleges and universities they are considering. For example, if a student is interested in engineering but a university on their list does not offer an engineering program, then that school can be eliminated. Kids who list multiple potential fields of study may benefit by choosing a larger school with more available programs. This can allow them to pursue more than one major or even switch majors without transferring to another school.

Visit campuses Student-athletes who hope to continue their athletic careers at the collegiate level may be limited to a certain number of official campus visits, but non-athletes face no such restrictions. While college is first and foremost about getting an education, it’s also an opportunity to grow as a person. Campus visits can give kids a feel for campus life, which varies considerably between colleges, and that feel can help them determine if a given college or university is somewhere they’re liable to feel comfortable over the next several years. Parents can accompany kids on campus visits and ask questions their kids may not know to ask but will certainly be glad to know the answers to. Traveling to various campuses can be expensive, so parents might want to delay campus visits until kids have narrowed down their lists of potential colleges.

Stay involved Some kids may succumb to the pressure of choosing a college and detach themselves from the process as a result.

While taking periodic breaks from talking about college can benefit both kids and their folks, parents should not allow such breaks to go on for too long. Stay involved in the process so kids continue to approach it with the right attitude. If kids appear to be struggling with their decision, act as a sounding board for them so they can let off some steam and clear their heads.

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College Prep Guide Fall 2014

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Tips to help students

choose the right major

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As recent college graduates can no doubt attest, the job market for young people can be difficult to navigate. Many recent graduates are still struggling to find full-time employment, and some might be wondering if they chose the right major.

Though choosing a major is about more than just finding a job, the financial burden of earning a college degree can’t be ignored.

According to the Project on Student Debt, 71 percent of college seniors who graduated in 2012 had student loan debt, with an average of $29,400 per borrower. In fact, between 2008 and 2012, the average student loan debt at graduation increased an average of 6 percent each year. So while the right major should incorporate a student’s interests, skills and strengths, it’s also important to find a major that can help students earn a living after they walk across the stage and receive their diplomas.

The following are a handful of tips college students can employ to ensure they choose the right major.

Experience

Don’t jump into it Some students might want to pick a major before they ever step foot on campus. While that strategy might work for some, it should only be employed by those students who are wholly certain a major is for them. Some students choose a major early on because they feel they may get a head start at navigating their way through a job market that recently endured exceptionally high levels of unemployment. But the pressure of finding a job should not be what drives students when choosing a major. Unless you’re entirely certain that a particular course of study is for you, give yourself some leeway and wait to choose a major. The first year or two of college is a great time to expand your academic horizons so use that time to your advantage.

Don’t procrastinate While rushing into a major is a mistake, it’s also foolish to procrastinate with regard to choosing a course of study. According to The College Board’s annual survey of colleges, the average tuition and fees at private nonprofit four-year colleges for the 2013-14 school year was $30,094, while

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College Prep Guide Fall 2014

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public four-year in-state tuition and fees averaged slightly less than $9,000 for the same year. So no matter which type of college or university a student enrolls in, he or she will be making a significant financial commitment. Waiting too long to choose a course of study may find you paying for courses you ultimately won’t need, increasing your already expensive tuition along the way.

Use the resources at your disposal Students undecided about a college major should make use of their schools’ career development departments to help them get on the right path. Many such departments provide assessment tools to help students find a major that synthesizes their interests and skills with a field of study. In addition, the personnel within career development departments have dealt with hundreds, if not thousands, of previous students who found themselves in similar situations, and that experience can prove invaluable to students who might feel lost with regard to choosing majors.

Know the requirements if you have a specific career in mind While many majors are not difficult to navigate, some fields of study have strict guidelines that students should be aware of almost immediately. For example, students hoping to attend medical school after graduation need to determine which courses they absolutely must take in order to qualify for medical school. In addition, students with such specific plans in mind often must choose their majors as early as possible so they can plan their curriculum in accordance with the standards they will need to meet to be considered for postgraduate work.

Choosing a major is a decision college students should not take lightly. But students who are unsure of what they want to study should approach the process of choosing a major with patience and an eye on finding a course of study that matches their interests with their skills.

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college goAl moNtANA:

get the helP you Need fIllINg out the fAfsA!

Courtesy of SAF

Every year, some Montana students miss out on receiving federal financial assistance because they don’t complete the Free Application for Federal Student Aid (FAFSA), according to Rhonda Safford, state-wide coordinator of College Goal Montana.

“Their reasons for not completing the FAFSA vary,” she said. “But, the truth is, the FAFSA is for everyone who wants to pursue higher education. The only thing for certain is you won’t get any financial aid if you don’t apply!”

Beginning on Jan. 1, Montana students and their families can begin completing the FAFSA for the 2015-16 Academic Year and nonprofit Student Assistance Foundation (SAF) is here to help.

Visit SmartAboutCollege.org to access videos explaining the FAFSA completion process step by step, beginning with getting a FAFSA PIN through signing and submitting the application. In addition, FAFSA filers can watch the videos on SAF’s YouTube channel, SAFTube4U. Should students or families need one-on-one assistance, the SmartAboutCollege website provides email, phone and chat options.

In addition, students and parents can check out SAF’s FAFSA — What’s in it for me? Facebook page, and Twitter feed, @GetFAFSAHelp, to access fun and informational videos, important FAFSA completion tips, and more.

SAF’s outreach managers also are available to assist with the process at no charge. Plus, SAF will be providing guidance to schools and communities who want to host their own FAFSA completion event, so students and parents should watch for information about those opportunities in their area.

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College Prep Guide Fall 2014

College Goal Montana is an annual campaign to encourage FAFSA awareness and to help students and families complete the important form. 2015 will mark the 10th year that SAF has organized the effort for Montana.

“About $150 billion in federal grants, loans and work-study funds is available each year, and that doesn’t include the state and institutional aid that is out there,” said Jennifer Almli, SAF outreach manager in Miles City.

“Financial aid professionals in Montana will tell you that the return on the investment of taking half an hour or 45 minutes to complete the FAFSA is worth it.”

Almli reminds students that many postsecondary institutions have priority deadlines for completing the FAFSA. At most Montana schools, that deadline is March 1, with the exception of The University of Montana which has a deadline of Feb. 15.

In order to complete the FAFSA, students and parents should have the following information available: • FAFSA PIN — to get your PIN, log on to www.pin.ed.gov.

Both student and parent (if the student is under the age of 24) will need a PIN. • Social Security numbers (students and parents).

• 2014 federal tax returns (or 2013 tax returns if 2014 are not complete).

• W-2s, tribal income, other aid information (TANF, child support, other benefits) • Additional asset information (money market funds, stocks, other investments).

You completed the FAFSA:

Now what?

Courtesy of SAF

Completing the Free Application for Federal Student Aid (FAFSA) is the first of many steps on the road to attaining higher education, but you aren’t finished yet.

Nolan Glueckert, Student Assistance Foundation’s outreach manager in Bozeman, suggests following these steps to get prepared for college:

age for them. Complete your application, provide a high school transcript and pay the application fee.

tigate your skills and interests in order to narrow down some areas of study to pursue. Research schools that offer instruction on those subjects. Visit the Montana Career Information System (MCIS) at https://mtcis.intocareers.org/materials/ portal/home.html for help.

financial aid package. If you are having a hard time understanding it, ask questions!

(See the next bullet.)

EXPLORE

MONTANA

STATE UNIVERSITY BIG IDEAS AND BOLD ADVENTURES

Apply for housing — Each school has different housing options and requirements for students. Investigate and make plans early.

Review your award letter — An award Choose a school and a major — Inves- letter explains the various parts of the

Apply for admission — Most schools require students to apply for admission before they will create a financial aid pack-

Ask for help — High school counselors, college admissions counselors, Financial Aid staff, and SAF outreach managers are great resources for every step along the way. Don’t hesitate to ask for help!

Use your In-State Advantage* at MSU, Montana’s premier university.

It’s PIN time…

get your PINs here!

Courtesy of SAF

generally considered to be dependent until age 24.

You will need information including name, date of birth, Social Security number, and address.

The PIN website can automatically Getting a PIN — — and immediately — create a PIN for what’s in it for you? students and parents. Or, they will be given According to Marti Johnson, an the option of choosing their own using a outreach manager at Student Assistance process that involves receiving an email Foundation (SAF), you need a PIN to sign that will provide the link to a site where documents online, like the FAFSA! In addi- that PIN can be accessed. tion, it is used to access websites including Easy enough, right?

FAFSA on the Web (fafsa.gov), National Remember, you will use the same PIN Student Loan Data System (NSLDS – to complete the FAFSA annually, along nslds.ed.gov), and more. with access student aid records and more, so keep it in a place where you can find it Here’s how to get one: again.

Students, and one parent or guardian Plus, be sure not to share your PIN with (for dependent students), will each need to anyone — it is your personal information get a PIN at pin.ed.gov prior to completing and could be used to steal your identity. the FAFSA. Go to pin.ed.gov to get started.

Keep it safe!

For purposes of the FAFSA, students are You can’t complete the Free Application for Federal Student Aid (FAFSA) until Jan. 1, but you don’t need to wait to get your federal student aid personal identification number, or PIN.

VISIT MSU CAMPUS FOR

MSU FRIDAY MARCH 21 888-MSU- CAT S • W W W.MON TAN A .EDU

*In-State Advantage: Costs for Montana students at MSU are significantly less than attending college out-of-state.

College Prep Guide Fall 2014

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how college studeNts

cAN eAt heAlthy

Metro Services

If asked to reflect on their college years, many graduates likely would not recall healthy eating habits. College students are often pressed for time and short on funds, so a nutritious diet is often sacrificed for the sake of convenience and cost.

But a healthy diet can help college students handle the stresses of college life more effectively. The following are a handful of easy ways college students can improve their diets’ nutritional value without breaking the bank.

Eat breakfast

Snack healthy

Many students find snacks are an integral part of hours-long study sessions. But trips to the vending machine for candy bars or potato chips won’t add much nutritional value to your diet. Instead of being at the mercy of vending machines, bring healthy snacks along during study sessions. Fresh fruit, raw vegetables, Greek yogurt, and whole wheat crackers are just a few snacks that pack a more nutritious punch than traditional vending machine fare. Healthy snacks also tend to provide more energy, making it easier to endure late-night study sessions.

College students tend to stay up late and sleep in, but sleeping in at the expense of a healthy breakfast can impact performance in the classroom and make students Make pizza healthier more likely to overeat later in the day. A bowl of cereal Pizza is a staple of many college students’ diets, with some fresh fruit is not an especially expensive break- so it’s likely unrealistic for them to quit pizza cold fast, but it can help college students start their day off on turkey, especially since there are ways to make pizza an energetic and healthy note. healthier. When ordering a pizza, college students can request their pizza be prepared with whole wheat dough, which is healthier than traditional pizza dough.

In addition, ask for less cheese and more tomato sauce.

Such alterations are simple and healthy without sacrificing taste.

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Scale back on sugar

Sugar can cause weight gain without providing much in the way of nutrition. College students can cut back on their sugar intake by avoiding sugary beverages, including soda and drinks like sweetened iced tea or lemonade.

College is also when many young men and women first start drinking coffee, which some people prefer to take with sugar. But students looking to keep weight off and reduce their sugar intake can choose to drink their coffee black or with just light cream or fat-free milk to ensure their morning cup of joe is not contributing to a bigger waistline.

Drink more water

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College Prep Guide Fall 2014

The symptoms of dehydration mimic those of hunger, and college students might turn to snacks when all they really need is a glass of water. If you find yourself snacking shortly after eating a meal, then you might just need to drink more water.

Few college students prioritize healthy eating habits.

But there are some inexpensive ways for on-the-go students to enjoy healthy diets.

Be seen. Be heard.

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College Prep Guide Fall 2014

13

How to determine if returning to school

makes financial sense

Metro Creative

When the financial crisis of 2008 first arrived, many people found themselves in the unemployment line. For some, unemployment proved a brief bump in the road, while others endured several years of unemployment before landing on their feet. Some men and women who lost their jobs as a result of the economic downturn have still not found gainful employment.

Many individuals who find themselves out of work or unsatisfied by their current professions consider going back to school to pursue an advanced degree or to begin studies in an entirely new field. An advanced degree can help men and women further their careers, while changing careers is often facilitated by a degree in a different course of study. But the decision to return to school involves more than a person’s career goals, especially if that person has a family or other significant financial obligations. The cost of a college education is considerable, but men and women can take steps prior to enrolling to determine if returning to school makes financial sense for them.

Determine your eligibility for aid Adults thinking of going back to school may be eligible for financial aid. Older students returning to school won’t

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College Prep Guide Fall 2014

have to worry about their parents’ income disqualifying them from financial aid, and they may even be more eligible for need-based aid when returning to school than they were when they initially enrolled as young students.

Older independent students may also be allowed to borrow more than younger students who are considered dependent. Rules regarding eligibility for financial aid varies depending on where a person lives, but those in the United States can visit www.fafsa.ed.gov for more information.

Discuss financial aid with the university you plan to attend Unlike high school students who apply to multiple colleges, adults going back to school typically value proximity when looking for a college or university in which to enroll. So it’s easy for adults to visit their local college or university’s financial aid office in person to discuss opportunities for grants or scholarships. Financial aid officers can point you in the right direction if you decide to fill out loan applications or help you find any scholarships that might be available to adult students. Financial aid departments can be invaluable resources to students of all ages, and gaining a greater understanding of the grants and

scholarships available to you can help you determine if returning to school makes financial sense for you and your family.

Determine how quickly you can repay student loans Few students can afford to attend college without borrowing money. While younger students have a lifetime to repay student loans, older students don’t have that luxury. As a result, older students must determine when they can realistically expect to pay off their loans before they borrow any money. If loans can be repaid long before retirement, then a return to school might make financial sense. But men and women who crunch the numbers and realize they will be forced to make loan payments during their retirement years might want to reconsider. A good rule of thumb for adults considering a return to school is to borrow less the closer you are to retirement.

Many adults decide to return to school years after they established themselves in the professional arena. But as much as such decisions can reignite a forgotten passion or lead men and women down an exciting new path, returning to school must also make financial sense.

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College Prep Guide Fall 2014

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College Prep 101 A free, general workshop to assist parents and students in planning for college.

Learn more about: • Navigating the college selection process • Financial planning for college • Tips on applying for admission & scholarships Tuesday, Oct. 21st or Tuesday, Nov. 18th 7:00 pm MSUB College of Education, Room 427

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College Prep Guide Fall 2014

For more information, call MSUB New Student & Retention Services at 657-2888, or visit msubillings.edu/collegeprep