College Bound Spring 2018

TOP STORIES CHOOSING A MAJOR IF COLLEGE ISN'T THE RIGHT FIT STANDARDIZED TESTING: THE ACT AND SAT PAYING FOR COLLEGE: A GUIDE TO FINANCIAL AID

COLLEGE

BOUND SPRING 2018

A SPECIAL PUBLICATION OF APG WEST

2 COLLEGE BOUND

SPRING 2018

SPRING 2018

COLLEGE BOUND

TABLE OF CONTENTS A PARENTS ROLE................................................................... 4 COST CHART .......................................................................... 6 CHOOSING A MAJOR ............................................................ 7 DRINKING STORY .................................................................. 10 STANDARDIZED TESTING .................................................... 14 FINANCIAL AID ...................................................................... 18 LIFE ON YOUR OWN .............................................................. 16 IF COLLEGE ISN'T THE RIGHT FIT ........................................ 20 THE CAMPUS VISIT CHECKLIST .......................................... 22 SCHOOL SUPPLIES ................................................................ 23

EDITOR & WRITER Hannah Overton

LAYOUT & DESIGN Christine Dubbs

Enroll NOW!

Shaylee

Cascades East - Health Inforamtion 2017 KCC Graduate

WRITE YOUR OWN

SUCCESS STORY

3

4 COLLEGE BOUND

SPRING 2018

FOR THE PARENTS

C

an you believe that soon your son or daughter will be walking across the stage receiving a high school diploma? Where has the time gone?

This is an exciting time for you and your children. They’ll be heading off to college in a few months, and you will finally be able to turn their room into that den you’ve always wanted. Before you start packing up their stuff and painting over their hideous lime green walls, here’s a list of things that can help everyone ease their minds about college: • Have an honest conversation about finances. Talk to your kids about how much you will be able to contribute toward their education and what they will be responsible for. Try not to scream or freak out. College is expensive and most students have some amount of debt when they graduate. If college is too expensive, talk about other options, like community college or trade school. Set them up for future financial success.

• Did you go to college? Talk to your kids about your experiences. What did you learn? What would you have done differently?

• Help your kids pick a school. Discuss their interests, futures and plans.

Find out what they want and be supportive. Take them on college visits.

• Help them with the applications. Read over their essays before they are submitted. Offer advice on who they can use for references. Help them keep track of deadlines for applications.

• Encourage your child to apply for scholarships. You can talk to a financial advisor or do a little research yourself.

• If they ask a question and you don’t know the answer, help them find someone who does, like a school or admissions counselor.

• Teach them the basics. College bound students should know how to cook ramen, do laundry and jump start their car.

• Talk to your kids about safety. Discuss if they’re planning on checking in with you, and how often.

• We all want what’s best for our kids. Be supportive, attentive and honest.

This is a huge step for you both.

SPRING 2018

S U IN JO You graduate with more than a degree, you graduate an AGGIE. Learn more about scholarships and student life, register for a campus tour, and apply at usu.edu/admissions

COLLEGE BOUND

5

6 COLLEGE BOUND

SPRING 2018

AVERAGE PUBLISHED PUBLISHED UNDERGRADUATE UNDERGRADUATECHARGES CHARGESBY BYSECTOR, SECTOR,2017-2018 2017-2018 PUBLIC, 2-YEAR IN-DISTRICT

PUBLIC, 4-YEAR IN-STATE

PUBLIC, 4-YEAR OUT-OF-STATE

PRIVATE, NONPROFIT 4-YEAR

2017-2018

$3,500

$9,970

$25,620

$34,740

2016-2017

$3,470

$9,670

$24,820

$33,520

% Change

2.90%

3.10%

3.20%

3.60%

2017-2018

$8,400

$10,800

$10,800

$12,210

2016-2017

$8,170

$10,480

$10,480

$11,850

% Change

2.80%

$3.10%

3.20%

3.50%

TUITION & FEES

ROOM & BOARD

TUITION, FEES, ROOM & BOARD 2017-2018

$11,970

$20,770

$36,420

$46,950

2016-2017

$11,640

$20,150

$35,300

$45,370

% Change

2.80%

3.10%

3.20%

3.50% Source: collegeboard.org

COST BREAKDOWN

H

ere’s some good news: Students often end up paying less than the “sticker price” of a college or university. After financial aid is posted to your account, you are responsible for the remaining amount. Keep in mind that tuition isn’t the only cost. Here’s a list of fees you can expect to pay. Better bring some spending money!

TUITION: The price of the instruction provided by the college. Colleges charge tuition by semester or quarter. Tuition at state colleges is more affordable for in-state residents. Tuition can vary by major.

SERVICE FEES: The library, campus transportation and athletic facilities can all come at a cost which will be tacked on to your bill.

HOUSING & MEAL PLAN: Living on campus and eating in the cafeteria? Collegedata.com reports that you can expect to pay an average of $10,800 more at a four-year public school and $12,210 more at private schools per year.

BOOKS & SCHOOL SUPPLIES: College Board reports that the average cost for books and supplies for 2017-2018 school year was $1,250 at public colleges and $1,220 at private colleges. Used text books are cheaper than new, and renting text books costs even less.

PERSONAL & TRANSPORTATION: Eventually, eating in the cafeteria will get old. Venturing outside the campus bubble will cost money, and the amount you spend is completely up to you.

SPRING 2018

outside of expected AFFORDABLE Tuition.

EXCEPTIONAL Faculty.

VIBRANT Student Life.

WELCOMING Housing.

cocc.edu • 541.383.7700 2600 NW College Way Bend, OR 97703 COCC is an affirmative action, equal opportunity institution.

4 YEAR DEGREE

GUARANTEE

Full-time freshmen get the courses and advising they need to graduate in four years. pdx.edu/4

COLLEGE BOUND

7

8 COLLEGE BOUND

SPRING 2018

Find YOUR Spot Join us in a beautiful natural environment among lakes, forests and 300 days of sunshine in over 40 in-demand degrees that bring our graduates top jobs and the highest starting salaries in the state and region.

Highly ranked Bachelor and Master’s degrees in: Engineering Technology Health Business and Communication Applied Sciences

Thrive through hands-on, creative learning‌ and find your spot.

Learn more at www.oit.edu/collegebound

Now a national leader in eSports!

800.422.2017

oit.edu

CHOOSING A MAJOR As

a freshman in college, no one expects you to have everything figured out. Many schools won’t expect you to declare a major until your sophomore year. Choosing a major can be tough, but you have time. Start by taking classes that interest you. You are more likely to be successful if you study subjects you care about. Most programs require a specified number of general courses. This is a good place to branch out and try something new. You may be surprised to find what interests you.

Many incoming freshmen do not know for sure what they want to major in and a large percentage of students will change their major at least 3 times before they graduate. If you’re having trouble deciding on a major, take classes in a variety of areas to explore your interests. Most universities have general education requirements, which provides the opportunity to take those classes while still making progress towards graduation.

--- Kathleen Tarkalson, Gianchetta Student Success Center Director, University of Montana College of Business

Remember, a college major makes no guarantees that your job will be in your field of study. The U.S. Department of Labor reports that on average, twenty-somethings switch jobs every three years and the average person changes career fields two-three times in their lifetime. If there is a specific career you are passionate about, do some extra legwork to ensure you end

SPRING 2018

COLLEGE BOUND

POPULAR MAJORS The Princeton Review reports the following as the most popular college majors for successful students: Computer Science Communications Government/Political Science

English Language and Literature Psychology Nursing

Business

Chemical Engineering

Economics

Biology

up in that field: apply for internships, attend job fairs and conferences, and interview someone who holds that particular position.

A career search strategy should include full-time and part-time internships which allow students to gain valuable skills and obtain insight into what it is like to work in a particular industry or specific organization. Students should pursue meaningful internship opportunities in the private, public, and non-profit sectors that integrate knowledge and theory from the classroom with practical application in a professional setting.

--- – Kevin Andrew, Assistant Director for Internships and Employer Development, Evergreen State College

Once you have picked an area of study, do some research. Find out what students who have chosen the same major go on to do after they graduate. What possibilities are available to you? Are you interested in a job that requires specific classes? Now is a good time to figure that out and start working toward a career.

Most campuses offer student success resources. These resources can help you write a resume, explore new fields, and even connect you with potential employers. Use summers before and during college to work or volunteer with organizations that interest you. Think about how much you hope to earn, whether or not you will need healthcare benefits, and how much you want to work every week. Don’t worry about what anyone thinks. This is your career, your future, your life. Choose a major that will make you happy in every aspect.

9

10 COLLEGE BOUND

SPRING 2018

COLLEGE DRINKING 101 BE SAFE. BE SMART. BE SOBER.

H

ere’s the thing about drinking: Yes, it can be fun, but it can also be dangerous. A few hours of heavy drinking can lead to days of nauseous, painful recovery.

Days when you could be studying, exercising, making friends, or generally enjoying your life. A hangover is actually the least of your worries. Becoming intoxicated often results in poor decision making, leading to DUIs, hospitalization, or even date rape.

Once you get to college, unless you hide in your dorm room and walk to class blindfolded, you’re going to encounter alcohol.

According to a 2015 study conducted by the National Institute of Alcohol Abuse and Alcoholism, 58% of surveyed college students ages 1822 admitted to drinking. 37.9% of students reported binge drinking (the consumption of an excessive amount of alcohol in a short period of time).

If you plan to completely avoid drinking, or at least want to stay as safe as possible, consider your group of friends. “Find people who have the values you do,” says Christie, a Montana State University Student. “The people you surround yourself with shape who you become. That can be hard to recognize when you’ve been with the same friends your whole life so far.”

“It can seem like lots of students are drinking,” said Adam, a student at Montana State University in Bozeman. “But really, there are plenty of students who don’t. There are lots of fun, healthy things to do around campus.

Stick with the people who do them.”

Moderate alcohol use (as in ONE drink: 12 fluid ounces of beer, 5 fluid ounces of wine, or 1.5 fluid ounces of 80 proof distilled liquor, per day) has been said to have a few health benefits, especially when it comes to your heart. Still, according to the Mayo Clinic, the best way to reap health benefits is through a nutritious diet and exercise. Even moderate use of alcohol can have negative effects; for example, never drink and drive.

THE DARK SIDE OF COLLEGE DRINKING Provided by the National Institute of Alcohol Abuse and Alcoholism.

Every year: • Approximately 88,000 people die from alcohol-related causes.

• 1,825 college students ages of 18-24 will die from alcohol-related unintentional injuries, including motor-vehicle crashes.

• 696,000 students ages 18-24 are assaulted by another student who has been drinking.

• 97,000 students ages 18-24 experience alcohol related sexual assault or date rape.

• 1 in 4 college students report academic consequences form drinking including: missing class, performing poorly on exams or papers, and receiving lower overall grades.

SPRING 2018

COLLEGE BOUND 11

IF YOU MUST DRINK, HAVE A PLAN.

HERE’S A STRATEGY FOR COLLEGE DRINKING:

• Don’t drink the evening before an exam, presentation or event. Better yet, limit drinking to the weekends to avoid interfering with classes.

• Eat a full meal before drinking. Continue to eat while drinking.

• Plan how much you want to spend on alcohol and how much you’ll drink, then keep track of your drink count.

• Don’t combine alcohol and energy drinks. Energy drinks speed you up, making you think you can drink more than you actually can. Next thing you know, the room is spinning and you’re on your way to the ER. • Choose beverages with a lower alcohol content per volume, such as beer. Avoid shots.

• Drink a glass of water after every serving of alcohol. The idea is to fill your stomach with food and nonalcoholic drinks so you don’t drink more alcohol than you can metabolize. Also, alcohol consumption leads to dehydration which leads to a hangover.

Drink water at the end of the night to stay hydrated.

• If you’re smaller than your companions, don’t try to keep pace with them. You can’t.

Body size affects alcohol absorption rate and effects.

• Unless you watched the bartender make the drink, never accept a drink from a stranger. Keep track of your drink; don’t set it down to go to the bathroom or leave it unattended.

• Plan in advance how you are getting home with a sober driver. Does your city have Uber, taxi services or Lyft? Go out in pairs. Carry condoms, a cellphone and mace.

• Familiarize yourself with your school’s alcohol and drug policy. Some colleges have “dry” campuses, where alcohol is strictly prohibited. Others have limit restrictions and allow alcohol only in specific areas. Don’t get kicked out of school because you unknowingly break the rules.

The first 6 weeks of freshman year are a vulnerable time for heavy drinking and alcohol-related consequences. Student expectations and social pressures at the start of the year can drive you to drink. Before you get to college, decide what you want to do when it comes to drinking, and stick to your plan.

Whether you’re drinking at a party or a bar, remember that everyone you meet is not your friend. Lee, a former bartender in a college town, saw too many instances of people trying to take advantage of the drinkers around them, both male and female, for purposes of robbery, sex or predatory entertainment like filming embarrassing videos for internet posts.

“If someone wants to buy you a drink, make sure you take the drink directly from the bartender,” he advised. “No matter who buys your drink, don’t let it out of your sight. Don’t put it down. If you put it down and lose track of it, even for a minute, don’t pick it back up. Get another.”

KNOW THE SIGNS OF ALCOHOL POISONING There’s a reason it’s called “alcohol poisoning.” If you drink too much, you poison yourself and there’s a chance you will die. Thousands of college students are treated each year for alcohol poisoning, when high levels of alcohol suppress the nervous and respiratory systems and the body struggles to rid itself of the toxins produced from the breakdown of alcohol. Signs of alcohol poisoning include: • Mental confusion, loss of balance & coordination.

• Seizures • Inability to stay conscious • Chocking • Vomiting.

• Slow or irregular breathing.

• Hypothermia or low body temperature, and bluish or pale skin.

The body doesn’t stop processing alcohol after a person passes out. Alcohol continues to enter blood stream and damage the body. Medical intervention may be needed. Call 911 if you suspect alcohol poisoning.

HOW MUCH IS A DRINK? A standard drink contains about 14 grams of pure alcohol, the equivalent of: • 12 ounces of beer with 5 percent alcohol content.

• 8.5 ounces of beer with 7 percent alcohol content.

• 5 ounces of wine with 12 percent alcohol content.

• 1.5 ounces of distilled spirits with 40 percent alcohol content.

12 COLLEGE BOUND

SPRING 2018

EXCELLENCE

127 Years of academic quality 4 Idaho Professors of the Year Idaho’s #1 College (Forbes Magazine)

SUCCESS

7 Rhodes Scholars 88% Alumni are in graduate school or employed one year after graduation

VALUE

Ranked #5 in America for college value (USA Today)

Apply today at collegeofidaho.edu

SPRING 2018

FIND A COLLEGE YOU’LL TRULY LOVE love.nnu.edu

COLLEGE BOUND 13

14 COLLEGE BOUND

SPRING 2018

STANDARDIZED TESTING:

THE ACT AND SAT If

you plan on going to college, you are going to have to take either the ACT or SAT. These timed, standardized tests can make or break your application; most colleges have a score requirement in order to be admitted. Higher scores can earn more scholarship money.

Plenty of websites, (Princetonreview.com, collegeboard.org, kaptest.com and more,) offer tons of prep, from tutoring services to practice tests to study guides. Your high school guidance counselor can also offer advice on studying and signing up for these exams. Here are some Do’s and Don’ts of the ACT and SAT.

DO:

DON’T:

DO some research. The tests are different, with different scoring, different timing, and some different subjects. Learn what you can about the tests and determine which you will do better on.

DON’T forget your calculator if you are taking the ACT.

DO look into the score requirements of the schools you are applying to. You’ll want to score just as well or better to be considered for admittance.

DO take timed practice tests. This is a great way to determine where you stand and where you can improve.

DO take studying seriously. Give yourself at least a few months to prepare. Studying options are endless. Whether you hire a tutor, sign up for a course or do some online reading, do your homework!

DO take the test more than once (if possible.) It does cost money to sign up for the tests, but if you can afford to take it twice, go for it! Most students take their first test in the spring of their junior year and then again in the fall of senior year. You will be better prepared and a little more relaxed the second time around.

DON’T talk to or look at your classmates once test time begins.

You will be removed from the testing room and won’t be allowed to finish the test.

DON’T spend too much time on one question, (especially on the ACT). The tests are timed, and since you aren’t penalized for guessing answers, you will want to answer as many questions as possible. Use process of illumination to determine the right answer. If you are still completely lost, move on and come back to the question if there’s time at the end, or answer to the best of your ability.

DON’T wait until the last minute to sign up for a test. Start thinking about the ACT or SAT your sophomore year of high school and formulate a study plan. Spend at least 20 minutes a day studying and more time if you have less than three months before the test.

DON’T be late on test day. If you’re late, you won’t be allowed to take the test.

DON’T finish and turn your test in without going over your answers.

DON’T stay up all night cramming for the test. Get a good night’s sleep, a nutritious breakfast

SPRING 2018

COLLEGE BOUND 15

According to Princetonreview.com, students and parents begin preparing for college by comparing the ACT and SAT. In general, the tests cover most of the same content. Both are used for college admissions and merit-based scholarships. Colleges don't prefer one over the other, so do some research and decide which one is right for you.

SAT SectionS compriSed of math, evidence-baSed reading and Writing.

3 hourS (Without eSSay) 5 reading paSSageS coverS data analySiS meaSureS What the Student iS capable of learning.

Some math queStionS don’t alloW a calculator

50 minuteS for optional eSSay, more comprehenSion focuSed

Scored on a Scale of 4001600, (each Section iS Worth 800 pointS)

ACT SectionS compriSed of engliSh, math, reading, Science, Writing cover arithmetic, algebra i & ii, geometry and trigonometry

2 hourS, 55 minuteS (Without eSSay) Science Section that teStS

offer optional eSSayS

critical thinking SkillS

accepted at all u.S. collegeS

calculatorS alloWed

neither teStS penalize for “gueSSing” anSWerS

4 reading paSSageS meaSureS What the Student already knoWS. 40 minuteS for optional eSSay, meaSuring hoW Well StudentS can evaluate and analyze iSSueS.

Scored on a Scale of 1-36

16 COLLEGE BOUND

SPRING 2018

COLLEGE LIFE YOU’RE ON YOUR OWN

W

hen you get to college, there is no one to tell you when to eat, what to wear, when to study or how to do laundry. If you fight with your roommate, your parents won’t separate you and make you apologize to one another. Students do a lot of growing up during that first semester freshman year. Some can struggle with accountability and new-found responsibilities. The adjustment period takes a little bit (or a lot) of discipline in order for students to succeed.

at least an hour studying for each class every day, preferably more. “Most institutions have an academic support center with tutoring and other resources to help students struggling to adjust to the amount of work in college classes. Sometimes struggling with class is really because life is overwhelming, students shouldn’t be afraid to use counselors and other mental health services provided on campus.” – Rhianna Tretin, Advising and Career Specialist, MSU Billings

STUDYING

are set out for you.

Even if you’re working part time at Applebee’s, consider studying and doing well in school your most important job. You are paying a lot of money to go to college. First, find out where you are the most productive. Gilmore Girls made reading under a tree look pretty alluring, but how much reading can you really get done if you’re distracted by honking cars, beautiful weather, bros frisbee-golfing through the area or birds chirping in your ears? Find a quiet spot, (the library, your dorm room) switch off your electronic devices and make sure you have a notebook, pen and highlighter handy. Spend

My best advice is to stay on top of the to-do items that your college sets out. The college

zation in your dorm room? What if one of you wants to have friends or a girlfriend/boyfriend over? Have an upfront conversation about what each of you want, and be honest. It can be tough to voice your opinion, but discussing what works and what doesn’t work will save you a lot of anger and stress in the long run. Plus, there will be a Resident Assistant or RA. This trained peer leader can help mediate roommate discussions and offer support. Remember, you and your roommate are going through the same things together. Listen to each other and be respectful, and you will be just fine.

knows what needs to be done to help you

LAUNDRY

transition to campus, it’s best to stay aware

When I went to college, there was a laundry room in the basement of my residential hall. I can’t remember how many washers/dryers it had, but it wasn’t enough for everyone to use them at once. Stay on top of your laundry; don’t leave your clothes in the washer or dryer for too long after the cycle has finished. There’s a chance they’ll end up on the floor. As a good rule of thumb, it’s better to do your laundry before you completely run out of things to wear, especially underpants.

Separate whites, colors, lights and darks. Washing colorful clothing with similar colors in cold water will keep colors from running or fading. You’ll find out what I mean the first time you accidently wash a red sock with a load of whites. Don’t forget to wash your bedding!

and take the steps and meet the deadlines that --- – Jadon Berry, Director of New Student Programs, Evergreen State College.

ROOMMATES Whether you are best buds or you barely speak, at some point, there’s bound to be roommate drama. Several colleges offer questionnaires when applying for room and board in an attempt to pair you with a roommate who has similar sleep and study habits. Does this ensure that the two of you will get along? Heck no.

Dang it! Your best bet is to communicate. What are your expectations for cleanliness and organi-

SPRING 2018

EXTRACURRICULARS Yes, studying should be your top priority. But don’t forget to have fun! Consider joining Greek Life or an independent club or campus organization to make friends and explore new interests.

There are benefits to socializing. The people you meet could be end up offering you a job later in life or you might go into business with them.

You’ve heard, “It’s not what you know, it’s who you know”? Well, unfair though it might seem, this holds true in the real world. So get out there and make some friends. With the number of social activities, Greek life hustle, new student orientation and RA planned events, even the most introverted student will meet new people freshman year. Have fun!

REGISTER FOR CLASSES EARLY Some schools have required General Education courses. Give yourself plenty of time to sign up for those because they fill up quickly. If you

miss a deadline or can’t get into a class you need, don’t sweat it, there’s always next semester. Talk to the registrar’s office and see if they can help you out.

PROFESSORS Take the time to get to know your professors.

Make a connection with them by introducing yourself on the first day. Don’t be afraid to ask questions about the syllabus or if your having trouble understanding the lecture. Professors want to see you succeed and will usually help anyway they can.

HOMESICKNESS Feeling worried or anxious about leaving home is completely normal, but also kind of a waste of time. Mom and Dad will be phone call away. Plenty of students will be nervous and in the same boat as you, so there’s no need to fret. If you’re feeling depressed, talk to a campus

$2000 ScholarShip available

Financial Aid Available through Evans Hairstyling College

67 Winn Drive Rexburg, ID. 83440 www.evanshairstylingcollege.com 208.359.8141

COLLEGE BOUND 17

counselor. College can get lonely at times, but it’s almost always worth it to tough it out. Stay positive, and reach out to friends for support.

At the end of the day, don’t stress yourself out.

My mother is a perfectionist. She was a non-traditional student who went back to college in her 30’s to become a dental hygienist. She worked her butt off and graduated valedictorian from the dental hygienist program at UMKC. The entire time she was in college, she was a wreck, striving to do better than everyone else. Do you know what she says now? “I drove myself crazy trying to be perfect, and guess what? I graduated first in my class and I make the same amount of money as the person who graduated with the lowest grades.”

I’m not saying don’t try. Definitely try, and push yourself. But don’t make yourself sick. Everything works out in the end. If it’s not worked out, it’s not the end. You’re going to do great!

18 COLLEGE BOUND

SPRING 2018

PAYING FOR COLLEGE: A GUIDE TO FINANCIAL AID

U

nless you are excessively wealthy, figuring out how to pay for college should be at the top of your priority list. Ideally, high schoolers will have already begun researching college costs and applying for scholarships by their junior year. If you haven’t yet, don’t panic. It’s simply time to get the ball rolling.

Debt.org (a website that helps students manage and understand their debt) reports that student loan debt rose for the 18th consecutive year in 2017. Students graduating from college in 2017 will owe an average of $37,172. In order to avoid being part of the statistic, have a grasp on total expenses before you start school.

Look at total tuition prices (room and board, cost per credit hour, books, etc.) Most schools offer a “Tuition Calculator” on the Financial Aid page of their website that can give students a better idea of total out-of-pocket spending.

Do not wait until you have been accepted into college to begin thinking about how you will pay for it. A good place to start is by having a conversation about money with your parent(s) or legal guardian(s).

involvement and more. Some are as simple as filling out your basic information, while others ask for essays and resumes. Most colleges offer scholarships in several categories. If you meet the requirements, apply! As a senior in high school, try to spend two hours every week searching and applying for scholarships. Use the following websites to find some additional educational funding: • www.scholarships.com • www.FinAid.com

• www.fastweb.com

• www.ScholarshipMonkey.com

• www.salliemae.com/college-planning/college-scholarships • www.zinch.com

There are hundreds of thousands of scholarships available; money can be awarded based on academic achievements, race, religion, athletic

The FAFSA can be filled out at home or in the Financial Aid Office of your school. The easiest way to file is to fill out the online FAFSA at fafsa.ed.gov. The form consists of about 100 questions. If you have all of the required information on hand, you can fill out the form in about half an hour.

MAKE SURE TO BRING:

• Your Social Security Number • Driver’s License or State ID

Be pro-active about understanding the full cost of attending school. Tuition and housing aren’t the only costs associated with attending. Books, transportation, and miscellaneous expenses are also costs you may incur while attending. When you’re comparing costs from school to school, ensure you’re looking at the total cost to attend. Student loans are a reality for many students. Borrow wisely and borrow only what you need --- – Tracy Hall, Director of Financial Aid, Evergreen State College.

SCHOLARSHIP SEARCH Scholarships come from national and local sources and you don’t have to wait until you have been accepted into college to begin applying. Criteria for each award varies, so make sure you fit all of the requirements and read all of the guidelines. Some awards won’t transfer to other schools and some need to be reapplied for each semester.

Filling out a FAFSA will determine the amount and type of Federal Student Aid you will receive for the upcoming school year. Each year, Federal Student Aid provides over $120 billion to more than 13 million students. All students are eligible for some kind of federal aid, and it is important that every student apply, regardless of how much their parents earn.

FAFSA Once you have been admitted, file a Free Application for Federal Student Aid, or FAFSA. You can list up to 10 schools on a FAFSA, which is helpful in comparing financial aid packages.

Every state has different deadlines for filing a FAFSA, but you can begin as early as January 1st, or once you have your tax information from the previous year.

• Untaxed income records (if applicable)

• Business and Investment records (if applicable) • Alien registration Number (if not a U.S. citizen.)

• Most recent federal income tax returns, W-2s, and any other record of earnings.

(This information is accessible online, and the online form will prompt you to transfer your federal tax return into the FAFSA using the IRS Data Retrieval Tool.)

As a dependent, you will be prompted to enter your parents’ earnings information. It is helpful to have one or both parents present while filing a FAFSA. Make sure you answer each question correctly; incorrect answers will negatively affect your total aid package.

It will take 3 days to 3 weeks to get a Student Aid Report, (SAR,) which is a summary of the information you submitted. Look it over and make sure you filled everything out correctly.

Next, the schools you included on your FAFSA

SPRING 2018

will send you electronic aid offers or award letters, letting you know the financial aid you will receive from each individual school.

TYPES OF FINANCIAL AID You have been awarded your financial aid package. Before you accept or decline anything, make sure you know what you’re agreeing to.

• GRANTS & SCHOLARSHIPS: These are the best awards you can get because you will not have to repay them. These awards are based on financial need or academic achievement. Make sure you understand the requirements of these scholarships, reapply for them every year and keep your grades up.

• FEDERAL WORK STUDY: Get a parttime job on campus that will help you pay for your tuition. This program encourages students to work in a field related to their course of study. In addition to getting help with tuition, you still earn a paycheck.

• LOANS: This is where things get a little sticky. There are several different types of loans. While it’s easy to accept the loan now and worry about it later, make sure you understand interest rates, total amounts, and pay-back options. On one hand, it is recommended that, throughout your college career, you don’t borrow any more than you will earn your first year after graduating. On the other hand, how could you possibly know for certain what you will earn your first year out of college? Be as conservative as possible with loans.

o Federal Perkins Loan: Awarded based on need, this money is borrowed directly from the school. The interest rate is 5%, and you can borrow up to $5,500 per year depending on need.

o Stafford Loans: Interest levels on Federal Loans are almost always lower than the interest levels of private loans. Additionally, you don’t have to start paying them back until after you graduate, and certain jobs offer federal student loan relief.

◊ Direct Subsidized Loans: The school determines the amount you can borrow, and the U.S. Department of Education pays the interest on the loan half the time you are in school, six months after you leave school, and during a period of deferment. You can borrow $5,500 - $12,500 per year, depending on factors and year in college.

◊ Direct Unsubsidized Loans: They require no financial need, the school determines the amount you can borrow, and you are responsible for paying interest on the loan. Interest can accrue while you are in school, during grace periods or periods of forbearance. You can borrow $5,500 - $12,500 per year, depending on factors and year in college.

o Direct PLUS Loans: This is a parent loan, funded by The U.S. Department of Education. Payments for these loans are

COLLEGE BOUND 19

made while the student is still in school.

Credit counseling must be completed in order to receive this loan.

o Private/Alternative Education Loans: If you’re out of options and you still have a balance due, consider a private or alternative loan as a last resort. Eligibility and interest rate are determined by your credit history. These loans usually come with hidden fees and high interest rates, so borrower beware.

Always keep track of how much you’re borrowing. Each loan will come with a set of terms and conditions. As easy as it is to carelessly click through to the agreements page, take the time to read and process what you are signing up for. When you sign the promissory note, you are agreeing to pay back the loan, regardless of whether or not you get a job after college.

There are benefits to borrowing. Student loans are flexible, offering several different repayment plans and low interest rates. Remember to always read the fine print. You are essentially investing in your future and building your credit.

I tell students to always apply for scholarships, it is free money. Where else do you have the chance to make $1000 for an hour of work? Managing your money well is an often overlooked component of affording college. You could buy half your books on that daily latte habit; make your own coffee during college --- – Rhianna Tretin, Advising Career Specialist, MSU Billings

WHEN STUDENT IS ATTENDING COLLEGE

WHEN TO SUBMIT FAFSA

INCOME INFO REQUIRED FROM YEAR

July 1, 2018 – June 30, 2019

NOW

2016

July 1, 2019 – June 30, 2020

October 1, 2018

2017

July 1, 2019 – June 30, 2021

October 1, 2019

2018

20 COLLEGE BOUND

SPRING 2018

IF COLLEGE ISN’T

THE RIGHT FIT

A

ttending a four-year college or university provides stu- Work hard, take any opportunity to travel, read a lot and get to know yourself better. Ask yourself questions and answer them honestly: What do you dents with unmatchable opportunities. In four years, love? Where do you see yourself in 10 years? Are you more driven to find you can study abroad, explore subjects you didn't even a job that earns tons of money? Could you be happy scraping by as long as realize existed, rush a sorority or fraternity and grow in ways you're doing something you love? you never thought possible. You will meet so many people from If you allow yourself to figure out what you really want, you will be more successful. Once you discover what you want to do, or at least shape an idea different places and different walks of life and, in turn, you will of it, you will be more committed to achieving your goals. learn a lot about yourself.

Getting that degree will prove to future employers that you have the skills and determination to accomplish major goals. You will experience great success and maybe a little failure. As a result, you will be a stronger individual.

With a four-year degree, you can potentially earn more money and expect more professional options to open to you.

Still, you might not be ready for four years of college right out of high school. Maybe you don't have the resources to cover the cost. Or you haven't figured out what you would like to study. There are several alternatives worth considering in the meantime.

GAP YEAR College is crazy expensive. It can leave you saddled with debt for several years after you graduate. If you have no idea what you want to study or what job you hope to get, you may benefit from a gap year.

Take time off from school, but continue to move forward with your life.

Community colleges offer an affordable, high quality educational experience and are designed to either help achieve credentials required for a chosen career field or a pathway to a four-year degree.

Because of the open-enrollment nature, community colleges are easier to navigate and are great starting points for first-generation and adult learners. Many of the academic programs offered meet various industry workforce needs and help match skill development to higher paying jobs. At Miles Community College, we live our motto, “Start here…go anywhere!

--- --- Stacy Klippenstein, Ed.D., President, Miles Community College, Miles City, Montana

COMMUNITY COLLEGE Speaking from personal experience, I wish I had tried community college before going right into a four-year school. Community colleges offer many general education programs that can prepare you for a university at a fraction of the cost. Building your grade point average, exploring different

SPRING 2018

areas of study and carrying a lighter course load that allows you to simultaneously work are all benefits of attending a community college.

Earning a two-year or associate degree also opens many career doors.

Some occupations that require a two-year degree are paralegal, civil engineering technician, occupational therapy assistant and dental hygienist.

TRADE AND VOCATIONAL SCHOOL

If you are looking to learn a marketable skill in a hurry, trade or vocational school is a great option. Trade schools can typically be completed in two years or less and cost a fraction of what universities do.

Plus, trade schools prepare you for a specific skill – usually one that’s in demand. Lessons are taught with a hands-on approach that is ideal for many students and certain learning styles. Trade schools offer a wide array of career options, including occupational therapy assistant, sound engineering technician, web developer and crane operator.

COLLEGE BOUND 21

Miles Community College

Offering career-technical and general transfer programs in 38 degree paths. participat in the NJCAA and NIRA. MCC athletics participates

Scholarships Available!

FALL CLASSES BEGIN WEDNESDAY, Sept. 5, 2018 To apply for admission, visit campus, or learn more about MCC, contact us at 406-874-6101 or visit us on the web at www.milescc.edu

A surefire way to gain confidence, discipline and leadership skills is to enlist in the military. There are hundreds of jobs available in fields ranging from communications to weapons systems to public affairs. Military service fulfills the call to give back that so many young Americans experience. And veterans are entitled to future benefits such as college aid and home purchase assistance.

VOLUNTEER Other organizations also provide great ways to benefit the greater good.

You just have to find one you are passionate about. Good possibilities abound in the Peace Corps, AmeriCorps and the Red Cross.

The benefits are unmatched. Not only do these groups help you give back, they are a major resume builder and networking opportunity. Online research and some phone calls will get you started.

1741222

ENLIST IN THE MILITARY

2715 Dickinson St. • Miles City, MT

EOU

IS

SUCCESS

ENTRY-LEVEL JOB Or, you can go straight to work. People with an entrepreneurial spirit often succeed this way.

Entry-level positions generally require little or no training and no certification before hiring. For some people, work in transportation and restaurants, or positions as front desk agents and administrative assistants are the start of a successful career, complete with health benefits and opportunities for advancement.

Whatever paths you choose, keep in mind that more opportunities become available when you continue your education. The most important thing is that you are happy with your decisions.

ON CAMPUS | ONLINE > Programs that fit you > No out-of-state tuition for Washington & Idaho > Admission requirements that work with you!

Apply NOW! eou.edu/admissions/apply

800-452-8639 | admissions@eou.edu

22 COLLEGE BOUND

SPRING 2018

THE CAMPUS VISIT

CHECKLIST How friendly is the campus?

How easy is it to get around/navigate the campus?

How close are you to the nearest town/city?

What’s the relationship between the college and the neighboring community?

Is it easy to get groceries, dorm essentials, clothing, etc.?

Is there a shuttle service between campus buildings? How late does it run?

How many dorms are there? Are they clean and new or falling apart?

Is there Greek life? Does it have a good reputation among students?

Is there a career center?

Will the school prepare students for life after college? Are there internships available?

What kind of career advisement is offered? Do students have access to these services after they graduate?

Are there career fairs each year?

How many graduates are employed?

Is the cafeteria food good? Are there plenty of options?

Are the students happy with the college?

What is the student newspaper like?

How many students live on campus?

Do you feel safe, secure and welcome on the campus? How does it compare to other schools you have visited?

Are freshman required to live on campus? What are the exceptions?

How easy is it to change majors or transfer?

What kind of fields of study are available?

Once you have seen a few schools, decide which

How accessible are the professors? Is tutoring available?

colleges stood out to you in a positive way. Make sure to

What are the classrooms like?

job placement rates. Review any packets of information

What is the student-to-teacher ratio?

Are there computer labs available to the students?

What do students do for fun on campus? Off? How many students are involved in social activities?

compare costs, programs, student support services and you received and don’t be afraid to reach out to schools if you think of questions after the visit. If something didn’t feel right, follow your instincts. There are plenty of options available to you and eventually you will find a school that fits all of your needs.

SPRING 2018

SCHOOL

COLLEGE BOUND 23

SUPPLIES

College bound students need supplies, and not just for the classroom. Gift cards and cash are great, but there’s something nice about opening a present, especially if it’s super useful.

DORM ROOM & CLASSROOM MUST-HAVES:

THE NOT-NEARLY-AS-NECESSARYBUT-STILL-GOOD-TO-HAVE LIST:

Flipflops for the shower, along with a robe, towel, loofa, toiletries and shower caddy.

Headphones.

A planner big enough to write each homework assignment, exam date and extracurricular activities.

Luggage.

Dorm room cookbook.

Laundry hamper, laundry soap and fabric softener.

TV.

Twin-xl sheets, comforter and pillow.

Framed family photos.

Laptop with Microsoft Office

College logo gear (sweatshirts, t-shirts).

USB flash drive.

Bed-side fan.

College-ruled, multiple subject notebooks, ball point pens, highlighters, pencils and folders.

Thumb tacks.

Basic first-aid kit.

Jumper cables if they have a car, a bike lock if they have a bike.

Sturdy backpack or laptop bag.

Storage bins.

Stapler, hole puncher, index cards, post-it notes.

Hangers.

Bowls, plates, silverware for one.

Small trash can.

Air freshener.

Area Rug.

24 COLLEGE BOUND

SPRING 2018

Going Places

36 majors, exceptional faculty, and a vibrant campus setting— reach your highest potential as you pursue your passions in beautiful Ashland, Oregon.

Western Undergraduate Student Exchange Residents of participating states will automatically receive the Western Undergraduate Exchange (WUE) tuition rate upon admission to SOU—a savings of over $11,000 per academic year!

WUE applies to all majors at Southern Oregon University!

SOU.EDU

|

855-470-3377

Where you can be you