College Bound FALL 2017

FALL 2016

COLLEGE

BOUND FALL 2017

COLLEGE BOUND

TOP STORIES CHOOSING A SCHOOL PREPARING FOR COLLEGE: A HIGH SCHOOL TIMELINE STANDARDIZED TESTING: THE ACT AND SAT PAYING FOR COLLEGE: A GUIDE TO FINANCIAL AID

A SPECIAL PUBLICATION OF PIONEER NEWS GROUP

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EXCELLENCE

126 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

FALL 2016

TABLE

COLLEGE

BOUND FALL 2017

OF

COLLEGE BOUND

CONTENTS

CHOOSING A SCHOOL ........................................................... 4 ONLINE STUDENT RESOURCES ........................................... 5 THE CAMPUS VISIT CHECKLIST .......................................... 8 COLLEGE ON THE INTERNET: ARE ONLINE CLASSES FOR YOU? ........................................ 9 PREPARING FOR COLLEGE: A HIGH SCHOOL TIMELINE .... 12 STANDARDIZED TESTING:THE ACT AND SAT .................... 14 PAYING FOR COLLEGE: A GUIDE TO FINANCIAL AID ......... 16 YOU'RE HIRED ........................................................................ 18 BRAIN FOOD .......................................................................... 19 IF COLLEGE ISN’T FOR YOU .................................................. 22

$2000 ScholarShip available

Financial Aid Available through Evans Hairstyling College

67 Winn Drive Rexburg, ID. 83440 EDITOR & WRITER

www.evanshairstylingcollege.com 208.359.8141

Hannah Overton

LAYOUT & DESIGN Matt Gasbarre

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FALL 2016

CHOOSING

A SCHOOL

your parents or guardians have a set amount they’re willing to put toward your tuition every semester, then great! Form a plan from there. The important thing is that you at least try to have a serious discussion understanding your financial situation. This could be tough for some, but at the end of the discussion, ideally, each party will know how much tuition they are responsible for.

nce you begin high school, it is time to start thinking about where you want to go to college. Talk to your guidance counselor your freshman year to get the ball rolling. There are endless options available to you, and narrowing down the list can be intimidating and frustrating. When choosing a school, consider location, size, cost, requirements, programs and majors.

O

College is expensive. Once you have some idea of how much you will be expected to cover, talk to a financial aid advisor. Look into the employment rate of recent graduates. Find out if the college you are interested in offers career counseling. Consider tuition costs and your expected starting salary when applying for a school. If your expected starting salary is $30,000 and you’re going to have to borrow over $60,000, you may want to go somewhere more affordable.

LOCATION:

REQUIREMENTS:

I know a guy from Pennsylvania who chose Montana State University because no one else from his high school was going there. It also had the program he wanted, but getting far, far away was a major factor. If being able to come home every weekend is important to you, consider proximity when choosing a school. Attending a college in the state you already live in has its benefits; lower tuition for in-state students, closer to mom and homecooked meals, familiarity with the town's resources, etc. Still, there is something exciting about going somewhere totally different, where you barely know anyone. College is a challenging place to explore and figure out who you are.

Make sure you end up where you feel comfortable doing so.

This category encompasses a lot. Requirements mean everything from what it takes to get into the school to what it takes to graduate. Do you have the grades to get in to your field of choice? Have you taken all of the required classes? How long will it take you to graduate? What classes will you need to complete your major? Do you have to uphold a certain GPA? Are there outside factors, like internships and study abroad programs, that will have to be completed in order to graduate? Talk to an academic advisor, a guidance counselor, and other students in your field. They will know what will be demanded of you each semester.

SIZE:

This may seem obvious, but look at all the programs and majors offered at the schools you are interested in. In my aforementioned example, a friend initially chose Montana State because it was so far away. Still, it would have been completely pointless to go to a college that didn’t offer a degree he was interested in. You may love the beach, but if that’s all your dream west coast college has to offer, you’re going to waste a lot of time and money. Have a few ideas of what you want to study, and pick a school that has merited programs in those fields. Even if you’re sure you want to be an art teacher, be open to the possibility that your mind could change, and have a backup plan.

Consider the curriculum and how easily you could transfer if this school doesn’t work out. Stay true to yourself. If you love theater, study theater!

Your education will be a lot more fulfilling (and you will be more likely to succeed) if you take classes you are actually interested in. You just have to make sure your school offers them.

Can you handle a lecture hall with over 200 students where a professor instructs class through a microphone? Is that an effective way for you to learn? Or do you prefer classrooms where the student-to-teacher ratio is much smaller? Consider the size of the student body when choosing a school. Look into your major; how many students will be in your class?

Figure out if you can learn in a giant classroom or if you are more comfortable in a smaller class.

COST: Have a discussion with your parents about how you are going to pay for college. If they give vague answers like, “Oh, we’ll figure it out,” or “We’ll find a way to make it happen,” assume that “we” is actually “you” and start applying for scholarships. If you get more detailed answers, for example,

PROGRAMS AND MAJORS:

FALL 2016

COLLEGE BOUND

ONLINE STUDENT RESOURCES

F

irst and foremost, talk to your guidance counselor. They will make sure you are on the right track to graduate from high school and have tons of resources. Next, take to the internet and conduct your own research. There are several sites available to help you figure out what school to attend and what scholarships are available.

THE PRINCETON REVIEW: (WWW.PRINCETONREVIEW.COM) The Princeton Review website is dedicated to helping students earn better test scores. In addition to college searches, the website offers homework help available by subject, test prep for every college admittance exam, and links to finding a private tutor. The college search engine helps students narrow down their search based on location, school ranking, tuition, curriculum, classroom size and more. Find tons of articles offering essay writing advice, bulking up a high school resume, financial aid, and test prep.

THE COLLEGE BOARD (WWW.COLLEGEBOARD.ORG) This step-by-step college search engine asks that students pick a category that is most important to them, whether it be housing, location, diversity, cost, or activities. After a series of quick questions, it provides a list of schools that fit the student’s priorities. The website also poses questions and essays that help students figure out their futures and get to know themselves beyond high school. Explore career options and sign up for the SAT or ACT.

THE COMMON APPLICATION (WWW.COMMONAPP.ORG) If you’re on the fence about whether or not a college education is worth it, check out The Common Application. The website reminds students that they are investing in themselves and gives pointers about forming and sticking to a plan throughout high school. The Virtual Counselor provides video tutorials from professors and counselors from colleges all over the country. By filling out the Common App, students are automatically connected to several schools’ applications page.

COLLEGE DATA (WWW.COLLEGEDATA.COM) In addition to comparing over 2000 schools worldwide, use the Financial Aid Tracker to find out how much aid students like you are receiving at certain schools.

A Net Price Calculator helps students see past the sticker price and determine how much they’ll pay out-of-pocket. Find informational books, scholarships, application tips and more by logging on.

COLLEGE NAVIGATOR (WWW.NCES.ED.GOV/COLLEGENAVIGATOR) This website is a great tool for students to compare schools. By entering the name of a college or university, students can see stats from every category including tuition, fees, and estimated student expenses, retention rates, general information, financial aid and more. The site also includes a “College Affordability and Transparency Center,” which allows students to browse a list of highest and lowest tuition fees and net costs.

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FALL 2016

COLLEGE BOUND

WRITE YOUR OWN

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FALL 2016

THE CAMPUS VISIT CHECKLIST You wouldn’t buy a car without taking it for a test drive, right? The same goes for choosing a college. Sure, you can get a lot of information online, but until you have set foot on the quad, eaten in the cafeteria or spoken with an actual professor, you won’t really know what the school is like. Visit as many schools as time and money will allow to find your perfect fit. Make sure to contact the school and set up a tour so you can make the most of your visit. Take a list of questions, a pen and paper in case you forget something or think of anything new.

HOW FRIENDLY IS THE CAMPUS?

WHAT IS THE STUDENT-TO-TEACHER RATIO?

HOW EASY IS IT TO GET AROUND/NAVIGATE THE

ARE THERE COMPUTER LABS AVAILABLE TO THE

HOW CLOSE ARE YOU TO THE NEAREST TOWN/CITY?

WHAT DO STUDENTS DO FOR FUN ON CAMPUS? OFF?

WHAT’S THE RELATIONSHIP BETWEEN THE COLLEGE

HOW MANY STUDENTS ARE INVOLVED IN SOCIAL

IS IT EASY TO GET GROCERIES, DORM ESSENTIALS,

IS THERE GREEK LIFE? DOES IT HAVE A GOOD

IS THERE A SHUTTLE SERVICE BETWEEN CAMPUS

IS THERE A CAREER CENTER?

CAMPUS?

AND THE NEIGHBORING COMMUNITY? CLOTHING, ETC.?

BUILDINGS? HOW LATE DOES IT RUN?

HOW MANY DORMS ARE THERE? ARE THEY CLEAN

AND NEW OR FALLING APART?

ARE THE STUDENTS HAPPY WITH THE COLLEGE? HOW MANY STUDENTS LIVE ON CAMPUS? ARE FRESHMEN 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? HOW ACCESSIBLE ARE THE PROFESSORS? IS

TUTORING AVAILABLE?

WHAT ARE THE CLASSROOMS LIKE?

STUDENTS?

ACTIVITIES?

REPUTATION AMONG STUDENTS?

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?

WHAT IS THE STUDENT NEWSPAPER LIKE? DO YOU FEEL SAFE, SECURE AND WELCOME ON

THE CAMPUS? HOW DOES IT COMPARE TO OTHER SCHOOLS YOU HAVE VISITED?

Once you have seen a few schools, decide which colleges stood out to you in a positive way. Make sure to compare costs, programs, student support services and job placement rates. Review any packets of information you received and don’t be afraid to reach out to schools if you think of questions after the visit. Eventually, you will find a school that fits all of your needs.

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COLLEGE ON THE INTERNET: ARE ONLINE CLASSES FOR YOU? A

Q. HOW DO STUDENTS REACH OUT IF THEY HAVE QUESTIONS ON ccording to the National Center for Education StatisCLASS MATERIALS AND ASSIGNMENTS? tics, nearly 3 million students were enrolled in at least one A. Students reach out to the instructor or sometimes to other students. The online or distance learning class by the Fall of 2014. With entire instructor is available by phone, email, or through the learning management schools dedicated to online classrooms and traditional universities system. adding online classes to their catalogs, learning by logging on is becoming more popular than ever. Kimberly Obbink, Executive Q. WHAT KIND OF STUDENTS CAN BENEFIT MORE FROM LEARNING ONLINE? Director of the Extended University at Montana State University Online learning is not for everyone. MSU offers an online survey to help A. discussed online classes with us. Obbink finds that online classes you determine if learning online is right for you. For some students, online classes are great because they allow students to “go to class” at times that can be just as effective as traditional classes, but they may not be meet their own personal schedules. Students with full-time jobs or other for everyone.

Q. ARE ONLINE CLASSES AS EFFECTIVE AS LEARNING IN THE CLASSROOM? A. There are many research studies that show that online courses can be just

as effective as learning in a classroom- in some cases learning may even be improved. However, that is all dependent on the instructor, the content and the students’ motivation to learn. Online courses are not for everyone, nor do they work equally well for all subjects.

responsibilities can still take courses and pursue their educational and career goals. Students sometimes feel more comfortable participating in class discussions because they have time to read the comments from the instructor and other students and compose a response where they do not feel under pressure as they might in a traditional classroom. Online courses also allow students to engage with other students beyond the boundaries of their classroom and many students appreciate the ability to learn with people who have had other experiences from their own.

Q. SO STUDENTS CAN LOG ON FOR CLASS WHENEVER THEY WANT? Q. HOW DOES STUDYING FOR AN ONLINE CLASS DIFFER FROM A. Most of the courses at MSU allow students to log in at times that are conA TRADITIONAL CLASS? ARE THERE STILL FINALS AND venient for them within reason. There are typically weekly (or more often) HOMEWORK ASSIGNMENTS? A. Studying does not differ from studying for a traditional class. In some cases, assignments that have to be completed. Attendance requirements vary with

the instructor and are outlined in the course syllabus that is provided to students form study groups for a traditional class and that can also hapevery student. pen virtually. Online courses can vary from one institution to the next. At Montana State University, all courses offered online for academic credit include homework assignments and exams – just as if they were taught in a Q. ARE THERE CERTAIN DEGREES OR FIELDS OF STUDY THAT WORK classroom.

WELL WITH ONLINE CLASSES? WHAT ARE THE LIMITATIONS? A. There are degrees and online courses offered in almost any discipline from institutions across the United States. Often times institutions will offer a Q. IS THERE AN ACTUAL PROFESSOR? A. At MSU there is always an actual instructor. Students and instructors inter- combination of online and classroom based courses so that students may atact through online discussions, private correspondence, and sometimes video tend campus for an intensive week or short sessions on campus and supplement the course with online learning. Students need to look carefully to find collaboration. Some courses have video and audio materials as well as reada program that is right for them. ing materials. Students often produce their own video and audio content to share with the class.

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Welcome . . . #1 University for Diversity in Washington state.

Central Washington University earned the prestigious Higher Education Excellence in Diversity (HEED) Award— the only university in Washington to be honored.

At Central, you’re always welcome.

cwu.edu/welcome CWU is an EEO/AA/Title IX Institution. For accommodation e-mail: DS@cwu.edu.

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PREPARING FOR COLLEGE: HIGH

SCHOOL TIMELINE

FALL/WINTER

FALL/WINTER

Talk to your guidance counselor about the SAT and ACT. Determine which test to take and start a study plan.

Meet with your guidance counselor to discuss your interests and plans for the future.

Make sure you are on track to graduate.

Find out what classes you need to graduate.

Take some challenging or advanced placement courses.

Try new extracurricular activities.

Study hard and make good grades.

Get involved in extracurriculars. Try at least one new sport or activity (or both) each semester.

Start a conversation with your parents about college. Get their input on your plan and finances.

Shadow a professional who is in a field you are interested in.

FR

ESHM

AN

Take every opportunity to volunteer/ get involved with the community.

SPRING/SUMMER

HOMOR

Study for the ACT or SAT Work and save money.

S

OP

Volunteer or get an internship that interests you. All of this will go toward bulking up your college application.

HOMOR

“Students should participate in activities they are passionate about, not solely focus on what might look good on an application. Don’t wait until your senior year to start building your resume. You have the opportunity to showcase 4 years of clubs, sports, community service and work experience. Take advantage of that!”

--- Lauren Covington – Bozeman High School College and Career Center Coordinator

E

ESHMAN

Get a job and start a college fund.

OP

SPRING/SUMMER

Talk to people who have gone to college and get their perspective on higher education.

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S

E

A

Take the time to do in-depth research about several colleges.

FALL 2016

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“Check, double check and have someone else proof your essay before submitting it.”

--- Sally White – Bozeman High School Workforce Readiness Coordinator

FALL/WINTER Take challenging classes and keep your grades up. Seek out extra help and support from students and teachers.

Make a list of all the colleges you are interested in. Find out exactly what you will need to accomplish as far as test scores, grades, letters of recommendation, and financial requirements.

Visit as many schools on your list as possible. Attend college and career fairs.

Hold leadership positions in any extracurricular activity you are involved in.

Senioritis is real and it will getcha! Keep your grades on track, find out your class ranking, and know that it is never too late to improve.

Continue to apply for every scholarship possible.

Acquire letters of recommendation from teachers, coaches and employers.

Register to take the ACT or SAT. Have a serious discussion about financial support with your parents or guardians. This could narrow down your college list even further.

FALL/WINTER

Take the SAT or ACT again.

JUNIOR

Apply for college. Make sure you provide all of the required information.

SPRING/SUMMER

SPRING/SUMMER

Take the ACT or SAT. Get your scores, evaluate where you can improve, whether or not you are satisfied with your score, and plan on taking the test again.

JUNIOR

Apply for a summer job or internship.

Continue to visit colleges, attend college fairs, and do research Begin searching and applying for every scholarship possible.

SENIOR

By mid-March to April, you will begin receiving decision letters from schools.

Weigh options, look at all financial packages, and continue to discuss your future with your family and peers.

SENIOR

File a FAFSA if you have not already done so, including all colleges you were accepted to.

Complete any enrollment paperwork.

Mark your calendar for important dates, like orientation, and begin pulling together all of the supplies you will need for college.

CONGRATS! YOU DID IT! YOU’RE DONE WITH HIGH SCHOOL!

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FALL 2016

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. Plus, you can earn more scholarships with a higher score.

Don’t worry, there is no reason to panic. Plenty of websites, (Princetonreview.com, collegeboard.org, kaptest.com and more,) offer a lot 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 challenging courses. The harder you push yourself in school, the better you will do on the exam.

DO pay attention to what you’re doing.

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 the process of elimination 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 and a nutritious breakfast

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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

ACT

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

SectionS compriSed of engliSh, math, reading, Science, Writing

5 reading paSSageS

cover arithmetic, algebra i & ii, geometry and trigonometry

coverS data analySiS

offer optional eSSayS

3 hourS (Without eSSay)

meaSureS What the Student iS capable of learning.

accepted at all u.S. collegeS

Some math queStionS don’t

neither teStS penalize for “gueSSing” anSWerS

alloW a calculator

50 minuteS for optional eSSay, more comprehenSion focuSed

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

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

calculatorS alloWed 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

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FALL 2016

PAYING FOR COLLEGE: A GUIDE TO FINANCIAL AID

BY HANNAH OVERTON

W

hen I was in college, I had no concept of student loan debt. I filed my FAFSA each semester, usually right at deadline, and electronically signed for whatever loan money came my way. I knew college was “expensive,” but I had no idea how expensive. I figured it out pretty quickly after I graduated and the bills started rolling in.

According to Debt.org, (a website that helps students manage and understand their debt,) students who graduate 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. Most college websites offer a “Tuition Calculator” on the Financial Aid page that gives students a better idea of total out-of-pocket spending. When you start searching for schools, talk to your parents about how you will pay tuition.

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.

There are hundreds of thousands of scholarships available; money can be awarded based on academic achievements, race, religion, athletic involvement and more. Some are as simple as filling out your basic information, while others ask for es-

says 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

FAFSA Once you have been admitted into a school (or several schools,) 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.

FALL 2016 “Parents can help their children by being honest and forthcoming about what they can and can’t afford. Let them know ahead of time that they need to work hard and apply for scholarships.”

--- Katherine Foster – Reach Higher Montana

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.

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

• 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 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 Before you accept or decline anything, know what you’re agreeing to.

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

• Federal Work Study: Get a part-time job on campus that will help you pay for your tuition. This program encourages students to work in a field

COLLEGE BOUND 17

related to their course of study. In addition to getting help with tuition, you still earn a paycheck.

• Loans: There are several different types of loans. While it’s easy to accept the loan now and worry about it later, understand interest rates, total amounts, and pay-back options. Be as conservative as possible with loans.

• 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.

• Stafford Loans: Interest levels on Federal Loans are almost always lower than the interest levels of private loans. You don’t have to pay 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.

• Direct PLUS Loans: This is a parent loan, funded by The U.S. Department of Education. Payments for these loans are made while the student is still in school. Credit counseling must be completed in order to receive this loan.

• 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 rates 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 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 and offer several different repayment plans and low interest rates.

“If a student can avoid student loans and utilize financial aid and scholarships that is ideal.”

--- Brian Hanchett - Counselor Skagit Valley College

18 COLLEGE BOUND

FALL 2016

YOU’RE HIRED ASSOCIATE’S DEGREE OR POSTSECONDARY VOCATIONAL AWARD:

Registered Nurse, Nursing Aides, Orderlies and Attendants

Continuing your education opens you up for all kinds of job opportunities. The following is a list of in-demand jobs categorized by level of education.

BACHELOR’S DEGREE:

GRADUATE DEGREE

Interpreters and Translators

Nurse Practitioner (Master’s)

Elementary, Secondary and Middle School Teachers

Marriage and Family Therapist (Master’s)

Computer Support Specialists

Information Security Analysts

Preschool Teachers (excluding special education)

Accountants and Auditors

Orthotists and Prosthetists (Master’s)

Market Research Analysts

Physical Therapist (Doctorate)

Insurance Sales Agent

Construction Managers

Physician Assistant (Master’s)

Dental Hygienist

Actuaries

Genetic Counselor (Master’s)

Diagnostic Medical Sonographers

Dietician and Nutritionist

Industrial Psychologists (Master’s)

Respiratory Therapist

Biomedical Engineer

Police Officer

Civil Engineer

Veterinarian (Doctoral of Professional)

Paralegal

Computer Systems Analysts, Software Engineers, and Applications Developer

Hairdressers and Cosmetologists

Heating, Air Conditioning and Refrigeration Technician Real Estate Sales Agent

Meeting and Event Planners

Audiologists (Doctoral)

College Professor (Doctoral)

Health Services Manager Financial Adviser

These are just a few careers available once you have a degree in hand. Do some research in choosing a career. Get online, or interview someone that has the job you think you want. Find out the educational requirements, the average salary, day-to-day work flow, and level of satisfaction. Choose a job that you are genuinely interested in and you will be happy.

“I believe that you should find that career that matches your strengths and is doing something that you think is important. There will always be things in the day to day job that you don’t like so much, but if it is something you are naturally good at and you think it is important, you will most likely enjoy your career- so, even if it is VERY late in the process, it is better to change than to pursue something that is not a good fit for you.”

– Brian Hanchett, Counselor, Skagit Valley College

FALL 2016

COLLEGE BOUND 19

A LITTLE TASTE OF COLLEGE

BRAIN FOOD: HEALTHY SNACKS TO HELP YOU STAY ALERT AND FOCUSED. Lindsay K. Kordick, registered dietician and ACSM Certified Exercise Physiologist, suggests trying these healthy dorm-room approved snacks. They don’t require prep or refrigeration and will keep nicely on your book shelf. Get in the habit of eating healthy snacks now and it'll be a snap when you get to college.

Cherry Tomatoes: Tomatoes are a true wonder-food. They’re packed with antioxidants and good for your skin, kidneys, bones, heart and more.

Popcorn: As long as it isn’t coated in butter or salt, popcorn is a great crunchy, low-calorie alternative to chips.

Apples & Oranges: Packed with Vitamin C, Fiber and natural occurring sugar, apples and oranges serve as a perfect pick-me-up snack.

Oatmeal: All you need is a little water and a microwave to enjoy this hearthealthy food. 1 cup of cooked oats boasts 6 grams of protein, iron and potassium, all while staying low-fat.

Pistachios, Almonds, & Walnuts: Though they are small, nuts are loaded with protein, fiber and healthy fats. Just make sure to measure out a serving size; they’re also high in calories.

Dry Roasted Edamame: A single ounce of this power food packs 12 grams of protein and 8 grams of fiber.

20 COLLEGE BOUND

FALL 2016

A Great Education.

A Great Location.

Featuring: 

Small Class Sizes & Student-Centered Faculty & Staff



Men’s & Women’s Competitive Sports

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On-Campus Housing, Active Campus Clubs, Student Support Programs/Services

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Low Cost, Quality Instruction

Register Now:

Winter Intersession Jan. 2—27, 2018 Spring Semester Jan. 30-May 24, 2018

www.siskiyous.edu ~ 530 530--938 938--5555 ~ Weed, California

FALL 2016

COLLEGE BOUND 21

DISCOVER SCIENCE AND ENGINEERING College of Science and Engineering isu.edu/cse

LAUNCH

Your Future Here.

Join us for MSUB Preview!

Friday, November 17

Learn about the MSU Billings experience in person!

(406)657-2888 (University Campus) (406)247-3007 (City College)

@msubillings

Access & Excellence

msubillings.edu/future

#IdahoState

22 COLLEGE BOUND

FALL 2016

IF TRADITIONAL 4 YEAR COLLEGE ISN’T FOR YOU C

ollege is a huge, time-consuming, expensive commitment.

Maybe you can’t afford it, or maybe you just don’t want to go. A four-year school isn’t your only option. Consider some of the following paths if you’re not ready for a 4 year college: GAP YEAR: Take some time off school while you work. Find organizations to volunteer with, travel, save money, read a lot, and discover what really interests you.

COMMUNITY COLLEGE: Students who want to attend school but aren’t sure what to study should consider community college. Community colleges are low cost, offer several courses, and if students meet all curriculum requirements, they’ll receive an associate’s degree after two years. Most classes will transfer to whatever fouryear program students choose.

TRADE OR VOCATIONAL SCHOOL: Typically completed in two years or less, trade or vocational Schools prepare you for a specific job, including occupational therapy assistant, sound engineering technician, web developer, crane operator and more.

“Gap years come in all shapes and sizes, including travel to experience other cultures, enrolling in adventure programs such as NOLS (the National Outdoor Leadership School), working, participating in Americorps, etc. Opportunities are endless.”

--- Lauren Covington – Bozeman High School College and Career Center Coordinator

ENLIST IN THE MILITARY: Gain confidence, discipline and leadership skills. If you decide to go back to college later in life, completing your service can provide benefits such as financial aid and home purchase assistance.

COSMETOLOGY SCHOOL: If hair, skin and nails call to you, consider cosmetology school. Programs are flexible and can be completed in as little as 12 months.

ENTRY-LEVEL JOB: Explore different fields and see if you can get your foot in the door with an entry level position. At six months to a year, you will have a pretty good idea about whether or not this is the career path you want. Don’t forget to save!

outside of expected AFFORDABLE Tuition.

EXCEPTIONAL Faculty.

VIBRANT Student Life.

WELCOMING Housing.

“There are students that didn’t do so well in high school and then they get to community college and they find success. It is a great equalizer. You have students that are bound for university and have every advantage in the world, then you have students that have stumbled along the way who are looking for a way to reset. It is a supportive, diverse place.”

-Beth Wright, Career, Advising and Personal Counselor, Central Oregon Community College

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

FALL 2016

COLLEGE BOUND 23

You’re Home

Once you become a Southern Oregon University Raider, you’re home.

Our supportive Ashland campus environment and fierce commitment to spirit, inclusion and diversity provide limitless opportunities for you to reach your fullest potential.

We offer 36 majors, exceptional faculty with the highest degrees in their fields, a beautiful, vibrant campus, and easy access to an array of natural wonders.

There’s something for everyone at Southern Oregon University.

Western Undergraduate Student Exchange

Residents of California 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.

Call us and arrange a campus tour today.

SOU.EDU

|

855-470-3377

Where you can be you

24 COLLEGE BOUND

FALL 2016

FIND A COLLEGE YOU’LL TRULY LOVE

www.nnu.edu