mater lakes academy college guide for seniors
DESCRIPTION
Mater Lakes Academy COLLEGE GUIDE FOR Seniors. Patricia Di Carlo School Counselor Grade 9 th -12 th. The Importance of GRADES Do you have what it takes? Institutional Matrix SUS Admissions Tour as of September, 2011. How can you improve your chances of success? - PowerPoint PPT PresentationTRANSCRIPT
Mater Lakes Academy
COLLEGE GUIDEFOR Seniors
Patricia Di CarloSchool CounselorGrade 9th -12th
The Importance of GRADESThe Importance of GRADES
Do you have what it takes?Do you have what it takes?Institutional MatrixInstitutional Matrix
SUS Admissions Tour as of September, 2011SUS Admissions Tour as of September, 2011
FAMU FAU FGCU FIU FSU NCF UCF UF UNF USF UWF
Summer2010GPA
2.5To
2.99
3.03To
3.50
3.0To
3.58
3.20To
3.80
3.4To4.0
NoSummer
3.4To3.9
3.90To
4.30
3.22To
3.77
3.28To
3.80
2.70To
3.30
Fall 2010GPA
3.0To
3.49
3.23To
3.84
3.06To
3.72
3.40To
4.10
3.70To
4.20
3.72To
4.29
3.5To4.2
4.1To4.4
3.46To
4.16
3.64To
4.21
3.00To
3.80
How can you improve your chances of success?• State Universities will recalculate your grades based on the following 18 Academic credits:
4 English, 4 Math (Algebra & above), 3 Social Sciences, 3 Natural Sciences, 2 Foreign languages; plus additional courses in the above subject areas
• Focus your study efforts on your core academic classes• Challenge yourself with Honors and AP classes• Seek grade forgiveness in those classes that you earn a “D” or “F” in.• Know your recalculated GPA by going to www.FACTS.org > “high school students” > “Check Bright Futures Scholarship Eligibility”
The Importance of Test ScoresThe Importance of Test ScoresInstitutional MatrixInstitutional Matrix
SUS Admissions Tour as of September, 2011SUS Admissions Tour as of September, 2011
FAMU FAU FGCU FIU FSU NCF UCF UF UNF USF UWF
SATSummerMidrange
1130to
1340
1420to
1570
1400To
1610
1450To
1530
1670To
1870
NoSummer
1560To
1720
1670To
1960
1530To
1660
1520To
1720
1340To
1520
SATFall Midrange
1300to
1540
1530To
1730
1440To
1660
1630To
1810
1760To
1980
1840To
2090
1730To
1910
1830To
2090
1670To
1860
1680To
1900
1390To
1640
ACTSummerMidrange
17 - 20 20 - 23 20 - 23 21 - 22 24 - 28 N/A 22 - 25 24 - 29 21 - 23 22 - 25 18 - 23
ACTFallMidrange
17 - 20 22 - 26 20 - 24 24 - 27 26 - 30 27 - 31 25 - 29 28 - 32 23 - 27 25 - 29 20 - 25
How can you improve your chances of success? Test Early Test Often
Consider taking the ACT
IMPORTANCE OF IMPORTANCE OF STANDARDIZED TESTSSTANDARDIZED TESTS
SAT or ACTSAT or ACT - - For college admissionsFor college admissions
- For scholarship eligibility- For scholarship eligibility
- Used for placement at community college - Used for placement at community college
State University Minimum ScoresState University Minimum Scores
SAT: Math: SAT: Math: 460460 Critical Reading: Critical Reading: 460460 Writing Writing 440440
ACT: Reading: ACT: Reading: 1919 Math: Math: 1919 Writing: Writing: 1818
CPTCPT - For college level placement- For college level placement
SATSAT Writing (60 minutes) – one 35 minute section and one 25 minute Writing (60 minutes) – one 35 minute section and one 25 minute
sectionsection Critical Reading – (70 minutes) Formerly Verbal Critical Reading – (70 minutes) Formerly Verbal Math – (70 minutes) up to 9Math – (70 minutes) up to 9thth grade basic geometry and algebra II grade basic geometry and algebra II WritingWriting ************************************************************************************** Scores: 200 –800 each section. Total:2400Scores: 200 –800 each section. Total:2400 Scores Adjusted: 1.25 off for wrong answers. Scores Adjusted: 1.25 off for wrong answers. DON’T GUESS!DON’T GUESS!
State University Minimum ScoresState University Minimum Scores Math: 460 Critical Reading: 460 Writing: 440
ACTACT English (45 minutes) – 75 questionsEnglish (45 minutes) – 75 questions Math (60 minutes) – 60 questions up to trigonometryMath (60 minutes) – 60 questions up to trigonometry Reading (35 minutes) – 40 questionsReading (35 minutes) – 40 questions Science (35 minutes) – 40 questionsScience (35 minutes) – 40 questions Writing (30 minutes)Writing (30 minutes) Scores: 1-36Scores: 1-36 NO PENALTY FOR GUESSINGNO PENALTY FOR GUESSING
State University Minimum ScoresState University Minimum ScoresReading: 19 Math: 19 Writing: 18
CPTCPTMiami-Dade College Miami-Dade College
Placement TestPlacement Test At Miami-Dade College – and other 2-year schools - you are exempt from the CPT At Miami-Dade College – and other 2-year schools - you are exempt from the CPT
if you score: if you score: SAT - SAT - 440 verbal 440 verbal
500 math 500 math ACT- ACT- 17- English17- English
18- reading18- reading19- math19- math
IMPORTANT:IMPORTANT: Please visit www.mdc.edu periodically for updates and changes.Please visit www.mdc.edu periodically for updates and changes. If you don’t obtain the minimum scores on the SAT, ACT or CPT, then you will be If you don’t obtain the minimum scores on the SAT, ACT or CPT, then you will be
placed in remedial classes.placed in remedial classes. Honors College will use the Writing score on the SAT and or ACT for admission.Honors College will use the Writing score on the SAT and or ACT for admission.
Postsecondary Education Postsecondary Education Readiness Test (P.E.R.T.)Readiness Test (P.E.R.T.)
Florida’s new common placement examFlorida’s new common placement exam Customized for Florida and aligned to Florida’s Customized for Florida and aligned to Florida’s
Postsecondary Readiness CompetenciesPostsecondary Readiness Competencies Florida faculty reviewed/approved every item on Florida faculty reviewed/approved every item on
the testthe test Readiness ScoresReadiness Scores
Reading, 104Reading, 104 Writing, 99Writing, 99 Mathematics, 113Mathematics, 113
P.E.R.T.P.E.R.T.
Most colleges have implemented P.E.R.T. Most colleges have implemented P.E.R.T. This semester students have been placed in college This semester students have been placed in college
courses based on P.E.R.T. scores courses based on P.E.R.T. scores Rule development has been initiated for P.E.R.T. Rule development has been initiated for P.E.R.T.
readiness scores and Postsecondary Readiness readiness scores and Postsecondary Readiness CompetenciesCompetencies
P.E.R.T. will have a diagnostic component (separate test P.E.R.T. will have a diagnostic component (separate test unit) for students who do not meet the college readiness unit) for students who do not meet the college readiness scorescore
2011 – 2012 SAT AND ACT PROGRAMTEST DATES
REGISTRATION DATES
NATIONAL TEST DATES
TEST REGULARPOSTMARKDEADLINE
LATEPOSTMARKDEADLINE
2011
September 10 ACT August 6 August 20
October 1 SAT I & II September 9 September 21
October 22 ACT September 16 September 30
November 5 SAT I & II October 7 October 21
December 3 SAT I & II November 8 November 20
December 10 ACT November 4 November 18
2012
January 28 SAT I & II December 30 January 13
February 11 ACT January 13 January 20
March 10 SAT I February 10 February 24
April 14 ACT March 9 March 23
May 5 SAT I & II April 6 April 20
June 2 SAT I & II May 8 May 22
June 9 ACT May 4 May 18
SAT/ACT Fee InformationSAT Question and Answer Service available for an additional $18.00
Sunday test dates are available for students who cannot test on Saturday because of religious convictions.
You may register online: SAT: www.collegeboard.com ACT: www.act.org
TEST FEES
TEST REGULAR REGISTRATION LATE REGISTRATION
ACT $34.00 + w/o writing $34.00 + $21.00 = $55.00
ACT $49.00 + with writing $49.50 + $21.00 = $70.50
SAT I $49.00 $49.00 + $26.00 = $75.00
SATII $22.00 + Test Cost $9-$20 (lang.) Add $15.00 To Test Fee
Other fees may be required for other services such as:Standby testing – SAT: $43.00 ACT: $42.00 Change test, test date, or test center fee – SAT: $25.00 ACT: $21.00 Extra score reports – $10.00 for SAT & $8.50 for ACT To contact either the College Board or the ACT test agencies for lost or delayed admission tickets, date or center changes, etc. call the Customer Service Department:
SAT: (609) 771-7600 ACT: (319) 337-1270
Seniors, (Juniors after 12/1)Seniors, (Juniors after 12/1)
SAT and ACT test Fee Waivers are now available.SAT and ACT test Fee Waivers are now available.
If you are on free or reduced lunch, you qualify for the If you are on free or reduced lunch, you qualify for the following. following.
Remember that you must reapply each year to remain eligible.Remember that you must reapply each year to remain eligible.
2 ACT test waiver2 ACT test waiver 2 SAT test fee waivers2 SAT test fee waivers 4 College Board - College Application Fee Waivers4 College Board - College Application Fee Waivers Waivers used during your junior year countWaivers used during your junior year count You will loose the fee waiver if you do not use itYou will loose the fee waiver if you do not use it
To receive a waiver, please come by my office, room To receive a waiver, please come by my office, room 186A anytime before school, during lunch or after school.186A anytime before school, during lunch or after school.
Your NameYour Name
Types of DegreesTypes of Degrees Associate Degree (AA/AS)Associate Degree (AA/AS):: Approximately 60 credits, typically 2 years, Approximately 60 credits, typically 2 years,
offered at State Community Colleges.offered at State Community Colleges. Associate of ArtsAssociate of Arts (AA)(AA) degrees are designed to lead to a Bachelor’s degrees are designed to lead to a Bachelor’s
degree. ( requires 30 credits gen. ed.)degree. ( requires 30 credits gen. ed.) Associate of Science (AS)Associate of Science (AS) degrees are designed to lead directly to career degrees are designed to lead directly to career
placement. ( requires 15 credits gen. ed.)placement. ( requires 15 credits gen. ed.)
Bachelor’s Degree (BA/BS)Bachelor’s Degree (BA/BS):: Approximately 120 credits, typically 4 years Approximately 120 credits, typically 4 years
Master’s Degree (MA/MS)Master’s Degree (MA/MS):: Typically 2 more years after the Bachelor’s Typically 2 more years after the Bachelor’s
Doctorate Degree (PHD)Doctorate Degree (PHD):: Typically 2 more years after the Master’s Typically 2 more years after the Master’s
Professional Degree:Professional Degree: Medical (MD/DO), Dental (DDS), Veterinary (DVM), Medical (MD/DO), Dental (DDS), Veterinary (DVM), Law School (JD)Law School (JD)
Types of Postsecondary OptionsTypes of Postsecondary Options
Type Description Tuition Admission Requirements
Vocational / Technical Schools
Earn a certificate in a certain trade or profession. Students must be at least 16 years or older and has graduated or withdrawn from high school.
Typically around $1,500/year
PLUS:•Housing•Food•Books•Transportation•Personal exp.
Open-door admission policy
Grades:•2.0 HS GPA
Testing:The TABE is given to all students within the first six weeks of their enrollment period
Programs AvailableTransportation Technology Health Sciences EducationBuilding Trades Public ServiceApprenticeship Culinary Arts/Commercial FoodsBusiness Technology Spa Services Information Technology Communications Arts
Types of Postsecondary OptionsTypes of Postsecondary Options
Type Description Tuition Admission Requirements
Two year
28 State/Community colleges in Florida
Degrees offered: Associates
Provides: A way to ease into college / take general college classes for credit.Typically have agreements with four year colleges to transfer credits.
Typically around $3,000/year
PLUS:•Housing•Food•Books•Transportation•Personal exp.
Open-door admission policy
Grades:•2.0 HS GPA
Testing:•CPT•SAT/ACT (optional)
Degrees / Programs Offered:AA (Associates of Art) Career Technical Certification AS (Associates of Science) College Credit CertificatesBA (Bachelors of Arts) Dual EnrollmentBS (Bachelors of Science)
Transfer to Four-Year State Transfer to Four-Year State Universities (2+2)Universities (2+2)
The state of Florida has created an agreement that creates a "2+2" system.
Students can earn a bachelor's degree by taking the first two years of lower division work at a community college and the last two years at a state university.
Any student that graduates with an A.A. is guaranteed to transfer all courses to a state university.
Types of Postsecondary OptionsTypes of Postsecondary OptionsType Description Tuition Admission
Requirements
Four year +
CollegesAnd Universities
Degrees offered: Bachelors and beyond
Provides: A well-rounded college experience that includes an academic area of study.
State: Typically under $15,000/year
Private: Typically more than $20,000/yearPLUS:•Housing•Food•Books•Transportation•Personal exp.
•SAT or ACT•GPA•Class rank•Essay•Extracurricular activities•Letters of recommendation•Transcripts
Degrees and Programs OfferedAA (Associates of Art) PHDAS (Associates of Science) Professional Degrees BA (Bachelors of Arts) Career and Professional Certification BS (Bachelors of Science) College Credit CertificatesMA (Masters) Dual Enrollment
What Colleges Look for When What Colleges Look for When Making DecisionsMaking Decisions
Top 3 Most Important FactorsTop 3 Most Important Factors1.1. Strength of curriculum (Honors, Advanced Strength of curriculum (Honors, Advanced
Placement) Placement) 2.2. Grade Point Average (GPA) and class rankGrade Point Average (GPA) and class rank3.3. College Entrance Examination Scores (ACT or College Entrance Examination Scores (ACT or
SAT)SAT)
If the college requires them:If the college requires them: EssayEssay InterviewInterview Recommendation LettersRecommendation Letters Resume (leadership, community serResume (leadership, community service, vice,
extracurricular, talents, etc)extracurricular, talents, etc)
Find the Right FitFind the Right Fit
Academic Reputation (quality education)Academic Reputation (quality education) Availability of scholarship and financial aidAvailability of scholarship and financial aid
How and when are scholarship awards made and when How and when are scholarship awards made and when is notification receivedis notification received
College SizeCollege Size LocationLocation MajorsMajors Faculty to Student ratioFaculty to Student ratio Job Placement successJob Placement success
The College Visit (no drive-bys please!)
Before you visit, call for an appointment
Have your questions ready
Ask to speak to faculty in your area of interest
Visit the placement office for future employment information
Ask to see residence halls
Talk to currently enrolled students
Eat on campus
Determine if you are admissible
The Application Process
Determine the number of schools to which you want to apply
Be mindful of deadlines
Treat this as a homework project – care should be given to the appearance of your application
Determine if you want to complete the on-line application form
If essay required, give it proper attention
Decide on no more than 3 – 5 institutions
Time line for decisions- DEADLINES
Application StrategiesAPPLY EARLY: At the beginning of the admission cycle (August, September, and October) GPA and test score mid-ranges are typically low due to the low volume of application usually received at institutions with ROLLING admissions.
Later on in the process (November, December, January and February) the volume of applications increase. As a result, GPA and Test Score mid-ranges increase.
CONTINUE IMPROVING YOUR GRADES AND CONTINUE TESTING:Depending on where you stand with institutional mid-ranges, it is recommended that you continue to improve your GPA and continue testing until you receive an acceptance letter from your college. Never Give UP !!!
SUBMIT NEW TRANSCRIPTS AT THE END OF THE FIRST SEMESTERTranscripts are updated at the end of the first semester around mid-January. As soon as your transcripts are updated, it is important that you send them to all colleges that you are waiting for decisions.
Types of College AdmissionTypes of College Admission Early DecisionEarly Decision. .
Students make a commitment to a first-choice institution where, if admitted they Students make a commitment to a first-choice institution where, if admitted they definitely will enroll. The application deadline and decision deadlines occur definitely will enroll. The application deadline and decision deadlines occur early.early.
Early ActionEarly Action. .
Students apply to an institution of preference and receive a decision well in Students apply to an institution of preference and receive a decision well in advance of the institution's regular response date. Students who are admitted advance of the institution's regular response date. Students who are admitted under Early Action are not obligated to accept the institution's offer of under Early Action are not obligated to accept the institution's offer of admission or to submit a deposit until the regular reply date (not prior to May admission or to submit a deposit until the regular reply date (not prior to May 1).1).
Regular DecisionRegular Decision. .
Students submit an application to an institution by a specified date and receive a Students submit an application to an institution by a specified date and receive a decision within a reasonable and clearly stated period of time, but not later than decision within a reasonable and clearly stated period of time, but not later than April 15.April 15.
Types of College Admission (cont.)Types of College Admission (cont.)
Rolling AdmissionRolling Admission. . Institutions review applications as they are completed and render Institutions review applications as they are completed and render admission decisions to students throughout the admission cycle. admission decisions to students throughout the admission cycle.
Wait ListWait List. . An admission decision option utilized by institutions to protect against An admission decision option utilized by institutions to protect against shortfalls in enrollment. Wait lists are sometimes made necessary because shortfalls in enrollment. Wait lists are sometimes made necessary because of the uncertainty of the admission process, as students submit applications of the uncertainty of the admission process, as students submit applications for admission to multiple institutions and may receive several offers of for admission to multiple institutions and may receive several offers of admission. By placing a student on the wait list, an institution does not admission. By placing a student on the wait list, an institution does not initially offer or deny admission, but extends to a candidate the possibility initially offer or deny admission, but extends to a candidate the possibility of admission in the future, before the institution's admission cycle is of admission in the future, before the institution's admission cycle is concluded.concluded.
www.ncaaclearinghouse.netundergraduate athleticsundergraduate athleticshttp://www.ncaa.org/wps/portalhttp://www.ncaa.org/wps/portalhttp://www.ncaaclearinghouse.net/ncaa/NCAA/common/http://www.ncaaclearinghouse.net/ncaa/NCAA/common/index.htmlindex.htmlhttp://www.ncaaclearinghouse.net/ncaa/NCAA/general/http://www.ncaaclearinghouse.net/ncaa/NCAA/general/index_general.htmlindex_general.html
Cost of Attendance (COA)Cost of Attendance (COA)
TypeType Tuition Tuition
and Feesand FeesBooks and Books and
SuppliesSuppliesRoom and Room and
BoardBoardTrans-Trans-
portationportationOther Other
ExpensesExpensesTotal Total
EstimatedEstimated
ExpensesExpenses
Two-Year PublicTwo-Year Public
ResidentResident $2,272$2,272 $850$850 ** ** ** **
Commuter Commuter $2,272$2,272 $850$850 $6,299$6,299 $1,197$1,197 $1,676$1,676 $12,294$12,294
Four-Year PublicFour-Year Public
ResidentResident $5,836$5,836 $942$942 $6,960$6,960 $880$880 $1,739$1,739 $16,357$16,357
Commuter Commuter $5,836$5,836 $942$942 $6,917$6,917 $1,224$1,224 $2,048$2,048 $16,967$16,967
Out-of-Out-of-
StateState$15,783$15,783 $942$942 $6,960$6,960 $880$880 $1,739$1,739 $26,304$26,304
Four-Year PrivateFour-Year Private
ResidentResident $22,218$22,218 $935$935 $8,149$8,149 $722$722 $1,277$1,277 $33,301$33,301
Commuter Commuter $22,218$22,218 $935$935 $7,211$7,211 $1,091$1,091 $1,630$1,630 $33,085$33,085
ScholarshipsScholarships Scholarships are awards you are given to help you pay for college, usually based on Scholarships are awards you are given to help you pay for college, usually based on
something you do well:something you do well: AcademicsAcademics AthleticsAthletics ArtsArts Community service, activities, or writing an excellent essay. Community service, activities, or writing an excellent essay.
Sources beyond FAFSA (Federal) and Florida (Bright Futures, etc.)Sources beyond FAFSA (Federal) and Florida (Bright Futures, etc.) Colleges:Colleges:
Private Colleges offer a huge amount of money to enrolling students. Be sure to Private Colleges offer a huge amount of money to enrolling students. Be sure to apply for any scholarships colleges you are applying to may offer, AND APPLY ON apply for any scholarships colleges you are applying to may offer, AND APPLY ON TIME! – Some private schools will ensure that all unmet need for admitted students is TIME! – Some private schools will ensure that all unmet need for admitted students is met.met.
Private – Private – • Corporations and organizations award college scholarships. Corporations and organizations award college scholarships. • Many are listed on the CAP Scholarship Bulletin (Room 68).Many are listed on the CAP Scholarship Bulletin (Room 68).• You can research them on your own (I.e., www.fastweb.com, www.facts.org).You can research them on your own (I.e., www.fastweb.com, www.facts.org).• Many scholarship organizations who now promote their scholarships on their Many scholarship organizations who now promote their scholarships on their
own website.own website.• Apply, Apply, Apply!Apply, Apply, Apply!• Make sure I have your email address so you receive my scholarship updates.Make sure I have your email address so you receive my scholarship updates.
Bright Futures ScholarshipsBright Futures ScholarshipsRegister Beginning December 1.Register Beginning December 1. The state evaluates your meeting of the criteria upon your date of graduationThe state evaluates your meeting of the criteria upon your date of graduation
GPA in specific coursesGPA in specific courses Specific course workSpecific course work Community serviceCommunity service ACT and/or SAT scores (CPT can also be used on Gold Seal)ACT and/or SAT scores (CPT can also be used on Gold Seal)
First Evaluation February – Notification by AprilFirst Evaluation February – Notification by April Second/Final Evaluation June – Notification by AugustSecond/Final Evaluation June – Notification by August The submission of a Free Application for Federal Student Aid (FAFSA) IS The submission of a Free Application for Federal Student Aid (FAFSA) IS
NOW an annual requirement for Bright Futures eligibility. NOW an annual requirement for Bright Futures eligibility. www.facts.org www.facts.org
Go into your Electronic Personal Education Planner (ePEP)Go into your Electronic Personal Education Planner (ePEP) Select ‘High School Academic Evaluation’Select ‘High School Academic Evaluation’ Select ‘Bright Futures’Select ‘Bright Futures’ View where you stand on each scholarshipView where you stand on each scholarship
Florida Bright FuturesNEW Mandatory FAFSA completion
BF PROGRAM
Award
Flat Rate
Payout
GPA
Requirement
SAT/ACT
Requirements
Community
Service
FLORIDA ACADEMIC SCHOLARS
NEW
$101 per credit hr.
30 credit payout: $3,030.00
3.5 weighted BF GPA
15 core academic
classes
1270 SAT
28 ACT
NEW
100 hours of community service
FLORIDA MEDALLION SCHOLARS
NEW
$76 per credit hr.
30 credit payout: $2,280.00
3.0 weighted BF GPA
15 core academic classes
NEW
980 SAT or
21 ACT.
NEW
75 hours of community service
FLORIDA GOLD SEAL VOC. SCHOLARS
NEW
$76 per credit hr.
30 credit payout: $2,280.00
3.0 weighted BF GPA
3.5 weighted GPA in 3 vocational credits SAME
program
SAT 880
M 440 / CR 440
ACT
E 17 / R 18
M 19
CPT
R 83 / S 83
Algebra 72
NEW
30 hours of community service
Bright Futures Payout vs. Actual University Tuition Cost2010-2011 Tuition and Fees for 30 credit hours
FAMU FAU FGCU FIU FSU NCF UCF UF UNF USF UWF
Univ.
Tuition Cost
$5,176 $5,483 $5,532 $5,675 $5,825 $5,049 $5,583 $5,656 $5,626 $5,805 $5,425
BF
100%
$3,030 $3,030 $3,030 $3,030 $3,030 $3,030 $3,030 $3,030 $3,030 $3,030 $3,030
Diff
=/-
$2,146 $2,453 $2,502 $2,645 $2,795 $2,019 $2,553 $2,626 $2,596 $2,775 $2,395
BF
75%
$2,280 $2,280 $2,280 $2,280 $2,280 $2,280 $2,280 $2,280 $2,280 $2,280 $2,280
Diff
=/-
$2,896 $3203 $3,252 $3,395 $3,545 $2,769 $3,303 $3,376 $3,346 $3,525 $3,145
Types of Funding for CollegeTypes of Funding for College
GRANTSGRANTS – Based on financial need – Based on financial need- Private (CAP Grant)- Private (CAP Grant)- Public: Federal (Pell Grant)- Public: Federal (Pell Grant)- State (Fla. Student Assistance Grant)- State (Fla. Student Assistance Grant)
WORK-STUDYWORK-STUDY – Based on financial need- Employment on – Based on financial need- Employment on campus – usually jobs are not too demanding, with the idea you campus – usually jobs are not too demanding, with the idea you can study some at work, thus the name, Work-Studycan study some at work, thus the name, Work-Study
STUDENT LOANSSTUDENT LOANS – Based on financial need – Based on financial need- Perkins (administered by the college - 5% int.)- Perkins (administered by the college - 5% int.)- Stafford (subsidized or unsubsidized, capped at 8.25% - Stafford (subsidized or unsubsidized, capped at 8.25% currently)currently)
PARENT LOANSPARENT LOANS– NOT based on financial need– NOT based on financial need- Not need-based, can borrow up to cost of education, payment - Not need-based, can borrow up to cost of education, payment begins 60 days after date of loanbegins 60 days after date of loan ..
What Are The Primary SourcesWhat Are The Primary SourcesOf Financial Aid?Of Financial Aid?
Federal governmentFederal government State governmentsState governments Colleges and universitiesColleges and universities Private agenciesPrivate agencies
FAFSAFAFSA Free Application for Federal Student AidFree Application for Federal Student Aid Available after January 1 of senior yearAvailable after January 1 of senior year Family Income Tax information needed to Family Income Tax information needed to
complete form.complete form. Application available online at: Application available online at:
www.fafsa.ed.govwww.fafsa.ed.gov
Financial Aid Forms to CompleteFinancial Aid Forms to Complete
FAFSAFAFSA (Free Application for Federal Student Aid) – Apply in January– because (Free Application for Federal Student Aid) – Apply in January– because aid will be based on your previous year’s income. You must apply on-line at: aid will be based on your previous year’s income. You must apply on-line at: www.fafsa.ed.gov www.fafsa.ed.gov
Florida Financial Aid: Florida Financial Aid: Register for Florida Bright Futures and other state Register for Florida Bright Futures and other state scholarships, grants, loans and work study. You must apply on-line beginning in scholarships, grants, loans and work study. You must apply on-line beginning in December at www.floridastudentfinancialaid.orgDecember at www.floridastudentfinancialaid.org
PROFILEPROFILE – Some colleges require, this is completed beginning in September of – Some colleges require, this is completed beginning in September of
the student’s senior year. Investigate colleges thoroughly to see if you must the student’s senior year. Investigate colleges thoroughly to see if you must complete this. Information and on-line registration is at www.collegeboard.com. complete this. Information and on-line registration is at www.collegeboard.com. (Look for CSS Profile)(Look for CSS Profile)
If accepted, the college sends you a If accepted, the college sends you a financial aid award letterfinancial aid award letter that may include a that may include a mix of types of financial aid. You will use this information in making your final mix of types of financial aid. You will use this information in making your final decision. decision.
Meet deadlines!!! You will miss out on money if forms are sent in late!!! And Meet deadlines!!! You will miss out on money if forms are sent in late!!! And keep copies of everything!!keep copies of everything!!
Things to Remember
•Keep your grades up
•Keep a calendar with deadlines
•Sign up to take SAT/ACT and other required tests
•Send college applications and required documentation on time
•Apply for as many scholarships as possible
•Apply for Financial Aid after January 1st
•Keep photocopies
•READ, READ, READ!!!!!
QUESTIONS?