College Prep Guide Spring 2017

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COLLEGE PREP GUIDE Spring 2017

Reach Higher Montana Summit Make a Dorm Room Your Own Standardized Test Scores College Scholarships FAFSA Completion Saving for College Gifts for Grads


INSIDE College Saving Suggestions That Won’t Break the Bank

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How to Earn a College Scholarship

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Searching for Scholarships: Every Dollar Counts

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Reach Higher Montana Summit for Youth in Foster Care

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Standardized Test Scores May Hold Less Weight Than Before

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Practical Gifts for Recent Graduates

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General Manager Dave Worstell Advertising Director Ryan Brosseau Advertising Manager Shelli Scott Special Sections Coordinator Spencyr Knatterud

The College Prep Guide is a special advertising publication of The Billings Gazette.

Access the College Prep Guide at www.billingsgazette.com/specialsections

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College Prep Guide — Spring 2017

BREAK THE BANK Metro Services

FAFSA: An Important Source for Financial Aid

How to Make a Dorm Room Your Own

College Saving Suggestions That Won’t

The cost of college tuition concerns parents from all walks of life. While college continues to get more expensive, it remains a worthy investment. In its 2015-16 “College Planning Essentials” report, J.P. Morgan Asset Management dispelled the growing notion that a college education is not

worth the student loan debt many young adults assume to earn their degrees. The report noted that college graduates earn 38 percent more than high school graduates, even after factoring in student loans. The report also noted that the return on investing in college is nearly $1 million more in lifetime earnings. What’s more, a 2013 report from the Georgetown University Center on Education and Workforce projected a shortage of five million college-educated workers by 2020, suggesting that college graduates will be in high demand by the start of the next decade. While such figures highlight the importance of a college education, they may do little to ease parents’ concerns about how to finance that education. While saving enough money for college may seem impossible, parents can take steps to decrease the likelihood that their kids will need to take on substantial loans to support their e duc a tion.

 Start early. The earlier parents start saving for college, the more money their children will have to finance their education. Parents may not realize just how much college tuition is rising compared to other expenses. According to the U.S. Bureau of Labor Statistics Consumer Price Index, the cumulative percent price change of college tuition between 1983 and 2015 dwarfed the price changes of other expenses. For example, while the cumulative price change of housing rose 143 percent during that period, the cost of college tuition rose 722 percent over the same period. The earlier parents start saving for college, the more they can take advantage of compound interest that many college savings plans offer.  Schedule automatic monthly contributions to college savings accounts. Parents learn to expect the unexpected soon after their children are born. Unforeseen expenses may tempt parents to reduce or skip their monthly college savings account contributions. Reduced or missed contributions can add up over time, however, potentially reducing the totals in your child’s account by a substantial amount. Set up automatic contributions with your bank or portfolio manager so you are not tempted to use the money you set aside each month for college to finance other expenses.  Increase contributions each year. Increasing your annual college savings contributions each year can help the accounts keep pace with the inflation rate of college tuition costs. While you might not match that rate, increasing contributions each year by as little as 5 percent won’t greatly affect your overall budget but can have a considerable impact on college savings. Saving for college can seem like a daunting task. Yet parents of young children can quell their fears about college tuition costs by making a plan now and sticking to it until kids are ready to enroll in a college or university.


FAFSA Courtesy of Reach Higher Montana

Completing the Free Application for Federal Student Aid, or FAFSA, can sometimes seem like an overwhelming process for students and parents. Its importance, however, makes it a high priority action item on your college to-do list. Best of all, recent changes make the FAFSA simpler and easier to complete. In September 2015, President Obama announced that change to the federal student aid process, along with the opportunity for families to use income information from their “prior-prior year’s” taxes

to complete the FAFSA. “The switch to using taxes from two years prior means that nearly all families will have their taxes completed in time to do the FAFSA,” said Rhonda Safford, statewide coordinator of Reach Higher Montana College Goal. She went on to say the shift in timing better aligns with college application efforts, providing students and families with the ability to tackle both of these tasks at once rather than separately. “This was a big change and we commend Montana schools, counselors and fi nancial aid officers for embracing it and revising their processes to address the new circumstances of

An Important Source for Financial Aid

the FAFSA,” said Safford. “At Reach Higher Montana, we saw fi rsthand that the FAFSA was easier and less stressful for Montana families to complete due to the changes.” For the 2017-18 academic year, the FAFSA will be available October 1, 2017. The FAFSA can be accessed at www.fafsa.ed.gov, and students should avoid sites that charge to complete the FAFSA. Students and parents (if the student is dependent – generally, under the age of 24) will both need to obtain their FSA ID before doing the FAFSA. The FSA ID allows you to “sign” your FAFSA and documents for federal student loans. The

same FSA ID will be used every year that you apply for federal aid or repay federal student loans. Visit https://fsaid.ed.gov to obtain your FSA ID. “Next fall, Reach Higher Montana will be supporting local events to complete the FAFSA,” said Safford. “Keep an eye on our Facebook page and our website to fi nd an event near you.” For more information about the FAFSA, or other postsecondary preparation-related topics, visit ReachHigherMontana.org or call (877) COLG4ME.

About Reach Higher Montana Based in Helena, Reach Higher Montana is the public benefit partnership between Student Assistance Foundation (SAF) and the Montana Higher Education Student Assistance Corporation (MHESAC). The purpose of Reach Higher Montana is to guide, prepare and support Montana students in their efforts to reach their potential through higher education. Reach Higher Montana offers a range of programs that includes outreach and education finance planning.

College Prep Guide — Spring 2017

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How to Earn a College Scholarship Metro Services The cost of a college education continues to rise. The College Board says the average cost of tuition and fees for the 2015-2016 school year was $32,405 at private colleges, $9,410 for state residents at public colleges, and $23,893 for outof-state residents attending public universities. In 2013 and 2014, the average cost of a year’s tuition at a Canadian university was $5,772. The high cost of education compels many students to find ways to finance their education. For many, that means exploring available scholarships. Scholarships come in different forms and are usually offered to stu-

dents as a gift to be put toward college or university costs. Some schools offer scholarships, while other scholarships are sponsored by outside organizations. Students who meet certain requirements may be eligible for scholarships. While academic or athletic skills are the first criteria associated with scholarships, they are not the only avenues by which students can pursue scholarships. Scholarships may be offered to students of certain ethnic groups; children of employees at particular companies; or to students who live in particular states. Local branches of organizations like the Rotary Club or Kiwanis also may give out scholarships. To improve one’s odds

of getting a scholarship, consider the following tips.

Get involved with the community Many scholarship sponsors seek individuals who are committed to volunteerism. Plus, volunteering for various groups puts students in the path of information about scholarships from these organizations.

Use scholarship search engines Those who search for scholarship sponsors should find plenty of results if they peruse scholarship search engines such as Scholarships. com, CollegeBoard.com and FastWeb.com.

Check the local newspaper The coupon section of the Sunday newspaper may feature scholarships, as might the classified section. This is a great resource for finding locally based scholarships.

Use networking contacts Students should ask anyone they know if they are aware of any scholarship opportunities. Students who develop a rapport with guidance counselors or the financial aid department at their prospective colleges or universities may learn about scholarship opportunities that are not highly publicized.

These people may have which they meet the elithe inside track on schol- gibility requirements. arship information. Scholarships can help students offset the rising costs of a college educaApply for all availtion. Those who are willable scholarships ing to put in the research, Now is not the time for time and effort to apstudents to become lazy. ply may find a wealth of Students should apply for scholarship opportunias any scholarships for ties at their disposal.

Looking for scholarships? Use Scholly to find scholarships matched to your interests and characteristics, without having to fill out long forms that ask for your personal information. To obtain free access, visit ReachHigherMontana.org.

Reach Higher Montana guides, prepares, and supports students and families in their efforts to attain higher education through offices located in Billings, Bozeman, Butte, Great Falls, Helena, Kalispell and Missoula.

For more information, visit ReachHigherMontana.org or call (877) COLG4ME (265-4463) for answers! Follow us

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College Prep Guide — Spring 2017

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Searching for Scholarships: Every Dollar Counts! Courtesy of Reach Higher Montana When it comes to paying for postsecondary education, every dollar counts. As a result, finding and applying for a variety of scholarships is an excellent method of making headway on college-related bills. “Scholarships are free money,” said Katherine Foster, Reach Higher Montana’s advisor in Bozeman. “Yes, you will usually need to write an essay or complete some other type of application, but the money you receive through scholarships does not need to be repaid.” Take some time to visit with your school counselor, and contact the financial aid office at the postsecondary schools you want to attend. (About 90 percent of scholarships are awarded locally and at the schools that students attend.) In addition, Reach Higher Montana is proud to bring Montanans free access to the Scholly app and

website. The app, which was featured on a past episode of “Shark Tank,” uses an adaptive matching engine to link students with scholarships for which they qualify in seconds. To use Scholly sponsored by Reach Higher Montana, go to www.MyScholly.com and use the access code “RHM2017.” Websites like the Montana Career Information System (http:// mtcis.intocareers.org/), FastWeb. com, scholarships.com or Collegeboard.com can also be helpful to find scholarships for which you might qualify. “Remember, scholarships aren’t just available to students with the greatest financial need, although that is a consideration for some awards,” Foster said. “Instead, scholarships are available to students for reasons ranging from academic success, to athletic prowess, to volunteer efforts — in truth, there’s something for everyone.” Identifying some scholarships for which you would like to ap-

ply soon, to allow you time to ask coaches, teachers, and others for letters of recommendation. Plus, by being prepared, you won’t need to rush to complete application forms, write essays (if required), and put your best effort into attaining some money to help pay for school. Pay close attention to deadlines — don’t waste your time preparing applications for scholarships with deadlines that have already passed, and make sure you don’t miss out on scholarships with deadlines that are looming. Many scholarship committees place a great deal of emphasis on the essays that accompany scholarship applications. Keep the following in mind: Grammar and spelling count. (You aren’t texting a friend!) Promote yourself by talking about extra-curricular activities, paid and volunteer jobs and more. Share your personality and creativity through your essay in order to set your application apart

from others. Be enthusiastic about the scholarship for which you are applying and explain how receiving it will help you achieve your goals. Ask for help. Have a teacher, parent or friend edit and critique your application. Follow up. Make sure your application was received, and ask if additional information is required. Once you are notified that you have received a scholarship, accept it in order to assure that funds are reserved for you. Should you decide to attend a different school at which certain scholarships don’t apply, notify the other schools promptly so that they can free up that financial aid for other students in need. Finally, remember to extend your gratitude for the investment in your academic future by sending a thank-you note. Donors enjoy hearing from students and learning how their scholarship

funds are making a difference. Reach Higher Montana is available to provide free assistance with scholarship searches and preparation, in addition to FAFSA completion. To find an outreach office in your area, visit ReachHigherMontana.org, or call (877) COLG4ME (265-4463).

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College Prep Guide — Spring 2017

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Reach Higher Montana Advisors

Need help? Meet our advisors! Advisors are available to help Montana educators share important financial information with students. Visit ReachHigherMontana.org for a complete list of free presentations. Connect with the advisor in your area. BILLINGS & EASTERN MT JENNIFER ALMLI Regional Director

(406) 690-5265 cell (877) COLG4ME (265-4463) Press 1, then press 3

jalmli@ReachHigherMontana.org PO Box 50038 Billings, MT 59105

BOZEMAN KATHERINE FOSTER Advisor

(406) 522-6189 (406) 451-2565 cell (877) COLG4ME (265-4463) Press 1, then press 2

kfoster@ReachHigherMontana.org Bozeman High School 205 North 11th Ave., Room 168 Bozeman, MT 59715

BUTTE CULLEN GILBREATH Advisor

(406) 533-2132 (406) 285-1107 cell (877) COLG4ME (265-4463) Press 1, then press 4

cgilbreath@ReachHigherMontana.org Butte High School 401 S. Wyoming, Room 408 Butte, MT 59701

ReachHigherMontana.org follow us

#406students

#406parents

#406educators

FLATHEAD VALLEY MARY HOWARD, AFC® Regional Director

(406) 837-7420 x257 (406) 871-4735 cell (877) COLG4ME (265-4463) Press 1, then press 7

mhoward@ReachHigherMontana.org Bigfork High School 600 Commerce St. Bigfork, MT 59911

GREAT FALLS ALLEN HEISLER Advisor

(406) 952-4340 direct (406) 750-6695 cell (877) COLG4ME (265-4463) Press 1, then press 6

aheisler@ReachHigherMontana.org Columbus Center 1601 2nd Avenue N., Ste. 200-A Great Falls, MT 59401

HELENA MARTI JOHNSON Advisor

(406) 422-1275 x802 (406) 459-7094 cell (877) COLG4ME (265-4463) Press 1, then press 5

mjohnson@ReachHigherMontana.org 40 W. 6th Ave Helena, MT 59601

MISSOULA ELLEN SMITH Advisor

(406) 728-2400 x8091 (406) 880-1145 cell (877) COLG4ME (265-4463) Press 1, then press 1 again

esmith@ReachHigherMontana.org Big Sky High School 3100 South Avenue W. Missoula, MT 59804


Reach Higher Montana Summit for Youth in Foster Care Courtesy of Reach Higher Montana Applications for the 2017 Reach Higher Montana Summit for Youth in Foster Care are available at SmartAboutCollege.org with a priority deadline for submission of April 15. This year, the free camp, coordinated by Reach Higher Montana and the Montana Department of Public Health and Human Services (DPHHS), will take place June 19-22, 2017, at the Montana Tech campus in Butte. Participants will stay in the dorms, attend “classes,” eat in the cafeteria, and experience college life firsthand. In addition to finding out how to search and apply for scholarships, and apply for Education and Training Vouchers (ETVs), par-

ticipants will learn essential career and life skills. Those include how to find and maintain housing, build relationships, obtain employment, and manage money. Another important element of the summit is the opportunity for students to meet other youth in foster care who share many of the same challenges and aspirations for the future. Many times, relationships cultivated at the summit continue well beyond the end of camp. An added benefit to participants who attend the summit is the opportunity to take home a free laptop computer to assist with postsecondary education. In addition, should participants already have a laptop or iPad, or do not anticipate attending college, they can

select a package of applicable tools and resources to help them get a step ahead on life after high school. Travel assistance to help participants get to and from the summit is available, and often ride shares are coordinated in advance to allow all who are interested to participate. Participant applications are available March 1, and will be located at www. ReachHigherMontana.org. In addition, summit organizers are accepting applications from previous summit participants for team leader positions. The deadline for team leader applications is April 30. For more information, contact Rhonda Safford at rsafford@ReachHigherMontana.org or (406) 4221275, ext. 800.

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College Prep Guide — Spring 2017

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Standardized Test Scores May Hold Less Weight Metro Services College and university admissions teams use unique formulas to determine if student candidates are the right fit for their schools. For many years, admissions officers paid considerable attention to applicants’ performance on the Scholastic Aptitude Test (SAT) and/or ACT. But things have begun to change, and standardized test scores may no longer carry as much weight as they once did. Many students struggle with the pressure of college entrance exams like the SAT and ACT. Students who may be high achievers in school may not perform

well on standardized tests, or they may perform poorly because of the weight that such tests bear on their academic futures. College applicants may miss out on the opportunity to attend their preferred schools simply because of this one measure of academic prowess. However, many individuals and educators contend that these exams measure test-taking skills rather than academic ability and are therefore not necessarily strong indicators of academic performance. Many schools have changed their approach to standardized tests and the role such tests play in the college admissions process. According to the admissions

department of Harvard College, the SAT does not factor heavily into a student’s application. And while other schools say a lot of their admitted students have high test scores, these scores are not the primary factor for consideration in the application process. In 2015, George Washington University announced it would no longer require applicants to take the SAT or ACT. As many as 800 four-year colleges and universities in the United States already do not require potential prospective students to take the tests, according to NPR. Schools hope test-free admissions criteria will now capture a more diverse pool

of students. Many attest that the most reliable predictors of college success are a high school student’s grade point average and the rigor of the courses he or she takes. Still, the nonprofit College Board defends the importance of its SAT, offering that “overwhelming evidence shows that SAT scores and high school GPA in combination are the best predictors of college success.” Students preparing their college applications may rest easier knowing that SAT and ACT scores may no longer bear the same level of importance as they once did in the college admissions process.

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College Prep Guide — Spring 2017

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Practical Gifts for Recent Graduates Metro Services

following gifts can still excite ily members or friends and give and help students who are con- electronics as a joint gift. What graduate doesn’t wish tinuing their educations. to find a new car with a big bow Noise-cancelling on top in the driveway? While Electronics headphones it would be nice to begin a new Technology changes on a A set of durable headphones phase in life with a fresh set of dime, and it benefits graduates wheels, many gift-givers tend to be equipped with the latest to block out ambient noise may to lean toward more practical gadgets. A new tablet, laptop be helpful for graduates going items when buying gifts for re- or desktop computer may make on to college or post-graduate work. Grads entering the workcent graduates. a great gift. If the price tag is force can enjoy silence or music Though they might not a little high, consider poolprove as flashy as a new car, the ing resources with other fam- as they commute to their offices. These headphones also work well on flights, making them ideal gifts for new grads whose first jobs require a lot of travel.

Home luxuries

Outfit soon-to-be college freshmen with some of the niceties of home. Upgrade dorm furniture with accent pillows or a more comfortable mattress. Put together a luxury gift basket with a high-quality

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robe, electric razor, spa sham- terviews or at school networking poo, and other toiletries. functions.

Travel tickets

Treat graduates to a trip away from home. Travelers often gain new perspectives and inspiration when visiting a city, state or country for the first time. Travel is good for future entrepreneurs and may help a person stand out in a long list of job applicants. According to Forbes.com, travel can help cultivate relationships outside of one’s existing network and provide ideas from others outside of graduates’ existing personal and professional circles.

New wardrobe

Gift cards to retailers that specialize in business attire often make welcome gifts for new grads. Some students may need to update their wardrobes so they can look more professional on in-

Luggage

A new suitcase or travel bag is quite handy for students studying abroad. Choose durable luggage that can handle the rigors of travel so cash-strapped new grads have something they can rely on for years to come.

Money

Money remains a one-sizefits-all gift that can be put to many uses. Invest in a graduate’s future by buying stock in a stable company, contribute to a college savings account or help grads begin paying back their student loans. Practicality can come in handy when buying graduation gifts. The best gifts are often those that graduates can put to good use

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College Prep Guide — Spring 2017

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How to Make a Dorm Room

YOUR OWN

10:1

Metro Services College students can employ various strategies to make their dorm rooms feel more like home. Children spend roughly 17 to 18 years living under Mom and Dad’s roof. When the time comes to go away to college, young men or women find themselves on their own for the first time in their lives. Once youngsters move into their dorm rooms, many attempt to add a few personal touches to their new home. All too often a college dorm room is drab and uninspiring. Universities tend to make dorm rooms sparse so they are easy to maintain. Very often walls are made from concrete or brick, and the space may not be very large. In addition, dorm rooms are often shared with a roommate, and the idea of spending semester after semester here may not be so appealing. Students tend to arrive

on campus with fixed budgets and not a lot of spending money for new furnishings, so dorm rooms often become populated with garage-sale finds and hand-me-downs. This may only add to the room’s poor aesthetics. Making a dorm room your own does not require a lot of money or know-how. It starts with a vision, a few comforts from home and some collaboration with your roommate. The following are a few tips for young men and women looking to turn their dorm rooms from drab to fab. Know the dorm rules before making any permanent changes. Rather than face fines at the end of the school year, know what you can and can’t do to your room before making any changes. For example, schools may frown on holes in walls or other structural changes, so invest in stickon hooks for hanging photos on walls.

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College Prep Guide — Spring 2017

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data from fall 2016


Consider using a dorm room planning website. Certain websites enable students to share a collaborative shopping cart with roommates so they can coordinate colors and avoid buying two of the same items. Remember, the bed is the pivotal piece of the room. Most dorm rooms fit little more than two beds and two desks. Therefore, the bulk of your design will come from outfitting your bed with a comforter that adds color and life to the room. If you haven’t yet decided on a color scheme with your roommate, you may want to opt for neutral colors, or even basic black-and-white, which will blend with anything. Invest in other creature comforts. A nice area rug and a few decorative lamps can remove the institutional feel of overhead fluorescent lights and cinder block walls. Task lighting enables you to get work done at your desk or to read on the bed. Consider curtains to add a homey feel. While blinds certainly have their utility, fab-

ric curtains can help absorb noise and also make a dorm room feel more like home. If your dorm room has an attached bathroom, hang a shower curtain and use thick towels to make the space seem more like home. Carve out a spot for a mini refrigerator. Students should not survive on cafeteria food alone. Bring a mini refrigerator for those late-night cravings. This will save you from overpaying at vending machines or at the nearby convenience store. Ask mom what laundry detergent she uses. Smells can trigger powerful memories and emotions. Washing linens and clothing with the same detergent used at home can make school feel more familiar. Don’t forget photos. Frame photos of friends and family members and place them around your area of the dorm room. This way you will have familiar faces smiling back at you when you need a little pickme-up.

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