SPRING 2016
YOUR GUIDE TO GETTING INTO COLLEGE Taking the leap
Financial aid College profiles
Sunday, March 13, 2016
COLLEGE GUIDE
2 | Sunday, March 13, 2016
What you need to know about getting into college COURIER STAFF
One of the biggest decisions in your life looms ahead: “Should I go to college?” With high school graduation just months away, it will soon be time to make a decision — and take the leap. But have you done the best job preparing yourself for college? Is college the right choice for you, or would you prefer a technical or professional college than can train you for a specific career?
Grade point
U.S. News & World Report suggests that colleges want to enroll students who are focused on getting the best possible education, beginning in their freshman year — of high school! That means high school shouldn’t just “happen,” you need to map out the best course (and courses) to make the most of those four years. Colleges view grades as the most important way to measure focus, but the courses you choose also are part of the equation, experts point out. Successfully completing challenging classes or taking advance placement (college-level) courses can help prove your potential. Don’t panic if your school record has a blemish, such as a bad grade. In your college application, personal essay or through teacher recommendations, ‘fess up and provide an explanation of why your grade was low or how you made a misstep in behavior, but have worked hard to improve your scores or actions. Colleges want well-rounded students, not just the academically brilliant or athletic standouts. That’s a given. But does that mean you should sign up for a bunch of clubs or extracurricular activities because they look nice on your college application? No. Instead, find activities or sports that make you feel fulfilled and give them the attention they deserve. It will show, and college admissions officers will notice.
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All-important application
There are lots of options when it comes to choosing a school or program that’s right for you, but they all cost money, right? Don’t let that be a roadblock in your desire to attend college. Did you know? With a college education, you can earn up to $800,000 more over your lifetime than you would only with a high school diploma. That’s according to a 2007 College Board study. With costs rising, seemingly on a yearly basis, a semester of college costs less now than it will later on. There are scholarships and grants offered through organizations and foundations that can help you achieve Consider cost your goals. Savings and earnings A college education is a large can help pay for tuition, fees, financial investment, but it’s also housing and daily expenses like an investment in your future. shampoo and cell phone bills.
Research potential colleges and universities. Your list may be lengthy, but begin narrowing it down in your junior year. By the time your senior year rolls around, the list should be narrowed to your top two to five or six schools. The application process can take time and create stress, so relieve the pressure by NOT overapplying. Take virtual tours and view videos about campus life at potential colleges and universities. Cruise the U.S. News & World Report Website, www.usnews. com.
Financial aid is available for many students, but you have to fill out the form to find out if you qualify, and for how much. And you’ll have to fill out those forms and reapply each year you enroll in an institution of higher learning. Grant aid from federal and state governments, institutional funds and private sources lowers the net price for a majority of college students, while benefits from federal education tax credits and deductions can reduce the costs students and their families incur. But many families may find that they earn too much to qualify for need-based financial aid, which is by far the most common source of all student aid. Need-based aid is most likely to
be granted at a public university. Families who are unlikely to qualify for need-based aid can still lower their bills through merit aid based on academic accomplishment. While toptier elite private schools typically don’t hand out such aid, many well-known colleges a notch or two down on the prestige ladder do. Schools that grant merit scholarships often outline qualifications and other details on their Web sites, and U.S. News & World Report, www.usnews. com, has a list of schools with the highest percentage of students receiving non-need based aid. Sources: Iowa College Access Network, U.S. News & World Report
8 ways to write a good essay ssay? What essay? E For many colleges and universities, an essay is included in the evaluation process conducted by colleges. That process also includes academic record, coursework, grades, class rank, extracurricular activities, volunteer experiences, honors and awards. The essays also give admissions officers a glimpse of the applicant’s writing skills. Not all institutions request essays, and some schools are reinstituting the requirement as part of their application process. And while there are colleges that may accept video statements from applicants, the written word still rules. Trouble is, how do you set yourself apart from other students who are furiously writing their own essays that reflect their own successes in chess
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COLLEGE GUIDE
club, sports or band? Same experiences, same essays. And pretty boring to college admissions officers who must read them by the hundreds, if not thousands. So how do you fill those five or so paragraphs? Do you have a special skill? Worked at a parttime job? Traveled somewhere, either in the U.S. or abroad? Whatever it is, describe it, but find a different angle than “this is how it made me feel.” What exactly did you do? Who did you meet? Or mine your family for material. Did your dad or mom build a business from the ground up? Did you work there and have a funny or rewarding experience to share? Don’t write an essay bragging about your accomplishments. Write a good story — just make sure it isn’t fiction.
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Draft an outline. Arrange your ideas in logical order. It’s important to develop a theme or major idea to make your point. Write a rough draft. Remember to show, don’t tell. Include examples and little stories and add your own character to the words. Review and edit the draft. Then set aside the essay for a few days. Make any revisions or changes you need to make. Then give the essay to two or three adults to review and edit. Make corrections. Don’t rely on Spell-Check for corrections and spelling errors. Double-check grammar, spelling, sentence structure, etc. Have someone proofread your essay. Make changes or corrections, and prepare a finished essay. And don’t forget to put your name on the essay!
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Study shows most sought-after degrees Accounting is the top degree for undergraduates, according to a 2015 study by the National Association of Colleges and Employers, a Bethlehem, PA non-profit that links college career placement offices with employers. NACE listed the top 11 degrees for students earning bachelor’s degrees and the top 10 for master’s and doctoral graduates. Top 11 degrees in demand for undergrads 1. Accounting 2. Computer science 3. Finance 4. Business administration/ management 5. Mechanical engineering 6. Information sciences and systems 7. Management information systems 8. Electrical engineering 9. Logistical/supply chain 10. Economics 11. Marketing
Top 10 degrees in demand for master’s 1. Computer science 2. Electrical engineering 3. Mechanical engineering 4. Information sciences and systems 5. Business administration 6. Accounting 7. Finance 8. Software applications 9. Computer engineering 10. Management information systems
Top 10 degrees in demand for doctoral students 1. Electrical engineering 2. Computer science 3. Software engineering 4. Computer engineering 5. Mechanical engineering 6. Chemical engineering 7. Math/statistics 8. Systems engineering 9. Industrial/ manufacturing engineering 10. Physics Source: Forbes
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7 tips to make the most of financial aid What do parents of toddlers and parents of high school students have in common? Both worry about paying for college. With the constantly rising costs of higher education, financial aid becomes more important than ever for making the dream of a college education possible. So if you’re interested in receiving financial aid, where should you start? “The Free Application for Federal Student Aid, or FAFSA, is your gateway to money for college from both the federal and state governments for most colleges and universities,” says Mark Kantrowitz, author of “Filing the FAFSA” and “Secrets to Winning a Scholarship.” “Filing the FAFSA correctly is crucial, as it has a direct effect on how much money you receive from various types of financial aid.” College Ave Student Loans partnered with Kantrowitz to offer top tips for maximizing your need-based financial aid for college: 1. Save strategically. When it comes to covering the cost of college, financial aid should be at the forefront of your mind, whether you’re ready to file the FAFSA right now or not. It’s best to save money for college in a parent’s name, rather than the student’s, as the FAFSA assesses money in the parent’s name at a much lower rate. Every $10,000 in student assets reduces aid eligibility by $2,000, while every $10,000 in parent assets only reduces eligibility by up to $564. 2. File early. The earlier you file the FAFSA, the better. Right now, you should file the FAFSA as soon as possible on or after Jan. 1, but starting in 2017, you can start as early as Oct. 1. Ten states award aid on a first come, first served basis, and 12 have hard deadlines in February and March. Specific schools can also have specific deadlines, and students who file early may qualify for more aid. So, as a rule of thumb, file the FAFSA in January to maximize your eligibility. 3. Minimize income in the
8 steps through the process 1
List your chosen schools on your financial aid applications, ACT or SAT registrations, and other forms.
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Look at the admission requirements. Are you able to meet all of them?
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Apply to more than one school — even if you think one school is perfect for you.
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Fill out admission applications online or on paper (most schools offer both).
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Visit the schools’ websites to get the forms you need.
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base year. Using income and tax information from a previous year, or base year, the FAFSA calculates the financial strength of your family. Because the formula is heavily weighted on income, it’s a good idea to reduce your income in the base year. If you can, avoid realizing capital gains. If you must sell stocks, bonds or other investments, try to offset capital gains with losses. Taking retirement plan distributions during the base year will also count as income. 4. Reduce reportable assets. Minimize your money in the bank by using it to pay credit card and loan debts. This not only makes good financial planning sense, but may help you qualify for more aid. 5. Maximize the number of children in college at the
same time. Something as simple as having more than one child in college can dramatically increase your changes of receiving more financial aid. While you can’t change the ages of your children, you can use this impact on aid eligibility as a deciding factor when determining whether to allow your child to skip a grade. 6. Seek generous and lowcost colleges. There are many generous colleges, including some in the Ivy League, which implement “no loans” financial aid policies. This means they replace loans with grants in the student’s need-based financial aid package. Additionally, in-state public colleges are likely to be your least expensive option, especially after subtracting gift aid, grants and scholarships.
7. Organize your documents and information. Filing the FAFSA is all about the details. Pay attention and stay organized to get the job done right, starting by filing the FAFSA for the correct year and staying on top of deadlines. Make sure to use the right Social Security Number, date or birth, marital status and correct financial information. Follow the instructions and fill out the forms as carefully as possible to get the most accurate results. Once you receive your financial aid award letter and assess your savings, you’ll have time to consider taking out a loan. If you need it, find a simple option that works for you, such as College Ave Student Loans. For more information and resources, visit collegeavestudentloans.com.
Check to see if your school accepts the Common Application. The Common Application is a standard form accepted by more than 600 colleges across the country. Many schools that accept the Common Application also have supplemental forms you must complete. Visit www.commonapp.org.
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Send applications as soon as you can. It’s a good idea to send your applications no later than March if you want to attend college in the fall.
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Check with your chosen schools about specific admission deadlines. Many colleges have a rolling admissions deadline, which means you can apply anytime throughout the year.
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COLLEGE GUIDE
ALLEN COLLEGE
Occupational therapy program expands growth The addition of an occupational therapy program is expanding the identity and reach of Allen College, said Dr. Cindy Hahn. Dr. Hahn is the program director and, along with two other faculty members, is eagerly awaiting the arrival of the first class of 14 students this month. “The OT program will expand the educational opportunities at Allen College,” said Dr. Hahn. We want to make people aware of the increasing number of healthcare programs we offer that lead to careers and meet growing needs.”
The process
A workforce need for occupational therapy services in the state, particularly in rural areas, was recognized early, and the formation of Allen College’s new program has been several years in the making. Dr. Hahn and academic field work coordinator, Margo Kreger, have been on staff for a year developing the curriculum while Denise Dermody has recently come aboard to complete this year’s faculty team. The accreditation process is still underway with the final review slated to begin in December. The program’s accreditation self-study will be reviewed and a site visit will be conducted by the Accreditation Council for Occupational Therapy Education in the fall of 2016.
The program
The master of science program will consist of 80 semester hours of credit and require 27 months of study, including six months of Level II Fieldwork in community settings. Once the program is accredited, graduating students will be eligible to sit for the national certification examination to become a registered occupational therapist. Occupational therapy differs from other programs offered by Allen College by the holistic nature of the profession itself. “We don’t just look at an arm that is not working. We look at
Allen College LOCATION: Waterloo PHONE: (319) 226-2000 WEBSITE: www.allencollege. edu how loss of function in that arm affects a person’s job or how they hold a baby or how they wash their dishes, and then we look at how that affects the person emotionally as well,” said Dr. Hahn. “We figure out how it affects the things that they are used to doing and help them learn to adapt.” The suites building, known as Alumni Hall across the street from Allen College, is in the final phase of renovation to provide a working OT lab in a natural environment. Existing classrooms will be used for lectures and the community has already stepped forward with opportunities for field work.
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Seamless transfer to Iowa’s four-year colleges and universities
The future
Additional construction may also be a part of the future as the occupational therapy program plans to turn more of the housing suites building into lab space and possibly add more classrooms further along down the road. “It’s a win-win for the community and the college together,” Dr. Hahn added. “The college is recognized for being very community focused. And, as a profession that is greatly involved in community-based practice, we’re able to develop a program that complements the nursing and other health science programs Allen College already offers. The OT program expands the college’s ability to develop and educate a greater variety of qualified practitioners to meet the growing healthcare needs of the community.” More information about the new programs is available by calling (319) 226-2014. WEBSITE: www.allencollege. edu
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319-296-4000 or www.hawkeyecollege.edu/go/visit
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HAWKEYE COMMUNITY COLLEGE
Students have ‘sense of belonging’ at Hawkeye There are many reasons students choose Hawkeye Community College. For some, location is key. For others, it’s small class sizes, caring faculty, and hands-on experiences in their program of choice. Still others look for a university atmosphere without the university price tag. For Waterloo East High School graduate, Te’Shea Burt, Hawkeye fulfilled many of her requirements, including making her feel like she belonged. “I liked the atmosphere,” she said. “Everyone was friendly and helped me transition to college.” Te’Shea enrolled in the Business Administration program, with the goal of transferring to complete a bachelor’s degree and a master’s degree in business. Hawkeye has many transfer agreements, including partnerships with Iowa State University, the University of Iowa, and the University of Northern Iowa, which make for seamless transfer to complete a four-year degree. Students can live on the UNI campus as one of the many housing options for Hawkeye students. Just 15 minutes from Hawkeye, living in the UNI residence halls gives students the opportunity to participate student life on both campus, including the Panther marching band, ROTC, and other clubs and organizations. Students
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Te’Shea Burt can also live in privately-owned apartments, including Hawkeye Towers and Hawkeye Village, across the street from campus. By completing the first two years of her bachelor’s degree at Hawkeye, Te’Shea receives a high-quality college education while saving more than $6,600 in tuition and fees. Eighty-eight percent of students who apply for financial aid receive assistance and more than $355,000 in scholarships are awarded annually. Hawkeye also offers more than 50 career and technical programs. Nearly one third of students choose Hawkeye to gain the skills and knowledge for a
great career in two years or less. Te’Shea’s favorite subject is math, and accounting and statistics courses quickly became some of her favorites. The instructors in those classes took a personal interest in her success, something that stems from the small class sizes and a culture of caring, student-focused learning. “The instructors here actually care,” she said. “They’re approachable and if you’re having trouble in class it’s easy to talk to them. The one-on-one communication is just awesome.” Te’Shea became active on campus. She joined the Stu-
Early decision requires commitment Early Decision and Early Action programs give high school seniors more options — and deadlines — for applying to colleges. Early decision plans are binding — a student who is accepted as an ED applicant must attend the college. Early action plans are nonbinding — students receive an early response to their application but do not have to commit
to the college until the normal reply date of May 1. Counselors need to make sure that students understand this key distinction between the two plans. Some colleges offer a nonbinding option called single-choice early action, under which applicants may not apply ED or EA to any other college. Students who apply under ED plans receive offers of admission
and financial aid simultaneously and so will not be able to compare financial aid offers from other colleges. For students who absolutely need financial aid, applying early may be a risky option. ED and EA program specifics vary, so students should get information as soon as possible directly from the admission staff at their first-choice college.
dent Ambassadors. She worked on projects for a college dean, helped run on-campus summer camps for kids, worked in the Hawkeye Bookstore, and volunteered in the community. She was also vice-president and president of the Hawkeye Multicultural Student Organization. Hawkeye students can now participate in intercollegiate sports. As a member of the Iowa Community College Athletic Conference, the Hawkeye RedTails compete in co-ed sports shooting and men’s and women’s soccer teams begin play in fall 2016. Club sports like golf and dance team and intramurals provide activities for students with all levels of interest and skill. For students who just want to stay active, the Health Education Services Center (HESC) offers fitness classes, personal training, and exercise facilities. The Brock Student Center offers a place to hang out, study, grab a bite to eat, or watch TV. Stu-
Hawkeye Community College LOCATION: Waterloo PHONE: 296-4000 WEBSITE: www. hawkeyecollege.edu dent Life hosts regular events throughout the year, from the massive and popular Fall Fest celebration to seasonal activities like a gingerbread house contest. “You get out of college what you put in,” Te’Shea said. “I enjoyed getting involved at Hawkeye.” Each year, more than 5,300 students choose Hawkeye. To see if Hawkeye Community College is the right choice for you, schedule a campus visit by calling 319-296-4000 or online at www.hawkeyecollege.edu/go/ visit.
Looking for Associate of Science in Radiography (ASR) Bachelor of Health Sciences (BHS) Medical Laboratory Science Nuclear Medicine Technology Diagnostic Medical Sonography Public Health Dental Hygiene Bachelor of Science in Nursing (BSN) Traditional, Upper Division Accelerated Option RN-BSN Masters of Science in Occupational Therapy (MS in OT)
Direction
Look to Allen College
Master of Science in Nursing (MSN) Nurse Practitioner tracks in four areas Nursing Education Nursing Leadership Community/Public Health Nursing Doctor of Nursing Practice (DNP) Doctor of Education in Health Professions Education (EdD)
(319) 226-2014 or go online at allencollege.edu.
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COLLEGE GUIDE
UPPER IOWA UNIVERSITY
An education UPPER IOWA UNIVERSITY to fit all schedules DECIDE HOW YOU 2 8 WANT TO EARN
FAYETTE — Founded in 1857, Upper Iowa University is a private, not-for-profit university providing undergraduate and graduate degree programs to students – nationally and internationally – at its Fayette campus, 25 U.S. education locations, as well as locations in Malaysia and Hong Kong. From flexible class schedules and accommodating methods of course delivery to small class sizes and convenient locations, Upper Iowa University is continuously working to meet the needs of all students. Whether a new high school graduate, non-traditional student or a member of the U.S. military, you will discover the academic program best suited for you at the UIU traditional campus in Fayette, Iowa, or any of its 25 U.S. or two international locations. Similar to each of the UIU locations, Upper Iowa University-Waterloo Center provides a unique course schedule that offers students the opportunity to take one or two classes at a time. The academic year consists of six 8-week terms. Students usually take one to two courses most terms and still graduate on schedule. Other students get a jump on completion by easily transferring in up to 90 college credits from other schools. Online classes can also be added to allow a student to aggressively work toward an undergraduate or graduate degree. Many students blend their degree plan by taking both face-toface and online courses. Credits may also be earned through an individual’s work experience through an experiential learning portfolio or various college examinations. Upper Iowa online students can pursue associate’s degrees in criminal justice, general busi-
Upper Iowa University
LOCATION: Fayette PHONE: (800) 553-4150 WEBSITE: www.uiu.edu Or contact the UIU-Waterloo Center at (319) 232-6980 or email waterloo@uiu.edu. ness, liberal arts and psychology, as well as more than 20 bachelor’s degrees in nursing, public administration, communication and more. Students also can earn master’s degrees in business administration, education, public administration, science in counseling and sports administration. UIU encourages hands-on experience and required field experience is built into most majors. . Companies also may have educational agreements with universities or colleges. UIU has developed a Corporate Advantage Program, which includes tuition discounts and other benefits. All academic advantages apply to all modes of study; however, tuition discounts only apply to programs offered as online education or through UIU centers. UIU has been named a top Military-Friendly University by Military Advanced Education and Victory Media. The online undergraduate and master’s in business administration programs at UIU was also recently ranked among best online programs for veterans and service members by U.S. News & World Report. UIU provides dual enrollment programs for high school students as well as continuing education and professional development opportunities.
YOUR DEGREE. • On campus • Online • In your community • Self-paced • Or combine learning options to fit your busy schedule
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5 ways to smooth transition to college
NORTHEAST IOWA COMMUNITY COLLEGE
COURTESY PHOTO
Connor Vaughn
The education you need for your career Computers are forever in tertwined with the workplace and integral to the operations of nearly every industry. This fact of the working world continues to generate increasing employment needs for skilled information technology professionals who know how to use computers and fix them when things go wrong. Connor Vaughn, a graduate of thecomputer analyst — networking administration and tech support program at Northeast Iowa Community College (NICC), realized that a two-year degree would prepare him for a successful career. “Whether it is servers or web sites, computer science graduates make a lot of things possible for a business,” Vaughn explained. “Industries count on information technology people to get things done or fixed for their companies. In many cases, the success of a business hinges on us.”
Northeast Iowa Community College LOCATIONS: Calmar and Peosta PHONE: (563) 562-3263, Calmar; (563) 555-5110, Peosta WEBSITE: www.nicc.edu/ academics After graduation, Vaughn chose to transfer his earned credits from NICC to the University of Dubuque to complete a bachelor of arts in computer information technology with an interest in computer networking, graphic design and social media. The NICC graduate is now pursuing a master of arts in communication from the university and knows his education and skills will be in high demand.
The need for trained information technology and other skilled professionals continues to grow, according to EMSI, Inc. research for the college’s district, and projections show growing employment opportunities through 2020 for NICC graduates. Computer analyst — business and web programming graduates in the district have an annual income range of $29,411 to $71,656 with a projected job growth of 26.2 percent. The career outlook for computer analyst — information security graduates can expect an annual income range of $48,672 to $120,972 and a job projected growth of 58.3 percent. Graduates of the computer analyst — networking administration and tech support program, such as Vaughn, earn an annual income range of $32,739 to $76,564 with a projected job growth of 25.7 percent, and computer technology, networking and programming graduates earn an annual income
range of $32,739 to $76,564 with a projected job growth of 25.7 percent. “This field is proliferating and growing and growing. I see so many job opportunities coming up, it’s unbelievable,” Vaughn explains. “The computer analyst programs at NICC take a very practical approach to teaching students. PCs go down all the time and having the experience of fixing day-to-day things or doing complex repairs will be invaluable for any computer science student.” Financial aid, scholarships, grants and other assistance enables students to attend NICC, earn a certificate, diploma or degree, and pursue successful careers. Through the NICC Foundation, 301 students received $163,951 scholarships from 2015 to 2016. During that same time, NICC students received $16.9 million in total aid to support their college education.
Transitioning from graduating high school to living in a college dorm and walking into your first college lab can be exciting and scary, too. 1. First things first: Your first job as a college student is to attend classes and labs, to study and learn new things. The goal is to perform well and make the most of your educational opportunities. 2. Seek balance: College is more than academics. Take time to get to know people and make new friends. Explore the campus and community, read the local newspaper and entertainment publications. Maybe high school was a negative experience, but it’s time to put those memories aside and start fresh. 3. Time management: Academic and social obligations can collide when your friends are inviting you out for pizza and beer, but you’ve got a research paper due the next morning that you waited until the last moment to start writing. Learn to manage your time and schedule so you will have some spare time to enjoy social activities. 4. Join in: If going Greek by joining a fraternity or sorority isn’t your thing, maybe Spanish club, the college newspaper or an intramural sport or other club/activity is a good way to get involved and grow your circle of friends. 5. Manage your money: Download an app to help budget your cash. Whether or not you have a job, you’ll need to track your expenses and expenditures, credit cards, tuition fees, grocery money, entertainment and incidentals.
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COLLEGE GUIDE
GRAND VIEW UNIVERSITY Grand View University LOCATION: Des Moines PHONE: (515) 263-2810 or (800)-444-6083 WEBSITE: www.admissions.grandview.edu
Des Moines, Iowa
YOUR CAREER
COURTESY PHOTO
Grand View University students work in the video control room as other students are filmed against a green screen.
Open a window on the world Whether you know exactly what academic path you want to follow — or you’d like to explore a variety of fields – Grand View offers programs and experiences that will open a window onto the world.
Opportunity to achieve
GV offers bachelor’s degrees in 40 majors, including business, education, nursing, graphic design, communication, human services, criminal justice, psychology, biology, biotechnology, computer science, and more. With a student-to-faculty ratio of 14:1 and an average class size of 17, GV offers its 2,000 students a quality education at an affordable price. Grand View also offers four master’s degrees, as well as night and weekend classes through the College for Professional and Adult Learning. As a member of the National Association of Intercollegiate
Athletics (NAIA) and the Heart of America Athletic Conference (HAAC), we offer 25 athletic teams for men and twelve for women. Through more than 40 clubs, organizations, and service projects, leadership opportunities abound, including the Viking Leadership Credential.
Internships and jobs
Grand View places special emphasis on hands-on experiences that truly prepare you for your career. With a population exceeding half a million people, Des Moines is the place for internships that can create your first career network and lead to a job. Partnerships with major organizations in the metro, including premier companies such as Meredith Corporation, Principal Financial, and Wells Fargo, create a variety of internship opportunities. GV’s job placement rate has been nearly 98 percent
CHART on a vibrant metropolitan campus, with the personal touch and the programs you need for success. • Average class size of 17 • 40 majors • Financial aid to 99% of • Dynamic internships full-time students • Nearly 100% • National Championship job placement for athletic teams two decades • Personal attention • Affordable tuition
of two decades; major employers hire GV graduates every year, testimony to their strong academic preparation.
Educational value
High academic standards, personal attention, hands-on education, leadership opportunities and a true commitment to your success are important parts of the quality Grand View offers. Many students find that the cost of Grand View is comparable to a state university. After grants and scholarships, 77 percent of 2014 full-time, residential GV freshmen paid tuition, fees, and room and board that were comparable to or less than the published in-state prices at Iowa’s public universities. GV Complete, our whole-degree planning and financing program, helps students graduate on time and minimize student loan debt. That’s value.
SCHEDULE A CAMPUS VISIT TODAY! Sign up online or give us a call! www.admissions.grandview.edu • 515-263-2810 • 800-444-6083
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Making sense of college award letters After months of searching, filing applications for admission, financial aid and scholarships and waiting for responses, the time will come for college-bound students to see what financial aid colleges will offer and to make some decisions on where to go. As mail arrives, students will eagerly open it up and … blink in confusion. Award letters come in many different formats, and financial aid packages are made up of different types of aid that don’t necessarily match up from school to school. Students and parents often have a hard time determining which school is offering the best financial aid package for them. Each school you apply to considers several factors when creating your financial aid package. Submitted financial information. The information you provided on the Free Application for Federal Student Aid (FAFSA) creates an overall picture of your and your family’s ability to pay for your education. This is known as the Expected Family Contribution (EFC) and depends on income, savings, number of family members in or soon to attend college, and other factors. Outside aid. If you’ve been awarded scholarships or grants from organizations outside the school and government, those will likely reduce the amount of aid offered. Available funding. Every school and the federal government have a limited amount of money to hand out to students. Depending on availability of funds and qualifications for grants, scholarships and federal student loans, you may qualify for different types and amounts of aid at different schools. Your interests and abilities. Your field of interest, the major you declare, and your participation in athletics, arts and other activities may qualify you for more scholarships specific to those areas. The availability and amount will vary from school to school.
more or take on a little more debt to graduate from a particular school because of its reputation, its ability to help you find a job in your career choice or other reasons. On the other hand, a good financial aid package may open new possibilities at a school that was previously lower on your list.
What next?
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Types of aid
With all the variables, it’s important that you pay close attention to the types of aid offered rather than just the bottom line. Gift aid. Scholarships and grants do not need to be paid back, so these carry more weight than other types of aid. Generally, the more in gift aid a school offers, the better the financial aid package, but check to see if the awards are for only a year, if opportunities are available for future years, what you need to do to requalify for or keep the awards, and what percentage of the total cost they make up. Work-study. A work-study position provides some benefits over other part-time jobs; it may be closely aligned to your declared major and offer more scheduling flexibility, for example. This is a type of self-help aid, but because the money you earn is yours to spend on college costs without repayment, it’s better than loans.
Federal student loans. Federal student loans, another type of self-help aid, often offer better rates and terms than private student loans, so they’re definitely worth considering. Be sure you understand the repayment requirements and think seriously about whether you’ll be able to make payments with your anticipated starting salary after school. Different types of federal student loans also offer different terms, so weigh the pros and cons of each type when comparing. Compare packages. Now that you know about the different types of aid, consider how each financial aid package affects the overall cost of attending that school, and then compare across schools. Consider all costs. Some award letters provide only the direct costs of tuition and room and board, while others include estimated amounts for transportation, books and supplies, required fees, and other indirect
costs. Make sure you plan for all expenses, whether they’re listed in the letter or not, as you weigh your options. Compare gift aid to selfhelp aid. A higher percentage of gift aid (like scholarships) than self-help aid (like loans) probably means you’ll graduate with less debt to repay from that particular school. As you compare different schools, also think about what percentage of the overall cost is picked up by gift aid. Keep timelines in mind. Your award letters likely show awards for the upcoming school year. Find out whether the awards are renewable for additional years, and think about how long you’ll need to attend that school. If you’ll have trouble getting into the classes you need for graduation at some schools, you may need to plan for more than four years at those institutions. Know what the school offers. You may be willing to pay
After you’ve considered the offered financial aid packages, take these steps. Follow directions. Read each letter to see what you need to do to accept or decline the package. Even if you haven’t decided which school to attend, you may need to sign and return your letter to reserve the financial aid package in case you decide to attend. Accept only what you need. A letter may offer only “yes” or “no” checkboxes for a total loan amount, but you don’t need to accept the entire loan. Carefully read the Master Promissory Note (MPN) enclosed with the offer. You don’t want to take on more debt than necessary, so if you can get by with less funding, accept only the amount you think you’ll need. Stay in contact with the schools. If you are awarded additional scholarships or take on an additional job, notify the schools you’re considering as soon as possible. Each school will need to reevaluate your need and its financial aid package. You should also notify the school if your situation has changed for the worse; if your parent lost a job, for example, you might qualify for more aid. Ask questions. Contact the financial aid office if you have any questions about the deadlines, direct or indirect costs of attendance, changes in your situation, or how to accept only part of a package. Financial aid officers can provide more information and help make sure you follow the process so you receive as much aid as possible.
IOWA LAKES COMMUNITY COLLEGE
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Emily Blanchard
Not all careers follow a traditional path mily Blanchard’s path to E Iowa Lakes wasn’t exactly a ‘straight’ road. She took all her prerequisite credits at a college close to home and made plans to attend another surgical technology program. Shortly before she was due to start there last fall, she found out the program was not accredited. “Accreditation was a huge priority for me,” Blanchard said, “because it is a requirement to take the national certification exam.” So, she began her search for a new program. When she met with Iowa Lakes Surgical Technology program advisor, Dana Grafft, Blanchard got the direct answers she was looking for. Grafft explained her expectations and the program requirements. Blanchard saw the facilities – two new state-of-the-art surgi-
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COLLEGE GUIDE
Make the most of campus visits The all-important campus visit may be the key factor in your final decision about where to attend college. Preparing for the visit involves more than packing the car and making hotel reservations. You don’t need to visit every campus you’re interested in, but visits can help you develop perspective. Pick a reasonable number, four to six. See contrasting types, some larger, smaller, urban, rural and so on, to develop perspective. Before each visit, review a college’s website and any catalogs available. Be prepared to enlarge your knowledge and alter preconceptions. Note questions you have after your research. You may want to ask these of a tour guide, interviewer or leader of a group information session. See schools farther from home first if you will not be able to later in the year, or start close to home
LOCATION: Emmetsburg, Estherville, Algona, Spencer, Spirit Lake PHONE: (866) 425-2537 WEBSITE: www.iowalakes. edu cal suites – and was impressed. Finally, she learned that the program was not only accredited but that she could also take her national certification exam right on the Iowa Lakes campus, a real benefit for someone who expressed some test anxiety. Blanchard plans to work as a surgical technologist while she completes her bachelor’s degree to ultimately enter a physician’s assistant program.
Is the school strong in your chosen academic area? If you aren’t sure what to study, are there a variety of majors available? Are you interested in any clubs or organizations offered? How much will your entire education at the school cost? How much financial aid is offered? Will you be able to pay off your school debt with the job you’re planning? What is the placement rate? Do most students who graduate obtain a job in their field? Do they get admitted to grad school? Do employers do on-campus job recruiting? What on- and off-campus housing options are available? How’s the food at the dining hall? Are there student employment opportunities either on or off campus?
YOUR FUTURE STARTS @ IOWA LAKES 1
Iowa Lakes Community College
and see a select group of schools farther away during senior fall. Develop a timetable to be prompt for tours or appointments. Study road maps, plane schedules; get directions from the college (these are often in the back of viewbooks, or on the Web site). Know where you will stay overnight. Colleges will usually have suggestions for local accommodations. Dress appropriately. Show that you take the college or interview seriously. Talk to faculty, coaches and students involved in the activities that interest you. Here are some questions to ask on your visit: How long, on average, does it take students to graduate? What is the student/faculty ratio? Does the faculty include teaching assistants or do professors teach the majority of classes? Is the major you want offered?
100+ areas of study to choose from.
2 Save $4,936 per year.*
3
Over $800,000 in scholarships available.
1-866-IA-LAKES WWW.IOWALAKES.EDU ALGONA • EMMETSBURG • ESTHERVILLE • SPENCER • SPIRIT LAKE *Compared to Iowa Public Colleges & Universities. Source: Iowa College Student Aid Commission. For more information about our graduation rates, the median debt of students who completed the program, and other important information, please visit our website at www.iowalakes.edu.
COLLEGE GUIDE
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ELLSWORTH COMMUNITY COLLEGE
Education preparing student for ag future IOWA FALLS – “It’s a funny story how I ended up at Ellsworth Community College,” says Brian Klein of Sanborn, Iowa. “I was looking for a college with a GPS (global positioning system) program so I googled ‘GPS College’ and Ellsworth was toward the top of the list. I looked into ECC and some other colleges, but ECC’s program has a Case IH Scout utility vehicle, and that drew me in. I love vehicles! I came to Iowa Falls, met ECC Agriculture instructor Kevin Butt, saw the Scout, looked at some class projects, and the rest is history.” “Kevin’s a good salesman, I’ll say that!” Klein adds. “I just knew this was a hands-on kind of program that I’d enjoy. I don’t like to do research … I’d rather get my hands dirty and do some
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Ellsworth Community College sophomore Brian Klein of Sanborn is pictured with the ECC Ag Department’s Case IH Scout, part of the Mobile Precision Ag Lab. actual work.” Now an ECC sophomore, Klein knows all about hard work. As a junior in high school, he and
friend Tyler Fischer started their own swine vaccination business, B&T Vaccinating, in 2012. “We got business cards made, got out
there and marketed ourselves a bit, and before long we were busier than we ever dreamed we’d be,” Klein explains. “I wrestled in high school so after class I’d go to wrestling, get home at 8 p.m., and then go vaccinate pigs with Tyler until midnight. It’s a tough job that no one really wants to do, so we were busy. You’re bent at the waist catching baby pigs in 90+ degree heat, and you have to make sure you get each and every one of them. It’s really tedious, but if you have a good partner you trust and you’re both good at paying attention to details, it can be successful.” Fischer left the business during their senior year of high school, and then Klein and new partner Michael Wolthuizen lost quite a few clients when they left
Ellsworth College LOCATION: Iowa Falls PHONE: (800) 322-9235 WEBSITE: www. EllsworthCollege.com home to attend Ellsworth Community College. Klein was invited last fall to tell his story in front of a crowd of ECC donors at the Ellsworth College Foundation’s annual Gala fundraiser. He has received scholarships to attend ECC, and he told the donors that for his business to raise $1,000 (the equivalent of one of his scholarships), they’d have to vaccinate 10,000 pigs. He told the donors that their scholarship gifts “help kids like me and others not as fortunate as me. They can make it possible for someone to get a college education. That’s changing lives!”
Inspiring and supporting student success for 125 years! • Graduation/Transfer rate Top 4% in the nation • One of the most generous community college scholarship programs in the state • 57 degree/diploma options, including 11 unique Agriculture & Animal Science programs ECC is a smaller, affordable community college that our students say “just feels like home.” We offer monthly Panther Preview Days so you can see our beautiful campus, learn about our programs, meet our faculty, and get answers to all of your questions. Register online at ECCAdmissions.com. 1100 College Avenue, Iowa Falls, IA
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Ph: 1-800-322-9235
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COLLEGE GUIDE
UNIVERSITY OF NORTHERN IOWA
UNI. The Right Fit.
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Our students have found the right fit at the University of Northern Iowa. We’re a small university with big-time opportunities, and we’re consistently recognized as one of the best Midwest universities by U.S. News and World Report. At UNI, if a student is looking for it, we have it! From being the state’s most affordable four-year institution for in-state residents to our great faculty, it’s easy to see why students pick UNI for their next big step in life. Choose UNI because it’s affordable. “I chose UNI over the private colleges I was considering because it was affordable, allowing me to participate in memorable experiences out of
University of Northern Iowa LOCATION: Cedar Falls PHONE: (800) 772-2037 WEBSITE: www.uni.edu the classroom, such as service trips and study abroad.” Choose UNI because of our great faculty. “More than anything, I will remember the relationships I established at UNI. Some of these are professional relationships with faculty who have been outstanding mentors and provided me with significant guidance and support through
my growth as a teacher.” Choose UNI because of the experiences you’ll have. “I can’t imagine a better experience at another university. I was provided with and was encouraged to seek out opportunities that would help me grow as a student, a professional, a leader and a citizen.” Choose UNI because it’s the right fit! “I knew UNI was right for me because of the atmosphere on campus, the organizational opportunities and the student body in regard to faculty size. I wanted a personal experience, and I knew UNI could provide me with the tools necessary to succeed.” Learn more at uni.edu.
It’s your future. Take the Lead. Northeast Iowa Community College is the smart choice to start your education and career training. Where will your degree take YOU. • Transfer your degree to a four-year college or university. • Earn your degree and start your career.
TAKE THE LEAD. APPLY TODAY. www.nicc.edu/apply
CALMAR 563.562.3263 • PEOSTA 563.556.5110
Our Graduates are in Demand! 94% of our graduates are employed or continuing their education six months after graduation.
COLLEGE GUIDE
14 | Sunday, March 13, 2016
CENTRAL COLLEGE
Central gives students tools to succeed PELLA — We believe one person can make all the difference. That’s why Central is focused on your success. Founded in 1853, Central College provides an exceptional education for undergraduate students. With dedicated professors and zero classes taught by teaching assistants, Central gives you the tools to pursue your passion, whether that means partnering with professors on research, starting a business or preparing for medical school. You become part of the action, with endless opportunities to intern, participate in clubs and athletics, and make lifelong connections with faculty, students and alumni. Central’s 71 academic programs include pre-professional tracks. 76 percent of students complete internships, either as part of
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Central’s pre-health programs prepare you to enter fields like physical therapy, medicine, nursing, dentistry and more. programs in Chicago, New York or Washington, D.C., or at hundreds of sites around the world. Engineering, the college’s newest major, offers a bachelor of
science degree in four years with time for study abroad, activities and a comprehensive liberal arts education. Learn. With an average class
size of 16 students, you’ll have the chance to interact closely with professors and classmates. Go. Looking to gain a global perspective? Among Central students, 55 percent have an international experience. Choose from programs around the world and still graduate in four years or less. In addition to semester-long experiences, there are many summer programs and opportunities through classes. Play. Whether you’re playing a sport, a role in a theater production or an instrument, at Central you will find your niche. More than 100 student organizations include everything from the Rugby Club to Student Senate, and among the 18 musical ensembles is the unique Flying Pans Steel Drum Band. Central’s 19 sports programs have won 11 national NCAA Division III team championships.
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Central College LOCATION: Pella PHONE: (641) 638-9000 WEBSITE: www.central.edu Connect. Form the relationships that last a lifetime. From the best friend you meet at orientation to the alumni contacts you create through internships, professors and job shadowing, the people you connect with at Central will support you as you enter the job search or take your next steps academically. Achieve. Central College sets you up for success. Among our graduates, 92 percent complete their degree in four years or less. Central’s commitment to affordability, combined with the fact 99 percent of students receive financial aid, means you’ll start your future with the edge you need to achieve your dreams.
Sunday, March 13, 2016 | 15
COLLEGE GUIDE
KAPLAN UNIVERSITY
Use your credits to earn degree; maximize transfer credits ome students are unaware S of the time and money they can save applying previous college credit toward a college degree. In fact, many students may be a lot closer to earning their degree than they realize.
Make smooth transition
Kaplan University offers several paths designed to help students maximize previous credits, earn credit for what they already know, and map the most direct path to a degree.* Kaplan University’s relationship with community colleges can also help facilitate a smooth transition into a degree program, which may qualify the student for a tuition grant.
Interactive & user-friendly learning Students
interested
developing or enhancing the relevant skills and knowledge required by employers today in areas like business, information technology, criminal justice, legal studies, fire science, health sciences, education, and nursing will find Kaplan University offers a wide range of programs designed to achieve that goal. in Classes are taught by industry
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professionals who bring firsthand knowledge to the subjects they teach. Some courses offer internships and an opportunity to acquire real-world experience.
Flexibility to fit your schedule The access and flexibility offered by Kaplan University allows
IF YOU HAVE THE SPARK, WE CAN HELP YOU SHINE. EARN YOUR DEGREE ON CAMPUS, ONLINE, OR BOTH
MAKE YOUR FUTURE A PRIORITY, CALL 319.277.0220 OR VISIT KAPLANIOWA.COM. For comprehensive consumer information, visit www.kaplan.edu.
Kaplan University
LOCATION: Cedar Falls many students with families to continue working while they atPHONE: (319) 277-0220 tend college. And because Kaplan WEBSITE: www.cedarfalls. University’s online courses are not kaplanuniversity.edu restricted by geographic boundaries, students have an opportunity to interact and network with pro- Kaplan University has to offer, fessors and students with varied visit KaplanIowa.com, email experience and backgrounds. rholland@kaplan.edu, call (319) 277.0220, or stop by campus at Support services to 7009 Nordic Drive, Cedar Falls. For comprehensive consumer assist you and gainful employment Kaplan University offers a full information, visit kaplan.edu / range of support services to help info. Kaplan University cannot employment or students achieve their goal, in- guarantee cluding admission and educa- career advancement. *Kaplan tion advising, campus tour and University does not guarantee orientation, live tutoring, re- transferability of credit. See the source library, career services, University Catalog for the Prior and more. Learning Assessment policy. †May not be combined with scholarships, grants, military Learn more today If you are interested in tuition reductions, tuition learning more about what vouchers, or other discounts.
Q16 | Sunday, March 13, 2016
Special Section 3 Tab
99%
of classes taught by faculty
More than 98% of classes have less than 100 students and 95% have less than 50 N E A R LY
12,000
STUDENTS
23
16:1 student to faculty ratio
average class size
87%
35 Countries 250+
$20 Million
Areas of Study
of students receive financial aid
STUDY ABROAD OPPORTUNITIES IN MORE THAN
17 division 1 athletic teams
More than 160
student organizations
From accounting to pre-medicine, UNI has majors, areas of emphasis and pre-professional programs to fit any interest
97%
awarded in scholarships each year
MARK YOUR CALENDAR FOR PANTHER OPEN HOUSE DATES! • FRIDAY, MARCH 25 • MONDAY, MARCH 28 • SATURDAY, APRIL 2
• FRIDAY, APRIL 8 • FRIDAY, JULY 15 • MONDAY-THURSDAY, AUGUST 1-4
of UNI graduates are employed or attending graduate school